Date Received: 2022-07-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was interested in making a large purchase and was told through the companies chat feature on their website that the store could offer better promotional rates than the website or app on large purchases. On XX/XX/2022 I went to the Lowes store near me and made a purchase for {$2100.00}. The employee got on the phone with someone he said worked in the Lowes Credit area and that I would get XXXX months 0 % interest offer. I was told I would receive a letter indicating this. I have never received a letter. When my bill came it only said 6 months 0 % interest. I called and their phone line tells me to go online and chat, so I did. In the chat the employee said she could not fix, I would have to go to the store and ask them to fix or call XXXX. This seems very deceptive to me to make a customer call and chat with some many places. I feel they are trying to make it hard to deal with in hopes of XXXX you out of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX on my house was complete on XX/XX/XXXX, title company sent me checks to pay off credit cards, I got them on the XXXX of XXXX, sent them out on the XXXX of XXXX, XXXX XXXX I got phone call/text and email stating I missed a payment on my Sams Club Credit Card XXXX I call the customer service to ask about the {$2400.00} payment sent to the address they gave me, said they never got it. I call the title company and they tell me that the check had been cancelled for some reason and cut the new check, I got it on the XXXX of XXXX, sent it to Sams Club XXXX XXXX XXXX XXXX XXXX, Ga XXXX on the XXXX of XXXX XXXX priority with tracking number XXXX XXXX XXXX XXXX XXXX XXXX It shows it was delivered at XXXX on the XXXX of XXXX. it had my full name, address and last XXXX of the account number on it, still can't find it, please send a copy of the check and please put the full account number on it so we can try to find it, they say that they did not receive the fax, faxed again on the XXXX of XXXX, title company said it has not been processed yet and in all of this they hit me for missed payments and late fees, account balance was {$2300.00} when I sent the check for {$2400.00}, now with late fees and what ever else they charged me with, the balance is over the {$2400.00} I already sent it, they said to sent in another payment to get it caught while they look. This card is from Synchrony bank, along with my Care Credit card, they cashed the one for care credit, but it was not enough to pay it off and it had less info on the check then the one to Sams Club. Now if you go to their XXXX XXXX page, all the comments are negative and everyone is asking how can they do business like this and stay in business. Dispute was filed for the missing payment and was not suppose to late fee and what not, but guess what, it happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I believe I was discriminated against based on national origin, in violation of the " federal equal credit opportunity act violation '', by Synchrony bank when requesting an credit limit increase on my amazon store card. They refused to increase the limit past {$450.00}, and the reason they gave in their letter is " Insufficient experience at your current credit limit '', which doesn't make sense as I've had plenty of experience ( had the card for 3 years almost ), and all my other credit cards from other issuers have credit limits in the thousands. I've never had a late payment in any of my credit cards. My credit score is very good ( XXXX ), and my annual income is over {$150000.00} before taxes. A {$450.00} limit makes no sense and I believe it is because when I first came to the US for work, I had no credit score and the amazon store card was a secured card with a {$100.00} limit. There's some weird legacy in their system that I think does not allow them to give higher limits to people that started off with a {$100.00} limit, but I believe that is disciminatory towards people from other nations who come to the US without a credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I applied for a free XXXX card that isnt even a credit card it links to your debit card i was denied this card for no resin and have a hard inquiry on my report which is ruining my credit i want it REMOVED ASAP! and want my credit adjusted and the point are added to my score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18504
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am requesting the audit trail ( accounting, file, ledger and transactional history ) of the consumer credit transaction that occurred XX/XX/2020 notarized by an accountant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I asked this company to provide me with original contract with my wet signature because i notice this company on my credit profile but was unaware of this fraudulent account being on my consumer profile. Your company could not provide documentation of what i asked and this proved upon reasonable doubt that this was obtain fraudulently. I also reported this to the XXXX major bureaus. This company has 30 days to remove debt when they cant provide original contract. I am the only natural person that can validate or give consent of an obligation that you the debtor says i owe according to 15 USC federal law 1692 ( e ). this frqaudulent account has caused damages to me and my family and has obstacles for me to obtain credit, therefore making you the company liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15 USC 1692 ( k ) and has been filed in the XXXX district court. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
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 giftcard balance on my amazon.com account using my amazon.com store card, which is through Synchrony Bank. This is a credit card that can only be used at amazon.com. The amount of the giftcard balance purchased to be added to my amazon.com balance was {$800.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: In XXXX of XXXX, I received a letter from Synchrony PayPal stating they were closing my account and had NOT received payment for 3-4 months!! I knew this had to be a mistake my account was on AUTOPAY!!! And XXXX LATE OR INSUFFICIENT FUNDS! When I called Synchrony PayPal, ( on a recorded line ) the customer service rep said, You need to check with your bank, you probably dont have enough money in your account!! WOW! How can you assume or make a statement like that!?! Especially, when Ive NEVER been late on any accounts! I called my bank anyway ( to make sure ) since we did get hacked at the beginning of pandemic ( XX/XX/XXXX ). My bank verified there was no reason for payment to be rejected. My bank account had plenty to cover the bill. When I call PayPal back, I spoke to a representative who finally admits that PayPal had a glitch in their system. She advised me to login to my account and delete my payment information. Then wait a week and re-enter your payment information. I asked for a document of proof stating this happened. She said, yes of course, and I would receive the letter within 10 12 business days! I NEVER RECEIVED THAT LETTER!!!! Instead, I receive letters from Synchrony Bank to notify me of the accounts they closed or decreased the credit limits on. The accounts closed and limits decreased are : Rooms to Go the credit limit was {$3000.00}. They decreased it to {$1700.00} about {$10.00} over my balanced due causing it to be over the limit! Synchrony Home- {$4500.00} credit limit - {$0.00} Balance - closed with excellent payment history. Synchrony - Shaw Flooring - {$4500.00} credit limit {$0.00} Balance closed excellent payment history. Synchrony - Care Credit with {$2000.00} credit limit {$0.00} Balance closed with excellent payment history. After NOT receiving a letter, I called PayPal again, but this time the rep said, I havent heard of any Glitch in our system and needed to collect a payment!. I explained that I would NOT be making any payments unless this was fixed and all extra fees were removed. Plus, the accounts that were closed and credit limits decreased needed to be reversed. THIS HAS MADE A HUGE NEGATIVE IMPACT ON CREDIT! An investigation was done by Synchrony XXXX to see why this happened. The conclusion was that I was just NOT making payments! This is beyond frustrating! I was on AUTOPAY WITH PLENTY OF FUNDS IN MY ACCOUNT. THERE WAS NEVER AN OVERDRAFT CHARGE OR ANY STATEMENT BY MY BANK THAT IT WAS REJECTED! ( I will include bank statements. ) Synchrony Bank refuses to take ownership of the Glitch in their system and will NOT fix the damage theyve caused to all of these accounts! As a matter of fact, they reversed a late payment they removed saying after they investigated, it was due to NO PAYMENT! nothing else! This is NOT TRUE AT ALL!!! I WOULD BE HAPPY TO PAY SYNCHRONY BANK IF THEY FIXED THE DAMAGE DONE AND REMOVED ALL FEES ACCUMULATED FOR THIS GLITCH! And DAMAGE DONE TO MY CREDIT REPORT! UNFORTUNATELY, THEY WONT DO ANYTHING TO FIX THIS! THIS IS ABSOLUTELY RIDICULOUS! IM DEFINITELY NOT THE ONLY CUSTOMER OF THIS COMPANY THAT THIS HAPPENED TO. THE REVIEWS ON THEM STATE SIMILAR SITUATIONS QUITE OFTEN!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
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 received a mattress from XXXX that was bed bug infested. Order XXXX I set up a return and have the receipt from the ups driver with the tracking number. After waiting the amount of time XXXX told me to wait to see my credit, I called and have been calling since for XXXX years now! I was always told it was revived and the credit is either being processed or has processed and it takes time ti hit my credit card, which is my XXXX store credit card thats held through Synchrony bank. Finally in XXXX of XXXX after filling out claims directly with the credit card company i got my credit, but not even for the interest fees. But the total {$520.00} charged. The bank issued me a new credit card and I thought this was over. Then XXXX charged the same amount to my new card in XXXX of XXXX and I filed a fraud dispute with the bank at that time. They assured me theyd issue a credit and to wait the proper amount of time, and so far nothing has been done! I call every few months and each time they ask for the tracking number and my account of what and when and why I returned this item and still almost XXXX years now? Nothings being done! I stopped using this credit card and left the amount due to me as a balance and when they call Me to say XXXX late - I explain o have a XXXX balance and they actually owe me money for the finance chargers and late fees theyre applying for almost XXXX years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony bank closed my account although I never missed a payment. So I enrolled into a payment plan and requested several times for the collection rep. to ensure there would be no late payment reported with the new plan. Now my credit report showing two 60 day late payments. So I was told incorrect information and then to top it off Synchrony still sent in late payments to the bureaus. I made the minimum monthly payment under the plan as advised. I want to have the phone calls pulled the payment plan was made under and have the 60 days delinquency removed from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A