Date Received: 2024-01-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to report an issue regarding the unauthorized enrollment into an Amazon store credit card without my consent. I am deeply concerned about the lack of transparency and the difficulties I have faced in canceling this credit card. On XX/XX/, I noticed that I had been automatically enrolled into an Amazon store credit card, which I did not request or provide my consent for. I have neither received a physical credit card nor have I been provided with a full credit card number. Despite my efforts to resolve this matter, I have been unable to cancel the credit card or obtain further information from either Amazon Customer Service or Synchrony Bank. I have made multiple attempts to resolve this issue by contacting Amazon Customer Service and Synchrony Bank, However, I have received no satisfactory resolution from either party. The representatives were unable to cancel the credit card enrollment or provide any additional information pertaining to the account. I kindly request that you take immediate action to cancel the unauthorized enrollment into the Amazon store credit card and ensure that no charges are associated with it. I have always been a valued customer of Amazon, and this incident has greatly affected my trust in the company. Additionally, I need clarification on how this unauthorized enrollment occurred and how my personal information was obtained without my consent. I request a thorough investigation into this matter to prevent such incidents from happening to other customers in the future. I have taken steps to monitor my credit and ensure there are no unauthorized charges or accounts associated with my name. However, I strongly believe that a prompt resolution from Amazon and Synchrony Bank is necessary to rectify this situation and protect the integrity of my financial well-being. I kindly request a written response from both Amazon Customer Service and Synchrony Bank confirming the cancellation of the credit card enrollment and any associated charges. Additionally, I would appreciate any relevant documentation or information regarding this matter. If my concerns are not addressed adequately or if there is no satisfactory resolution to this unauthorized enrollment, I will be left with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice to protect my rights as a consumer. I am confident that Amazon and Synchrony Bank will take this matter seriously and resolve it promptly. I look forward to a positive resolution to this issue at the earliest possible convenience. Thank you for your immediate attention to this matter. I expect a prompt response to ensure an amicable resolution. Yours sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
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 companies included in this is Synchrony Care credit and XXXX animal emergency. On XX/XX/XXXX I brought my cat XXXX to XXXX animal emergency clinic because he wasn't eating or drinking, When we got to this clinic he was taken into a room and looked at, they said he needed to be in overnight for evaluation but I wanted to take him back and just bring him to a normal clinic in the morning but they were being pushy on not letting us just bring him home. We didn't have the money which they wanted for him to stay overnight which was XXXX and they told us about care credit so I applied because of the emotion I was feeling and being pushed about it. When I applied to care credit It had a page in the contract stating that if the pet or the one being treated died within a certain time payment would be voided and not taken because of the death. I signed for the care credit and used it for rockets treatment. When paying for everything in the clinic I signed documents approving the transaction and other things but never received copies of what I signed, I was being rushed to sign these documents and wasn't given a chance to even read them, I was being pushed to sign other things while signing the payments I never got to read or a copy of as well. I left soon after because rocket was signed to stay overnight for treatment. My boyfriend who was the co owner of rocket called them about XXXX hours later and was told that they got rockets blood work back and that everything was fine so we went to bed thinking rocket was ok. The next morning We gave them a phone call at XXXX XXXX and were told that rocket was eating drinking and urinating normally again and he was being active so we had high hopes to get our kitty back. We were expecting to get a phone call later that day because we were meant to pick him up later that day at XXXX, but never received a call. We started calling them at XXXX that afternoon and were told we would get a phone call in XXXX minutes from the vet who was in charge of his care, we never got that call so I called them back and they said wait another XXXX minutes, never got that call so called them back and they told us to wait another XXXX minutes, about half way through we decided to just go get him because they never called us the whole time he was there it was us calling them then they were refusing to call us about an update on rockets health. I gave them another call and said we were on our way to get him and were told ok they would give us a call still. We lived about XXXX minutes away from that clinic and took us an hour to get there because of traffic and never received a call. we walked in and demanded to get him and he wasn't ready despite us telling then to get him ready. Took about XXXX minutes for us to see him and when we did they wouldn't let us take him out of his crate. they went over bare basic things like what they gave him what they fed him. They fed him wet food and we specifically told them he doesn't like wet food much less the flavor they were giving him they shrugged it off. We got only XXXX document back when we left, which were a receipt of what we paid and what was credited back, the medicine and I paper explaining his discharge. Nothing else despite us asking for vet recommendations and how to give him the medication. I have a recording of the night we picked him up conversation but the file is to big. We brought him home and got him out the XXXX crate but he couldn't walk, he was able to walk a bit before we brought him. he wasn't eating or drinking. we were trusting the process and gave him his meds and went to bed after cuddling with him. the next morning I woke up he had a XXXX, so we rushed him to a local clinic where we were told he had XXXX XXXX and passed away. we were never told at XXXX animal emergency he had kitty XXXX which is impossible to cure at his stage. We never got any document from XXXX XXXX emergency until it was to late. I got a call 2 days later and was able to get his records. Which I sent in the files, It shown his bloodwork was terrible, and stated that the clients/ us were expressing financial issues which leads me to believe they neglected him because we couldn't pay and they refused on payment plan options. We believe they malpractice against rocket which resulted in his death early. I have sent all this information and documents to care credit multiple times but they deny my dispute and are treating it like a payment dispute. as I mentioned earlier when I signed to care credit we had sometime saying if the one the payment was used for dies in a amount of time payment would be voided, they said they never had that despite me signing it. unfortunately I didn't receive a copy of what I signed from care credit neither which I should have received. I believe that XXXX animal emergency killed rocket because of malpractice and that Synchrony care credit is being not only insensitive but going against what I signed and denying my disputes. I have reviewed the synchrony care credit but they won't show my full number and I never received my card so I only have the last XXXX digits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This complaint is regarding a purchase that I've been trying to make for the past 2 days online using my Ashley XXXXXXXX XXXX XXXX I have been receiving an error message that my payment can not be processed and that I need to check my billing address and payment information. I have checked everything, and it all seems to be correct. I have even called Synchrony Bank and Ashley Furniture Mart. Synchrony bank informed me that everything I verified was correct, so the point of contact was Ashley customer service. I spoke with a representative today and they advised me to use XXXX chrome and that still did not fix the problem. This has been overwhelming, and I have yet to get this problem resolved. This is a birthday gift that I am trying to have to my niece this week and the unfortunate circumstance is slowing down the process. I will attach the error message I am receiving as well as the email that was sent to the customer service agent that helped me. He advised me that if it didn't work when I tried XXXX chrome that he would assist me, but he has yet to reply. I even sent an email to the suggested email when I received the error message to no avail. I am requesting that someone reach out to me via phone to correct this problem. There is no reason why I should not be able to use my card. The product item # is XXXX. Please see the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I am writing to formally file a complaint against Synchrony Bank and Care Credit for the unwarranted and damaging reduction of my credit limit. This action, which I believe to be a direct result of erroneous reporting by XXXX XXXX, has caused significant and undue harm to my financial standing and overall credit health. For years, I have been a responsible and prompt customer, always ensuring my payments to Care Credit and other accounts under Synchrony Bank were always made on time. Despite this history of diligent financial management, I was shocked to find that my credit limit had been substantially lowered ( {$9000.00} to {$3200.00} ) without prior notification or a valid reason ( your reasoning is based on a cascade of negative credit events as a result of XXXX 's erroneous reporting ). This reduction in credit limit not only undermines my trust in your financial services but also has cascading negative effects on my credit score and utilization rates. I understand that lenders periodically review accounts and make adjustments based on various factors. However, it is clear to me that this action was taken in response to an erroneous 30-day late payment report from XXXX XXXX XXXX XXXX situation that was entirely out of my control and has since been rectified. The decision to lower my credit limit in reaction to this incorrect information is both unfair and irresponsible, failing to take into account my long-standing history of creditworthiness and the extenuating circumstances of the reporting error. This reduction has had immediate and profound repercussions, including : A decrease in my credit score due to increased credit utilization. Restricted financial flexibility and access to emergency funds. Increased psychological stress and concern over my financial reputation. I have attached documents notating my original credit limit, my letter from XXXX explaining their mistake and a screenshot of the adverse toll this has taken on my credit and continues to do so as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Synchrony Bank Regarding Account Numbers : PayPal Credit : XXXX XXXX XXXX XXXX Venmo Credit : XXXX XXXX XXXX XXXX TJMax Credit : XXXX XXXX XXXX XXXX Care Credit : XXXX XXXX XXXX XXXX Adverse Actions Synchrony Bank is guilty of : 16 CFR 433.2 15 USC 6802 12 CFR 1016.7 Privacy Act 0f 1974 16 CFR 313 Language Fraud. I am responding to another Adverse Action by Synchrony Bank for closing another account of mine. No notice, no letter informing me of their action before they act, which is the same actions they have illegally taken against me with all four of my accounts. In the beginning of XXXX, XXXX, I received my notices confirming my correspondences had been received by both parties. In the correspondence I submitted to XXXX XXXX XXXX, of XXXX XXXX and XXXX XXXX, of Synchrony XXXX XXXX XXXX, I sent three stamped, and endorsed certificates of indebtedness as payment for all three of my delinquent accounts and I have not been contacted by any member of the Synchrony Bank team. My account should not have been closed. If my certificates of indebtedness were not accepted as payment, they should have been returned to me. If there was something I forgot to include in the certificates, again, they should have been returned for corrections. According to the current 10k form, dated XX/XX/XXXX, Synchrony has had to pay out millions of dollars for illegal practices and it doesnt seem like their illegal or unfair practices are going to cease. NOTE 13. LEGAL PROCEEDINGS AND REGULATORY MATTERS In the normal course of business, from time to time, we have been named as a defendant in various legal proceedings, including arbitrations, class actions and other litigation, arising in connection with our business activities. Certain legal actions include claims for substantial compensatory and/or punitive damages, or claims for indeterminate amounts of damages. We are also involved, from time to time, in reviews, investigations and proceedings ( both formal and informal ) by governmental agencies regarding our business ( collectively, regulatory matters ), which could subject us to significant fines, penalties, obligations to change our business practices or other requirements resulting in increased expenses, diminished income and damage to our reputation. We contest liability and/or the amount of damages as appropriate in each pending matter. In accordance with applicable accounting guidance, we establish an accrued liability for legal and regulatory matters when those matters present loss contingencies which are both probable and reasonably estimable. If my payments were not accepted, per CFR3-603 The debt is discharged. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. '' According to the Synchrony Card funding 10k form, ARTICLE IV SECTION 4.1 Purposes. The purpose to be conducted or promoted by the Company is to engage in the following activities : ( a ) ( i ) to purchase, accept capital contributions of or otherwise acquire credit card receivables and other receivables arising in credit accounts ( including interests or participations therein ) ( collectively, the Receivables ) from the Initial Member, its affiliates and any other originator of Receivables and any rights of the Initial Member, its affiliates or such other originators related to the Receivables and any collections, recoveries or other proceeds of the foregoing ( collectively, the Credit Account Assets ) ; ( ii ) to own, hold, service, sell, assign, transfer, pledge, grant security interests in or otherwise exercise ownership rights with respect to the Receivables and other Credit Account Assets ; ( iii ) to issue and sell one or more series of Securities ; ( iv ) to act as settlor or depositor of trusts or other entities or to own equity interests in other limited liability companies or special purpose entities, each of which is formed to issue Securities ( each, an Issuer ) ; ( v ) to acquire, own, hold, transfer, assign, pledge, sell and otherwise deal with Securities and any other securities issued by any Issuer or interests in any Issuer ; ( vi ) to enter into, execute and deliver any underwriting agreement, purchase agreement, loan agreement or placement agreement relating to the sale or placement of any Securities, any sale or transfer agreement, servicing agreement, pooling and servicing agreement, trust agreement, purchase agreement, line of credit, administration agreement, custodial agreement, insurance agreement or any other agreement which may be required or advisable to effect the purchase, sale, administration or servicing of the Receivables and other Credit Account Assets or the issuance and sale of any Securities ( each, a Securitization Agreement ), and to perform its obligations under each Securitization Agreement to which it is a party ; ( vii ) to establish any reserve account, spread account or other credit or cash flow enhancement for the benefit of Securities issued by the Company or any Issuer and to loan, transfer or otherwise invest any proceeds from Receivables and other Credit Account Assets and any other income as determined by the Managers ; ( viii ) to purchase financial guaranty insurance policies for the benefit of any Security issued by the Company or any Issuer ; ( ix ) to enter into any interest rate or basis swap, cap, floor or collar agreements, currency exchange agreements or similar hedging transactions relating to any Receivables and other Credit Account Assets or for the benefit of any Security ; ( x ) to prepare, execute and file with the Securities and Exchange Commission any documents, including without limitation registration statements, including a prospectus and forms of prospectus supplements, amendments to registration statements, Forms 8-K, Forms 10-K, Forms 10-D, Forms ABS-15G, annual reports, letters or agreements, relating to Securities to be issued on a delayed or continuous basis and to register and qualify any Securities under the XXXX XXXX laws of any state or jurisdiction ; 16 C.F.R. 433 the Federal Trade Commissions Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses, 16 C.F.R. 433, commonly known as the Holder Rule. Specifically, you ask the Commission to affirm that the Holder Rule 1 does not limit a consumers right to an affirmative recovery to circumstances where the consumer can legally rescind the transaction or where the goods or services sold to the consumer are worthless As I stated in my first letter, I XXXX XXXX XXXX revoke the Security Interest in ALL four of my certificates of indebtedness I gave Synchrony Bank unaware. According to CFPB The Equal Credit Opportunity Act ( ECOA ), implemented by Regulation B, makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction on the basis of race, XXXX, religion, national origin, XXXX ( including XXXX orientation and gender identity ), marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.1 ECOA and Regulation B require that, when taking adverse action against an applicant, a creditor must provide the applicant with a statement of reasons for the action taken.2 This statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action3 ; moreover, the specific reasons disclosed must relate to and accurately describe the factors actually considered or scored by a creditor.4 Adverse action notice requirements promote fairness and equal opportunity for consumers engaged in credit transactions, by serving as a tool to prevent and identify discrimination through the requirement that creditors must affirmatively explain their decisions. Adverse Action was taken against me After I had signed a credit agreement for a specific amount of money, then reduced to another amount several months later. Again, Synchrony Bank has another certificate of indebtedness from me, however, claims to state my " creditworthiness? Is this real? All securities are backed by the Full Faith and Credit of the United States and my certificates of indebtedness guaranteed Synchrony Bank my signature was profitable. ALL FOUR Synchrony Bank Credit Card Accounts, have continuously been lowered " after a review of my credit report '' however, why are they allowed to continuously check my credit report, causing another inquiry thus being another reason for lowering my credit score? According to the 10k form from Synchrony Bank, they have securitized my contracts without my knowledge or approval and they have the audacity to lower my credit limits? Moving forward, I OPT OUT TO ALL PERSONAL AND TRANSACTIONAL Information exposed on my credit reporting accounts. I will attach my original letters from XX/XX/XXXX. Maybe someone will read it and reply. I will attach my proof of service for each person I reached out to, as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35007
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: 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: Made a purchase from amazon on XXXX XXXX for XXXX so one three items showed up and the foruth went missing after the driver claimed he delievered it but the delivery photo below you can see that only a case was delivered and the computer wasnt. so the other three items i have returned those items and still i have tracking and proof from the site that thye got those items but the computer even thou they claimed got delivered wasnt and their own photo proves that.They have lied to me for month and half now and told me that they wont help me and i shouldnt call them back or email even took it a step more and close my account for calling about it. i was mistreated and dragged by the company employees who literally told me go do something better with your time and hang up like this is crazy what i been through. So i disputed it with my credit card and over a month now i havent got a temporary credit or update and i have submitted even faxed proof that i am gon na upload here for you guys i really need a solution as am being charged and mistreated even bullied by this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
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: 2024-01-01
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 issue with the payment over Synchrony ( TJMaxx ) and PayPal continues, since I could not get any email answer over my missed transaction. I am not sure whether the transaction was cancelled or not, since I found out the charges of same amount on the same day, which was XX/XX/XXXX. And I found out that second 'authorized ' transaction after I had the chat conversation. I want to know whether this chat representative added this charge {$58.00} while we had the chat conversation, since she could check the transaction history, and stating these two transactions would be void. Can you imagine this frustration, irritation, and anger, since it just started to know whether the transaction of original order ( XXXX order # XXXX ) was cancelled without consent of mine? Where is the human right of consent over credit card/online payment system in the United States ? Especially, I ordered this multi-box XXXX XXXX XXXX XXXX to make sure enough ink to finish the paper works to proper file to the District Court in XXXX, NJ. This document of file was sent from the Clerk, and I finished it with difficulty since I did not know what it was. Therefore, I must have the right to ask the repayment of all costs including the postage, paper, ink, envelop, pen, tapes, clips, and other necessary shipping and filing costs, along with human cost ; that mean the hour payment to file these disgusting cases and disputes over XXXX cases less than half year of XXXX. I attach the added part of the letter to XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have an issue with the charge of a credit card, which transacted through PayPal payment system. Even though I am not sure whether your company online payment system has had the serious issue or not, which caused the delay of transaction system more than XXXX hours and cancelled my transaction without consent, I included all process to file the complaint to Consumer Financial Protection Bureau to express my concern, frustration, and anger over my missed product of your company without any explanation and answer over email, which I am supposed to receive as a right of consumer. I add all starting letter below to indicate the issue with Synchrony.com.
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: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent Sychrony Bank a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and XXXX Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was four years old and had an address on it that I had not lived at for seven years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX XXXX XXXX hired XXXX XXXX XXXX XXXX XXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX XXXX XXXX by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXX bank was the company that issued the credit cards for these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I reported my card stolen to Synchrony Bank last year. Because I didn't have my card I could not access my account information. I repeatedly reached out to get information and have a new card sent. They claimed a card was sent out but I never received it and I mentioned this to them. I was unable to access my account. In addition, this company makes it purposely difficult to access their system. Even now, I just received my new card and I still can not access my information to even review. I contacted the company today and they say I need to call back tomorrow, which will be XXXX XXXX XXXX and I doubt that I will be able to reach anyone. There was a promotional balance that ended recently that allowed approximately {$6000.00} in interest to be debited to my account. Had I been able to access my account I would have seen that the promotion was getting ready to expire and pay it off before it happened. I don't think this is fair and I get the feeling that this is an intentional scheme. A while back I had another promotional balance that was nearing its end. I had automatic payments set up and I had it timed to pay off the balance the month that the balance was set to expire. I made an additional payment knowing that the automatic payment would pay off the entire balance before the promotion ended. Instead, this company cancelled the automatic payment that was set up and the {$200.00} in interest fees hit my account. I reached out to them and they said it was intentionally cancelled because I had already made a payment. They then proceeded to ask condescending questions like " why would I make a payment if I already had an automatic payment set up? ".
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I noticed on my credit report that my Lowe 's credit card was closed. I called Lowe 's customer service to inquire on why was the account closed and who closed the account? I was informed by the customer service agent that the account was closed on XX/XX/XXXX, due to an increased credit history. I didn't understand why the account was closed due to a {$0.00} balance with Lowe 's and never being late with any Lowe 's credit card payment. All balances were paid within 30 days.The closing of the account was reported to two credit reporting agencies before I was notified. There is no mention in the Lowe 's Consumers Credit Financing information enclosed with my credit card, or billing statements that I would be judged during the holiday season on other high credit card balances. The closing of the Lowe 's credit card decreased my credit score. I was informed by the agent that I will be receiving a letter in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48433
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A