Date Received: 2022-06-15
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Icalled XXXX XXXX for a special they had for {$49.00} they would clean my ducts on my Air C onditioner. The representative came out and immediately started telling my system was in bad s hape and most air conditioning companies would tell me I had to replace the unit but she would be able to fix the probleme my system was running fine at the time ). She comes back with this es timate of {$3100.00}. I explained I did not have the money. She proceeded to sign me up with Sync hrony Bank for the money. She had me sign everything on a laptop computer. She sI aid she woul d email the paperwork which she did I look at the contract and realized that I had three days to c ancel the deal. The next day I called XXXX XXXX and told the Office Manager XXXXXXXX XXXX XXXX I wanted to cancel the deal per contract. She told me there was a Restocking Charge of {$1000.00}. I would have to pay. I told her there was no restocking charge in the contract they had sent me. I had three days by Florida Law to cancel the contract, and I sent Synchrony Bank proof I sent the letter to XXXX XXXX that I was cancelling the contract. Synchrony Bank is refusing the Florida Law and won't recognize that I cancelled the Agreement
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: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of XXXX, I asked Paypal Extras Master card if they could lower my payment or dissolve the debt because I can't afford it. I had gotten my Paypal extras master card in XXXX when my credit was bad so I had a high-interest rate, the bill was always higher due to 23 % interest. I had the master card and managed to use and pay it down different times if you look at the history. Since then I closed the account and have tried to pay it but I don't make the same amount of money anymore and I explained that to them the last time I sent them a complaint. Last month I paid it on XX/XX/XXXX which it was due on XX/XX/XXXX and they marked my credit report, and my score has gone down. I can not afford this high payment and I don't want my score to go down either, I already have asked to be able to work something out, by calling the number on the letter attached that was sent to me. The agent said I was already on the lowest payment possible and there was no other plan she could do. Gas is high and I am a single mother with a lot to pay for. I do my best to keep up with this card and I want to get rid of this debt so I have been paying it. Is there any covid debt resolving programs XXXX XXXX is offering or some sort of settlement that can be reached? This is my second time trying to protect my credit and telling them I can not afford this debt with everything going on. I would like a lower payment or at least a XXXX grace period to give me time to make the payment and not ruin my credit over this. My account has been enrolled in the zero-interest payment since XX/XX/XXXX so I am not sure why the attached letter says it was going to enroll me because I have been enrolled with the {$170.00} payment. What I am saying is right now this payment has become out of reach for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
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 shoes from an online company called XXXX using my Sams Club Synchrony Bank Master Card. XXXX sold me counterfeit shoes and after months on back and forth emails they would not refund me for the shoes. I had even sent them back the shoes because when I informed my credit card about the situation the first dispute they sided with the seller because they said I still had received a pair of shoes and even though I provided sufficient documents proving the shoes were in fact fakes and the sellers were unwilling to assist me, my credit card could not do anything as I was in possession of a product. I informed them it was illegal to sell counterfeits and try passing them as authentic in the United States but my credit card rep was not willing to assist me further so I shipped the shoes back hoping my credit card would assist me and as of XX/XX/XXXX my credit card company has gone silent on me and has not returned my calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I filed a complaint with CFPB against Synchrony Bank/Ashley Furniture . Synchrony called on XX/XX/XXXX to confirm receipt of the complaint. In the company response to the CFPB on XX/XX/XXXX, the response had attachments, and it shows the item signed for " XXXX '' on XX/XX/XXXX at XXXX. In none of the documents attached nor submitted, is there anyone in my household by that name. " XXXX '' is not my first nor last name. The vendor delivered to the incorrect resident. I called XXXX Customer Service on XX/XX/XXXX on a recorded line and they stated that during " that time '' ( meaning XX/XX/XXXX ) still did no-contact and sometimes the driver would sign for the items. I have initiated a complaint with XXXX for allowing someone other than me to ever sign for a package that REQUIRED a DIRECT SIGNATURE. Per the XXXX representative, the Shipper listed as XXXX XXXX on an attached document on the company response, needs to initiate a claim to get a reimbursement so that I can have my credit reported accurately. This could've been resolved, or initiated sooner, but I was not provided a XXXX tracking number in XX/XX/XXXX when I requested proof of delivery both in person and over the phone with Ashley 's Furniture and their Guest Response team. Additionally, Synchrony Bank/Ashley Furniture is still attempting to hold me responsible for an item I never received after viewing for themselves that the person that signed for the item is NOT the person whose name is listed as the recipient. Me. I did not receive any items nor did I sign for any items. Synchrony Bank/Ashley Furniture is continuing to falsely report on my credit under the remarks that the account is within FCRA. It is not. An improper investigation was conducted and reported to the CFPB by Synchrony Bank/Ashley Furniture .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Invoice to be paid for illegal late payments for deleted late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a CARE CREDIT CARD, it offers promotional purchase ( EX. 12 or 18 months no interest if paid in full by expiration date ) So when I make a Promotional Purchase : example on XX/XX/2021 for XXXX and then another on XX/XX/2021 for XXXX and yet another in XX/XX/2021, all of these promotional purchase will expire 12 months from the original charge date which I understand but the problem is when I make my payments the Credit Card company does not apply my payments to the promotion ending the soonest, they apply them every where else, then they charge me 26.99 % interest because they say the promotional purchase was not paid off, but I did pay the balance off they just didn't apply the payment correctly. They don't give the consumer an option where to apply the payment, I am sure I am not the only person having this problem. This is not good practice. I have called every month since opening this credit card and it is not being addressed. Please Help the consumer...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
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/2022 I purchased kitchen cabinets, counter tops, and labor and signed a Lowe 's store contract for such items. It is now XX/XX/2022 and no cabinets, no counter tops and I have been making payments towards this very expensive purchase. Now after several unreturned phone calls to the store ( Lowe 's store # XXXX in XXXX, NV ) The store 's employee wanted to recharge me the amount due to a system error. I told the employee no and he transferred me to the Manager which the call got disconnected. I called My Synchrony customer service for Lowe 's store credit card and the customer service representative told me up to 90 days to research and they do not control the store or their items. I asked for a full refund since nothing has been done and I am paying for kitchen cabinets that were never installed nor counter tops. The customer service representative would not give me a claim or dispute number. She told me it has been noted and I will receive a letter. I have been making {$500.00} a month payments since XX/XX/2022. This is not right and I feel I am being taken advantage of by Lowe 's and My Synchrony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: For the first time this month XX/XX/2022, received a bill and emails for a past due of {$120.00} and a balance of {$3900.00} from Synchrony Bank XXXX that I didn't recognize. I call CareCredit Synchrony Bank at XXXX and filed a fraud claim. All this started this month and was told that the account was opened XX/XX/XXXX of this year. Waiting for document from Synchrony Bank to complete. I don't understand how this came to be, because I've attempted to open a credit account and was declined in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I did a balance transfer from my PayPal credit card in the amount of {$930.00} to a zero interest card. The zero interest card sent a check on XXXX XXXX. And the check cleared the bank ensuring that the money was received by PayPal. I have disputed the balance owed on several occasions. The balance reflects the payment for a short period of time and then it reappears after a couple weeks. I have a copy of the check that cleared, spoke with the manager after I sent the copy and the balance was removed and it was back again. After speaking to him it was removed once again only to reappear a few weeks later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A