Date Received: 2023-12-23
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: So this charge for XXXX needs to be credited back I bought a service thst was a supposed to be good for a year and it was not as advertised and the seller lied to me and ripped me off and lied to me. It turns out the service was only good for 6 months and the seller will not respond to me at all. And it wont answer my disputes or emails. I am really upset. I disputed this before and it came back I can only reach your company by chat because every time I try to call any of your XXXX numbers it says they are all disconnected its like you have some kind of block on my phone from reaching you. I need to dispute again and the chat people keep saying I need to call but I cant because every time I call you back the numbers are alll disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt collectors are reaching out to me nonstop for debt collection that I was not aware of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Synchrony bank notified me regarding a credit card for XXXX XXXX XXXX amounting to {$960.00}, I am not aware of this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX SYNCHRONY BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Credit card was applied for and filled about by store employee I was never given any information about Credit account - no interest rate, payment schedule or type of credit card. Lowes home improvement centers issued me a Commercial Contractors Credut Card. I am a XXXX single homeowner living on XXXX. .. this acct calls for full repayment of goods purchased each month Not your usual method at over time credit card. I can not afford these fees or harassing phone calls I feel my rights have been violated for I would have NEVER. Agreed to sign up for a card like this. Lowes I found out has five different types of credit cards- I was NEVER given a choice, I was sold a 5 % savings if I got a credit card. I was not told anything else about this credit card. The have been trying to fix it with lowes and synchrony bank for four months with no help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
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: I am writing this letter to Synchrony Bank and enclosing evidence to show The negligence of Synchrony Bank. I am experiencing a double charge to which Synchrony refuses to fix. I have worked along with ParkWest galleries to try and fix this issue. and Parkwest issued a letter stating I was double charged and will be working on it with SYnchrony. Thus far, nothing. They did say however, It is a Synchrony Bank issue. My following proof is numbered by me and circled in every top right corner of the page. Highlights are in my notes, with each piece of document that I have presented to you. 1. my invoices of my paintings that I purchased on XX/XX/2023. Since this date I have not made another purchase with ParkWest or use a Synchrony Credit Card. i. I put on a loan with Park West, nothing to do with Synchrony Bank. ii. the remaining balance was {$24000.00}. 1. {$20000.00} To Synchrony Bank credit card 2. {$4100.00} to my XXXX XXXX XXXX XXXX 2. my Loan contract with Park West that has nothing to do with Synchrony Bank . 3. financed paperwork minus my downpayment. i. {$60000.00} purchase price ii. Minus my downpayment of {$12000.00} iii. Equals My debt with Park West not Synchrony {$48000.00} 4. Another breakdown sheet and my credit card payments to Park West Debt, not Synchrony. 5. I highlighted my payments. 6. My credit card statement ( s ) that show exactly what I paid. 7. As my paintings were received by me I received my first portion of Parkwest Synchrony Bank debt of {$7600.00}. Date XX/XX/2023. 8. My last payment to my Parkwest Synchrony Credit Card of {$12000.00}. a. If you add the two amounts, guess what, it comes out to {$20000.00}. b. Look at the bottom of the page, under payment summary, it matches the total of {$20000.00}. 9. I was charged again for {$12000.00} taking my Synchrony Credit Card to a {$32000.00} debt. This is an erroneous charge. I was charged twice for the same painting. 10. I have called several times and even changed my card and called and had my account reviewed over and over and Synchrony refuses to fix the issue 11. I have made some payments in the process as you can see. From your webpage 12. My sales draft and promotional terms for my Synchrony Bank card, {$20000.00}. 13. Some emails that I am in communication with Parkwest. If you read their letter, It shows once again that I was charged double for a piece of art at the total disputed amount of {$12000.00} After my emails with Parkwest, I received an email from Synchrony sees this as a unique and not a duplication. This is absolutely ridiculous. I would like to receive a courtesy phone call to discuss this matter further. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33825
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported inquiry that was not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I had a credit limit of {$1500.00} for dental work. When I had to get a test done for my XXXX and I was told by my doctor 's office that it was not covered by my insurance, I place a {$75.00} dollars on this account. The credit card company sent out a new card to the wrong address and the person at the old address maxed out the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/ SYNCHRONY BANK closed and charged off a major credit card account ending in XXXX in my Name. SYNCHRONY BANK states they own the account, but they do not own my information in said account. SYNCHRONY BANK proceeded to sell my information to XXXX XXXX XXXX XXXX without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as SYNCHRONY BANK is a financial institution who is to remain compliant with the FTCs Gramm-Leach-Bliley Act. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX, XXXX has no enforceable contract with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX XXXX XXXX SYNCHRONY BANK closed and charged off a store credit card XXXX XXXX XXXX XXXXXXXX in my Name. SYNCHRONY BANK states they own the account, but they do not own my information in said account. SYNCHRONY BANK proceeded to sell my information to XXXX XXXX XXXX XXXX without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as SYNCHRONY BANK is a financial institution who is to remain compliant with the FTCs Gramm-Leach-Bliley Act. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX, XXXX has no enforceable contract with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A