Date Received: 2024-01-02
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: The TJX Companies , Inc., XXXX XXXX XXXX, XXXXXXXX MA XXXXXXXX Dear sir, I would like to complain and dispute the transaction on XX/XX/XXXX with online purchase of XXXX . I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Item # XXXX. It was on sale and 50 percent off, therefore it became {$9.00}, instead of {$19.00}. I ordered two on XX/XX/XXXX of 2023. However, without my consent, the amount became only one bag. Therefore, I contacted with the chat representative, and he/she told me the shop cancelled one of them ; therefore, I only could buy one bag. And I picked up the chocolate today at XXXX , XXXX XXXX in XXXXXXXX NJ. Since I only received only one bag, the charge should be {$9.00} ; however, your company credit card activity said the total amount was {$19.00}. I would like to fix this issue, since I continue to complain to your company. Since a few days ago, your company charged completely cancelled XXXX purchase twice. And yesterday, you have charged this purchase twice ; therefore, that means you charged {$19.00} twice, even though it should be only {$9.00} once. I enclose the necessary printout with this letter. Besides, these matters of your company credit card activity, the intermediate payment system, PayPal, record showed the transaction was {$9.00}. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Re : Syncrony Bank/Amazon credit card ending in XXXX HELP!! In XXXX of XXXX, I inadvertently pushed the button twice and made duplicate payments to my Amazon account in the amount of XXXX. One of the two payments was rejected by Synchrony and credited back to my checking account by XXXX XXXX XXXXXXXX ( Page 1 ). Subsequently, over the last year and a half, this XXXX has been credited, and been credited and debited from my Synchrony account numerous times. Not having computer statements accessible prior to XXXX, I can only estimate this happened 2 or 3 times prior to the information I am enclosing. XXXX statements I could access show a credit of XXXX on XX/XX/XXXX ( page 2 ), A correction on XX/XX/XXXX of XXXX ( page 3 ), a credit of XXXX on XX/XX/XXXX ( page 4 ), and finally a correction on XX/XX/XXXX of XXXX. It seems to start getting muddied up in XXXX when they start calling the XXXX a promotional purchase ( page 6 ). Since the onset of this dilemma, I have spoken with a number of Synchrony employees in various positions of authority. Each seems to interpret what they see on there computer screen differently. I have also sent statements ( registered mail ) verifying payment. Lastly, on the advice of my banker, we tried to coordinate a 3-way call in an attempt to have my banker give them proof of payment. The answer we were given was that only the XXXX XXXX department could handle such an issue. I was informed that I would be contacted by said department within the next 7 - 10 business days.nothing. I called again and was told 2 letters had been postednothing. All my attempts have been fruitless. I am hoping that with your authority, a resolution might be possible. Thanking you in advance, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I went to have a procedure performed on XX/XX/23 at the XXXX XXXX XXXX XXXX in XXXX IL, XXXX. I previously had x-rays, and a deep cleaning performed at a diffrent location a couple weeks prior to this appointment. I gave them my scan for my teeth that were missing and a copy of procedures that needed to be done for my teeth so that i want get charged extra and provided documentation.They then looked at my teeth, told me I needed upper partials and lower partials. I agreed to pay {$2500.00} for upper and bottom partials no x-ray needed no cleaning performed. I wanted metal partials and it was documented, but when I went to pick them up they were plastic. I informed them these weren't what I ordered that I didn't want them, and I was told my insurance wouldn't cover the replacement for the ones I ordered because they were already made. I was told I had no choice but to keep them. I then contacted Care Credit and disputed the charges because I never signed for plastic dentures they were suppose to be metal, I never got a cleaning did just a scan of my mouth, that I was charge extra for procedures I didn't recieve, and I sent over proof to Care Credit to prove my reason for dispuuting. I never recieved a response back from them. I later found out after disputing the charges from this dental office that they sent an email imforming me that they are closing down immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I bought a watch at XXXX 's Jewelers, they use Synchrony Bank for their in store financing offers. I was given the option of selecting either a 0 % interest for 12 months offer or a 9.99 % interest for the term of the payment plan offer. I selected the 9.99 % offer because I was not planning on paying the watch off in 12 months and all acrued interest would hit my account if not paid in full in 12 months. I purchased the watch and started receiving the electronic bills from Synchrony. I paid several months worth of payments without checking the statements- the intial balances was exactly what I expected and the payments were not outrageous ( a little higher than I expected but I chalked it up to my mental math on the day of the sale ). I finally logged in to the synchrony app, 6-7 months after the initial purchase and I noticed that I was being charged 29.99 % interest on my card, rather than the 9.99 % I had requested at the time of purchase. I reached out to Synchrony and they told me that the time to dispute interest had passed and I had no recourse. I told them that this was obviously a mistake because the 9.99 % rate is advertised on XXXX XXXX 's website and it's a standard promotion that they ALWAYS offer. I asked Synchrony to escalate this issue internally as there is current proof on XXXX 's website of the valid promotion that I should be eligible for. They escalated and returned with " The store did not apply the promo when they submitted your file- reach out to the store for further assistance. '' I went back to the store where I purchased the watch and I was told that they could not do anything with regards to getting Synchrony to fix my APR and I would have to work it out with Synchrony. Synchrony should not be allowed to charge me an interest rate almost 3 times higher than what I thought I signed up for, just because a store associate made a mistake. My inital purchase was made on XX/XX/2022 in the amount of {$4000.00}. after 13 months of payments, I still owe {$3400.00} and I've been charged almost $ XXXX in interest when it should have been closer to $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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 am writing to formally dispute a charge on my credit card related to XXXX XXXX : XXXX XXXX, specifically the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$360.00}. I appreciate your attention to this matter and kindly request your assistance in resolving the dispute. On XX/XX/2023, the XXXX XXXX XXXX XXXX XXXX XXXX which was scheduled for delivery on XX/XX/XXXX, was supposedly left at my mailbox without the required signature confirmation / One time password. According to the USPS tracking information : XXXX, the item was marked as delivered a day before the expected delivery date. The failure to obtain a signature or one time password, as initially specified for delivery, raises concerns about the security and integrity of the delivery process. Subsequently, on XX/XX/2023, I contacted XXXX customer service to report the missing package. To my surprise, I was informed that a refund would only be processed if I filed a police report. However, I firmly believe that the responsibility for the missing package lies with XXXX and their chosen delivery service, as the package was left without the required signature and no one time password was requested or provided to carrier. In light of this situation, I promptly contacted Synchrony Bank on XX/XX/XXXX for guidance. The customer service representative I spoke with reassured me that it is not my responsibility to file a police report and, in fact, advise me to dispute the charge. Consequently, based on this guidance, I am formally disputing the charge of {$360.00} for the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I have attached relevant documentation, including order confirmation, XXXX requiring signature / one time password for the order and USPS tracking information, indicating the premature delivery and lack of signature confirmation. I kindly request that you investigate this matter and assist in the resolution of the dispute. I believe it is unjust for me to bear the responsibility of filing a police report for a package that was not delivered according to the agreed-upon terms. If further information is required to expedite this process, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was getting ready to use my credit card to make a purchase on XX/XX/XXXX, so I logged into my app to see what was available and come to find out that my account was closed. I started a chat with the company, and I asked the representative why my account is closed when it's not even past due. The response that I received was " After reviewing your account I see that this account was closed as per the terms that are applicable for all customer in compliance with all credit card laws. It was closed on XX/XX/XXXX based on an update from the Credit Bureau XXXX. I see that this decision was taken by the management based on an update from the Credit Bureau, XXXX regarding your credit scores and credit ratings and your performance not only with Synchrony, also all your other open lines of credit. Once the account is closed, it can not be reinstated. All of my Synchrony accounts have been closed down by this company, which not only will put all of my accounts in collections, but it will also destroy my credit score, making it impossible for me to establish new credit with any company in the future. After researching this online I found that I am not the only person that this is happening to, and this company needs to be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not authorize XXXXXXXX XXXX to run my credit. I did not authorize SYNCB/TJX CO DUAL To run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to XXXX XXXX I owe almost XXXX $ on a care credit card from synchrony bank. They said the date was from XXXX and i XXXX XXXX XXXX XXXX from XXXX Then XXXX XXXX changed the date to XXXX. When i left America in XXXX i had paid off all my bills. Everytime i call XXXX, XXXX XXXX, or synchrony bank no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I applied in XXXX for Care Credit and was denied. I left it at that .... However I received in the Month of XXXX that an alleged debt is owed in the name of XXXX XXXX. I have various recorded calls notifying XXXX, XXXX and XXXX that I do not do business in that name. I only do business with the name ( XXXX XXXX XXXX XXXX ) on the Social Security card... all other derivatives are FRAUD. I am now Pending Litigation against XXXX and XXXX. I will be proceeding with Legal Action against all parties mentioned herein, if this/these issue ( s ) are not corrected and resolved. I will be seeking relief for violation ( s ) of 5 USC 552A ; 15 USC 1605 ; 15 USC 1666D ; 15 USC 1692; ETC. I have written various letters and am now beyond their negligence of the XXXX XXXX, XXXX, XXXX and XXXX debt collector ( XXXX ) that are not willing to resolve these matters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Here is a copy of the letter I sent to the three major credit reporting agencies as well as a copy to Synchrony Bank : Dear Sirs/Madams : I am writing to contest the erroneous and intentionally wrong information supplied to you by Synchrony Bank . For the record, I NEVER applied for a Fleet Farm Visa Card issued by Synchrony. I did apply for the Fleet Farm in house credit card. On Saturday, XX/XX/2023, I approach the service desk and the XXXX, WI, Fleet Farm store and asked if I applied for, and was approved for, Fleet Farms in house credit card, could I use it immediately to take advantage of some XXXX sales. I was advised that I could. I stated specifically that I did not want the bank card version, only the in house card. During the application process, the Fleet Farm associate taking my application said a pop up on her screen indicated that I should call Synchrony, which I did. A Synchrony representative said she would complete my application over the phone. I stated that was fine and again very specifically, with absolutely no ambiguity, stated I did not want the bank card version, only the in house card. After taking my information I was told I was approved with a {$6000.00} limit. I again asked if I could use the card immediately and was told, yes. I should ask the personal at the Fleet Farm customer service desk to print a temporary card. When requesting such a card from the service desk, two employees laughed and said thats not possible. They said Synchrony would have to supply the number. The laughter was because the very same thing had happened the day before. I called back Synchrony and was told I would have to wait 7 to 10 business days to get my card and Visa regulations prohibited giving out account numbers over the phone. When I protested that I didnt have a Visa card I was told, Yes you do. When I asked why my specified request for an in house only credit card was ignored, I was told because my credit was so good we issued the bank card! I then asked why I wasnt informed of this during the application process so I could have terminated the process immediately I was told that wasnt Synchronys policy. I was so incensed at Synchronys arrogance that I immediately canceled the card that technically I never applied for. Synchrony unscrupulously issued a card that I NEVER wanted nor knowingly applied for. Furthermore, Synchrony interfered with some last minute XXXX shopping with an in house Fleet Farm credit card which would have allowed me to take advantage of some corporate promotions. Even if I had waited for the bank card, I couldnt have taken advantage of Fleet Farms XXXX sales. This cost Feet Farm in the neighborhood of {$600.00} - {$700.00} in sales ; a fact that I let Fleet Farms corporate offices know. Today ( XX/XX/2023 ) I received a letter from Synchrony informing me that since the information I supplied during my application for a Visa Card matches the credit bureaus, they are unable to pull the credit request from my file. This is more of Synchrony continuing with their unethical behavior. Ive had several calls with Synchrony detailing my situation and by now they know I never requested a bank card. Since all calls are recorded for accuracy, my statements would be easy to verify if one cared to know the truth. As an aside, one reason I dont want another bank card is I already have a half dozen or so and from the largest banks in the world among them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I do not need, nor want, another bank card! I am writing this letter to be included in my permanent file. Im also considering pursuing other avenues of redress. Certainly Congress with its respective House and Senate Banking committees should be made aware of Synchronys unscrupulous tactics. Increased oversight is definitely necessary. Sincerely, .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A