Date Received: 2022-09-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, the balance on my Lowes/Synchrony Bank credit was paid twice. I contacted Lowes/Synchrony Bank the next day and I requested that the amount be restored to my bank account. I was told that was not possible even though thats how it was paid, digitally. I was told a check would need to be issued. It has been more than 3 weeks. My account still shows a negative balance which means the check hasnt begun to be processed. I am requesting your assistance for this reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
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: To whom it may concern : The billing issue began with an erroneous charge by Amazon to my Amazon store credit card for Amazon Prime. I never authorized or agreed to a prime membership trial. XXXX XXXX, my father, opted into a trial, but he cancelled the prime membership before the expiration of the trial period. Same household email. I have provided email verification of the cancellation of the prime membership trial that was received and acknowledged by Amazon before the expiration of the trial period on multiple occasions. I initiated a dispute regarding the charge to my credit card back in XXXX of XXXX. I have spent numerous hours on the phone with Amazon and Synchrony bank trying to resolve this issue since XX/XX/XXXX. During this time, Synchrony back has continued to charge late fees and interest. I finally received satisfaction 17 months later by way of an email from Amazon dated XX/XX/XXXX crediting the credit card account for the prime membership charge in the amount of {$120.00}. I was told by the Amazon representative that they would be in contact with Synchrony Bank. I was advised to call Synchrony Bank just to follow-up with them, which I did do. I was told that the account correction could take XXXX billing cycles to show up on my bank statement. Any interest, penalties and fees would be credited to my credit card by Synchrony Bank leaving a zero-dollar balance. Also, I discussed that any credit bureau reporting needed to be removed and /or corrected to reflect no late payments, balance issues or a closed account that will affect my credit score. I received a request from Synchrony Bank requesting additional information. I faxed the information to Synchrony Bank as instructed on XX/XX/XXXX. I received an email on XX/XX/XXXX from Synchrony Bank. The email states " Hi! Thanks for working with us on your recent Amazon Store Card credit account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! '' I called Synchrony Bank on XX/XX/XXXX to confirm that this was finally resolved. I was told that the email was not generated by Synchrony Bank and that there was still a balance of {$430.00} on the account. XXXX at Synchrony Bank transferred me to a manager, XXXX and after 60 minutes she indicated that she was submitting this for further review as a " work case '' and I should hear something in 1-2 billing cycles. I have spent numerous hours trying to get this resolved. It has gone on for 19 months because Synchrony Bank is always going to make corrections in 1-2 billing cycles and then doesn't take care of it. I have spent hours of my time to correct this erroneous billing issue, late fees and interest charges and this error on Amazons part has caused unnecessary frustration for over a XXXX XXXX and it has ruined my credit. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I bought a couch from XXXX XXXX XXXX on XXXX. I opened a credit card with them to take advantage of the 0 % interest, since I had done this before with them about 8 years ago with no issues. My monthly payment is {$82.00}, so I set up a weekly automatic payment through my bank for {$25.00} every Friday, with the first payment being made XXXX. Everything was going fine until I looked at my XXXX statement and saw a {$30.00} late fee on it. I used the chat feature on their website, and the agent was very nice and waived the late fee for me. I ended the chat and then was really wanting to know why I got the late fee, so I tried to start another chat, but it was late at night and no one was available, so I waited until the next day. The rep I chatted with was very nice and listened to what I had to say, but I was blown away by the reason I was charged. My due date is the XXXX every month, and so far, the statements have dropped on XXXX, XXXX, and XXXX. Well. I have paid {$25.00} every Friday, so there's no way I should be charged a late fee, right? I'm paying at least {$18.00} more than the minimum every month. So, apparently with this card, if you pay after the due date ( XXXX ), but before the statement drops ( XXXX or XXXX ), A WEEK LATER, your payment gets applied to that month and will NEVER be carried to the next month. This is what the representative told me. When I look at XXXXXXXX XXXX statement, I have payments on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. That's {$150.00}. XXXXXXXX XXXX statement says I paid XXXX, XXXX, XXXX, and XXXX. So, according to their shady practices, I only made three payments by the due date in XXXX. They did not take my XXXX and XXXX payment and apply it to XXXX, even though I had already paid {$100.00} by the due date in XXXX, because they were made after the due date and before the statement generation. Excuse me??!! So they are essentially only giving customers three weeks to pay their bill without receiving a late fee. This can't possibly be legal. I looked at all the disclosures that are available to me and this is mentioned not one time. So now it says I owe {$110.00} for this month, because of the {$30.00} late fee, so I asked about it going back to {$82.00} since the late fee was waived. The representative told me that since the statement was already generated, they can't change it from the {$110.00}. Well, I made a payment XXXX, but guess what? That doesn't go towards XXXX, it is counted as an XXXX payment. So now, not only do I have to pay {$110.00}, but my first {$25.00} payment for this month doesn't count towards it, and now I only have three weeks to pay {$110.00} without getting charged a late fee. What am I supposed to do? I'm having to pay an extra {$55.00} this month with a week less to pay it. How is that not detrimental to me when I did NOTHING WRONG? I have been paying faithfully and over what they're asking for and this is how I am treated in return. So while they waived my late fee, I am still having to pay an extra {$30.00} this month, or I'll get another late fee! So I am forced to pay the late fee that they " waived ''. I just wonder how many other people are doing the same thing and getting charged {$30.00} late fees here and there, but they don't pay attention, so this company is just making money off of GOOD CUSTOMERS. As I have said, I've purchased from XXXX XXXX XXXX before, and I really do love the couches I've purchased, but after this situation, I will not be purchasing with them again, and I will warn everyone I can about their shady practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: In XX/XX/2022, Synchrony XXXX/Synchrony Bank/Mattress Firm sent me a credit card with my name on it to activate for advertisement purposes. I did not request to have a new card but currently am a customer of Synchrony XXXXSynchrony Bank/Mattress Firm .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07801
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I am following up after experiencing a day of horrible customer service. First I spent about 45 minutes trying to get assistance through your XXXX automated service and it failed me. After that I tried to get a live person to assist me, but this ended of being a waste of my time and source of my frustration. I don't have everyone 's name I spoke with but my goal was to get to online support because I am unable to access my account online. One of the many calls i made I spoke to XXXX who said she would get me over to online support. After spending over ten minutes on hold I hung up. I called again and spoke to XXXX who went back and forth with me concerning getting me over to online support and she transferred me to care credit instead. I called back and this time I believe I spoke to XXXX again. I gave her my name as requested and she got me over to a manager as I requested. I asked for a manager in an attempt to see if that would get me where I was trying to go since asking for online support wasn't working. I was transferred to XXXX who wanted to reverify me. I told her I was verified already. She said she didn't verify me and I told her that she wasn't going to verify me again. I was not going to play that game given how many people I had spoken to up that point and all I wanted to do was get to online support. I asked to speak to another manager because I was not going to argue with her and the XXXX hung up on me. I called back again I believe I got XXXX again. This time I did not provide my name until she transferred me to a manager. She came back to me after getting a manager and told me that she needed my name before she transferred me to a manager and I told her that I will give my name to the manager you are transferring me to because I should not have to keep verifying myself. She went back to the manager and the manager requested that I provide XXXX with my name before being transferred to her. I asked her for the name of the manager who was preventing the transfer. She asked me to hold while she checked back in with the manager. I also asked her for the address to the corporate office because with this much red tape to get assistance to access my account online this situation had gotten to be unbelievable. I was transferred to XXXX who identified herself as a manager and she was verify confused and had questionable listening skills and made everything we discussed more difficult than it needed to be. She tried to assist me with why I could not access my account online. The problem is that when I asked her questions she refused to answer me. I explained to her that she is not listening to me or answering my questions so I simply want to be transferred to on-line support. This is where she should of sent me in the first place. I did not need anything from her. She would not transfer me. I asked her to send me to the survey and she said she would but that XXXX hung up also. I am not able to access my account online. I do not receive a bill so the only way I can see my bill and pay on this card is by accessing online. Since I am unable to reach online support it doesn't look like i will be able to pay my bill going forward. I have had enough of your clueless, unprofessional customer service representatives. You need to address the phone etiquette of XXXX & XXXX who if they were managers haven't figured out yet what listening and customer service is. If you can not have a reputable manager in online support reach out and assist me with accessing my account, then close this account immediately. I also want you to refund me the late fee you should not of charged me. After this XXXX experience overall, I have no plans to call you concerning anything or do business with you anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am filing a complaint against XXXX XXXX XXXX, XXXX for violating the Fair Debt Collections Practices Act ( FDCPA ). Today I received in the mail a letter from XXXX XXXX XXXX dated XX/XX/2022, regarding my account ending in XXXX and advising me that this letter serves as notification the effective XX/XX/2022 XXXX XXXX XXXX has placed your account with XXXX XXXX XXXX, XXXX. for servicing. This letter also states their records show that my account has an outstanding balance that has not yet been resolved. This letter indicates my account being placed with XXXX XXXX XXXX on XX/XX/2022, but the letter does not indicate anywhere where I have 30 days to dispute this alleged debt. Under the FDCPA Section 809 Validation of debts it states that the debt collector must provide a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, any portion thereof, the debt will be assumed to be valid by the debt collector. This statement is nowhere stated on this letter dated XX/XX/2022, which is a clear violation of the FDCPA. But here is where things get crazy because I previously received a letter dated XX/XX/2022, advising me that my account has a new home with XXXX XXXX XXXX, XXXX as my account ending in XXXX ( Reference ID : XXXX in the amount of {$5000.00} ) had been sold on XX/XX/2022 and the new owner is XXXX XXXX XXXX. Also states in this same letter that effective XX/XX/2022, XXXX XXXX XXXX placed your account with XXXX XXXX XXXX XXXX for servicing. On page 4 of this letter dated XX/XX/2022, it states how you can dispute the debt? I could call or write to them by XX/XX/2022, to dispute all or part of the debt. If you dont, we will assume that our information is correct. It also states in this letter that if you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. I also received a second dated XX/XX/2022, advising me that my account has a new home with XXXX XXXX XXXX, L.P. as my account ending in XXXX ( Reference ID : XXXX in the amount of {$8300.00} ) had been sold on XX/XX/2022 and the new owner is XXXX XXXX XXXX. Also states in this same letter that effective XX/XX/2022, XXXX XXXX XXXX placed your account with XXXX XXXX XXXX XXXX for servicing. On page 4 of this letter dated XX/XX/2022, it states how you can dispute the debt? I could call or write to them by XX/XX/2022, to dispute all or part of the debt. If you dont, we will assume that our information is correct. It also states in this letter that if you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. On or about XX/XX/2022, I sent a letter to XXXX XXXX XXXX, XXXX., disputing my account ending in XXXX and with Reference ID : XXXX in the amount of {$5000.00} and a second letter to XXXX XXXX XXXX, XXXX., disputing my account ending in XXXX and with Reference ID : XXXX in the amount of {$8300.00} with both letters in same envelope were mailed via USPS Priority Mail with Tracking Number XXXX which shows this envelope being delivered to XXXX XXXX XXXX, XXXX on XXXX XXXX at XXXX in XXXX XXXX SC XXXX. A few weeks later, I received 2 letters dated XX/XX/2022, from to XXXX XXXX XXXX, XXXX regarding both above mentioned accounts has initiated a review of the inquiry recently received. They failed to acknowledge that I was in fact disputing both of these accounts. XXXX XXXX XXXX, XXXX has yet to provide me proof of debt on either of the above-mentioned accounts. Again, I have the right to request verification of my debt ( s ) within 30 days. This period is sometimes called the XXXX XXXX. After XXXX XXXX XXXX, XXXX received my dispute letters dated XX/XX/2022, they must have stopped all attempts to collect this debt from me which they failed to do so also violating the FDCPA. XXXX XXXX XXXX, XXXX continued to call and leave voice-mail messages and on a daily basis sent me collection notices via email as these actions are also a violation of the FDCPA. XXXX XXXX XXXX, XXXX also is not allowed to list both of the above-mentioned debts on my credit report after receiving my dispute letters. XXXX XXXX XXXX, XXXX did the opposite as both the above mentioned debts were not reported on my credit reports until after they received both my dispute letters, then XXXX XXXX XXXX, XXXX reported both the above mentioned debts on my credit report which is also not only a violation of the FDCPA, but by reporting these disputed debts to the 3 major reporting credit agencies, caused my Credit Score to seriously plumet so insurance companies have taken advantage of my lower credit score by increasing my insurance premiums by at least 25 % which is not right! I strongly believe I should be financially reimbursed by XXXX XXXX XXXX, XXXX for their actions not only violating the FDCPA, but also for negatively impacting my credit reports and credit scores. Apparently, a debt collector such as XXXX XXXX XXXX, XXXX, can take as long as they want to respond to my letter request to validate both of my above-mentioned debts. Most debt collection agencies normally respond within either 1 to 30 days or they never respond when they cant in fact validate a debt. I strongly believe that XXXX XXXX XXXX, XXXX. cant prove the validation of both of the above-mentioned debts which is why XXXX XXXX XXXX XXXX XXXX never sent me proof supporting that I in fact owed both debts mentioned above. Instead of XXXX XXXX XXXX, XXXX sending me proof of my above-mentioned debts or acknowledge the fact that I am disputing the same above-mentioned debts as well, XXXX XXXX XXXX, XXXX , is trying to erase the fact that I have sent debt validation letters not only requesting validation of the above-mentioned debts, but also the fact that I was disputing both above mentioned debts as well. I strongly believe that XXXX XXXX XXXX, XXXX is trying to erase both my letters dated XX/XX/2022, in regards to both the above-mentioned debts is XXXX XXXX XXXX XXXX XXXX can not provide proof that I in fact owe both the above-mentioned debts. The way XXXX XXXX XXXX, XXXX is trying to erase my previous letters is by trying to start the entire debt notification process over again which should also be a violation of the FDCPA. Proof of this action is in XXXX XXXX XXXX, XXXX. letter dated XX/XX/2022 which against states that this letter is notification that effective XX/XX/2022 and not XX/XX/2022 as originally stated in the letter dated XX/XX/2022, that XXXX has placed my account with XXXX XXXX XXXX, XXXX. for servicing. This letter dated XX/XX/2022, also states that because my account has not been resolved, it has now been moved into a six-month accelerated prelegal collections track. This letter also states this track is the last stop in collection efforts before the account is considered for referral to an attorney. This letter also states that if I do not establish a plan with. XXXX XXXX XXXX, XXXX to resolve my account ( s ) before the end of the prelegal track, it may be forwarded to an attorney to review for possible lawsuit. Again, this letter does not give me the opportunity to dispute this debt, which is again a violation of the FDCPA, but this letter does not mention the previous letter that was sent by XXXX XXXX XXXX, XXXX dated XX/XX/2022. I believe the reasoning behind this is they can not in fact validate either of the above mentioned debts and XXXX XXXX XXXX, XXXX is now trying to intimate me into establishing some type of payment plan with. XXXX XXXX XXXX, XXXX in order to avoid a possible lawsuit against me which again is not right. I sent 2 dispute letters dated XX/XX/2022, to XXXX XXXX XXXX, XXXX. advising them to provide proof I owe these debts as well as the fact I was also disputing both of these debts with providing documentation to support my disputes. XXXX XXXX XXXX, XXXX acknowledged the fact they received my letters dated XX/XX/2022, with their letters dated XX/XX/2022, but these same letters did not mention the fact I was disputing both of the above-mentioned debts. I also strongly believe that XXXX XXXX XXXX, XXXX. letter dated XX/XX/2022, violates several sections within the FDCPA. I also strongly believe that the date for XXXX XXXX XXXX, XXXX provide documentation to support the XXXX above mentioned debts ended on XX/XX/2022, when XXXX XXXX XXXX, XXXX sent me a letter dated XX/XX/2022 which clearly states that this letter will serve notification that effective XX/XX/2022 XXXX XXXX XXXX has placed my account with XXXX XXXX XXXX, XXXX for servicing which implies that XXXX XXXX XXXX, XXXX just received this account as a new account which is not true according to the later dated XX/XX/2022 from XXXX XXXX XXXX, XXXX which advises that XXXX XXXX XXXXXXXX XXXX had my account placed with them back on XX/XX/2022 and not XX/XX/2022. So far, I have only received 1 letter dated XX/XX/2022, regarding both the above-mentioned accounts from XXXX XXXX XXXX XXXX XXXX, as they previously sent me 2 letters dated XX/XX/2022 & 2 letters dated XX/XX/2022, so I am assuming I will either be receiving a second letter date XX/XX/2022, or it may have been lost in the mail. To me this is serious fraud and XXXX XXXX XXXX, XXXX should be forced to not only cease and desist on collecting both above mentioned accounts, but also be forced to have both above mentioned accounts be removed immediately from the 3 major credit reporting agencies. I strongly believe I should receive some type of financial compensation for the damage that XXXX XXXX XXXX, XXXX has done to my credit scores which has caused me financial harm as an example would be insurance companies have increased my annual premiums as a result of my lower credit score which was caused by XXXX XXXX XXXXXXXX XXXX when they reported both the above mention accounts to be reported as collections status with all 3 of the major credit reporting agencies. I would greatly appreciate it if your federal agency could follow up with the 3 major credit reporting agencies to make sure XXXX XXXX XXXX, XXXX has removed both above-mentioned accounts from all 3 of my credit reports. Thank you very much in advance for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I submitted a payment to Synchrony for the full balance of my Amazon Store Card managed by them. On XX/XX/2022, Synchrony processed the payment but failed to update the available credit of the card as described in the card agreement. In fact, the available credit of the card did not change even after the payment had fully processed on the XXXX of XXXX. I contacted Synchrony via live chat. A supervisor insisted there was nothing they could do, and it would, in fact, take until the XXXX for the available credit to be updated. I informed them this was unacceptable and contrary to the card agreement, but they insisted there was nothing that could be done because the payment was 'on hold. ' When asked to release the payment from the hold and update the available credit, they refused. Nowhere in the card agreement does it state Synchrony may make the arbitrary, capricious, and unilateral decision to refuse to update the available credit balance after they have already taken and processed a payment. In fact, it states synchrony must act in good faith at all times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78723
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for Ashley Furniture could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
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 tried over and over calling, and emailing this seller, and have asked for a tracking number, and no response or reply. This is so hurtful my niece really wanted this doll and though I couldn't afford it I'm on SSI and XXXX I said I have to get it for her because her [ parents are on drugs and don't buy her anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92251
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recieved an adverse action letter after applying for a credit card with PayPal. The letter informed me that I was denied credit because there is an identity theft freeze on my consumer report with XXXX. What law requires a credit check or credit score for an consumer 's credit to be extended to them? I was denied my right to credit and the equal opportunity thereof which has caused me headaches and added day to day stress because I am unable to use my credit to attain my families needs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A