Date Received: 2022-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Paid off a 0 % interest Lowes/synchrony credit card, had a payment auto scheduled so even though the balance on my card was {$0.00} they still took {$1000.00} dollars from my checking account. This very clearly states will not happen on their faqs. When I called to complain they said I would have to prove that the amount was withdrawn and then after I " proved it was removed '' in approx 15 days they would send me a check. Not acceptable on any planet. They also send they couldn't send it back eclectronically which is of course ridiculous. Clearly they are wagering on people not getting the check or cashing it. IF they can just take money out willy nilly surely they can put it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45701
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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 an Amazon credit card holder through Synchrony Bank for several years with a credit line of {$10000.00}. Account # XXXX and I have attempted to work with Synchrony 's customer service department ( XXXX ) XXXX on six different occasions since XX/XX/2022, to resolve a refund due in the amount of {$240.00} for a product returned to the seller. Despite providing Synchrony with proof of the return and an email from the seller acknowledging receipt of the returned product, Synchrony continues to drag its feet by not providing the refund or issuing a temporary credit to my account while they review my claim. In frustration, and not wanting to jeopardize my credit score, I have paid my account in full and would request your team 's support in holding Synchrony accountable for not adhering to the required steps involving a credit card dispute. The product was returned to the seller on XX/XX/2022, via XXXX tracking # XXXX ( defective ), as well as the secondary replacement product on XX/XX/2022, via XXXX Tracking # XXXX and delivered to the seller 's dock door on XX/XX/2022, and signed for by XXXX. Order # XXXX XXXX XXXX $ {$240.00} email from the seller and provided to Synchrony - " Thank you for confirming that the return shipment was sent back. Amazon should have processed your refund automatically when you returned the replacement, and Im not sure why they havent processed the refund. We will have Amazon process your refund back to your account now, and they will send you a confirmation once its been processed. Please let us know if you need anything else, and sorry for the inconvenience ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: 1. After sending harassing emails on a payment that already had already been paid. Just like XXXX XXXXXXXX XXXX, Lowes and Sycronyn Bank are targeting XXXX veterans through the Lowes Account. so after I asked them to stop the emails they made sure my card did not go through online for simple purchases. 2. They left me on hold for 45 minutes and when I spoke to someone they gave me the run-around, ( our system has bugs please reenter your account number 50 times ) the next bank or store they should be looking for discrimination is Lowes/Sycronyn Bank I do logs and notes and ready to sue. All I have to do is read back from these to anyone asking questions. dates times reps etc...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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 made purchase for {$110.00} using Paypal credit on XXXX on XX/XX/2021. I called the merchant phone number listed on the web site next day where I made purchase but it was saying if I'm calling about XXXX then its fraud so I reported to Paypal Credit next day morning. Since then I keep calling Paypal credit but the customer service keeps telling me that it will take time and sometime in XXXX they said XXXX produced the tracking number for the delivered goods but I never received the merchandise. I re-opened the case again with Paypal credit again. Their customer service keeps me telling I don't have to pay so I did not pay. Now they keep adding fees and interest and now its {$240.00} and they have closed my account also. I finally gave up and I paid {$240.00} today. They said they sent me letter saying they have confirmed from the seller that they did sent the goods but I never received it. I paid it because I'm afraid of the way they are adding fees and I don't have time to call them every time and spend almost 30 minutes. But I believe its bad practice that Paypal is using and running fraudulent shop behind the scene also instead if freezing the payment they are using scare tactics to add fees so that a good person end up paying it and that's what happened and I paid it. But question is someone need to investigate this and I should get my money back, they must be doing this with many people.. I have attach the screenshot of where I made purchase and I believe merchant is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Bank charges a CARD SECURITY fee and does not show this fee in recent activity in online banking, so people never know how much they charged, and even I don't know they have a card security charge for every month. Until today I check the statement and find it shows up in the statement, this is very tricky. And I put the pdf files as an attachment showing the difference between my online banking 30 days activity and the statement, people will never know they charge the money until they see the statement. I have been charged for over 4 years, and I spend over XXXX dollars every year on this card, each {$100.00} they charge 1.66 %, and that is crazy money and tricky people by not showing that on recent activity. They are not honest and try to hide the fee, so people will not easy to notice. I don't know if I can get my money back, it should over $ XXXX they have changed under the table.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Getting a line of credit
Subissue:
Consumer Complaint: In XX/XX/2022 I had applied for an XXXX business line of credit, XXXX uses Synchrony Bank to underwrite this line of credit and issue the finances accordingly. In order to improve the odds of my XXXX business line of credit approval, I offered a personal guarantee in my XXXX XXXX application because my credit score is over 800 and I have exceptional odds of approval, 100 % typically. Without ever reaching out to me for more information, Synchrony Bank denied my line of credit and sent me a rejection letter stating that they were unable to verify my personal identity .... but how can the underwriters not verify my personal identity when my name, dob, social security number, telephone number, address, and e signature are on the application? Why didn't the underwriting department reach me directly to verify instead of denying? I of course contacted them to address the issue and told them that there is proof that they RAN my credit report the day of my application, so how can they run my credit report with my name, dob, ss #, address, phone number and esignature yet not verify my identity? The Bank refused to rescind the credit inquiry that they messed up and now I have an inquiry causing me negative impact to my credit report because they did a hard inquiry and then rejected my application after their representatives failed to do the underwriting correctly. I filed a PA attorney general complaint to address this issue with Synchrony Bank as they refused to amend their negligence ... instead of contacting me using the number or email provided in the complaint, which is also in their records for the XXXX XXXX and a XXXX XXXX, ( so provided correctly 3 times ), they replied three months later stating they attempted to contact me via my old phone number which I never provided them on any of these applications... So they refused to mediate with me, refused to amend their mistake and have caused me damages by virtue of negative credit impact due to their mistake. For further insight, in the same month I also applied for a XXXX XXXX who also use Synchrony Bank and I was approved for {$2000.00}, they performed the exact same underwriting procedure for both LOCs, just one they messed up and refused to fix their mistake. I have recordings of their agents refusing to accept responsibility and help me, and even caught lying on record, HOWEVER, the CFPBs limited file size of 10mb isn't large enough to permit attaching to this complaint... I offer it in an auxillary email attachment as needed, please ask me for it, I'd love to send it over to the CFPB for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never opened a JCPENNY Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at JCpennys. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXXXXXX XXXX and XXXX which I never opened with high balances that were put into collections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/22, I applied for an Amazon credit card on their website. I was immediately denied a credit card. I know that they have 30 days to respond under the FCRA rule 640.4 ( c ) ( 3 ) but this is the second time I applied for a credit card and no notice of adverse action was ever sent to me. The last time I applied was over 2 months ago and no reason for denial was ever sent to me. The last time I applied I had credit score of over 700.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My ex-wife filed for bankruptcy in I believe, early to XXXX -- we separated in XXXX and divorced in XXXX. Months later I noticed a delinquent account on my credit report to Synchrony Bank for a " Care Credit '' charge account. I contacted Synchrony about this and they claimed I was on the account. I stated I was not, and even my ex-wife states to this day that I was not on the account. When I protested it, Synchrony sent me a claim review letter that stating I was on the account because " Payments have been made by me on this account '' and " The account has been open for more than 12 months with statements sent to you. '' Both are false -- I have never made a payment to this Care Credit account, and I never once received a bill. In fact, the first mail I received from them was that claim waiver, and it was addressed to " XXXX XXXX, '' so they don't even have my proper name and I have never gone by that alias. Also, I have now and in the past had four Synchrony accounts, and have never been late on one of them. Why would I suddenly stop making payments if the account was mine. And, I can see every account with Synchrony with my login online, but yet the Care Credit account does not show there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A