Date Received: 2022-07-30
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: I purchased a second refrigerator from Lowes using a Lowes credit card. When the refrigerator came the delivery men noticed it was damaged so they took it back to the distribution center. I received a call saying they received the damaged refrigerator and someone would call me later to discuss ordering a replacement. I never received a call. Due to all of The problems I had with Lowes with this second order and the first order where my new floors were damaged at delivery, I decided to purchase a refrigerator from another merchant. The next day I received an email from Lowes that they had ordered another refrigerator ( this is a third order ). This was without my approval and knowledge. I cancelled that order via email immediately. I expected the return for the damaged refrigerator to be applied to my original form of payment - the Lowes credit card. When I checked my credit card balance the refrigerator purchase was still on my account. I called Lowes customer service and they said the damaged refrigerator was returned to a merchandise card and the third refrigerator was ordered with a merchandise card and that they can not apply the return back to my Lowes card. They insisted on sending me a merchandise card. I told them I did not agree for the return to be applied to a merchandise card and that I wanted the return applied to the original form of payment that I agreed to - the Lowes credit card. I also told them I did not agree or have any knowledge that the employee ordered a third refrigerator with a merchandise card. I have called several times and wrote several emails trying to resolve the matter. I spoke to XXXX on XX/XX/22 at Corporate- she insisted that she can only provide a merchandise card and is not able to apply the return to the credit card that I used to make the purchase. She also said she would let the fraud department know about the unauthorized purchase of the third refrigerator. I spoke to XXXX at Corporate on XX/XX/22 and he said there is nothing he can do I have to accept the merchandise card and they are not able to apply the return to my Lowes card. I let him know I did not agree or have any knowledge that the employee issued the return to a merchandise card and then ordered another refrigerator with a merchandise card. He basically hung up on me. I spoke to XXXX and XXXX with corporate on XX/XX/22 -they said the same thing and said I can take the merchandise card to a Lowes store get a cash out and then put the funds back to the credit card. I asked for information regarding the fraud case with the unauthorized purchase of the third refrigerator using the merchandise card and XXXX and XXXX refused to give me any Information. I looked at the Lowes return policy and it said that a return within the required time and with a receipt goes back to the original form of payment. They did not follow their own policy and forced a merchandise card on me when I asked several times to apply the return back to the Lowes credit card. I received a merchandise card from Lowes yesterday XX/XX/22. I am going to take it to the store and ask for a cash out per XXXX and XXXX with Lowes corporate. I am going to take the funds from the cash out and apply it to the Lowes credit card. This is very very poor customer service and I feel taken advantage of by this Retail Corporation. As a consumer I have rights and I felt like the employees of Lowes did not care about the Law or my rights and just did whatever they wanted to and I will never do business with Lowes again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was checking my credit report and noticed the company Synchrony Bank decreased my credit limit. This adversely affected my credit score by diminishing it by 3 points at both XXXX and XXXX. According to their terms " Credit Limit. You will be assigned a credit limit on your account that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit '' they do not notify you of such action and the reason for the action. I received no notification whatsoever, other than marketing offers emailed to shop with offers such as 6 months SAC, and this was AFTER the action of lowering my credit limit. I find this interesting when my credit score is in the 800 range. The only thing I could imagine is that my account has not been used in a year, as they do not offer anything apppealing to purchase at this time. Is that my fault they offer XXXX merchandise at inflated prices? I have since taken the action to close my account so that it does not appear like I am some deadbeat who didn't pay their bill and lost the credit line. Synchrony 's ADVERSE ACTION has now possibly cost me the advantage to getting good rates if I should decide to make a real estate purchase or make a car or other loan. This has got to stop. They have, under Regulation V, the permissable purpose to review accounts AND the credit score of the account holder by making a soft inquiry, as a regular credit risk review of all accounts. Why did they not exercise this soft credit review? Had they done so they would have seen my impeccable credit history and score. I find this action an attack on me, the consumer, to denegrade my credit ability which I have painstakingly built over the years, and a real kick in the XXXX for all the many purchases I have made at QVC for over 30 years. They have lost me as a credit card customer and as a purchasing QVC customer. I will spend XXXX dollars ar QVC and wil ensure that everyone I know hears how both Synchrony ( Formerly GE credit ) and QVC " values '' their customer. I have other credit cards with Synchrony and those will be replaced post haste, as there are other credit card companies who are more than happy to have good customers, and will provide better service. Since I always pay my statement balances in full, they were probably XXXX hurt they get, nor have ever gotten finance charges paid to them by me. Trying to resolve the issue, and question the reason for the action is a " XXXX by a XXXX IVR number optons '' that never get you to a real customer service representative, but instead runs you all around the tree for 20 minutes, so that when you finally get the option and are in line waiting, the phone muzac stops and the line goes dead. You are never sent to a real person to discuss your concern. The online chat is a BOT, that is triggered by word algorithims, so that doesn't get you any answers either, but lucky me, I get promted to do a survey when I stop the chat, that is structured to make me feel like I made a difference, but no one really sees or cares about it. It is a mental psyop. I would like the CFPB to investigate and make it a regular part of the examination process to stop this practice of lowering credit limits arbitrarily, without prior warning, and in so doing damaging the credit reputation of the consumer. The credit card companies should be doing regular credit reviews under Regulation V, soft reviews of credit bureaus to determine if the action is appropriate, which would still allow for them to mitigate their credit risk. We have regulatory compliance in place, I suggest you make sure these institutions are using it appropriately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX I had been paying on my XXXX XXXX Synchrony Bank ) XXXX XXXX account on time every month and I was noticing that my balance wasnt really going down. I did a deeper dive and I saw that XXXX had been charging me a monthly Card Security Fee that I did not authorize. I called and I spoke with the customer service representative and told her that I wanted a full refund of the Card Security fee that I had unknowingly been paying. I also told her that I wanted to cancel the Card Security Fee service. I told her that I did not recall signing a Card Security agreement. She said that it was over the phone. I asked if there was a recording or signature and she told me no and proceeded to talk about some sort of policy. She said that I agreed to it back in XXXX, in which I do not recall. I asked the representative how much Ive paid since enrolling in XXXX. She responded by saying Whats on my screen, is the past 12 months. I asked for the total payment past 12 months. She responded with the same thing. I asked if she was capable of looking at the total amount paid beyond the past 12 months and she said No. I as a customer should be given an honest answer when asking how much money Ive been paying on my account. I didnt know that companies could withhold information on what has been paid to them by the account holder. The representative offered me a Card Security Fee refund for the last 6 months payments. I declined and told her that I wanted the full amount of what I paid in which she refused to tell me. The representative then offered me a Card Security Fee refund for the last 12 months payments. I declined and told her that I wanted the full amount and if I cant get the full amount, I wanted to escalate it. I asked to speak to a manager and the representative put me on a hold. Long story short, conveniently, the manger wasnt available and she stated that the manager would give me a call within XXXX business day. She then said another employee would contact me in 3-5 business days. She proceeded to wrap up saying that she processed the Card Security refund for the amount of the last 12 months. I told her that I didnt authorize the refund because it wasnt the full amount as requested. She then told me it was too late and in order to escalate it to management that she had to process the refund and couldnt cancel it. I told her that I didnt want this processed and I wanted to escalate it once more. She said that I would have to talk to another employee once they called me. The XXXX representative was trying to hurry up and process the transaction to say that she gave me what I asked for. The next week, I didnt receive any phone correspondence from XXXX nor was my request/complaint acknowledged or attempted to be resolved. XXXX sent me a letter dated XX/XX/XXXX and said that they refunded me ( {$540.00} ). I looked at my account and it was credited ( {$540.00} ), which I didnt authorize. My request was for a full refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I got robbed and they took my wallet with my social security card and credit card now they are using it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been sued by Synchrony Bank for {$8000.00} dollars XXXXt County Magistrate Court Case Number XXXX for credit card debt. I dont dispute that I owned this credit card, but I dispute the amount claimed by them. I did not have a chance to verify this debt as per FDCPA. I did not get a demand letter, no help Pandemic when my husband lost job and went through the toughest economic crisis of our life. I filed a complaint against XXXX XXXX XXXX because at some point on of the attorney indicted, they represent XXXX XXXX, I am very confused I dont know what do please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020 I spoke to a synchrony agent to make a payment in the amount of {$530.00}. I was informed and confirmed this payment would bring my SynchronyXXXX XXXX account to a XXXX balance and paid in full. I requested the account closed at that time. I recently applied for credit and was told that I had a {$21.00} charge off on my credit report. I spent more than an hour and half on the phone with synchrony to get this issue resolved today only to learn they charged me a {$21.00} interest charge after the {$530.00} payment was made and only offered to look into it. I spoke to XXXX who transferred me to XXXX which transferred me to XXXX which sent me to the manager XXXX who was little to know help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Synchrony Bank XXXX XXXX XXXX FL XXXX TJX Rewards Platinum Mastercard XXXX XXXX XXXX GA XXXX I made a purchase at a XXXX XXXX XXXX On XXXX. They convinced me to get this credit card to get a big discount for this purchase and future purchases. I planed on paying cash anyway so I new I would pay it off as soon as I got the bill. However, I didn't get the bill until after their due date which already included a late fee!! This was on XXXX so I called immediately and they removed the late fee. I complained about this fraudulent practice and cancelled this card right then. I paid the balance in full that same day as well so there would be a XXXX balance. Then I received another bill for interest of {$13.00} dated XXXX despite the bill being paid within 30 days of purchase! The woman I spoke to closed this account but didn't tell me that I would be charged interest otherwise I would have demanded that be removed as well. I verify every bill I pay so I was able to protect myself. I am turning to you to make sure this company gets investigated and stopped immediately. IT IS CLEAR TO ME THAT THIS BANK/COMPANY ENGAGES IN FRAUDULENT BILLING PRACTICES FOR PROFIT. PLEASE STOP THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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 have used synchrony bank because it is tied to a card through XXXX they offered years back. Supposedly they have an internal or third party deal with a company called card security which essentially is automatically enrolled in a shady way when I signed up. After 7-8 years I just have come to realization they have charged me over a XXXX dollars possibly thousands of dollars for a service I never wanted or agreed to with a concious awareness. I called card security and they refuse to refund any charges past a year ago. Synchrony bank seems to work with them but will NOT dispute any of the charges and tells me to call them and they can not do anything. Card security says this is a final decision and will not offer me refund of the thousands they literally stole and charged me. I hope to find relief in your solutions and also this must be happening to millions that use the card. The company is a scam loophole it seems in the system ( card security ) and synchrony bank dosent seem better for working with them. Unfortunately this is the first time Ive ever had to reach out externally from a credit card company due to them not helping me recover the charges through disputes. Neither will cooperate. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX Referencing the above CFPB case numbers, this is proof that Rooms to Go/Synchrony is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with Rooms to Go and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from XXXX on behalf of Rooms to Go.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A