Date Received: 2022-08-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Credit card Type : Credit care/ The extra interest amount {$970.00} / Issuer : synchrony bank / Merchandiser : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / During issuance, the card information has been given ( Terms and conditions ) changed by the bank & Merchandiser without my knowledge or approval which resulted in {$970.00} extra added to the card balance. The bank claimed that the deal is the pay the total amount ( {$6900.00} ) within 6nmonth which something never discussed or brought up to my attention & approval during applying and approval process, moreover I never acknowledged or approved such terms. When I contacted the bank to complain & despite such added extra amount/ interest they refused to take action and directed me to deal with the Merchandiser. The XXXX doesn't respond & communicate back to my calls for more than 6 weeks. I have been misled during applying & approval process by both Bank & Merchandiser.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22406
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: 2022-08-30
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: Please note that the following are the events that occurred regarding the dispute on the charge of {$580.00} on XX/XX/XXXX. XX/XX/XXXX at XXXX - Initial appointment with XXXX XXXX at XXXX XXXX XXXX I had an exam for contacts and glasses. I purchased glasses and was provided a trial pair of contacts that was the incorrect prescription. I was informed that I would be contacted within a few days when the correct trial prescription came in. I am a new patient to XXXX XXXX and he made a significant change to the prescription that Ive had for over 10 years. XX/XX/XXXX - I wore glasses for a full day while doing computer work from home. I noticed glare and experienced migraines. XX/XX/XXXX at XXXX - I contacted XXXX XXXX by phone. I complained of issues with glare on the glasses as I paid for anti-glare coating and XXXX. I was informed that the anti-glare protection was placed on the glasses. The XXXX was not acknowledged. XX/XX/XXXX at XXXX - I received a missed call and voicemail from XXXX XXXX that the correct trial contact lens prescription arrived for pickup. XXXX at XXXX - I picked up sample contact lenses. I brought the new glasses with me and informed staff of the issue with the glare to which no solution was offered. They confirmed that the anti-glare coating was placed on the glasses. XXXX at XXXX - I contacted XXXX XXXX by phone to complain about the contacts prescription. I scheduled an appointment with XXXX XXXX for XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX - I received a phone call from XXXX XXXX reminding me of my appointment with XXXX XXXX at XXXX. XXXX - I visited XXXX XXXX to re-evaluate contacts and glasses prescription with XXXX XXXX. I informed him that I struggled with seeing small numbers on the back of a credit card and road signs while driving while doing a trial of the contact lenses he prescribed. I also informed him of XXXX when wearing the contacts, and that I had only worn the glasses once due to XXXX XXXX XXXX initially said he would address the glasses prescription first and then changed his mind to change the contacts prescription, stating that it could be costly for him " to go through multiple glasses lenses. '' I was agreeable. I asked if the issue could be the drastic change to my prescription and initially he said no but then later agreed that his change by increasing the strength of the astigmatism could be creating the problem with my vision and XXXX. He indicated that he was having a difficult time determining my prescription and wanted me to try three different prescriptions of trial contact lenses. He indicated that he would address the prescription on the glasses at a later date. XX/XX/XXXX at XXXX and XXXX - I received two separate missed calls and voicemails informing me that the three trial pairs of contact lenses had arrived. XXXX - I picked up three pairs of different prescription trial lenses. XX/XX/XXXX at XXXX - I visited XXXX XXXX to return glasses. I was greeted by a young woman who indicated that I would have to wait for the manager to arrive to the store before a return could be processed. I waited for the manager to arrive to the store before the return could be processed. Upon his arrival I was informed that I could not return the glasses because they had a no return policy and I had never complained about the glasses. I informed him that I complained multiple times including directly to him and that XXXX XXXX was aware that there was an issue with the prescription. I informed him that he was seeking to address the contacts prescription before addressing the glasses because it was " cheaper '' for him. I indicated that I had tried 4 pairs of different prescription contacts as he made a drastic change to my initial prescription that led to migraines and difficulty seeing. He reported that there was no documentation of my complaints. He also indicated that if he was to refund me for the glasses he would have to subtract the cost of materials such as the lenses and frames. Additionally, he stated that he was unable to process a refund and that Care Credit was responsible for processing the refund. The manager raised his voice and yelled at me several times through my attempt to argue and negotiate a refund. After arguing, he was agreeable to speaking to XXXX XXXX on XXXX as XXXX XXXX was not working that day. I agreed to contact Care Credit. I left the glasses with them and indicated that I can't use them as they are the incorrect prescription. XXXX - I called Care Credit at XXXX and filed my first dispute. XXXX - I received a message through the Care Credit Message Center with 2 pdf attachments that were unable to be opened on any device. I contacted customer service for more information and was informed that they were unable to open the pdfs as well and that a letter would likely come in the mail. XXXX - I received a letter that my dispute was denied. I contacted Care Credit Customer Service by Phone to file and appeal and was informed that no documentation was provided. I sent complete documentation along with my attestation in via the Message Center as seen on the attached letter. XX/XX/XXXX - I received a message and pdf from Care Credit through the Message Center declining my appeal stating that they believe it was a service quality issue. XX/XX/XXXX - I filed a Declination to Pay based on page 9 of the Care Credit Cardholder Agreement. I receieved a message acknowledging the dispute and was informed that there would be an investigation that would take up to 60 days, however upon attempting to follow up, I was not provided information on the status. I have been making my payments toward a different charge however I declined to have payments applied toward the disputed charge until this is resolved. I have made concerted attempts to resolve this issue with the merchant and with the credit card company. Unfortunately I still was unable to get resolution for inadequate service and to not have the product that I am being charged for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank closed EVERY single account i had with them 10 - 12 accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX SS # XXXX XXXX XXXX XXXX XX/XX/1967 I tried to apply for new cards with synchrony but they automatic decline. I have received 3 different reasons why they closed my accounts. I am allowed no cards with Synchrony. This CLEARLY CREDIT DISCRIMINATION AND AGAINST THE LAW. this is a violation of FCRA. Synchrony refuses to answer the question why. ***************PLEASE READ CLOSELY ************************The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Called to ask me to take care of my debt. I told them I could do it in 4 payments over 4 months. They refused to work with me even though my debt was XXXX related
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: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Good morning, As I explained in a fax ( sent on XX/XX/XXXX to the collecting company : XXXX XXXX because of the purchase of some XXXX made on Saturday XX/XX/XXXX at the JCPenney stores, it was not made by me. In other words, I didn't buy anything that day at these stores. According to the details, the purchase was made with a JCPenney credit card, but I don't have a credit card with them, so I couldn't pay using their card. I have never received a card from this company since I reside in New Mexico. Therefore, it is possible that someone used my identity to make me pay for this purchase. I reiterate that I have never had a JCPenney credit card. The last purchase I made in these stores was on XX/XX/2019 for {$38.00} and I paid for it with the only credit card I had at the time ( XXXX ). The purchase on Saturday XX/XX/XXXX is a ghost purchase. Respectfully, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87124
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: 2022-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank : Synchrony Bank in conjunction with TJMaxx. I have been charged late fees and interest even though my payments were posted before the due date. In XXXX 2022 I was charged {$65.00} in total fees & {$22.00}. Each time I have had to contact the company to have the fees & interest charges dropped. The last incident ( XX/XX/2022 ) the company dropped the late fee but not the interest charge. Because this has been an ongoing issue, I have since canceled my account. My payments were always made before the due date, I shouldn't have been charged or had to take time to settle the inappropriate business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Care Credit, a credit card for medical and veterinary services, issued through Synchrony Bank, had required an auto-draft to make monthly payments. However, in XXXX and XXXX I was struggling with having had a series of unauthorized charges to my bank account, so i was trying to segregate my bank account from auto-drafts to prevent my having to cancel and replace debit cards and because auto-drafts to my primary checking account compromised my ability to control and manage my payments. I also had a crisis in early XXXX that depleted my funds and was in the process of funding my account, but also blocking any further auto drafts directly from my primary checking. On or about XXXX XXXX, I got a call from Care Credit about my late payment from XXXX, which I was not aware of. They rep tried to compel me to pay at that moment, but I explained that I could not. She asked if they could autodraft my account, and I said, " No, '' because I was funding a different method to use. About five days later, CareCredit auto-drafted my primary checking account anyway, which resulted in being rejected because of insufficient funds. Two days later, I paid my bill, but by that time, CareCredit/Synchrony had closed my account. In discussing the problem with the agent today ( XXXX XXXX ), she again explained they'd be auto-drafting my account on XXXX XXXX, but I told them not to, because I have set up another account for that purpose. Because they've closed my account ( not having been late other than the XXXX payment ), I am not able to manage changing payment accounts. First, a closed credit account hurts my credit. Second, CareCredit failed to appreciate my situation and ignored the fact that I was changing the accounts used for auto-drafts. Third, CareCredit drafted my account after I expressly told them not to. Then, despite my efforts and disclosures, they closed my account. I am concerned they will continue to auto-draft my account, and I am concerned about the damaging effect having a closed credit account will have on my credit. I would prefer CareCredit reopen my account and allow me to either make a payment in response to an alert, or designate a different account to auto-draft. This practice by these merchants and creditors to draft my money without my knowledge or authorization has truly gotten out of hand, and preventing me from having greater control over my funds, and allowing me to pay when I know I have money. My priorities and the inflation during these past couple of years have created limitations on me, and I simply must be able to pay my bills when I have funds, which typically is the second Wednesday of the month, and fortunately now, may be at least three weeks of the month due to new income. That said, the strong arming by this and other merchants these days is downright oppressive, and I intend to seek attention on this problem with my congressional and senate delegation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Multiple Problems Started the day I applied : 1. Takes 10-14 business days to get card. Card was lost in mail, took a lot of convincing for Synchrony Bank ( Paypal XXXX mastercard ) to expedite the replacement card. 2. They do not reset credit limit even after you pay off the full balance. Takes up to 3 weeks for limit to reset. XXXX. They take longer than other credit cards ( XXXX XXXX, XXXX, XXXX ) to post payments. 4. Was using card on many utility bills. I paid balance off and extra as soon as purchases were made. I have excellent credit and have never had a balance remain. Synchrony bank still cancelled my account, shut down the card, and took away all the cashback I had received, thus rendering the purpose of the card useless. They sent my file for review and will decide what to do. 5. Synchrony bank has done a poor job with this particular cashback card. Customer service is of no help as they do not control company policies. 6. I have overpaid everytime, Synchrony bank believes I wont pay my bills even though they will be returning money to me if they permanently close the account. I have never missed a payment and actually had a positive balance on my last statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30720
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX called XXXX XXXX spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A