Date Received: 2022-08-27
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 store card for Ashley / Ashley Home Store / Ashley Furniture HomeStores/SYNCB. Account ending in XXXX. I am listed as co-applicant on this card with my wife. From XX/XX/XXXX through XX/XX/XXXX, our promotional balance went from {$4700.00} ( XXXX ) to {$3600.00} ( XXXX ). Checking our account online, on XXXX XX/XX/XXXX, made payment of {$190.00} on XXXX XXXX, the info displayed indicated the promotional balance as {$3400.00}. On our XX/XX/XXXX statement the promotional balance is shown as {$3600.00}. On XXXX XXXX, I logged in, pressed chat option, opened chat with company representative ( prefer not to use name of agent ; this situation is not the fault of that agent ), during chat agent did research and responded with two different chat boxes. The first chat box from agent stated that balance is {$1900.00}, I asked to ensure correct account number was being used by agent. Agent confirmed correct account number was being used. Next chat box, agent indicated that the balance on their end, in their system, is now showing as {$0.00} ( XXXX ). Again, made sure correct account number, agent verified that he was using correct account number. Due to much confusion, I called company. At first spoke with XXXX, she could not explain, to my satisfaction exactly what was happening with our account. She escalated my concerns to a supervisor, XXXX. After much conversation, she too had no idea or reason for the difference between {$3400.00} to {$3600.00} to chat balance of {$1900.00}, then XXXX. Between XXXX and XXXX, we made a payment of {$190.00}. Balance should have decreased not increased. Completely confused about what is going on. My previously submitted complaint # XXXX, is related, connected or XXXX to this new complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I purchased a 'high-end ' technology bed from Mattress Firm in XXXX XXXX MN XXXX XX/XX/22. I was offered 60 month interest free financing through Synchrony Bank. The financing terms are not the issue. Synchrony Bank automatically signed me up to a 'Debt Cancellation Program ' that I was neither informed nor did I sign up for. I was notified by Synchrony Bank that I was enrolled in the program on XX/XX/22 via email. The program would pay off the remaining balance on my card in the event of death / disability etc. The interest rate was approximately 20 % of the unpaid balance. My complaint is that Synchrony is violating the law or at a minimum is engaged in unethical business practices by enrolling me in a program without my prior consent. I have since had two phone conversations with Synchrony Customer Service. In the first call, the service agent confirmed that I was enrolled. She graciously honored my request to cancel my Debt Cancellation Agreement. This occurred on XX/XX/22. I also asked for written correspondence confirming my request. It is now XX/XX/22 and yet to receive written verification. I then called by on XX/XX/22. The Customer Service Rep confirmed that my Agreement was cancelled -- then would follow-up to get me written confirmation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
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, have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B States 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: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had two store credit cards which the stores deceivingly advertised as regular credit cards when I was asked at the registers if I wanted to apply. But even though that is beside the case, when I lost my job and had no money, the interest and the late fees doubled the amount of money that I owed on the store cards. When the collection agencies called me cut a deal with me that if I started paying the most I could afford, of {$8.00} a month, they would erase the late fees and the interest and only charge me for what I originally owed. I had been paying this XXXX per month for almost a year and when I checked on my credit report statement there was no record of it and the balance was still the original balance with the interest and late fees included! So they obviously lied to me and scammed me and took my money all this time with out the balance owed even dropping at all!! So they scammed me and deceived me because they got me to pay them the smallest amount I could afford every month for about almost a year and they stole it because it was not deducted at all from the original balance!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Its old debt and old late payments shouldnt matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a credit card in my name and charged {$490.00} on it. I caught it because Venmo sent me a memo that a new device was added to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2022, my XXXX was updated with a balance from rooms to go/synchrony for a card that I am no longer an authorized user on. I was removed back in XXXX. When I look in the account Im not even on there anymore. They reported incorrect information and caused my debt to income ratio to rise and my scores to drop XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Synchrony Bank Charged off my Account XX/XX/XXXX with an Incorrect Balance {$11000.00}. due to their Error. The Error was made in XX/XX/XXXX while my Dispute was open, but never corrected. In a letter from Synchrony Bank dated XX/XX/XXXX they stated that they identified their error, and that I would receive a Refund or Credit including the Disputed amount. Later, in a follow up letter dated XX/XX/XXXX from Synchrony Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the credit was applied to my closed Lowes Credit Card Account, and that amount did not include the Disputed Purchase Amount. I have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A