Date Received: 2022-05-05
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: Below is a dispute letter I sent to Synchrony Bank three times. ____________ Hello, I am writing to dispute a charge that has been going on for over a year. In XX/XX/XXXX, I placed two orders ( # XXXX and # XXXX ) and returned the items in both orders shortly after they had been received. I then received return confirmation emails on XX/XX/XXXX and XX/XX/XXXX, and the refunds were reflected on XX/XX/XXXX account statement. There should have been no transactions related to orders # XXXX and # XXXX after that, however, two months later in XX/XX/XXXX, those two charges {$120.00} and {$190.00} showed up again. After speaking with representatives of your bank more than a dozen times and sent a dispute letter on XX/XX/XXXX, one charge ( {$180.00} ) has been resolved but the other charge ( {$120.00} ) is still showing up on my account. Date Transaction Order # Amount ( USD ) XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Transaction Balance Transfer XXXX?????? XX/XX/XXXX Transaction Balance Transfer XXXX?????? XX/XX/XXXX Dispute filed XX/XX/XXXX Dispute partially resolved XXXX I HONESTLY DO NOT UNDERSTAND WHY THE BANK IS DRAGGING OUT FOR OVER A YEAR WHEN THIS SIMPLE TECHNICAL GLITCH COULD HAVE BEEN FIXED AS SOON AS I CALLED ON XX/XX/XXXX. Please refer to the enclosed dispute form and statements, and fix the error accordingly. Hope to hear back from you as soon as possible. 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: 78752
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I obtained a credit card via XXXX a card with synchrony bank and XXXX & XXXX XXXX. I had used my card with no issues, until the other day. I went to purchase more items per my phone call with synchrony bank in regards to this issue. XXXX & XXXX decided not to renew their contract with Synchrony bank so the bank decided to discontinue the card. My credit took a hit with a decreased score. In 15 years I have 100 % on time payment. I asked Synchrony for a product change. They advise that option was not available due to their was no merchant who would pick up that contract. The pay boo card was terminated in XXXX, however as a tv producer XXXX travel and did not see the mail that they sent. My complaint is that I did everything by law and yet when these two companies decided not to continue business my credit took a hit and all the bank had to say was for me to read my terms and conditions as this is the law and they are in their legally right. The part that makes me the angriest is I wanted to buy more equipment and due to know product change which would not have required a hard pull on my credit. Now I either have to pay cash or try to get credit, however with the creditor closing the account it hit my credit hard. I assumed if I closed the account it would adversely effect me worse. Synchrony told me the opposite. I hope I explained the situation with the least amount of emotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have been a client of Care Credit by Synchrony Bank for over 15 years, and have had online access the entire time. On XX/XX/XXXX their website suddenly decided my login info was incorrect. I tried to get in several times without success and it would not send me a reset link. I finally reached them on XX/XX/XXXX and the rep would not send me a reset link but only a text. He also pretended it was not their site but my browser ( he wanted me to switch to XXXX XXXX ). When I refused, he said there was nothing else he could do. The reset link let me in - I logged out, tried to log back in and it again told me something was wrong. I called again on XXXX and the rep again pretended it wasn't their problem but my browser and claimed that they only get calls about people using Edge not being able to get in. When I told him it was not my browser but their site, he hung up. If it really is that their site is not compatible with one of the most popular browsers - that needs to be corrected. Their customer service also needs a major upgrade.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Violation of the CARES Act. The issuers listed late payments after payment arrangements/accommodations were made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My CareCredit card is being charged a card security fee that was not disclosed upfront. I had XXXX XXXX done XX/XX/31 and went to take advantage of the 24 month promotional financing. I have since learned they are charging me roughly {$37.00} a month for this pricing, wiping out nearly half of my monthly payment to this. When I tried calling their customer service line, I am directed to a different number. When I try to call their office, I have no luck in reaching them. Its upsetting because this fee was not disclosed and has only began being tacked on since my new promotional financing ( bill for roughly {$2300.00} ) began. This should be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a credit limit of {$350.00} with Amazon XXXX ( XXXX XXXX ). I made a payment of {$270.00} on XX/XX/2022 to bring my balance to XXXX. On XX/XX/XXXX and XXXX I made purchases totaling {$130.00}. On XX/XX/XXXX, I received an email from Amazon stating that my credit limit had been decreased to {$150.00}. Shortly after I began receiving alerts from the credit bureaus stating that my credit score had changed, the limit on one of my credit cards has decreased and as a result my credit usage has increased. I called and spoke to an Amazon representative on XX/XX/XXXX who said that she'd try and request an increase and there would be a soft inquiry on my credit. She attempted an increase request of {$1000.00} and I was denied. She offered to dispute the decision for me but I denied as I felt this would not resolve the matter. I am asking that someone take a look into this matter for me as I feel that the decision to decrease my credit limit was unfair. I have always made on-time payments and this decrease is hurting my credit score, one that I have been working hard to fix. I feel that I am being penalized for using my credit shortly after paying it off. Please assist. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
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 We made a purchase for {$1300.00} at Lowes store number XXXX in XXXX XXXX Virginia using our Lowes Credit card. As the sale was being finalized and the Lowes credit card had been swiped the store 's computer went down which prevented the store form printing a receipt. When the system came back up there was no record of the sale in the stores computer so no receipt was able to be printed. A manager called card services and he was assured that the charge would not post and if it did it would be removed. Based on that call the store re-rang the purchase and we processed the Lowes card for the identical amount of {$1300.00}. On XX/XX/XXXX the both charges appeared on our statement despite the assurances that only one charge was going to be processed. We called the credit card company and disputed the charge on XX/XX/XXXX. On XX/XX/XXXX we received an automatic stating that our dispute had been resolved on XX/XX/XXXX without any detail. We opened the email on XX/XX/XXXX and immediately checked the account only to see the charge was still showing. After ~2 hours on the phone and being transferred around to multiple people how could not/ would not help I was placed in contact with XXXX XXXX She realized that the original dispute had been entered incorrectly and therefore closed incorrectly. She re-opened the case with clear notes as to the facts and assured us that no interest would accrue on the charge while it is in dispute. On XX/XX/XXXX, we called Synchrony Bank for a status update. After only being told that the charge is being disputed I asked to speak to a manager. the Manger said that Synchrony Bank does not credit accounts and that they have to wait for Lowe 's to process a credit. I had to push to understand if they even had reached out to Lowe 's to get this resolved. to which he said that they had reached on on XX/XX/XXXX. two weeks after I called. The bank could not say what they were actively doing to resolve this. The statements say to dispute charges we have but then they do nothing to actually get resolution. Simultaneous with the above efforts I have reached out to the Lowes store we made the purchase at to see if they will help. Unfortunately the Managers on duty do not call back and when we have spoken to the customer service desk they point us to the credit card company. Desired Resolution : the Duplicate charge removed from my account with no accrued interest owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A