Date Received: 2022-09-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I logged into my XXXX account recently and noticed a XXXX had been opened in my name and was showing on my account separate from the in store rewards card. I never applied for the card. I never gave permission for a XXXX to be opened in my name. I contacted XXXX via phone on XX/XX/22. The man said I had been selected as part of an " upgrade '' and the card was opened without me needing to do anything. I told him I wanted it closed completely and taken off my credit. He said he would close it. Then on XX/XX/22, I received an email from XXXX XXXX XXXX that my card was being mailed to me. I called XXXX once again. The automated system now gave me my total credit limit and cash advance limit. I spoke to a woman, explained the situation again and asked for the card to be closed completely. She pushed me to keep it open and said it didn't effect me to leave it at {$0.00}. I asked to speak to a supervisor. He told me he was unable to close the card because it was too new. So now I have a XXXX XXXX open in my name that I never consented to and can not close.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: XX/XX/22, I went to XXXX XXXX in XXXX GA to purchase several items. When checking out, the clerk offered the opportunity to apply for a Lowe 's credit card in order to save {$100.00}. I accepted and she completed the application for me. Then she said there was a hold on the application and she called Synchrony Bank to see why. They got info from her and then asked to speak to me. I was told, " in order to prevent identity theft, I needed to go to XXXXXXXX XXXX ( don't remember the x 's ) and answer some questions. I explained that I was standing in a check out lane at XXXX XXXX, She said I could do this on my phone, I went to the website and the instructions were to record 15 second video of myself, take a pic front and back of my license and view a tutorial on all this. I said, again, I'm standing in a check out line I can't do all this here ( not sure how to video myself and upload all this stuff. ) I told her to just withdraw the application. Now I have a hard inquiry on my credit and no card, so it appears I was declined. If they were going to require all that, it should have been asked for, BEFORE they pulled my credit! I would have declined to apply. I'd like the inquiry removed please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX, XXXX I received a XXXX dollars invoice XXXX from XXXX XXXX XXXX ( XXXX ), for XXXX membership renewal. I contacted by phone XXXX XXXX XXXX, Executive Director of XXXX and authorized a one-time charge of XXXX dollars to my XXXX 's XXXX XXXXXXXX XXXX credit card XXXX XXXX XXXX XXXX, in order to pay that balance in full. XXXX charged XXXX dollars to my credit card in XXXX, XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX made two charges of XXXX dollars each, total of XXXX to my XXXX credit card. I tried to contact XXXX by phone, fax, e-mail but they never answered me. I even drove to XXXX 's office and it was closed. I contacted the card company to XXXX XXXX XXXX, to place those new charges of XXXX in dispute. The credit card company, Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mailed me a letter stating that those charges were placed on dispute and that they will mail me a form if they need additional information. They never send me any form. Anyhow, I mailed to their XXXX XXXX XXXX XXXX Florida XXXX and also faxed to their fax XXXX XXXX XXXX all the pertinent documentation proven my dispute. Next, the credit card company send me a letter, making me responsible of those XXXX XXXX dollars charges, as " the cancellation policy for trial offers and product/service enrollment is determined by the merchant, and the merchant is indicating this was not cancelled according to the agreement. '' This statement does not apply to me. I paid my membership in full to XXXX on XX/XX/XXXX. I never signed any agreement. I contacted the credit card company again, disputing this statement from XXXX. I even requested them to send me copies of any documentation from the merchant, but the credit card company refused. This is an scam form XXXX and the credit card company is sponsoring this scam. XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Around XX/XX/2022, I made an extra payment of {$100.00} my XXXX XXXX XXXX store credit card, which is administered by Synchrony Bank, and requested that it be allocated fully to my purchase who's interest-free promotion is over at the end of XXXX, 2022. I have made 3 phone calls, and have spoken with 3 separate representatives, and instructed them to perform this allocation as requested. I have received a letter from the Synchrony Bank stating that the request has been processed and have received verbal confirmation as well that the request has been processed. The most recent request, which was verbally confirmed, was on XX/XX/2022. None of these requests have been processed as requested. The {$100.00} payment was split between the two purchases on the card. The other promotion doesn't end until next year, so this extra {$100.00} payment didn't need to be split. I do not want to be charged the accumulating interest from the XX/XX/2022 promotion, so I am trying to pay it off. I feel like Synchrony Bank is purposely failing to complete my request as instructed so that they can charge me the interest associated with this promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Long time care credit member, paid in time no issues. Suddenly I was charged interest going back to initial time of purchase. I was down to {$1500.00} & was going to pay off then next month statement doubled due to back interest. I did NOT know that would happen. Never was told. I called and rep stated they would adjust and send new statement out. Next month still no change, I have called numerous times and sent letters even and no help by rep to help with acct so I can leave in good standing, no response by my letters. Its almost 30 % interest, I cant even get my bill down for no one helps, this company is the worst ever. I cant even pay off with another card due to they dont allow it which makes sense for them for they are making a killing off of not being able to let members do so. I want to keep my credit in good standing but no one helps. What can I do, Im so lost and no assistance anywhere with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had went to review my credit report and it shows something like a credit card for Sam 's club so I called their number they're saying nothing like that is on their file and I had to file a complaint with the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Conns has been repeatedly calling my husband and myself after I have asked them not to. I paid my balance in XX/XX/2022. They are calling telling me that I paid everything but {$60.00} and now I owe {$200.00} because of accrued interest. I offered to pay the {$60.00} that was apparently owed and they dont want to accept that. This balance was paid 6 months ago and they did not contact me for the first time until XXXX. Ive spoken to SEVERAL different representatives from their company and asked why it took them sooo long to contact me. I have repeatedly asked them to stop calling me. They are calling my cell phone, my husbands cell phone and my work #. It is getting out of hand!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Venmo ( synchrony bank ) card has closed my account numerous times with no cause. The first time, I had to go to lengths to find someone in their corporate office that was willing to fix the account and admitted to an error. A year later, I set up my normal payment and realized the account number had changed on my checking account. I called to cancel and they still sent the payment through. Today I was alerted the account is closed, again. I called and was told because of the first issue ( when the account opened ) and the current mistake it's closed again. Problem is, it's on their side of things. Not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a special payment of more than {$7000.00} to free up enough credit on my card to make a furniture purchase of approximately {$7000.00}. The payment was an authorized debit directly from my checking account. When I called Synchrony bank, I was told that the payment had cleared my bank, but their computer had put a hold on the available balance for nine days. As a result, I only have {$300.00} of available balance and any of the automated payments I have scheduled for this card that come and exceed the available balance will be rejected. Additionally, Synchrony bank was unwilling to increase my credit limit. Why is Synchrony bank allowed to make a hold on the payment for nine days when it has already cleared my bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
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 I was incorrectly charged {$69.00} via PayPal Credit/Synchrony Bank for a charge that I did not authorize. I filed a complaint and eventually the charge was reversed and was told all was settled. Just in case the charges continued in XXXX when I was discussing this with Synchrony I put a hold on my PayPal account as I have had issues with unaware charges happening with PayPal. Even though the issue was supposedly resolved I continue to this day ( XX/XX/2022 ) get Robo credit collection calls from them and now I will not longer answer them. On XX/XX/2022 I had a discussion wit the resolution department of Synchrony Bank and the woman told me I owed nothing regarding this charge and that any calls regarding it were scam calls as my balance was XXXX. So, I sent PayPal credit a letter dated XX/XX/2022 which I sent in with the PayPal bill ( now up to {$180.00} due to fees and charges ) and told them to print out the conversation that I had with their resolution department. I want to see that conversation that specifically said the issue was resolved and I owe nothing. At least 2-3 calls, texts, occur DAILY and I owe them XXXX XXXX How do I stop this harassment?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54313
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A