Date Received: 2022-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/22 and XX/XX/22 both for lowes credit i did not apply for credit there lowes said nothing they can do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Pulled credit placed credit inquiries on credit reports I didnt apply for credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ran credit placed credit inquiries on credit reports I didnt apply for credit with company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Previously held a CareCredit account, but the account was closed due to inactivity. Applied for a new CareCredit account, as a dental procedure was scheduled within 4 days. After applying was instructed to contact via telephone. Contacted via phone and was advised to visit XXXX to verify my identity via biometrics. At no point was I informed that the application was denied or might've been denied prior to conducting the identity verification. At the time was uncomfortable providing biometric information, but proceeded with the process after speaking with someone who informed me of the length of time it would take to complete the process via mail. Upon completion of the on-line identity verification process, was informed that I would receive a letter in the mail in 7-10 business days. No further information was provided. Given that I had just uploaded photo documentation including my driver 's license and license bar code, I was dissatisfied with the response provided online. Only after I called back, was I informed that my application was denied. No further information was provided related to the adverse action. My complaint centers around the fact that, given the company already pulled my credit report and obtained information related to my application, said company should have had sufficient information to make the denial decision prior to the requirement to complete the identification process. Given that I am not aware of the reason for the decline, I am not filing this complaint because my application was declined, but because of the cumbersomeness of the process for the identification and the vagueness related to how the company uses the biometric information provided to them. Had I been an older individual or possibly an individual with XXXX, how would the company have accommodated me if I had not had access to the verification website? Given the other verification method... waiting for documents to be mailed or obtaining the documents via email, then printing said documents, then having the documents notarized, I'm not sure how accessible the credit product is, especially given it was going to be used for a dental procedure, which typically isn't something that is planned in advance. Disclosure should be provided to an applicant that going through the verification process may still result in the denial of the credit application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23061
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank used an unethical practice to charge me a late fee and potentially end an interest-free promotion. My credit card with Synchrony was being auto-paid directly from my checking account. Last month, Synchrony did not deduct my payment and I did not notice it. This month I got a bill showing a missed payment and a late fee. I called them, and they said I had been unenrolled from autopay. I asked why, but the agent was never able to explain what happened. I demanded that they remove the late fee and any record of late payment from my account, which they did. If I had not caught this, it could have potentially wiped out my interest-free promotion and I would've been charged the full rate of 27 %. This is one of Synchronys many predatory and unethical practices. I will never use them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am owed a refund of {$250.00} and I have not received the check. They say they have sent 3 times and it never arrives. I asked for them to send a trackable method and they refused. I asked for it to be sent electronically to my account and they refused. Need this resolved, been going since XX/XX/202XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76033
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted SYNCB/PPC via phone and fax about this account. I have asked them to send me something with my signature on it. I have sent them old police reports etc. THEY refuse to remove this. They have sent this to some collection company. THIS IS BAD. THEY ARE BREAKING LAWS. ' I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I was hoping to receive some assistance in regards to an online credit card application completed in XX/XX/2022 for the Synchrony XXXX XXXX through Conn 's XXXXXXXX XXXX. The online prequalification link advised of my approval for a card with a {$3000.00} credit line. upon submitting, I called the appropriate number with the reference number. Please see attached letter showing the system denied due to a " previous application approved ''. I did apply for the same card in XX/XX/2022 and closed it voluntarily during the same month due to the fact that I did not need it for the purchase. Can you please look into the system glitch and have the card processed?
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: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/22, an automatic payment was made to my Amazon Credit Card maintained by Synchrony Financial in excess of {$7000.00} ; normally the payment to this account is under {$1500.00} so I was not expecting this large an amount and my checking account was overdrawn. I contacted both my credit union ( XXXX ) and Synchrony Bank to determine how best to resolve this situation ; I was more than able to make a payment for this account but needed to promptly deal with being overdrafted by almost {$3000.00}. I had hoped that Synchrony could return some of this payment electronically, but they indicated they could only do this by sending me a check which would take more than a week. The person I was speaking with at Synchrony told me to contact my bank to have the payment reversed. At this time, I was unable to make a payment from my checking account since it was still over drafted, so I added the account information from my XXXX XXXX account in order to make a payment on the account as quickly as possible. Several days later, however, this payment attempt showed as having failed ( Synchrony has not provided any details as to why ) ; by this time ( XX/XX/22 ), I was able to make a payment from my checking account. I found out over a month later this account had been closed. The agent I spoke with ( XX/XX/22, XXXX ) said it was because of two returned payments. I pointed out the I returned the payment based on the recommendation of the bank, and the second payment was not returned since she indicated it could not be processed ( " splitting hairs '' according to the agent ). When I asked her who I needed to speak with to correct this, she said anyone attempting to re-instate my account would be fired. At the very worst, I was ten ( 10 ) days late in making my payment, and this for an account that had never had a late payment. Closing my account because of an oversight on my part- which I promptly corrected - and an error which Synchrony can not explain or provide specifics how it would impact my account, is an unreasonable reaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
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: On XX/XX/XXXX, I purchased an upright frost-free freezer from my local Lowe 's store in the amount of {$1000.00} ( deferred interest promotion expiration date XX/XX/XXXX ). The expected delivery date was XX/XX/XXXX. I received a call prior to delivery from my local Lowe 's store indicating the item was damaged in transit and a new freezer will need to be ordered. The revised delivery date was XX/XX/XXXX. To ensure smooth delivery, I called my local store and " XXXX '' number listed via XXXX to confirm delivery. Confirmation of delivery was received. On XX/XX/XXXX, the freezer did not arrive nor did I receive a call indicating the same. As a result, I called the delivery department and was told they did not have my delivery on file for that date. Subsequently, I called the local store and was informed that they could not locate where the freezer was located. The item was lost and unable to be tracked. The manager informed me that I could return to the store to receive a full refund. The refund was processed on XX/XX/XXXX. On XX/XX/XXXX, I traveled to another Lowe 's store to purchase an upright freezer because I was in need of the item. A purchase was made in the amount of {$1000.00} ( deferred interest promotion expiration date XX/XX/XXXX ). This item arrived as expected. Subsequently, I discovered the first promo still remained on my account ( customers are advised to wait 1-2 billing statements ). Lowe 's applied the refund towards my general purchases balance and not the promotional purchase which is where it should've gone. As such, payments I thought I was making towards the {$1000.00} promotion went towards the {$1000.00} promotion instead. Money was applied towards a purchase I NEVER received. As of date, my account still reflects TWO promotions although I am in receipt of only ONE upright freezer. I questioned the company as to why a refund was applied towards the general balance and not the promotion. The representative instructed me that this is BETTER because my general balance is lower. How is having TWO promotions with expiration dates in close proximity better? How is paying for an item I NEVER received better? How could risking not paying {$2100.00} IN FULL by the respective expiration dates better? Interest will be compound from the initial date of purchase if not paid in full by the expiration date. That is not what I signed and contracted for. I agreed to a deferred interest promotion. Not a general non-promotional purchase. I promptly requested the representative correctly allocate the refund towards the promotion of {$1000.00} because payments that I've been making were going to the incorrect promotion for an item I NEVER RECEIVED. As stated, Lowe 's damaged and subsequently lost the product. The allocation was supposed to be applied on XX/XX/XXXX. By doing so, the {$1000.00} balance should've zero out on my account and ALL payments reallocated towards the correct promotion of {$1000.00}. I have been dealing with this painful situation every month since XX/XX/XXXX. BOTH promotions still reflect on my account today. Monies paid continues to be applied towards the incorrect promotion. I've escalated this issue to managers to no avail. I am consistently told the payment would be reallocated towards the correct balance within 1-2 billing cycles. EVERY month I explain the same problem. EVERY month I'm given false information because BOTH promotions are still on my account. EVERY month I have to request another allocation. I was even told to disregard the statement because it's not correct. This is not acceptable! As of XX/XX/XXXX, I am still faced with the same problem. On XX/XX/XXXX, I was told by a representative that he could not allocate my payment correctly. Prior associates were not correctly allocating my payments and that I need to call back to request a supervisor make the correction. The department was currently closed. I've already spoken to a supervisor. Why are the employees of Lowe 's unable to correctly apply ALL payments towards the correct balance and zero out the incorrect balance so no future payments applied towards the incorrect purchase. To add insult to injury, the representative also refused to make the notation on the account as I requested. I made note of this refusal and the note the representative decided would be made on my account. The representative 's refusal and lack of regard truly showed how Lowe 's " value '' its customers. This situation should've been rectified in its entirety on XX/XX/XXXX. Now EVERY month I have to go through the headache of requesting my payments apply towards the correct promotional balance. This is absurd!!!! Lowe 's is preventing me from being a fully informed customer because I am unable to track via the bill my correct promotional balance and how much money is owed on the purchase in the amount of {$1000.00}. Monthly statements and my personal records do not coincide because payments are not correctly applied. EVERY month I am told to wait 1-2 billing cycles. Why do I have to continue to wait for Lowe 's to correct its error!!!!!! This has been a consistent issue since XX/XX/XXXX. We are beyond the 1-2 billing cycles threshold. I request Lowe 's refund my account in full in the amount of {$1000.00}. I request Lowe 's correctly apply this refund towards the promotional purchase balance and NOT the general purchases balance. I request Lowe 's remove the INCORRECT balance of {$1000.00} from my account in its entirety. I request Lowe 's allocate all payments made towards the CORRECT balance of {$1000.00}. Highly important, I request Lowe 's make the appropriate CORRECTIONS to my account expeditiously!!!!!!!!! As a long-time customer, I am irate and appalled by this horrendous situation. Added suggestions are as follows, I suggest Lowe 's work towards putting better risks and controls in place to mitigate these types of system errors, make efforts towards enhancing its technology as well as providing customers with clear statements. I suggest Lowe 's properly train respective employees on billing, payments, allocations, and most importantly customer service. Lastly, I suggest Lowe 's make efforts toward enhancing its key performance indicators. Understandably, these suggestions will take longer to cure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A