Date Received: 2022-07-11
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: Opened a credit account with Synchrony Bank through Discount tire on XX/XX/2022 with a a balance of {$1000.00}. Made 1st 2 payments of $ XXXX, well above minimum payments. 2nd payment was a few days late of due date. 3rd & final payment in XXXX the due date was on a Sunday, I paid on a Monday. Was notified of another late charge. I called and had the late charge removed and was informed by the company representative that my balance is XXXX. XX/XX/XXXX, I am notified that my account has been reported as delinquent regarding {$11.00} fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
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 feel what has happened is when they put it into their computer they used the same reference number each one for {$5000.00} not seeing their mistake they billed me twice they billed me on XX/XX/2022 and then again on XX/XX/2022 by using the same reference number and dates to come up with this {$10000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
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 disputed a charge on my account dated XX/XX/XXXX and to this date I have not received a provisional credit or has the matter been resolved within two billing cycles as required by Federal Law. The merchandise was a coin that I ordered online but never received. I attempted to resolve the matter with the merchant but the merchant did not comply. I then timely filed my dispute with Synchrony bank. The bank has utterly failed to follow federal law regarding my dispute. On XXXX I called the bank and spoke to XXXX. She said the dispute was closed but would reopen it. On XXXX I called again and spoke to XXXX XXXX operator XXXX ) and was told the dispute was closed but would reopen it. On XXXX I finally received a letter stating the bank was reviewing my complaint. Note : Per Federal law the dispute should have been resolved by this date. I had disputed the charge on XX/XX/XXXX. On XXXX I received another letter from the bank stating a provisional credit of {$3400.00} was issued to my card. NO CREDIT WAS RECEIVED. On XXXX I called the bank and spoke to XXXX ( operator id XXXX ). I was promised a conditional credit. Again no credit has been received to this date. The bank has violated every Fair Credit Billing Act law in existence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. SYNCB/TJXDC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
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've attached a copy of the police report regarding the incident, but I would also like an investigation launched into the negligent behavior at the hands of Synchrony. My ex husband fraudulantly opened two credit cards without my knowledge under my name/social a couple months prior to myself filling for divorce. During the divorce proceedings, he told me that I was simply an authorized user, and he would remove me from the cards once they were paid off. I had no reason to doubt this, seeing as I had never received any correspondence from Synchrony regarding the Ashley Furniture or Mattress Firm accounts, by mail, telephone or email. I never received any financial billing statements related to purchases made on the account, nor did I have any access to any related information. My divorce was finalized in XX/XX/XXXX, and I thought nothing of the accounts going forward as I was alluded into believing that I was just an authorized user as outlined by the attached police report. Around XX/XX/XXXX, I was checking my credit report, and I noticed these balances had increased, at which point I directly contacted Synchrony Bank via providing my social security number, and I was informed that both accounts were listed as me as the primary, with my ex husband being an authorized user on the Ashley Furniture card. At this point, I demanded that he stopped making purchases on the cards, and pay them off. In my attempt to keep things amicable due to his poor health, he made the payments on the accounts till around XXXX, which I could see on my credit report. At this time I contacted Synchrony and asked them to put a freeze on any further purchases being made, as my ex husband had assured me that he would be paying off the cards shortly. I made the representative aware of the situation, and I was assured that he would not be able to make any further purchases without my permission. Moving forward towards the end of XXXX, I saw on my credit report that the Ashley Furniture Credit Card had been maxed out. My ex husband told me that he had paid the accounts off, to which I called Synchrony to confirm. After I was assured the balances were XXXX, I closed both accounts. A short time after, I saw the balance reappear on my credit report, and I contacted synchrony and was information that the payment bounced. Nearly 60 % of the balance on the fraudulently opened accounts, was a direct result of the negligence behavior which allowed my ex husband to make additional purchases despite me requesting a freeze on further purchases with my social security. Even still, despite talking to many representatives, they have refused to disclose information regarding my phone calls, deliveries of the merchandise purchased fraudulently, and addresses that the purchases were delivered to. Synchrony has informed me that their own fraudulant investigation concluded no results, to which I subsequently filed a police report concerning the matter. In my experience, I continue to be gaslighted by representatives and their inability to provide me information concerning accounts that were fraudulently opened using my social security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Advertising
Subissue: Confusing or misleading advertising about the card
Consumer Complaint: This is a report about a XXXX XXXX that I was approved for on XX/XX/2022. To date ( XX/XX/2022 ) I haven't even received the card yet but I got an email what looks like a message from XXXX, " Thanking me for my XXXX purchase with this credit card '' and it hasn't even been used yet. It wanted me to click a link to make sure I received my rewards.whic I DIDN'T do. None of your pre-screening data had this as a choice but after speaking to an XXXX agent he said I needed to report/forward the message to XXXX and your site. I quit using credit cards over 25 years ago but needed one to help drop the price of my truck insurance where they use credit scores to adjust your rates now. That makes no since to me but I want get into that here. I get alerts all the time about how someone stole a bunch of personal contact info and they want me to change my password. Millions of peoples persons had there information stole from a company and they want me to change my password? Sounds like a little work on their end needs work. It's never bothered me because nothing I have is worth stealing until now, when I have a credit card..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They keep calling me frequently about 34 times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: go back on XX/XX/2019 I sent my XX/XX/XXXX payment due of {$60.00} min due to be credited to my account ending in XXXX PayPal Credit is the Creditor. but Pay Paly Credit never applied my payment I called on XXXX of 2019 to make a dispute over the phone buy they did not help me they told me they need me to get proof of such payment so instead of they investigate my missed payment they asked me to me to do so,,,, so iI order a copy to XXXX I received proof of payment it was deposited into Pat pal checking business CORPORATION BANK account Iam attaching proof of my payment was never credited into my pay pal account they reported lates since then on XX/XX/2019 and more lates during the past 3 years I am having difficulties getting jobs positions since they damage my Credit becaiuse they reported lates in my 3 Credit bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My credit score dropped XXXX points ( XXXX down to XXXX XXXX ) due to my Amazon credit card. I purchased an {$800.00} air conditioner to be paid off over the course of 12 months interest free. The shipping company could not get me the AC in a timely manner, so I cancelled the order and was refunded the full amount back the credit card. XXXX XXXX says the score dropped because I spent too much money on the card. This does not take into account what the item was or even that the amount was refunded. This is outrageous. I didn't buy {$800.00} worth of candy bars and shoes. I purchased this item XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38930
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was solicited by mail by Synchrony Bank to open a XXXX. Terms say on envelope and on enclosed document if I purchase {$1000.00} with the card within 3 months I would get a statement credit of {$100.00}. I purchased approximately {$1600.00} within the first couple of weeks after I received the card. The bill came via email to pay online. When I looked at the statement there was no {$100.00} credit which is usual for other cards I have which gave similar incentives. I did pay the bill in full. I called the company and was told by a representative that I would not receive the {$100.00} until 5 MONTHS from now. That the 3 month period would have to pass and then it would take 1-2 months to process the credit. He claims this is what their terms say. It does not. It says credit applied within 3 billing cycles. Well, this is within 3 billing cycles. Not much of an incentive to use the card any more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A