Date Received: 2022-09-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XXXX XXXX XXXX I made a complaint that I was charged twice for an online purchase. The first charge was cancelled by phone to the store ( XXXX 's ) the order was made. The amount in question ( XXXX ) was never to this day removed. I have called several times reached out twice by mail and even consulted XXXX XXXX. The only thing Synchrony Bank has done is deferred late charges. To date they still want a balance of XXXX. Thru all the months of grief and aggravation I am ready to just give up. If you can help Thank You. Sincerely and mentally exhausted. XXXX. P.S. I know it is not a lot but it is the principal of the whole problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have paid off promotions on my lowes account. I have faithfully paid my bill everyone on time. Each payment was {$100.00} per month. Except for one payment of {$30.00} which I was told that was the only amount due to pay off that promotion. Every payment after that went towards the remaining balance on the only balance left on a promotion. I was told that was the only one I had left. Each month I called to confirm that {$100.00} was going towards that balance. Each month they confirm it was and that would take more time to reflect on the balance statement. However that amount kept going up instead of down. Somewhere in the mix my money was going towards balances I was told were paid off. Because of this the intrest on each one was applied to my balance and the last promotion the money was never applied to that balance. Which was the only balance left. I called them every month and every month they are looking into it. Now it's affected my credit score. I requested they cancel that card. They assured me the issue was being fixed and to just allowing time. However within this time it's showing badly on my credit report. I am being contacted by them daily via email and telephone. My debt has been paid off before the due date. That balance is supposed to show {$0.00}. Due. Instead it is going up each month {$100.00} as I wait for their mistakes to be fixed. Everytime I speak to them they act like they have no idea what I'm talking about. Then they put me on a long hold to find the issue, then assure me it's being looked into and to wait. I have request they listen to every conversation made each month I called. I was being told one thing but what they were doing was so completely different. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This complaint is regarding Synchrony Bank. My husband and I have around 4 credit lines with them, for different merchants. At 1st I was making larger payments to pay them off. After I paid one account off they closed it! Following that, Synchrony closed the account a few days later. From there, our scores started to drop, even though our payments were on time. Then 1 by 1 they started to reduce our credit line. Following that ( within a week ) they started to close those accounts. What happens from there?! Our credit scores drop significantly. When asking the bank, why? Their response was ; we take your credit score into effect. However, theyre the ones that ruined our credit. I have no idea if we can even fix our credit at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a Sam 's Club Account with Syncronicity Bank and they just arbitrarily closed my account without warning. I was also denied credit by them but they kept another account open with Care Credit and increased my limit. I always paid ontime using auto pay and paid more than my minimum payment. This has effected my credit score and my credit worthiness. This is a violation of my rights according to 15 U.S. Code 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 PayPal / Synchrony Bank decreased my credit limit from XXXX to XXXX. I had a XXXX dollar available credit at the time of the decrease. Once i made my payment they took that XXXX dollar balance away. No late payments during my duration of having this account with PayPal / Synchrony bank. I paid well over the minimum payment due since opening my account. With out warning this agency decreased my credit limit. In which cased my credit score to drop XXXX points. Them making this decision on behalf of me violates my rights as a consumer. Also harmed my ability to keep a good payment reputation with other agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/2022 sent company A Cease and Desist letter with a a Conditional Acceptance. please see attached documents for Affidavit of Oath. Company is now in Default of Notice. Company has violated the Fair Debt Collect Practices Act My right to privacy has been Breached. inaccurate information has been reported to a third party without my written consent. ATTCHED DOCUMENTS HAVE BEEN SENT CERTIFIED USPS as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/2022 : Called the XXXX number on the Verizon Credit Card asking why my Verizon XXXX amount said {$56.00} yet on the Verizon site I had only {$31.00} for redemption. Synchrony would not explain the approx {$25.00} shortage and kept transferring me to Verizon. Verizon said they only had the information on the {$31.00}. XXXX said they had no visibility into the award amount on my Synchrony Verizon bill. Synchrony did not transfer the full amount of my Verizon XXXX dollars to Verizon, shorting me of approx. {$25.00}. This is fraud. Synchrony did not meet the terms and conditions of the rewards program.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have purchased a fridge on amazon.com on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but when we opened the packaging there was a huge damage to the front of the fridge so I rejected the fridge and refused delivery. The amazon driver was still at my home so he called amazon and he was told to return the fridge back to Amazon warehouse on XX/XX/2022. Until today XX/XX/2022 I still have not received a refund on this item from amazon. I called synchrony bank and disputed the charge of XXXX dollars from XX/XX/2022 against amazon on XX/XX/2022 but Synchrony Bank is NOT helping me resolve the issue and they have not given me a credit for the disputed amount and they have not resolved the issue. This charge is for an item that was rejected and refused delivery and returned back to amazon. I do NOT have the item and synchrony bank should resolve the dispute to my benefit and issue me a refund and a credit to my account for XXXX dollars. This is a very simple disputed charge claim. The item was returned to the seller so I should get a refund of my money XXXX dollars Transaction date is XX/XX/2022 Amazon.com for XXXX dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In October 0f 2021, I received a phone call from Synchony saying that my Dick 's Sporting Goods credit card was past due, I had not received the paper statement. I called and asked if my statements may have been set to paper only, they assured me that it was not. I paid a late fee and paid the card off, as I always do. I didn't use the card again until XX/XX/22. Again, I was notified my acct was past due, I immediately paid the bill in full, along with another {$29.00} late fee. This time I decided the service is so poor that I would close the account rather than deal with this again. I called and closed the account, the initial person I talked to said she was transfer me to someone that could assist me, I was transferred to the automated system. The fact that they assured me that my account was not set to paperless was a complete lie. They have profited off their practices twice, in addition I was considered past due twice when I never pay my bills late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A