Date Received: 2022-04-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Financial, the servicer for my Lowes Store Card has been charging me a " Card Security '' fee which is set via a percentage of my balance, every month apparently since 2014. I use the card quite often and had never noticed it before. The problem is, I have NEVER signed up for this service, I refuse it on all of my credit cards as it is expensive and I pay my bills. I started going through statements as far back as the website would provide and there is a charge every month as far back as I can go. When I called to figure out what was happening the nice lady that helped me said it was a check box on my application -- I know I did not check it for reasons mentioned above. I have never and will never use that service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74801
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On 3 occasions XXXX, XX/XX/XXXX and XX/XX/XXXX I have called and spoken with 3 different agents regarding the payments I made. There are different tiers of promotional purchases with specific expiration dates and several of my payments were posted to the incorrect promotion. On XX/XX/XXXX I was assured a couple of times that the payments were going to be reallocated to the correct promotion which was expiring on XX/XX/XXXX the promotional total was {$3300.00}, and not to be concerned. According to the agent if I then proceeded to make 2 final payments on XX/XX/XXXX of {$350.00} and {$89.00}, it, which would satisfy in full the promotional balance of {$3300.00} set to expire on XX/XX/XXXX. I was then told that after XX/XX/XXXX I could check my account balance and it would show that this promotional of XX/XX/XXXX would be satisfied and that I would then be able to see the next remaining promotional purchases due. Instead what has happened is that now my account is showing default for the promotional of XX/XX/XXXX and the new rep I spoke with, XXXX is telling me that I have a remaining balance. First she states it is {$700.00} and then she states it is around {$400.00}. I asked to speak to a manager. This manager then reallocated balances to correctly apply my payments but each time there would be a penalty fee showing, which I was told would be waived. As of today, XXXX there was a penalty on the promotional that I paid in full on XX/XX/XXXX, yet the penalty of {$160.00} was now taken off the XXXX expired promotional and added to my XXXX promotion increasing the payment from {$200.00} to {$360.00}. I spoke today with XXXX a Manager her ID is XXXX at Synchrony/ Care Credit XXXX which kept telling me that I was late, despite the several recorded conversations that I had with other Managers and Customer reps that assured me that I was not late and that my account would corrected. I have tried to get this corrected and don't comprehend why after all the notes, and recorded conversation this information is now new information to the rep and why my account has not been properly credited with all my payments. I would like this issue resolved as the interest rate of 27 % is not to be take lightly and I am a responsible consumer. I spoke with XXXX an Account Manager about XXXX XXXX weeks before speaking with XXXX today, XXXX. XXXX assured me after a 40 minute hold that she waived the interest/penalty, and corrected the promotional to show that it was paid off and that it would adjust in the system and viewable to me in 24-48 hours. However what I am seeing is a dishonest shell game being played. Interest was taken off the XXXX {$3300.00} and reallocated to my next promotional of XXXX. I have called at least 20 times to get them to correct this issue. But the final straw came after speaking with XXXX today, whom was not only insulting but basically called me XXXX regarding my conversations/which should be on a recorded line, and stating flat out that I was wrong. I am a conscientious consumer and have zero reason to fabricate my conversation. And it is black and white all of the payments made. Had care credit applied my payments correctly from the beginning and given me correct information I would not be dealing with an extremely stressful situation.On top of all this I received a refund from card security services of {$640.00} and made a payment of {$240.00} which should have taken care of My expiring promotion of XXXX. I am beyond disgusted with how my trust in this card is being handled. I want all my money applied to show that I have been making timely and then some payments and I'd like an apology for being mistreated by it's representatives. As soon as humanly possible I will be paying of this card and never doing business with them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
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 XXXX a XXXX provider charged my care credit card for services that were not recived. I filed a dispute two times. Care credit sided with the merchant even after having proof the provider was make false charges to my credit. Now I am being forced by the credit company to pay for illegal charges made by the XXXX provider. Ruining my credit even with all the proof that no of the services were ever received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
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/2022 I went online and purchased a printer and an all-in-one computer from the XXXX XXXX. When I purchased the computer and printer I was told I would be able to track my packages from the time of shipping to the time of delivery. On XX/XX/2022 I received tracking information for Printer XXXX # XXXX and the computer XXXX # XXXX. I was able to track printer all the way until delivery, but when it came to computer I could not track it after XX/XX/XXXX. The only tracking info I was given it was loaded on trailer XXXX XXXX at XXXX XXXX. and would be delivered XX/XX/XXXX by days end. On XX/XX/XXXX I received Printer but did not receive computer with my printer like the XXXX supervisor said I would and XXXX sales rep said I would and the chat line said I would. I put in dispute on XX/XX/XXXX about the fact I could not track my computer like I was guaranteed by XXXX when I ordered it and no one at XXXX or XXXX could tell me where my package was from XX/XX/XXXX to XX/XX/XXXX. I felt the computer was compromised and did not want it and on XX/XX/XXXX I put in dispute with PayPal Credit which is Synchrony Bank about the fact that I could not track my package and someone changed my dispute reason to not delivered and I did not say that. They would not change the reason for the dispute they would route me to XXXX or they would hang up on me. They were not trying to resolve my issue that I was having with my dispute and one of their agents on XX/XX/XXXX advised me they put my money back into my account but would not give me proof in anyway when I asked for it and today on XX/XX/XXXX I went to my PayPal Credit account and they have charged me for the Printer and the computer again {$1300.00} when I had already shipped the computer back on XX/XX/XXXX. When I contacted them today, I was hung up on by one representative and the other representative at XXXX advised me they do not handle financial transaction and the woman that did that should have known that. When I called back to get in touch with someone at Synchrony Bank about this problem their automative system did not recognize my contact information like my 4 digit account number or phone number. I am given to believe someone is going into my personal account and committing fraud by changing the reason for my dispute and taking money out unauthorized money out of my account without my permission. When I called back to find out what is going on I am given the run around. My concern is that someone is able to go into my account and change information without my permission and PayPal Credit Synchrony Bank are not trying to help me resolve this issue. Original reason for the dispute was I did not want to pay restocking fees for a computer I felt may have been compromised because I could not track it for 5 days and no one could tell me where it was located, not XXXX or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
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 purchases, may was misdelivered. I contacted XXXX the sums was supposed to be refunded. For the last 2 year, I'm waiting for several returned, the largest purchase being aXXXX XXXX that was never refunded. Because of the items not refunded, late fee, and interest fee has accumulated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX department store. I settled back on or before 2019 and it still shows up against me. Its clear on their end seeing that I already have another credit card through them. Its only showing on the credit reporting side that its still open and against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35055
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a credit card with SYNCRONY BANK ( TJX Rewards Platinum Mastercard. since XXXX. On XX/XX/XXXX I called the bank to make a payment of the amount of {$290.00} using my checking account. And after 30 days I closed the account. I received my last statement after 30 days and I noticed that my due amount was incorrect, because my payment of {$290.00} was not included. I called the bank again and they were going to open an investigation and see if they could find my payment. I provided the tractions numbers and I was told that it might be victim of fraud by some one else, but I was sure that the payment was made to the bank and also I contacted and spoked to someone from the bank. is being hard for me to fix this matter, because the employees at this bank care less, after the investigation I was told that they found the payment and they will return the money to me, and I got the check, but days after I received another statement denying my payment of {$290.00} from XX/XX/XXXX. I would like to report the bank for committing fraud and for lie to me. Please let me know if you need any information from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I paid my Sams Club XXXX XXXX balance in full. On XX/XX/2022 I received an email from Synchrony advising my payment was posted from my credit union. When I logged into my account my account said {$0.00} Balance, {$0.00} due and {$0.00} available. On Tuesday XX/XX/2022 I checked my balance and it said the same. I called Synchrony and asked about why I had {$0.00} credit available. I was advised it will be locked for 4 more days because of the amount paid toward my account. I then was transferred to a manager XXXX. He advised me I was lucky they didn't lock my card for 21 days to insure I didn't dispute the money and get it back. Why am I getting punished for paying my balance in full? I never abused my card. Always had my payments in on time. My balance got a little high due to the pandemic and I was finally able to secure a loan to pay off my debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2020 there is a hard inquiry on my credit report from PayPal. When I reached out to PayPal to look into it the automated system stated that there was an open credit card in my name. I have no history of receiving any type of credit card from Pay Pal and asked them to look into the card and close it as well as remove the hard inquiry from my credit report. The woman stated that she did not see any history of my information in her system and therefore could not remove it. However, the information is on my credit report and I never received any type of Pay Pal credit digitally or via a physical card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A