Date Received: 2022-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello. Thank you for your assistance with this matter. I signed up for the Venmo Credit card, which offers an introduction promo of double rewards for the first year. Over that it should go back to its regular reward program which is : 3 % cash back on the top spending category, 2 % on the second category, and 1 % on all other purchases ( so for the 1st year 6 %, 4 %, 2 % cash back respectively ). Venmo/ synchronycredit has not been upholding the contract with the rewards. Not only have I not been getting the promised double rewards, but I'm not even getting there regular rewards. I have spend {$300.00} with them thus far and only gotten back {$34.00}, or 1.1 % back. They do not show customers how the rewards are calculated, instead they assure that all rewards will be calculated by them to make things easier on the customer. Unfortunately, they calculate the rewards incorrectly. By not showing the data they are intentionally make it very difficult for the customer to check their rewards, as well as obscure their shady and illegal business practices. I have called, emailed and messaged them about this issue repeatedly, they have verified that I should be receiving the 6 %, 4 %, 2 % rewards but I am not. They have said that they will fix the issue and send me my rewards balance, but have taken no action. I never received a physical copy of our card agreement, so I have asked for them to send me physical or emailed copy of our contract; to which they said that that was impossible. Pretty sure they are in violation of some laws by refusing to send my contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80909
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: have opened a 'careCredit ' account and have received the card in the mail. however, i can not access the account thru the website carecredit.com. when i try to login i get this message : we apologize. we are curretnly experiencing technical difficulties and are unable to access your account. please try again later or contact customer service for assistance. for 8 days, i have tried to access my account. the only way to access is by using incognito browser, which is unacceptable i have called 4 different numbers for customer service, and no one was able to assist me. very frustrating and poor customer experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is Synchrony XXXX XXXX card for XXXX XXXX XXXXXXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I paid a off my cc which was close to the limit on Monday, XX/XX/XXXX. Sams Club MasterCard took the money from my checking account, applied the funds to my balance, then put a hold on my cc that was not going to be removed until XX/XX/XXXX. There was no notice nor update to me as a customer. Their " system '' would not allow the hold to be removed while I was out of town at a sporting event. I could not get a XXXX XXXXXXXX XXXX be made available. I had been a customer since XXXX, but no more
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This debt is for a Care Credit card issued from Synchrony Bank. It was agreed to supposed to be deleted from my credit report and is still there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
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: Synchrony bank XXXX Furniture store Account opened on XX/XX/XXXX by merchant without providing full disclosure of terms and conditions Gave misleading information about furniture financing Order was canceled Calling bank since XX/XX/XXXX to report the account Filed a dispute on XX/XX/XXXX Bank replied- pls work with your merchant for a solution Merchant submitted forged documents refused to give a refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I tried to settle this debt multiple times and never received call back. Now its been years, Im trying to rebuild my credit, and I want to negotiate a settlement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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: XXXX XXXX, XXXX : Purchased a set of patio furniture from Walmart.com for the total amount of XXXX. I waited several several weeks for delivery. When furniture was delivered, it was damaged, box was open, back support piece was bent and all of the screws and one cushion were missing. I called Walmart twice to schedule a return, as this was too large for me to be able to return myself ( I do not own a vehicle large enough to fit it ). Twice Walmart scheduled a return and no one ever came to pick it up. At this point, I opened a dispute with my credit card for the transaction. XXXX XXXX, XXXX an adjustment was made to my account in the amount of {$980.00} while the credit card company investigated. I submitted the dispute form, I believe via mail and fax. *XXXX XXXX, XXXX I received my credit card statement and there were two " miscellaneous adjustment '' transactions listed on my account for {$980.00} each. They both had the same reference number. I called the credit card company and inquired about the transactions. The rep on the phone told me she thought it had to be a system " glitch '' and she would dispute. At this point in time, I also opened a billing inquiry. The transactions were removed from my account and I consequently filled out another dispute form and sent it to the company dated XX/XX/XXXX. *I received no communication, no request for additional information, etc until I received my XX/XX/XXXX statement and the charges reappeared. XXXX XXXX, XXXX I called the credit card company yet again. I discussed the situation and spent about an hour on the phone with someone trying to resolve the situation. The rep again opened a dispute and I was told I'd be contacted if they needed additional information. I received no communication until XX/XX/XXXX when I received an email notification I had a new message on my account. Again, the credit card company is requesting me to fill out a dispute form. Then on XX/XX/XXXX I receive my credit card statement with the charges back on the account, accruing interest. As of now, the account is showing a total balance of {$2100.00} which would be the two original amounts of {$980.00} plus interest as I closed the account months ago and I had a XXXX balance prior to these two transactions. *I have reached no resolution with the credit card company and believe the company is not acting in good faith with resolution. Not only was the original dispute not resolved, the company has erroneously charged my account for the amount, thus doubling my debt. There is no way I can be expected to pay {$980.00} in an unsubstantiated transaction, even if the original dispute in the amount of {$980.00} would be found to be valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX and XXXX are saying I was past due 30 days with syncb/XXXX. I was never late with them I've complained to Syncb and they stated I was never late both verbally and by letter. I dispute over and over. Syncb responds everything reporting is correct never late. XXXX responds everything reporting is correct 30 days late. I've called Syncb and they stated they would send statement as such to XXXX but they still will not remove. I've tried everything but you or an attorney
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
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: We purchased an outdoor table at XXXX XXXX in XXXX, NJ. My wife and I have our own sperate TJX cards and accounts. I went on to my bank website and thought I was paying the TJX bill for the table in my online bill pay bank portal however, when I made the payment to TJX, I used the wrong account number on my payment check and it was sent to TJX. The payment was never applied to our balance for the table because I used the wrong account number. I then sent a second check that did pay the balance for this table which was on my wife 's TJX XXXX. I called TJX and explained this, they said they would search for the check with the wrong account number. I then received a {$1200.00} refund from TJX for, what they told me, was for the check I sent for {$1200.00} that had the wrong account number on it. A few weeks later I received a bill from TJX that said that I owed them {$1200.00}. When I called they told me they never found the check with the wrong account number on it but refunded the {$1200.00} anyway and since they could not find this check I needed to pay them back the {$1200.00} they paid me. On XXXX I called the contact number on the TJX notice that requested repayment of the {$1200.00} and spoke with XXXX, he would not give me his last name, a TJX manager in the USA. He found the check with the wrong account number but since it had the wrong account number he said the system would not allow him to credit the outstanding {$1200.00} refund that was paid to me, which TJX was now requesting me to pay back. He told me to upload the letter from my bank on to the TJX site at tjx.syf.com to my account on the site. I did that on XX/XX/22 and received written confirmation that the letter was uploaded and received by XXXXX. I called TJX on XXXX and spoke to XXXX in their USA office who confirmed that the letter was uploaded and that payment from the check with the wrong account number had been credited to my account and that I owed TJX nothing. I received a letter about two weeks ago that said I owed {$1200.00} to TJX for this same transaction and bill a few days ago for the {$1200.00}. I owe TJX nothing but they continue to harass me and I need your help to put an end to this please. Best, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A