Date Received: 2022-04-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Some time before XX/XX/XXXX, I had applied to Synchrony for a credit card ; however, Synchrony said that it could not identify me, and thus rejected the application. However, Synchrony did a hard credit pull, and refuses to remove it. If Synchrony is saying that there was a problem in identifying me, then it is against due process to consider that I was the one who had applied for credit, and thus the hard credit pull should be rescinded. Surely there is something in the Federal Code that requires a rectification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They call several times a day. When I asked what account and the amount I owed they are unable to provide information and keep asking for my personal information
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: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: They told me I don't have late fees on their records must report to bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I found that my credit score had been dropped by XXXX points by synchrony Bank for a balance that was yet to be owed. I spoke with the bank who said that they would fix the problem. I checked my credit report and found that they did restore my credit score, but as of today XX/XX/XXXX synchrony bank has infringed on my credit score again dropping it by XXXX points for some erroneous reason. Synchrony bank is infringing on my rights under the California fair reporting act. Their hijacking of my credit must stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
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 a purchase from Ashley XXXX on XX/XX/XXXX for some tables for XXXX dollars and I was told that they will only charge me when I pick up the items. On XX/XX/XXXX I picked up the items but when I looked at the Ashley credit card by synchrony bank it showed several pending transactions which I never authorized and the charges were for XXXX dollars and XXXX dollars and XXXX dollars which all were unauthorized charges and have been pending charges since last XXXX XX/XX/XXXX. I called synchrony bank Ashley credit card and I talked to their customer service and I told them that these pending charges should be deleted and they should have been dropped a long time ago but they did NOT fix the issue and now I have several pending charges for things that I NEVER bought and I never authorized. Ashley credit card by synchrony bank should delete all the pending charges on my account because I did NOT buy anything and I never authorized these charges. I am already billed XXXX dollars for the items that I bought and there should be NO other charges at all and NO pending charges at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Date of transaction : XX/XX/XXXX transaction for {$990.00} purchase made by XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent charge ) to card ending in XXXX. Bill received XX/XX/XXXX. Contacted Fraud Department. They stated they would check into fraudulent charges and opened new card ending in XXXX. Balance transferred {$1300.00} to new card. Owed {$310.00} of balance on previous card due to legitimate purchases which was paid on XX/XX/XXXX to pay the balance in full. XX/XX/XXXX Received statement with balance of {$990.00} to new card ending in XXXX. Called on XX/XX/XXXX and spoke with XXXX. She stated the fraud was resolved on XX/XX/XXXX. Transferred to XXXX Department and spoke with XXXX who stated to hold off on next payment and that fraud was resolved XX/XX/XXXX. XX/XX/XXXX Received statement for {$1000.00} talked to XXXX in customer service who transferred me to fraud. XXXX stated she was sending to finance team to double check. She could see it was double credited and she is sending it back to the fraud investigation team. Direct phone number provided. XX/XX/XXXX Called for update, spoke to XXXX, stated it would post in next XXXX hours. I chose to cancel my card that day. XX/XX/XXXX Another statement received {$1000.00} due. Talked to XXXX in Fraud Department who stated he would send an email to the investigation team of why the amount was back on the card. He said he would send to investigation team. Call back in one week and it would be cleared. Nobody called back and no supervisors to talk to. XX/XX/XXXX Called again after receiving XXXX emails offering to help me catch up on my delinquent card. She said she could see that the amount carried over in error and fraud XXXX said it was correct and money was owed. She stated she would send email to corporate office and fraud investigation team. Asked for call back and stated that I would go to XXXX if I had not received a call back by XX/XX/XXXX. No call back received. She stated they dont call back and requested another XXXX hours. XX/XX/XXXX After several calls on XX/XX/XXXX no call back received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Been a client for years and closed my bank account. Setup autopay under the new bank account and Synchrony still lost my payments. They charged me for late fees and closed the account despite my perfect payment history for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed without no reason. Account was closed XX/XX/22 ( Synchrony/Rooms2Go ) which after calling company, they say it was closed because they monitor credit report. They are saying they are getting information from XXXX but after checking myXXXX credit score, the organization is telling me that my credit score was low. After checking, my credit score was and is XXXX. When trying to explain this, the supervisor proceeds to be very aggressive and vulgar with me and my spouse. We are requesting for this company to be investigated for there practices which we are possibly not the only ones that dealing with this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have 2 hard inquiries from 2 companies that no longer has my account open I know because previously called them a week agoXXXX refused to remove these the accounts below SYNCB/PAYPAL XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Before I opened a credit card with Lowe 's, I read some of their policy. I was a member of one of their top competitors so I check to see if they offered the same benefits of being a card member. I made a purchase with them and later hated my purchase, the item was part of a set I had years before opening a credit card. When I tried to take advantage of my Lowe 's Advantage Card, I was denied making a return. I wrote to the Corporate Office but received no response. When I contacted them by phone, they seem confused by my request but after reading it online, confirmed the return policy. I was told to contact the store near me and speak to the manager but that didn't go well. I am not a fan of the bait and switch. I don't like for companies to offer incentives with their credit cards but don't respect that when you remind them of their policy. My suggestion would be to remove this off their website if it is not true. Please see message on their website : Most new, unused merchandise can be refunded or exchanged with proof of purchase within 90 days of the original purchase date, unless noted in ourReturn Policy Exceptions. If your purchase was made with a Lowes XXXX Account ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) or XXXX XXXX XXXX XXXX XXXX ), you have 365 days from the date of purchase to return the product, unless noted in our Return Policy Exceptions. All returns are subject to system approvals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A