Date Received: 2022-09-24
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This line is through Paypal. They say in their terms in conditions they provide protection for their buyers. I bought a basketball card on XXXX that was guaranteed to be authentic. It ended up being not authentic and they will not refund my money like they are suppose to. They will not support my claim even though I have clear info that shows that the card is worthless now that it is confirmed to be a fake. I purchased the card for {$2900.00}. The merchant XXXX will not let me return the card and Paypal is suppose to protect me, it hasn't. False advertising.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: ****************************DO NOT CLOSE MY COMPLAINT************************* **************** & ********THIS COMPLAINT IS NOT A DUPLICATE. ********************** THIS IS AN OFFICIAL NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. I have made every step and will be forced to proceed with legal action if this invoice is paid and accountt/card restored. You have engaged in fraud, and I am seeking remedy and will not stop until I receive what I am owed as a federally protected consumer. 15 USC 1692h, if a consumer disputes an account, all payments must be refunded. I was uninformed and your agreement was fraudulent at best- you have committed fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have an account with asynchrony bank, they gave a limit of {$1000.00}. I have never been late kept my balance under {$500.00} at all times, they lowered my limit to {$370.00} and then reported my card as being over the limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Lowes consumer credit card inquiry on my report.they have no record of the application but it shows on my XXXX XXXX XXXX I call the customer service twice and found nothing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 250XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Backstory : On XX/XX/XXXX I placed a credit alert ( not freeze ) on my credit due to 2 attempted credit card applications that were not authorized by myself. On XX/XX/XXXX, I had applied for credit through Mattress Firm via synchrony bank. I was denied and told I would receive a letter in 7-10 business days. Letter received stated unable to verify identify and credit application was denied. XX/XX/XXXX, went into Mattress Firm thinking I would just apply in store because then they could call my cell phone to verify identity to which they refused to do when I applied on XX/XX/XXXX. While attempting to submit application it too was denied. I was told by the rep for synchrony bank that it too was denied. I informed them up the credit alert to which he saw nothing and gave me a story of it was because it was too soon since my last application. He would not reopen the previous one saying it was already determined to be denied and closed. He too told me a letter would be sent in 7-10 days. The sales woman at Mattress Firm suggested I contact corporate via phone, so when I got home I did. Those reps transferred me around indicating nothing they could do. I spent about 4 hours total, about 6-7 reps and disconnected 3 times within that time. No one could help me or even tell me why they would not verify my identify.. One rep submitted another application to which was also swiftly denied. All they could do was apologize and suggest reapplying with a cosigner. I have an excellent XXXX score ( over 825 ), not 1 missed payment in over 25 years of credit cards, and at the time only had 2 hard inquiries on my account. I have about 5 % utilization rate across my credit cards. To my understanding, credit can not be denied based on a fraud alert and it seems that is exactly what is being done right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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: The Merchant XXXX XXXX XXXX XXXX XXXX 1 ) Advertised and contractually wrote " Guaranteed Lowest Price After the Sale '' but has refused to Honor the contractually agreed upon terms. 2 ) " XXXX XXXX XXXX '' incorrectly & illegally charged double ( me and the manufacturer ) for the same product and sat on the money for several months committing bank fraud, and a Ponzi Scheme profiting from duplicate payments for the same products and forcing the Consumer to give this business an interest free loan. In effect Cooking their books. 3 ) The Card Issuer Synchrony Bank Mishandled the Dispute process multiple times. Federal and State Banking regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute. Synchrony Bank failed to comply with these reg 's and laws multiple times. 4 ) The Merchant XXXX XXXX XXXX XXXX XXXX responded to totally irrelevant and off-point matter ignoring the basis and facts of my dispute and offered only irrelevant responses which mad them and Synchrony Bank XXXX Out-of-Compliance '' with the 60-Day Response requirement rule. 5 ) Synchrony was there fore required to return a decision in the consumer 's favor and credit the dispute as filed. They failed multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Received a email and a mailer from TJMAXX for promotion to receive XXXX points when you make {$100.00} or more in total purchases outside family of stores using XXXX XXXX XXXX. Promotion dates were now to XX/XX/2022. This card and mailer indicated " EARN REWARDS ON ALL YOUR PURCHASES. On XX/XX/2022, I made XXXX of purchases as required by promotion. Approximately early XX/XX/2022 I engaged in a online Chat to see when the points would be rewarded. The online representative advised that she saw the purchases and that I would receive the corresponding points on ALL purchases but that It would take 1 to 2 billing cycles. XX/XX/2022 I called customer service and inquired once again about the points. After waiting for her review, she too advise that she saw the purchases and could not explain the delay but that the points for all the purchases would happen next billing cycle. XX/XX/2022 I called again to inquire about the points that I still had not received but this time I was told that one purchase did not qualify. I ask the representative to forward a email indicating why that purchase was excluded NOW and what items are excluded during future promotions. He advised that he would send document by postal mail. To date I have not received the mail nor the promotional points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX account started in XXXX with no knowledge to myself Personal information stolen Purchases made in fraud I spoke with the company multiple times. I contacted PayPal and had PayPaXXXX reverse charges in XXXX of XXXX. Some charges did get reversed as PayPal found that my account had been hacked and money was being sent via this card that I had no knowledge off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit cards were used by someone other than me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, I had a Synchrony Lowe 's card and was a reliable customer making payments each month. This abruptly ended on XX/XX/22 when I was informed via a letter that my account was being closed, on XX/XX/22. To my dismay, I found out that Synchrony was erroneously trying to process payments from a debit card that was closed due to fraud. I had closed this account that month and had set up payment options with a new card, but still, Synchrony tried to pull multiple payments. This has put me in bad standing with Synchrony and inhibited my ability to get financing for a new mattress. I have called Synchrony 3 or more times to get this fixed. The first time I called I asked to file a complaint with the Credit Bureau, but no follow-up occurred. The second time I called I was asked to get a letter from my bank noting my debit account was closed due to fraud and mail it to Synchrony and my account could be restored. This again, turned out to be poor advice as I merely received a letter from Synchrony noting the account had ( obviously ) been closed. This spurred my third call where I was told there was simply nothing that could be done by Synchrony and that the black mark would remain. Synchrony needs to be held accountable for these practices. They should notify folks of issues like this and put forth some type of effort to remediate the situation for their customers. I was told they do notify folks, but I never spoke to anyone or had written correspondence of this. I have spent much more time on this than I would have liked due to a companies bad policies. They are a bad actor and need to be held responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A