Date Received: 2022-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I bought appliances from XXXX on XXXX months same as cash. The Bank who services their accounts is Synchrony Bank. A few months went by with no problems. Then in XX/XX/22 and XX/XX/22 I received a text that they had not received my payment. XXXX had sent them the payments electronically. They had me go to the bank and obtain documentation that they had sent the check. I submitted the required documentation. They accepted the documentation from XX/XX/22, but not XX/XX/22. They placed a comment on my credit report and then removed it. I produced additional information and they sent me a letter that they had reversed the decision and accepted the documentation. Everything seem to be going well until I saw they added the 2 payments to my statement, but deducted 3 more payments. So they were stealing {$670.00} from me. I called and one man tried to tell me he did the math and the balance was correct. After I told him the math was wrong he then transferred me to a supervisor. She explained they add the payment provisionally then decided to take it back. She couldn't answer to why that happened or what to do about it. She told me to call the CEO. She said she could start another payment dispute case to which I agreed. I am willing to pay off the balance and get them out of my hair. I am unwilling to pay the additional money they are trying to add that I already sent them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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 I placed my order # XXXXMy card was charged for this purchase of A Shower Installation. It shows that the order is completed but The XXXX XXXX XXXX does not have the order and refuses to answer the phone or complete the order which has a tenant waiting.XXXX XXXX XXXX XXXX XXXX gave me complaint # XXXX to give an order number or a completion and no call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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 adjustable copper infused bed frame and mattress from XXXX XXXX 'XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. The bed and frame cost a total of {$1900.00} which was charged to a XXXX XXXX credit card I applied for on the same day of the purchase at the store. The store clerk said this bed frame and mattress would help to relieve my XXXX XXXX XXXX and I'd wake up rested and refreshed. When the bed frame and mattress were delivered on XX/XX/XXXX I told the delivery person that this was not the bed frame and mattress I tried out and purchased because it did not look or feel the same as what I purchased. The mattress was in fact a foam mattress and the delivery person said that it would take 3.5 hrs for the mattress to fill up and expand. After 5.5 hrs the " mattress '' was still very soft to the touch and felt like a sponge and not a mattress. This bed frame and mattress were not at all what I ordered at the store and I have been asking the store to pick up their bed frame and mattress and issue a full refund to which they have stated they have a " no return '' policy. I was not able to call the store clerk on the day of delivery because I had to wait the 3.5 hrs I was told it would take for the mattress to fillup. I slept on the bed the night of the delivery and woke up the next morning with terrible XXXX XXXX so I called the store clerk to tell her I wanted them to pick up their bed. The store clerk told me that I had to sleep on the bed for at least 30 days so I can get used to it. I told her I would not sleep another night on this bed because it made my XXXX XXXX worse. The bed has not been used since the first night I tried it and I will never use it again. I have contacted XXXX XXXX 's customer service department and have found no help with this issue. XXXX XXXX has offered to change the mattress but it's not just the mattress I have a problem with but the whole bed ... .. this bed does not help someone like me with XXXX XXXX issues. I also contacted the credit card company ( Synchrony ) to let them know that I need XXXX XXXX to pick up their bed frame and mattress to no avail. All I want is to return this bed frame and mattress to XXXX XXXX and have them issue a full refund to the credit card. I have also filed a complaint with the XXXX but XXXX XXXX still refuses to return and refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have multiple accounts with Synchrony Bank providing me credit at multiple retailers. I have kept all of my accounts in good standing, always paying off the cards or making monthly payments on time. Out of no where Synchrony cut all of my credit limits to within {$20.00} to {$50.00} of my current balance. For example, Lowes. My Lowes account had a limit of $ XXXX. I had a XXXX balance and it was cut do a limit of {$150.00}. XXXX XXXX had {$8500.00} limit and was cut down to {$600.00} as I had a {$580.00} current balance. I have two accounts at Sams Club with this bank. I had account protection/security purchased but cancelled this during the first week of XX/XX/2022. They continued to debit monthly charges for this security and will not refund. Because of this both my Sams accounts have accrued these fees bringing both over the limit and am now being charged multiple fees every month. Multiple others as well, all in good standing. Because of this my debt to credit ratio skyrocketed and my credit score dropped almost 200 points. I have a car lease that is up this year. I just found out that because of my credit utilization so high and score so low, that I will not be able to purchase out my lease or lease a new vehicle. I was also working on getting approved for a mortgage on a property but that was cut as well. I understand Synchrony is taking this action on many card holders. Either lowering credit limits, or closing accounts. They have closed two of my accounts that had XXXX balances. I worked very hard to stay above water during the pandemic. I was unemployed for two years yet I continued to meet all of my monthly obligations and was never late or over the limit on anything. This is how I'm paid for being on time every month?? This has caused me to miss paying other bills over the last few months and completely ruined me financially. Soon I will have no transportation and no options to turn to. I don't know what to do as I've never been in this type of situation before. Is there any help out there??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The original creditor on this is synchrony bank I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called XXXXXXXX XXXX credit which is referring to the synchrony bank creditor which was removed already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a 0 % interest credit card for XXXX XXXX XXXX XXXX through Synchrony bank. I missed 1 payment in XXXX of XXXX. I was sent an email, called and at Synchrony 's suggestion and direction enrolled in automatic payment to pay the amount by the end of the promotion period. I would receive periodic ( quarterly statements ). I received a statement in XX/XX/XXXX and one again in XXXX of XXXX. The XX/XX/XXXX statement had triple the balance. It took several days to access my account ( the server was having difficulties and try back later ) and find out they had started to charge interest and fees as the promotion period was over. At no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notice or additional statements to indicate the promotional period was over and resolve any outstanding balance. I immediately paid the original balance and began calling Synchrony to resolve. Synchrony 's only customer service are representatives who sad they could not do anything past 30 days. I received a multitude of misinformation from customer service over the next several weeks and calls that included lying about management structure, call backs and even telling me that forgiveness after 30 days was an SEC violation. I was then contacted by a customer representative who did not initially respond to my follow-up, played phone tag for several weeks and then she did not respond as she was out with a sick child. I finally was able to contact her in a last ditch attempt to resolve. I told her that the auto-payment was set up as a result of direction from call in XX/XX/XXXX. She said she had to review the call. She called back and said no matter what the term of the promotion period is over and they won't do anything. I specifically requested details of the call and she refused to provide. I asked her to review the previous months calls to customer service and the plethora of misinformation. She refused saying she needed exact dates. Note she did not need an exact date to review the XX/XX/XXXX call ; I suspect she did not and that is another lie. I now have XXXX of dollars in interest and fees that are still accruing. When provided with appropriate information I have been diligent about paying what I owe and contacting Synchrony. Synchrony 's entire system is designed to provide no or false information to defraud consumers of interest and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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: XX/XX/22 Received statement from Lowes Synchrony Ban with a double charge of {$110.00} from XX/XX/22 for the same products. Went to store and the head cashier said one of the invoice numbers one of the invoice numbers did not exist in their system. We filed a dispute with the bank and received a letter from them stating they were investigating the dispute and give them 90 day and no fees or interest would be charged during this period. Called again on XX/XX/22 as we received another statement to pay and again was told to ignore the charge. Received email and texts this past week to pay this charge and they sent me to collections and charged {$29.00} late fee. Called again XX/XX/22 and talked to several people with different stories. was on the phone with them for two hours and the last man, XXXX said there was not a dispute in the system and a new dispute would have to start again even though we had the letter from XXXX. We have never had anything sent to collections and don't know where to begin to resolve this. We have asked for a copy of the invoice showing the second purchase for {$110.00} or documentation of what the bank has been doing after the first letter we received from them on XX/XX/22 and why we were not notified that the dispute had been resolved on XX/XX/22 and they would not give me any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received an A message that I was very late on my credit card payments and to contact them right away to get this resolved I didnt get on their website that they gave but my husband did call the phone number and it was an exact to the T recording of the banks recording when they call you and ask for my credit card information and my bank information to withdraw the money to get my account up-to-date the website was http : XXXX? XXXX phone number XXXX I have been scammed before and it was very devastating I want to thank you for the work you do to try to catch these people God bless you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
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 purchased an online course called the XXXX XXXX XXXX XXXX for {$390.00} first payment and 2 more additional {$390.00} payments the following months. I wasn't able to start the course as soon as I purchased it as they force you to have a phone call first and this call couldn't be booked for several days as they had too many customers. I tried without the call but it didn't work as you could not go through the course no matter what you tried to do, I was blocked to proceed. I was finally able to talk to them like days later but was unpleasantly surprised to be told that if I really wanted this course to work properly I needed to hire them. Basically they upsell you AUTOMATION which costs anywhere from {$3000.00} to {$12000.00}. Not at all what this was supposed to be all about. In their sale pitch they make it sound as if it is so easy to do on your own with me putting in the due time obviously, which I was all in to do as there is not such a thing as easy money. The tone went from I will teach you how to do this to " I am not a pro at this but I will try my best to teach you ''. The information sold here is basically the same I can get from watching any XXXX video on how to create a channel. I asked to have a refund on the first payment I made immediately but was denied by XXXX without any valid reason and closed the case without giving me any other chance to dispute it. Their decision was extremely quick as they made it sound as they had given it real thought, not listening to a customer that felt scammed about a purchase. I have stopped all recurring payments and not planning on using XXXX XXXX system at all as it is a waste of time and money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit card company didn't send me any statements for XXXX months. I tried to sign up several times with my bank 's bill pay. But it failed each time. Credit card company did not send me paper statements or email statements. As a result, I got charged late fees and interest. Eventually credit card company send me a bill with lots of late fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A