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, at XXXXXXXX XXXX someone broke into my car and stole my purse, my Old Navy credit card was in my purse among other belongings. I called Old Navy customer service and reported the card stolen at XXXX XXXX and requested to close the credit card. Two hours later I received a text from customer service notifying me of suspicious activities on the card. Whoever stole my purse used it at a near by Walmart and made XXXX purchases, {$200.00} each. I called customer service and asked for an explanation as for how they failed to close the account when I reported the card stolen, they said it's under investigation and that I should receive a letter within 7 to 10 business days regarding the issue. I haven't received any letters until today XX/XX/XXXX. When they sent me a new credit card later in XXXX, I logged in to the new account, it's not showing any transactions on XX/XX/XXXX, the day of the Fraud Activities, all it shows is a balance transfer from the old account to the new account for the amount {$1900.00} and I had to pay the balance hoping that they would resolve the dispute and refund me. I made several calls to the customer service, all I hear is the dispute is still under investigation. I don't have a proof of the fraudulent transactions because I no longer have access to the old account and all they display on the new account is a balance transfer. I don't trust the Old Navy credit card company because of their poor performance and probably ill intentions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by XXXX XXXX he has attempted to open numerous accounts and was successful at opening one under XXXX with my name as the buyer in Texas XXXX XXXX XXXX as the merchant he got {$9500.00} after I already informed Synchrony bank that this was fraud/ identity theft Their investigation took three weeks and they opened him another card saying that I was involved because he had my drivers license number. I called synchrony again but they gave him another credit card which cost me {$9500.00}. there are several other companies that I filed disputes with through XXXX that I have not been resolved that I need help with. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77015
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: PayPal credit. They suspended my credintials. Didn't close the account and provide me with a full detailed accounting. I disagree with the balance. They added fees and who knows what during time I didn't have visability and thought it was closed. Then proceed to default it sell it and now I am sued on a amount I have never seen with alledgedly a new account number as well. I had many problems with PayPal credit. They never sent me statments or any information. I had auto pay set up and wasn't using it. To then learn they auto drafted but would apply the payment after it's due date then hit me with huge fees then interest on the fees. I disagree with this balance. I also feel I was decived and completely shut out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72701
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: I Have been a card holder for quite some time and I have never experienced the kind of bad business experience as I Have with the merchant listed above. I tried to order a class ring, they could not get the text right on the ring I wanted, and the rep I spoke with on the phone could not speak XXXX XXXX too well, so I could not understand her too well, she hung up on me, so I told them to cancel the order on XXXX XXXX. I got a email today ( see attachments ), saying they have shipped the order after I told them I " CANCELLED THE ORDER ''. I see that I Have been charged for the order even though I requested it be cancelled within 24 hours of the ordering. As a American consumer, I do not have to pay for a service or merchandise I have cancelled before receiving it, and within a reasonable time limit before it is shipped, etc. I have a ' '' 'RIGHT '' to cancel a order and not be charged for it after it has been cancelled. SO, I am requesting that the charge be removed and my account be credited for the amount of {$270.00} since I requested the merchandise to be ordered before the merchant even processed the order, etc. I told them I ordered the ring from another merchant, which is my " consumer right to do so '', it's called " Consumer choice ''. I have provided in this correspondence attachments of copies of emails when I ask them to " CANCEL '' the order on 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: 394XX
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: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In cordance with The Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years. 15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am disappointed with the denial letter and an appealing it. You have done a bait and switch we me and other cardmembers that may have had issues during Covidshame on you. Unsatisfactory payment history? Really? Since XXXX I have only been delinquent when I asked you for payment arrangements at the beginning of XXXX when I was out of work other than that 94 % of payments on time. You did not clear the past due payment for 3 months, even though an arrangement was in place. You caused the multiple delinquencies! Called in XX/XX/XXXX when I knew I could not make my payment. Enrolled in program XX/XX/XXXX Was XXXX payment delinquent! XXXX XXXX shows auto pay, but still delinquent for XXXX payment XXXX XXXX shows auto pay, but still delinquent XXXX payment XXXX XXXX shows current payment and auto pay. You made a change to bring the account current. You did that. You are also the only creditor that permanently closed my credit line when I asked for payment arrangements. None of the others did that. Also, I was running balances on the XXXX XXXX and XXXX accounts at the same time, and they were never delinquent! So, your denial reason of Unsatisfactory Payment history with Synchrony Bank is bogus. I enjoy shopping and XXXX and would hope that they are aware of your awful customer unfriendly credit practices. They lose customer spend when you do this. Please reconsider my request for a card. Which should be a reinstatement, not new credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am having XXXX XXXX A/C units installed in my home by XXXX of XXXX XXXX whom recommended I use an 18 month no interest loan ( interest deferred if paid off in 18 months ) to have the units installed. The loan is serviced by Synchrony Bank whom considers it a credit card. They claim as part of my online application I agreed to pay {$190.00} for a {$29.00} activation fee and a {$160.00} " card security fee. They say these fees are needed to protect my credit card. I didn't know it was a credit card and i never would have agreed to pay {$190.00} for security for a credit card that A ) i don't even have and B ) will never use. Its part of a XXXX promotion, not a card to run around using with a 27 % interest rate. When I talked to the two representatives on the phone, they refused to transfer me to a manager claiming none exists. This is a scam and I feel in violation of the interstate commerce laws. I will also be filing a complaint with the State of XXXX consumer protection office. Futhermore, I had to request my loan statement as Synchrony didn't even send me a bill. This is a huge scam. Not sure who's behind this scam whether it is the contractor or XXXX or Synchrony Bank, but this is a huge scam meant to dupe consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
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: 2022-06-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an account with Synchrony Bank. I am enrolled in " auto-pay ''. This past XXXX, I tried to change the amount and what happened was the auto-pay got cancelled. I did not know it got cancelled. I have been an on time payor. Synchrony has damaged my credit score by marking me with a 30 day LATE. In XXXX, XXXX and XXXX I did not receive a call or email, or mailing saying I was 30 days late. If I did I would have corrected it immediately. I spoke to them, 3 times, supervisors ' etc. I disputed the account with them while they investigated it. I just received a letter saying they will NOT remove the 30 day late. My credit score has plunged XXXX POINTS today. I made a double payment last month once I was the reduction in credit score. I have had problems with Synchrony in the past on another account and find them to be AWFUL and no leniency at all for any reason. Please assist me in restoring my good credit rate which was over XXXX. I regret I have to take these measures. I feel I have been grossly " mistreated by this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48042
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A