Date Received: 2022-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: To the CFPB I lost my income in 2018 since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband 's XXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is XXXX XXXX XXXX XXXX and Synchrony Bank. that's why I want to file a complaint against Synchrony bank and XXXX XXXX XXXX XXXX for their joint effort of Harassment and continued collection and illegal activity. synchrony bank and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you
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: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
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 purchased a couch and love seat from Ashley furniture online on XX/XX/22 using my Ashley XXXX credit card. An hour after making the purchase I canceled the order. Ashley furniture charged me for the canceled items. Neither the store nor sychrony bank will help me remove the charges even though it shows the order was canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61401
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a {$1000.00} limit on a synchrony XXXX for about a year. I was surprised they approved me due to credit score issues. However, I used the card during the pandemic to stay afloat and made sure to make EVERY payment on time and often made more than the minimum. I was able to pay it off completely and was so proud of myself. About a month after I paid it off, I received a letter stating they were closing my account. I was a good client. There has been no change in my credit history or housing situation. The letter is non specific and when I called to inquire, the rep couldnt help me. If this is how synchrony bank treats its good paying clients, I want no part of their bank. I think its horrible that the punishment I received for paying it off is a closed account which will further damage my credit history. I wish I never dealt with them at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2018 I ordered a kitchen aid mixer from QVC on a payment plan. I never received my mixer. I called them to tell them that they said they couldnt send me a new mixer and to dispute it with my bank. Which I did. Now its in collections why do I have to pay for something I never recived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Purchased a {XXXX} that qualified for Lowe 's 84 month fixed interest plan and had a second ticket that same day for {XXXX} that was wrung up at the store for 6 months deferred interest. We originally wanted all items ( both tickets ) on one ticket with the 84 month fixed interest terms. Minimum purchase requirements for the 84 month fixed interest was {XXXX}. The lowes clerk called the credit department for us and told us they added the smaller ticket to the bigger purchase with everything on 84 month fixed interest. Two years later I noticed my minimum payment dramatically increased and that they tacked on {XXXX} in interest charges. I checked my account and the smaller ticket had the 84 month terms ( which the amount didn't even qualify for those terms ) and the larger amount that originally qualified had been change to 2 years deferred interest. I was never told of this change at the Lowe 's here in XXXX XXXX. I went to Lowe 's on Sunday morning XX/XX/XXXX to question the charges and the best the store offered was to pay off the balance ( {XXXX} ) by XX/XX/XXXX to avoid the deferred interest. I then got home and called Lowe 's that morning at XXXX cst and talked to a " XXXX '' who put me on hold and the came back acknowledging the error on Lowe 's part and told me the interest was coming off and that I did not need to make payment. I confirmed repeatedly with her and she said it was fixed. I called the credit company back XX/XX/XXXX to double confirm and the rep I spoke to looked at the notes and confirmed I didn't have to pay ( which I was willing to do ). I was told by XXXX on the XX/XX/XXXX call the interest would be off by next next billing cycle which was " XX/XX/XXXX ''. That date came and the interest was still there. I called the credit company back yet again XX/XX/XXXX and that rep said it should be off by XX/XX/XXXX. That date came and it still wasn't off so I called back yet again on XX/XX/XXXX at XXXX and the rep I spoke to on that day said that " a request to change the promotion terms '' had been put it but it was not a guarantee that the terms would be changed. I asked about the interest and that fourth rep said I was locked in since I missed the XX/XX/XXXX deadline. I asked her why was told not to worry not once but twice by two different Lowe 's credit reps and she didn't have any answers or want to answer that question. My complaints are not just they messed up my account dramatically but they also misrepresented the situation to lock me into an interest charge I originally didn't sign up for. Any help at all on this would be appreciated..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 746XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my Sam 's Club credit card monthly amount for XX/XX/XXXX of {$4400.00}. During XXXX, our Sams club card number was stolen, so they sent us new cards with new account numbers. My wife, who pays or bills, erroneously sent the payment under our old SamsClub credit card number, not changing the number on her billpay under our XXXX Checking account. When we received the XXXX statement in XXXX of XXXX, our payment was not recorded. I called Sams Club and told them we paid it, and when we paid it, and sent them a copy of my bank statement, and they said they would credit back my account for the original payment made on XX/XX/XXXX. So, we paid our XXXX amount. However, when we received the XXXX statement, Sams club issued TWO credits on that statement, then also TWO debits, in effect nulling out the credits. So I called Sams Club again, stating what had happened previously ( 2 hours on the phones ), and they said they received the proof of payment, that it was their mistake, and they would rectify it on my XXXX statement. When I received my XXXX statement, I did receive the credit for the payment, and was very happy. The XXXX statement was also clear of any erroneous charges. Then I received the XXXX statement, and XXXX and behold, they placed the {$4400.00} charge back on my bill. Once again, I got on the phone for XXXX hours, explaining the excruciating history of what was happening, and, once again, Sams club rep looked at the history, looked at the proof of what I sent them, apologized profusely saying they will issue the credit, and that it will never happen again. I received my XXXX statement, and they issued my credit of {$4400.00} once again. Now, I'm starting to get nervous. I have XXXX XXXX, and this was setting me on edge. I received my XXXX statement, and everything was good, no problems with that statement. Then, once again on the XXXX statement, yes, you guessed it, Sams club/Synchrony bank once again charges me for the {$4400.00}!!!!!!! I couldn't believe it. I'm feeling harassed at this point. Sooooo, once again, I get on the phone with Sams Club, and for another 3 hours, explain to a XXXX ( manager at Sams Club Credit Card Services ) my plight. Well of course, she's shocked! She can't believe this is happening to me! She will get this straightened out, and right away!! She asks me to fax her my XX/XX/XXXX bank statement ( again ) proving I sent the payment. I did, and she received it, verifying receipt over the phone, stating she will put it in the file of my all my problems for this payment. I asked for an email from XXXX XXXX Sams Club ) stating the problem was resolved, and she sent it to me, and I have attached all the backup throughout the year of what has happened. So, I got my XXXX Sams club statement, and seeing that Sams Club gave me the credit for the payment, I was elated. XXXX!! But, all the while, secretly thinking, all along, that this wasn't the end. And, it wasn't. I received the following statements from Sams club, XXXX, XXXX, and XXXX, and all were clean as a whistle. THEN... I get text messages from Sams club whenever my account goes over {$5000.00}, and I received a text message from Sams Club on Saturday XX/XX/XXXX stating I was at {$9000.00}. My heart sank. I knew my wife nor I had made any huge purchases, so I got on line on my Sams Club account to review the acitivity. And there it was. Once Again. The put the {$4400.00} charge from EXACTLY a year ago back on my account!!!!! THEY PUT IT BACK ON M ACCOUNT, AFTER ALL THEY PUT ME THROUGH!!!! I was at an apoplexy, I was ballistic, I was raging mad as XXXX. I have had enough. I want not only my credit issued back, but I want remuneration for the ABUSE these people have put me through. I found the charge on Saturday, XX/XX/XXXX, and I had to go to the ER THAT SAME DAY because I thought I was having a XXXX XXXX, all due to this. I am not lying here, I will have the hospital bills to you as soon as I get them. They said it was only a XXXX XXXX, but I truly thought I was XXXX. I am so sick of this, my XXXX XXXX is through the roof. I have done everything they have asked me to do, and they still XXXX, harass and badger me to no end. I HAVE PAID THIS XXXX BILL!!! And they won't leave me alone. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a copy of my credit report. There is an account on there that I did not open. I have no knowledge of it. It has been opened by identity theft. The account was synchrony car care credit card. SYNCB/CAR CARE SYN CAR Date opened XXXXXXXX XXXX XXXX Account type Charge Card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have had a checking account at XXXX XXXX XXXX XXXX XXXX XXXX Florida since 2010 my checking account number and pin XXXX XXXX. I have been using my checking account to pay my Amazon XXXX monthly bill using auto-pay from Amazon synchrony Bank whose address is Amazon. XXXX XXXX. this has been working smoothly for 10 years. On XX/XX/XXXX I received a notice from Synchrony Bank that my Amazon store card has been closed down and I may not get another one. I contacted Amazon synchrony and they told me that I must contact XXXX bank which recently merged with XXXX XXXX become truist. XXXX has had numerous customer complaints about funds not being available debit cards not working and all kinds of banking errors. I looked on my synchrony Store card account and discovered that the digits to the last 4 numbers of my checking account were transfer so it didn't say XXXX XXXX any longer it was a different number. Amazon said my payments were being declined. I could not understand this as the account has over {$600000.00} in it. Finally I found the problem and I corrected the payment method by opening a new payment source using the correct checking account number and correct routing number from truist. I can only assume that truist made a digital error or keyboard error in entering my account number when the name of the bank changed. I would like the result of this complaint to be that synchrony accepts that this was a banking error in involving keyboard and not the consumer 's fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Problem with customer service
Subissue:
Consumer Complaint: I did speak with customer service from Synchrony Bank about JCPenney. My card was closed in XX/XX/2016. They keep to stay my negative account in credit bureaus for 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an Amazon store card through Synchrony Bank. It has charged me something called " XXXX XXXX XXXX '' since my XX/XX/XXXX statement. However, I didn't notice before because the charge was small, and I didn't check my statements. I don't recall ever being notified or agreeing to this charge. On XX/XX/XXXX, I called the number listed on the charge ( my statements have it listed as a fee ), and I initially thought it was fraud. I called the Amazon store card customer service number 3 times to try and report it as fraud. They told me it wasn't fraud and I had to call the number again. I believed it was in fact fraud, so I closed my account. I closed it on XX/XX/XXXX. However, my XXXX statements show I was charged {$19.00} on XX/XX/XXXX, even though my account is now closed. I called the number on the charge today and entered my account information that I verified is correct and was told it is wrong. Then I called the Amazon store card support and was told I need to call the number on the charge to cancel. The Synchrony Agent also couldn't tell me how my account is still being charged when it is closed. Since XX/XX/XXXX this fee has charged me a total of {$180.00}. I just found out this XX/XX/XXXX, but the ordeal since then has been very stressful. I definitely think this business needs to be investigated. I have since searched for similar stories with Synchrony to my own and found quite a few. Though I seem to be the first they continue to charge once the account is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A