Date Received: 2022-07-14
Issue: Problem when making payments
Subissue:
Consumer Complaint: For hearing aids allegro credit/Synchrony bank. They took my first payment from my XXXX XXXX XXXX account in XXXX. I returned the hearing aids/never picked them up. Made sure I got the return to XXXX XXXX. Allegro told me at least 5 times that my check is on its way. I have not received anything from them. Allegro phone : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a XXXX account with Syncb Bank which was comprised with all my accounts with Syncb accounts at that time and it shows on the Syncb bank that I missed two payments but I was unable to go online and correct them. I would appreciate you guys contacting them and helping me fix this on my credit report. I am being treated unfair and unjust by this corporate conglomerate. Thank you for any help you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The due date for payments is the XXXX of the month. For the billing period ending XXXX a payment was made on XX/XX/XXXX. Then on XX/XX/XXXX the online app showed a payment due XX/XX/XXXX. A payment was made on XX/XX/XXXX for the XXXX due date. Synchrony then applied that payment to the previous billing period and on XXXX jot me with a {$30.00} late fee for not making a payment by XX/XX/XXXX, even though it was made XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was making a purchase at Banana Republic Factory in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing Banana Republic credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call Synchrony Bank ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( Banana Republic under Synchrony Bank ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. I have attempted to file this incident with XXXX, XXXX, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second Banana Republic credit card that I did not authorized and was defrauded by the company to open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
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 XXXX an XXXX XXXX item # XXXX purchased online from Lowes with a Lowes credit card was to be delivered to my address on XXXX. As of this date no umbrella was delivered. Lowes was notified on XXXX. The XXXXt XXXX Lowes store manager was left a message, but no return phone call was received. A third party delivery company XXXX was found to have NOT delivered the XXXX and closed the delivery ticket out. A call to XXXX on XXXX ( Spoke with XXXX ) found that the delivery was not made, the XXXX was at the terminal, and was awaiting a new ticket for redelivery. XXXX reached out to Lowes several times for a redelivery ticket which was never issued. The XXXX was was then returned to the XXXX XXXX store by XXXX. Several correspondence have transpired. I have all supporting documentation listed by date. I was able to contact Lowes corperate on XXXX @ XXXX ( XXXX XXXX. A XXXX case # XXXX was given. The account was credited the full outstanding amount and another XXXX was ordered and paid in full the same day. One month later, the account was then charged the original disputed charge, that had just been credited. I have attempted to contact Lowes XXXX XXXX store several time. I placed the credit card in dispute. Contacted Lowes corperate. This issue is still outstanding. Awaiting a response " XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There seems to be an error on my consumer report furnished by Synchrony bank/ Brandsmart XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that Synchrony Bank/ Brandsmart is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and Congress has stated there shouldn't be any late payments? Is synchrony bank attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has synchrony bank has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX, PAYPAL, SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a 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: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
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: tried to cancel an order and amazon asked seller to do so, the seller refused, so Amazon told me to dispute the order, NOW amazon said they cant help because I disputed shipper showed ship item on XX/XX/2022 item was not shipped until today and because Amazon told me to dispute the item they can not help Hello, We've been contacted by a customer regarding the order identified below. -- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : Reason : Where's My Stuff? Details : Hello, We've been contacted by a customer regarding the order identified below. -- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collect Reason : refund. Details : there is a chargeback if a refund is submitted a chargedback will be take off. Please research the issue and contact the customer. -- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com ( http XXXX //www.amazon.com/ ) -- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to pay off my credit card balance on XX/XX/2022. When I logged on to make the payment, several payment types were offered to me. I chose a payment type that was displayed as " express processing ''. The amount of my payment was immediately deducted from my available checking account balance. I logged out and back in to the creditor 's website several times and showed no indication of a pending payment or payment made. I waited XXXX hours and called the creditor on XX/XX/XXXX to question why my payment wasn't at least showing 'pending '. The operator put me on hold several times over the course of XXXX hours and finally 'found ' the payment. The creditor sent me an email on XX/XX/2022 showing a payment posted date of XX/XX/2022. Today, on XX/XX/XXXX, I still do not have access to the available credit, but the creditor is showing FULL, not pending, application of the payment as of XX/XX/2022. I called the creditor to find out what is going on and they are telling me it will not be until XX/XX/2022 that I will have access to use my card. Today and tomorrow are the days I want to use the card, as it is specifically an Amazon Prime Card- and today and tomorrow are the once annual " XXXX XXXX XXXX ''. I asked the creditor over the phone if they will be paying me interest while holding on to my money. They indicated they will not be. I think their practices are deceptive and unfair. I made the so-called 'express payment ' a full week before I needed it, so it should be available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A