Date Received: 2022-08-26
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: CFPB has already worked on this dispute. Please see complaint ID XXXX. Paypal had credited me for the charge but they have charged it this month again. I had cancelled the membership. They now have it under review again but they are taking too long. This purchase was about how I wasn't able to start the course as they force you to have a phone call first. I tried without the call because they were too busy to schedule one right away but it didn't work as they blocked access until the call was made. I finally got a call but found out that in order for this course to actually work they upsell you their services which cost an additional {$3000.00} to {$12000.00} which I am in no way willing to do. I please ask for a refund. I have already cancelled the subscription also. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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 is the creditor. I have had 3 accounts with them where they sneak onto your bill ( card security ) that charges a monthly fee. 2 of my accounts they did this to and when I confronted them on one of the accounts they always say " you signed up '' for it but I never sign up for credit insurance on any credit card what makes them so special. I did not sign up for I told them so on one of their accounts they refunded the money then a month later I seen it on my bill again. Same thing happen they said I signed up for I told them I didn't they refunded. Then on my synchrony lowes account which I forgot to look into thinking it was a random accurance on the other account. I finally after paying huge monthly payments to synchrony lowes account {$280.00} per month couldn't fathom why my bill never went down only went up when I hadn't purchased anything in nearly 6 months. So I looked at my statements and seen they were charging card security on that account to the tune of {$100.00} plus per month for years they were charging me this and when I confronted them they said their classic line " you signed up for it ''. I was livid paying for years on a card trying to pay it down but couldn't because they were scamming me all along under the guise of ( card security ). They only refunded {$1300.00} of that money but they owe me much more than that plus interests. They been charging me interest on charges that should have never existed. When I confronted them on that they said " case is closed ''. I want to sue them and expose them for what they are doing to unexpected trusting consumers. We look to businesses to hold the highest standard not be crooks. They also used this as a excuse to lower my credit limit and when they did that which they did numerous times they solely destroyed my credit. I never defaulted or was late on any payment to any of my credititors not even synchrony bank but they have been he'll bent on ruining my credit and it all started with their scam they pulled on my called XXXX XXXX. I want them fined and held accountable for harming me financially and damaging my credit by deliberately lowering my score so they can up their fees making me look like a credit risk. I am also doing XXXX reviews to warn everyone about they shady business practices. Oh this lowering my credit limit thing they are pulling this is what they did. So my lowes credit limit for example is XXXX and my balance is {$4700.00} so what they will do is lower your credit limit to {$4700.00} then you pay {$1000.00} then they lower it again and so on each time they lower it damaging your XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Initiated a wire transfer Wednesday afternoon XX/XX/24. Was told wire transfers are behind and allow XXXX XXXX hrs. Now nearly XXXX hours and no transfer and now being told this may take till the XXXX. Whats th epoint of a wire transfer?? Could have done a regular transfer and it would alreday be in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a XXXX Cashier 's check in the sum of {$620.00} to Synchrony bank/Amazon to pretty much pay off my account. I sent the Cashier 's check with a USPS tracking number which shows delivery. Three weeks went by and the funds were not credited to my account so I called Synchrony bank/Amazon to see what the issue was, the first two reps said they could see the payment but I had to provide information proving I made the payment which was absolutely ridiculous but I accommodated and faxed them a copy of the XXXX Cashier 's check receipt and a copy of the USPS tracking receipt. I received a letter from them a few weeks later stating that they declined my dispute. So I called again and the rep said to file another dispute again, I did as he suggested, I sent in the receipts again by email and fax and also by Usps mail. I received another message from Synchrony bank/Amazon stating that they found the payment in question and will take a billing cycle to get fixed. Today ( XX/XX/22 ), I received another message from Synchrony bank/Amazon stating that they could not apply the {$620.00} to my account because the XXXX Cashier 's check was cashed by someone else so the reversed the payment and are charging me another {$620.00}. I sent them all the information again this evening for the XXXX time. My bank, XXXX said just a couple days ago that the check has not been cashed. Three of the employees that work for Synchrony bank/Amazon has stated that they could see the payment affiliated with my account but needed proof and now I have a letter from Synchrony bank/Amazon stating that they found the payment, then today 's letter is saying the total opposite. I don't understand what is going on with Synchrony bank/Amazon , All I want is what I paid credited to my account. I did my part, I paid it and even provided proof that I paid it. I have additional documents and fax logs besides what I have submitted if needed. To many to attach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43140
Submitted Via: Web
Date Sent: 2022-09-21
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 accorders with the fair credit report 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 any account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan has late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Lost or stolen check
Subissue:
Consumer Complaint: I had returned a product for which I was issued {$2200.00} on my credit card ( XXXX XXXX by Synchrony Bank ). Bank sent me a paper check to my home address which I never received. When I asked them for a replacement check, I am told that the check has already been cashed by someone in a chase account. I have conveyed to Synchrony Bank that it is not me ( which can also be seen from the attached check image provided to me by the bank, it is endorsed by someone else and not me ). But Synchrony Bank says they have no process of re-issuing an already cashed check. I have raised the complaint with the police authority- they advised me to share the complaint with Synchrony Bank to get a new check as all check transactions have insurance against this type of fraudulent activity. But Synchrony Bank is not cooperating and asking me to work with the Police. The detective also told me this is a low-priority matter based on the amount and check being insured entity. Additionally, the job of the police is to catch the criminal and not get the money involved ( that is for the bank to take care of ) Check is the property of Synchrony Bank then why is my money on the line when I never received it? It is technically not my money until I receive it in my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been with CareCredit over 20 years and, never missed a payment. My mother ( user of the card too ) passed away last year and when I informed them to remove her as she passed away - just complete lack of empathy- I probably should have closed all my Synchrony accts after that but I didnt. So Im recent weeks I have become a victim of massive Identity Theft - yet my CareCredit acct wasnt affected at all - and before I could finish sending letters to the 3 bureaus to block specific information on my reports due to Identify Theft, CareCredit had closed my account without any notice. Similar to most of what Im hearing, calling to inquire or request re-open is waste of time as they are not entertaining the idea at all. I manage a XXXX facility where we offer and we recommend CareCredit all the time for our clients. Almost every client we have applies for CareCredit as we are able to give them first hand personal experience of it being so useful and go into detail about when and how often we actually use it. After the sudden closing of my account and my recent experience with CareCredit and Synchrony, our practice will no longer continue to offer or recommend CareCredit at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Lowes credit card denied like everywhere else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: SYNCHRONY XXXX MASTER CARD ACCOUNT. My wife and I have thousands of dollars of apple charges over several of my synchrony credit cards. We found these charges in XXXX and submitted a dispute. Only the charges were reversed. Synchrony keeps the other half of the fraudulent charges on my account. But in XXXX of XXXX, we found that XXXX and synchrony had continued to allow these fraudulent charges to continue. We contacted XXXX and were dismissed, telling us that I authorized the charges. Refuses to look into the charges. XXXX locks my account up and refuses to work with us. XXXX doesn't want to give back the profits they had made on these fraudulent charges. We contact Synchrony for help. And we were able to dispute over XXXX worth of fraudlent charges. And this amount is for the charges over XXXX, and we hadn't had the chance to fight the hundreds of the smaller amounts. At first, Synchrony 's premier mastercard was friendly and submitted all the disputes. They canceled the credit card and told us that we would receive letters in the mail from the fraud departments. These letters would give us contact information to send in any paperwork and phone numbers. The only letter we got was our new credit cards. It's been over thirty days, and we haven't heard or received any letters from Synchrony. No calls, no emails, just silence. We disputed on XX/XX/XXXX, and On XX/XX/XXXX, we started to see that they were adding the charges back on LIKE they were balance transfers. They added these charges as balance transfers without telling us why or what XXXX said. I have provided a snip of the charges being added back. What I see is that synchrony is adding them back as BALANCE TRANSFERS. I'M NOT PAYING THESE FRAUDULENT CHARGES, AND I'M NOT PAYING BALANCE TRANSFER FEES. This is crazy ; we didn't authorize these charges. And XXXX is refusing to do any investigation, and now Synchrony is refusing to help us. What do I need to do? I'm waiting to hear from Synchrony, but they refuse to respond to us. I want to work with Synchrony, but Synchrony is refusing to work with us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Re : CareCredit/Synchrony Bank with Card Security program. Opened account in XXXX to help pay for XXXX XXXXXXXX and paid off in a few months. Used periodically since to pay for personal and pet care services, and typically paid off in a few months. At some point must have agreed to their debt protection program through Card Security. Flash forward to XXXX. Husband gets $ XXXXXXXX XXXX work. Reminded of terms that include zero interest for at least 12 months. Autopay in place. Defer making larger payments a few months given zero interest. Logon after 4-5 months to make larger payment, see that almost half of my ~ XXXX XXXX monthly payments have been going to this program. So zero interest offer is useless as a savings to me if I have to pay this while any balance. I have requested program be cancelled and will verify gets done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A