Date Received: 2022-09-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In early XXXX, my Amazon Store Card account was closed. I received a letter listing the reason for closure as : " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. My account was paid off at the time of closure. I've always paid on time in full since I first received the card over a year ago ( likewise for all other accounts in my credit history ). I had a reward balance of {$1100.00} that was forfeited as a result of Synchrony closing my account. I believe my account closed in bad faith with the intention of denying my rewards. I would like Synchrony to either reopen my account with the original reward balance or pay out the rewards that were forfeited when they closed my account.
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: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
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 XX/XX/XXXX, we purchased bedroom furniture from Ashley XXXX. The furniture was scheduled to be delivered & assembled by Ashley XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. An assembly person was sent on XX/XX/XXXX and one dresser was damaged when he opened the box and the other one was damaged during his assembly process. Ashley XXXX was supposed to replace the damaged furniture on XX/XX/XXXX but did not. We went to the store on XX/XX/XXXX to request a refund. Instead of refunding our money, they offered to provide replacement furniture but we had to pay the difference, which we paid in cash. This new furniture was scheduled for delivery on XX/XX/XXXX but Ashley XXXX again failed to show up nor make any attempt to contact us to explain why. So, we never received the new bedroom furniture we purchased. I attempted to return the damaged furniture to the store XX/XX/XXXX and but XXXX XXXX at the XXXX store said not to. We went to the store on XX/XX/XXXX to request a refund. We were refunded {$760.00} that we paid in cash but never received a refund of the {$2100.00} that was charged to the Ashley ( Synchrony Bank ) card. Ashley picked up the damaged furniture on XX/XX/XXXX but we have not received a refund, nor has the amount been credited back to my Synchrony account. I have disputed this charge 3 times with Synchrony. Synchrony continues to incorrectly dispute the full amount of my Ashley purchase. Because of this error on their part, they have been unable to get the fraudulent charge credited back to my account. I have tried to contact both Ashley and Synchrony but have had to wait on hold for hours. Several times the Ashley line just hangs up after I have been on hold for hours. Synchrony has equally been ineffective at resolving this dispute as they seem to not be reading my supporting documents. I also filed a compliant with the better business bureau but Ashley stopped responding to the XXXX I believe that both Ashley and Synchrony are collaboratively trying to defraud me. Ashley has their damaged furniture back and I expect my refund/credit of {$2100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I reached out to Lowes and found out that my credit card account had been closed. After speaking with a representative I was advised that my account had been closed because of the last payment wasn't processed. Ultimately because there was a past payment that also didn't process the most recent payment that didn't process caused for the account to close. I reached out to Lowes Credit Card services and i was told to send a fax to the payment processing department from the bank proving it was a bank error and my account would be reopened. After doing as instructed i called several times and Lowes stated they will not reopen my card even through its bank error and it states that in there terms and conditions of the card. i confirmed that my bank did not process my payment and I went to the bank to find out why the bank stated they actually didn't know why my payment didn't process and wrote a letter to Lowes on my behalf stating that the funds were available and the transaction should of cleared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On this date : XXXX XXXX 2022, I closed my PayPal-Master Card Account... Instead of PPM transferring my rewards money to my regular PayPal Account Balance they just took my rewards money without any warning, or made aware of other options regarding my rewards money. They just took it... and I feel robbed! I want my rewards money. Who knows how many people this happens to. I earned those rewards, I want them back! Thank you in advance and stay well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My monthly payments are {$75.00} each month and due on the XXXX of every month. I make payments through the Ashley XXXX. However I am always having trouble making payments, as their app never works. They have absolutely 0 days of grace period. If I make the payment the next day I must pay {$120.00} which includes the late fee. I find it extremely unfair, as they should either allow a grace period or fix their app. I understand that as a consumer I am responsible to make payments on time but I do not have the capacity to sit around and keep launching the app until it works. Nothing on their app indicates if there is any other form of payment. I have paid this late fee in the past multiple times and have not complained but I can show proof ( screenrecord ) that I have had multiple issues in the app. I would like to have those fees waived. XX/XX/XXXX as well as XX/XX/XXXX even dating back to XXXX. Although I am aware and signed the contract, the interest they charge is abusive and the fact that they don't have grace periods is ridiculous, all credit cards have some sort of grace. Those people are hard to get a hold of, you call synchrony bank, and they tell you to call the store Ashleys and you're just back and forth to the point where you just give up and don't ever call back. These late fees date back to XXXX where I also sent a chat to them advising that I was having issues on the app and that I could not make a payment. I will never ever do business with synchrony and Ashleys and have a few acquaintences that feel the same. I will at every opportunity discourage anyone from shopping at XXXX and using synchrony as the creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Randomly closed good standing account, no late pays, usually paid in full. When accounts were closed it severely impacted credit score. I have worked my tail off for 5 years to rebuild my credit from XXXX to XXXX, now after accounts closed I am back at XXXX. The banks should not be able to ruin your credit when you have 100 % pay and not late pays. I am not the only person this has happened to. This causes higher interest rates which is what most of us were trying to fix. I was so excited when I was finally able to go from a 14 % interest rate to a 6.4 % rate because my credit score was GOOD. Also they told me when I called they informed me of this, they did not. No statement, email or standard mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35630
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had an Amazon store card with Synchrony bank for years and have never missed a payment. In XXXX I had two payments that were returned within a 24 hour time frame. Firstly, I did not realize I setup 2 payments of both {$500.00} and {$600.00}. Second XXXX XXXX XXXX used to allow them to go thru and I would just transfer the money in my account to cover low or insufficient funds. This time I am not sure why they did not allow it. The day the payments were returned ( which was in 24 hours ) I immediately issued a {$700.00} payment to post to my account and also incurred a {$40.00} late fee which I paid. I have had a lot of fraud activity lately and do not keep much money in my checking for this reason. On XX/XX/13 I went to make a purchase and the card was declined. When I checked online it said my account was closed, so when I called synchrony they advised it was because of these two returned payments. This is really night right as I accidentally had this returned payment happen one time in how many years. I didnt realize I scheduled double payments and because I keep low funds in my checking due to fraud I have lost an account that I frequently use and always pay on time. This is not good treatment of a long time customer with excellent paying history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
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: An inquiry for Synchrony XXXX is showing on my credit report. I disputed the inquiry and requested they remove it. They wrote back that the information from the application matches the credit bureau they will not remove it. They provided a telephone number of XXXX to call if I had questions. On XX/XX/22 at XXXX I spoke with XXXX at that number. I provided my social security number and she was unable to locate ANY information. I am requesting that Synchorny XXXX remove this inquiry from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02886
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I purchased hearing XXXX on XXXX from XXXX XXXX. The cost was {$5800.00}. We were told by the salesman that we had XXXX XXXX XXXX XXXX for the XXXX XXXX with mo interest or added penalties and that we could pay them off in a lump sum at any time within the 12 months. We decided to pay them off on XXXX. We called Synchrony XXXX XXXX and were told we now owed {$5800.00} because we had not been making monthly payments. I used my credit card. The transaction did not go through because it was such a large amount and our bank suspected fraud. We reassured the banker that this was a legitimate transaction. We immediately called Synchrony XXXX XXXX right back to complete the transaction, at which time we were told that the cost of the XXXX XXXX was now {$5800.00} because a {$25.00} penalty had been applied to the price in the last 15 minutes. We were on the phone with XXXX for an hour complaining about the extra {$25.00} but to no avail. We finally just paid the {$5800.00} to be done with this shady organization. This bank and credit company is a nightmare!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
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 am in my 3rd attempt to dispute a charge from XXXX XXXX XXXX for a Project that was cancelled via text with his salesman XXXX XXXX. My husband signed the Agreement back in XXXX of XXXX and due to the lack of feedback from the company for a month we cancelled the job on XX/XX/2022, and they know the project was cancelled because they charged my account {$10000.00} in early XXXX. There was never any work performed or any items purchased, the owner of the company contacted us several weeks after the cancellation insisting that we allow them to continue the work informing us that if we allowed someone else to do the work it would be bad. After several emails and text he realized we were not going to let them do the work so he told us that he would charge us a cancellation fee ( {$10000.00} ). The Project never started the only documents that was ever signed was the agreement by my husband and I am being forced to pay for literally nothing because Synchrony accepts his fake paperwork. XXXX could not have purchased anything on our behalf because the design was never finalized, my husband didnt sign off on anything other then the agreement and I signed up for the Synchrony account thru their salesman. XXXX XXXX the owner sent unsigned documents as proof that they did work to Synchrony, insisting that we allow them to do the work and at the same time saying we didn't cancel. But then acknowledges that we did cancel and that we didnt receive a cancellation notice because he needs to send it to us. The documents synchrony is accepting is being created by XXXX to continue the lie because all we have from them is the initial Agreement letter, that only my husband signed. Again we didnt sign anything and didnt receive anything from Keystone not even the documents needed to start the project for the HOA. I dont understand why synchrony is taking his documents as proof without allowing me the opportunity to dispute, my account is being scammed by this contractor. I have attached the emails and the lawyers document along with Texas consumer law 601 regarding cancellations ( they can not be done electronically ) I have to have a signed copy acknowledging I understand their policy. Furthermore we didnt sign a sales slip or cancellation notice as I was informed by Synchrony customer service agent, he provided this after my lawyer sent a letter telling him that he was in violation of the Texas consumer code involving cancellations. I am being asked to prove that I am being frauded how do I do this when XXXX can make up documents with not wet signatures to prove they are right? Case # XXXX Synchrony Design Account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A