Date Received: 2022-06-04
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Patient XXXX XXXX Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX My appointment was for XXXX XXXX XXXX. After four hours and being charged over four thousand dollars I was told to come back when crowns arrive in two or three weeks. XXXX XXXX was the next appointment date. XXXX XXXX after XXXX I was emailed by XXXX XXXX to reschedule appointment due to XXXX not arriving in time. I already was scheduled off work. XX/XX/2022 I came into XXXX XXXX to have XXXX placed on and temporary XXXX taken off. After the dental assistant removed them XXXX XXXX XXXX XXXX said one tooth was cracked and needs to be extracted. I said so you all cracked my tooth, he immediately took defense when I said check your X-rays, there was no cracked tooth before XXXX XXXX. Nothing was done I was told to speak with office manager and at that time I was walked to front office to speak with office manager, she prepared a print out of the refund for {$1900.00}. She said I will need to go to a different location to have tooth pulled, and balance from tooth extraction will reflect on refund to care credit card. She said I will need dental implant costing XXXX or XXXX XXXX dollars. XX/XX/2022 she booked appointment for me to have tooth pulled at XXXX location. I did not have my tooth pulled, not at my expense. XX/XX/2022 I came back into sage dental to have XXXX XXXX put on the successful XXXX XXXX tooth. Nothing was updated on my account for refund. Two weeks after that I contacted XXXX XXXX and I was told by front desk staff I will not receive refund if I do not get tooth pulled by XXXX XXXX. They can not force me to receive services from them. Another two weeks went by and the front desk staff told me that corporate will give me back {$800.00}. I refused that offer because Im owed {$1900.00}. Another two weeks went by and front desk staff told me corporate will give me back half. I refused that offer because Im owed {$1900.00}. I started taking legal action, reporting sage dental to XXXX XXXX XXXX XXXX. XX/XX/2022 I was emailed saying corporate approved full refund for {$1900.00} if I sign release waiver. I refused offer to sign and release waivers because Im owed {$1900.00} period, due to their negligence for faulty failed root canal they owe me to have tooth pulled, they owe me for dental implant and all further dental expenses. XX/XX/2022 front desk staff called to tell me corporate decided to pay {$800.00} unless I signed waiver.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 - received a notice from Synchrony Bank that they had decreased my credit limit on my XXXX XXXX XXXX account ending in XXXX although my account is current on payments. I have not had an issue paying on this account or the account I had previous to this one. The letter states that the decision is due to a delinquent or derogatory real-estate account which is CURRENT and has absolutely nothing to do with paying XXXX XXXX XXXX. I have not asked for an increase on this account therefore Synchrony should not be running my credit report in the XXXX place. Like many during the pandemic, I ensured that all my bills stayed current and paid my bills even if the minimum was all I had to pay. By decreasing my credit limit not once but twice, Synchrony is causing my credit score and my credit card utilization to decrease due to the account being at the limit and not where it should be within the original credit limit of XXXX. There was absolutely no reason to decrease my original limit the XXXX time, yet I made no complaint ( I forgot and missed my due date once but paid immediately as soon as I realized what I had done ), but to decrease my limit again especially for an account holder who is paying on time and with a current account status is outrageous! The main concern should be that my account status is and has been current since I opened this account and there should be no reason to view my credit report unless I request a credit increase therefore giving Synchrony permission to do so. My account with Synchrony Bank is not past due, has never been delinquent and all credit criteria should be based on this status and no other
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I recently obtained a store credit card for Ashley Furniture, underwritten by Synchrony. While on the furniture store 's website https : //www.ashleyfurniture.com/cart/, it offered preapproval for the Ashley Advantage card in which purchases can be financed with XXXX interest if paid off in full by a specific date. So when I clicked on the option for the financing, I was redirected to the bank 's site https : //etail.mysynchrony.com/eapply/eapply... I was approved for a credit line and subsequently received the physical charge card in the mail. I activated the card over the phone and was referred to the Synchrony bank site to explore special promotions as recommended by the automated activation phone system. When i went to the bank 's website at https : //www.mysynchrony.com/cmp-index.html? market=homefurnishings & store=ashley, i was pleased to XXXX the perks specific to card holders, including XXXX RewardsXXXX XXXX XXXX and something called " XXXX XXXX '' So on Tuesday XX/XX/22, I went shopping for my Tuesday deal. However, there was no navigation available for any of the deals offered on either the bank 's website or the store 's. Since it was Synchrony that advertised the promotions as an incentive, and with no other place to turn, I commenced an online chat with a Synchrony representative named XXXX XXXX XXXX XXXX had no idea what I was talking about when I asked how to find the XXXX XXXX. After more back and forth, he recommended the Ashley deals website while on the chat and directed me to https : //www.ashleyfurniture.com/coupons-deals-and-offers/ for the XXXX XXXX I reported back to XXXX that there is nothing mentioned regarding XXXX XXXX, to which XXXX replied XXXX " In that case. I would suggest you to contact website provider customer service as they will be able to check on your request further and help you with the Tuesday sales update. '' I reiterated to XXXX that it's not a store deal, but that the XXXX XXXX was advertised on the credit card application as an incentive and cardholders exclusivity. XXXX later reasserted that " I have checked on your request and I see that the offer is with respect to Ashley advantage card that is issued and handled by Ashley stores services. For Ashley advantage card XXXXy offers are provided which is handled by store directly. '' However, as I mentioned, there can be nothing found on the store 's website about this XXXX XXXX. When I explained again to XXXX that its not on XXXX 's, but rather the Synchrony website specifically promoting this as a cardholder perk, XXXX replied, " I would like to confirm again the offer is provided by merchant and is just providing information regarding offer offered by merchant on synchrony website. As intelligible as his last statement was, XXXX further stated that his Supervisor agreed with this statement as well. This, at the very least, is misleading by definition. Secondly, the Synchrony rep is falsely placing the onus on the merchant, while at the same time admitting its advertised on their own web page. This logic is ludicrous, because anything that Synchrony chooses not to honor, they just pass the buck to the merchant. By this logic, they can say anything they want, be it true or false. To date, neither Synchrony nor XXXX 's can direct me to where I can find the " XXXX XXXX '' Needless to say, I am not satisfied with Synchrony 's explanation whatsoever. I asserted toward the end of the chat with Synchrony that I would be filing an official complaint ( for misleading information ) and requested a copy of the chat log ( which I have on file as an unedited addendum that supports my claim ). In the end, XXXX stated to me in what appears to be a canned reply, " I have already raised your concern on our end. I'm sure our back end team will look into this issue and will make sure the information is more brief for clarification. '' I find this assertion to be mere insincere rhetoric, because XXXX did not advise me how I could follow up on this or if anyone would be contacting me with findings or more information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: someone fraudently submitted applications for credit without my consent. The following companies were applied to ; XXXX, Care Credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: on XX/XX/2022 i received an electronic letter stating my credit limit of {$2000.00} was being reduced to {$1200.00} - i immediately called to speak with someone as this will be taking a major toll on my credit score affecting me in so many different ways. I have worked hard everyday on my credit so any minor change affects me in many ways. XXXX XXXX-is reducing my credit line by {$800.00} this will in return cause my credit utilization to drop drastically causing my credit score to crash which will in return leave me struggling for months to fix. I called customer support for assistance and instead was insulted and kept being told if i seen the letter sent then there was nothing they could talk to me about at that point. The gentleman on the other line even hung up on me when i asked to stay on the line and be transferred to someone else. I don't understand why Synchrony Bank is causing this inseparable damage to my livelihood as a single dad i moved my children to our new place and began working on putting our life back together decided to finance furniture and pay it off with the promise of no interest charge for a year, if i would have known they would pull the rug under from under me on the offered credit line i would have never financed thru them and would have paid in cash. In addition i enrolled for AUTO PAY since the start of my financing with Synchrony bank and was told that my account was never enrolled and all i have been paying is late charges on my account this is really concerning specially because when i called in for help their automated line kept asking me if i was " disputing a late charge '' multiple times thru the process of trying to reach someone, this only shows that they get these types of calls often are are probably not processing " auto payments '' to cash in on the late charges and capitalize on those fees. i am requesting my credit line to be reverted back to its original amount. My credit score is even higher then when i originally opened my account with Synchrony and i monitor my credit on a daily basis so i am not sure why this is even happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
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 cancelled a booking with XXXX and I did not receive the full refund as it indicated on their website. There's still a remaining {$170.00} charged in my credit card. I called XXXX and failed to resolve this issue. So I reached out to my credit card company XXXX and started a disbute. But later had it resolved in the Merchants favor and was rebilled for {$170.00}. I've provided digital and physical evidence of the email proof I received for free cancellation/cancel with full refund. But XXXX still resolved it with the merchant favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: These accounts are not mine. I have reached out to dispute the accounts letting them know the accounts were not opened by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My problem began when I purchased a piece of excercise equipment thru paypal credit on XXXX. When the new month began i received an email telling me because i am XXXX i am being enrolled in the paypal credit payment security program, I have the email saved where it says i will only pay XXXX $ for every XXXX dollars i spend so i spent more money than i could pay back. Now that it is time to pay it back they say i have to be XXXX after making the purchase but i am under the continued care of a doctor who is telling me not to work. please send me an email address to forward the email to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This item, Synchrony Bank/ Ashley XXXX , is inaccurate because I never received any items to make payments towards prior to closing the account myself. I have SYNCB/Ashley XXXXe representatives on multiple audio recordings stating there are no payments made to the account until the items are delivered. I never received any items that were financed but began getting charged. I spoke to a manager, XXXX, on XX/XX/22 with recorded audio and canceled the delivery as well as closed the account. On XX/XX/22 at XXXX, I spoke to an Ashley Furniture Guest Response Team representative on a recorded line that identified themselves as XXXX XXXX XXXX XXXX After explaining the situation, I was informed that one item was being shown as delivered. I asked for proof of delivery to include the address it was delivered to because I did not have any furniture from them, and I was informed that a representative from their back office would be contacting me. No one has ever contacted me regarding the account or provided any proof of delivery as requested. To this day, they continue to falsely report late payments, a high balance, and they closed the account which has continuously impacted my credit report in a negative manner. The unlawful actions and negligence of SYNCB/Ashley XXXX led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.
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: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I got a care credit loan thru Synchrony bank at my dentists office. I was told I wouldnt have interest for 18 months as long as I made the minimum payments. I actually called them I day I got approved to sent up auto payment to pay off the amount by the end of the 18 months. I then was met with an email 18 month later saying I had {$1500.00} sent in interest. I then found out that they sent my auto pay to the minimum instead of the amount I asked for. I know o should have been checking but I was 3 month postpartum and set it up so I didnt have to worry about it. On top of that I found out they we charging me $ XXXX {$70.00} a month of a card security fee that I didnt sign up for and I was not informed about. They claim it was a voluntary charge but I didnt volunteer for it. They only refund some of the charges amounting in {$610.00} refunding to me but they are still trying to over charge me {$350.00} to pay off before they permanently add the {$1500.00} to my account. I have talked to them numerous times even doing the basic math over the phone with them but they are refusing to listen to there own statement balances. On top of that I cant even get a copy of the last 18 months of statements that only show the last 12 statements so I dont even now if my refund of {$610.00} is correct cause by the collections of just the last 12 month they would owe me {$550.00} so add another 6 months and it should be around {$900.00} not {$610.00} but I can even verify because I cant see my statements. I have tried to be civil but they refuse to even try to listen to the fact that they messed up and are trying to charge me an addition {$350.00} minimum.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A