Date Received: 2022-04-08
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 ordered XXXX ottomans through XXXX with my synchrony bank/ snazon credit card back on XX/XX/2021. Merchandise was supposed to have been delivered to my house no later th a n XX/XX/2021. Total amount was XXXX. I am on 6 months deferred payments and made my first payment XX/XX/2021 of XXXX to date I have not received merchandise. I contacted synchrony bank and they told me account is under investigation but that XXXX XXXX and XXXX show items delivered. XXXX web XXXX ite shows delivered to a garage. My house has NO garage. To date I am still waiting on refund and am b e ING charged late fees while account is still under investigation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application denied for cards not applied for : XX/XX/2022 -- Synchrony Bank -- application for XXXX XXXX card XX/XX/3033 -- Synchrony Bank -- application for Ashley Furniture card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29201
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Synchrony Bank Care Credit account statement closes on the XXXX and is due on the XXXX. My promotional balance is due on the XXXX, so I scheduled payments for the XXXX so that I would not be late on my promotional balance. I got charged late fees for XXXX months, {$37.00} and then {$49.00} even though I had been paying my statement ahead of time. I called and the automated voice mail reversed the first fee and then they sent me a link to fix any other issues. The link did not work, so I called back the second day and after an annoying automated phone system, I was able to speak to a very nice lady XXXX who told me that the reason I was being charged late fees is because I was paying my bill on my statement closing date! I was ahead on my payments but getting charged late fees! That makes no sense. I wonder how many people end up just paying it. I have had issues with this company before, charging me late fees when I had a balance, and they did not apply my balance to my expense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for a Sam 's Club Credit card in XXXX or XX/XX/XXXX. I was told at this time I could use the temporary card immediately. I assumed that my membership number with Sam 's Club would be the credit card number. This was my mistake. I made two on line payments through XXXX XXXX for purchases made. When I received my credit card from Synchrony Bank I realized my error and wrote a detailed letter to the bank explaining my error and asking that the {$110.00} payment from XX/XX/XXXX and a {$250.00} payment from XX/XX/XXXX be returned to me. I gave them my Sam 's Club account number to assist them track the payment. I also paid these sums when I received the credit statement not to be delinquent. I contacted the banks complaint division and talked to numerous managers over the past 8 months trying to resolve this issue. I contacted XXXX XXXX and had a three way conversation with Synchrony Bank, Representative 's from XXXX XXXX XXXX on line payment centeXXXX verifying that the payments where made and received/cashed by the bank. The Bank constantly had additional questions and when I requested thaXXXX XXXX XXXX ( who I made the payments through ) speak in my behalf ; this was denied. The last two conversations I had with Managers at Synchrony Bank said that they would ask that the money be returned to me immediately since it was taking too long to resolve and the second Manager ( when I did not hear anything concerning the return of my funds ) said that she found that the dollars where applied to the wrong account and she would correct this. That was 2-3 weeks ago. The account in question ends in XXXX as referenced in the banks letters constantly stating they are looking into it. I have made minimum 10 calls and everyone I talk to says they will requests the problem be taken care of but nothing is ever done. ( No one has the power to resolve the issue ) I am asking for your help. This has been going on for over 8 months and this bank owes me this money and I believe has treated me poorly.. They would be charging me 20 % interest if I had not made the additional payments which where not credited and I believe I have done everything within reason to resolve this and am being ignored by this institution. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53188
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank has closed down my XXXX XXXX XXXX store card without my knowledge or consent. I found out about it from my credit monitoring company. The account was in good standing, never late, and it had {$0.00} balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
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: Someone opened a credit card account using my name and Social Security number and made a large purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: First off, i financed the motorcycle and it got stolen a month later. Even after being stolen I always kept paying until XXXX when I stopped receiving my bill letters and when I called the creditor they said they didnt have any account under that social security number. Called again before I XXXX towards the end of XXXX and they said the same thing, I thought maybe they found the bike or it was like a COVID relief thing. When I came back from XXXX in XXXX i downloaded the XXXX app and few weeks later after that I got this notification of my credit dropping almost 100 points. I never got anything from anybody stating I was going into collections and nobody ever contacted me. I think its unfair that I tried to contact the creditor and they said didnt have an account with them and they just sent me to collections without trying to resolve this issue by avoiding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76544
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
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 just paid off my sams club credit card in the amount of {$420.00} for a {$400.00} credit limit. I received a notice that my credit limit was dropped down to {$160.00}. I called the customer service and asked where is the rest of my credit and they stated that it is their discretion to drop credit limit because it is a loan. I explained to them it is not a loan, it is revolving credit. I then told them they owe me XXXX in credit because i paid the whole amount off. I got no where. They kept trying to say its a loan which it isnt, its revolving sams club credit card and I'm still unclear as to why they even dropped my credit when i just paid off {$400.00}. Last week was showing the current credit limit because i paid {$100.00} in Sam 's memebership and then bought a few items online for about {$55.00}. Now, i only have a credit limit of XXXX and I truly believe they are purposely doing this because i paid it off. They have already said when i do pay the full amount, they place it on hold because they don't like full amount payoffs. I believe this is in retaliation for my full payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Please can you delete this company I applied once and when I look at my report there are several tries. I do not have a card with this company please remove SYNCB/TJX CO DUAL dates listed are incorrect I never applied. XX/XX/XXXX XX/XX/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: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: The end of XXXX Synchrony bank sent me an email that I did not pay my XXXX bill for {$38.00}. Upon checking my statements I saw I did and contacted them. They said they'd wave the late fees until I could prove that I had. I filed the paperwork along with a letter from my bank showing them the payment along with a tracing number. At the end of XXXX I received another email from them saying they were removing the late fee of {$29.00} plus {$0.00} cents interest leaving a balance of {$9.00}. If I paid the {$38.00} on time which I've proved that my bank says they received, Then how can I owe {$9.00} when I sent the whole amount. This is the worse bank I've ever seen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A