Date Received: 2023-12-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Noticed my Synchrony Bank XXXX XXXX credit card account was closed without any notice in XXXX. Never missed a payment. I asked why my account was closed and was told it was due to my credit score. I asked where in my contract it stated that, and why I never received notice. Was then told there was nothing that could be done and was not given any further explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I asked instead of getting a refund that the extra payment be applied to the next payment. They would not do that even though I have done this with other synchrony bank credit cards. I have to talk with two supervisors to even get this done.
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: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My credit card was moved from Synchrony bank to XXXX without my consent or authorization. I never received information of my credit card being sold or transferred from synchrony bank or XXXX. I was never made aware of the fact that I have or had the option to opt out. I never received any package from synchrony bank or XXXX for opt out option. They violated my right and took advantage of me. XXXX and Synchrony bank both should be held accountable for these actions. If I had known that synchrony bank was selling their credit card business to XXXX, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on reddit and all over the internet that I have come to learn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: On XX/XX/2023, at TJMAX XXXX, MT XXXX, I purchased {$53.00}. Out of this amount, {$1.00} was paid through a gift certificate, and I paid {$5.00} in cash because I couldn't find the receipt. However, the transaction was attempted through a Mastercard, not a store-brand debit card, as it seems to be recorded. This mistake is negatively affecting my credit, and I need it to be corrected as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
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: This goes back to a previously filed complaint for I ordered an item on XXXX on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with 3rd party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why I havent received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I purchased a couch from crate and barrel on XX/XX/2023 with total cost of XXXX $ during that time frame, crate and barrel had a XXXX day promotion if you sign up for the crate and barrel credit card you will receive a 20 % back reward points total of XXXX $ from my purchased. I applied for the crate and barrel card to receive the reward points, but instead of charging to the new opened crate and barrel cc, the purchased automatically was charged to my XXXX card hat was already on-file. Multiple attempt was called to crate and barrel customer service to reverse the charge from my XXXX card and to be transferred to the crate and barrel card. On XXXX of 2023 the issue was resolved and I was informed that I will received my rewards point 1 to 2 billing statements with the 20 % promotion. On XX/XX/XXXX my first billing statement came and received {$720.00} rewards point. I called the crate and barrel synchrony bank customer service on XX/XX/XXXX to follow up on the remaining rewards point that was owed to me. On XX/XX/XXXX a resoulution was made and was informed that I will received the remaining rewards point in 2 billing cycles. On XX/XX/XXXX I called to follow up and was informed that it will be posted on my XXXX statements. XXXX statement came and the remaining rewards point did not apply. I called once again on XX/XX/XXXX to follow up and was told that it will be posted on the XXXX statement. The XXXX statement has uploaded and still no reward points. I called the 4th time on XX/XX/XXXX and was transffered to XXXX ( the account manager ) and was informed that all they could do is to follow up once again and to wait the for another 1-2 billing cycle. This issue has been ongoing since XX/XX/XXXX the day I signed up for the crate and barrel card. Totalling of 7 months. At this point XXXX XXXX promotion and XXXX promotion has been posted with many sale that I could not partake due to not receiving the rewards point that was entitled to me. In addition, I asked for a copy of the note that was inputted in my account with all the interactions that I had with their customer service representatives, but was informed that I could not get access to the information/interaction. I am concern that many will fall victim to false advertisement and that synchrony bank is purposely withholding the rewards point during the holiday season to benefit them rather than the customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My due date for my TJX credit card is the XXXX of every month. Since most of my bills are due on the XXXX, I requested a due date change to keep in line with my other bills. The change was requested on XX/XX/XXXX I believe. Prior to the change request, I was told the changes would take effect the next billing cycle which I understood to mean I would get my next bill XX/XX/XXXX ( the statement closing date is the XXXX of every month ). I continually checked my account looking for my XXXX statement, there wasn't one. I contacted the company asking why I didn't have a XXXX statement ( my current statement balance is over {$2400.00} ) and I was told my next bill won't be until XX/XX/XXXX! I advised that would make my statement balance too high for me to pay as I would have gone a whole month without a bill and this is my primary credit card. The representative advised me due to the change, I would not be receiving a bill until the change takes effect. I have almost always paid my statement balance in order to avoid paying interest and not having a bill for a whole month as this is my primary CC would mean I wouldn't be able to Pay the next statement balance. The company was not helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I paid off the Amount due of {$130.00} to XXXX balance on my Lowes/Synchrony account. In XX/XX/2023 I got a call from collection of the charge of {$75.00} that was late. At that time talking to fraud dept. I asked for it to be disputed to be started for I did not make the charge and at that time Lowes/Synchrony time closed my card and issue a new card. then the phone calls had begun some times up to 3 time a week each time I explain the problem to collection person and they when and checked on hold most case 20 to 45 minutes. I ask to be sent to fraud XXXX. and found out there had no be disputed filed again file aa dispute yup sad they did this when on until XX/XX/2023 they finely file a dispute they have until XX/XX/2023 to decide the out come. In the meant time they file report to credit companies of non payment on 30 day later and balance due credit score drop for XXXX to XXXX other companies cut lines of credit also. Lowes/Synchrony harassment , intimidation and just scare tactics to try to get amount paid no matter what and delaying to trying to get the customer to clean up their mess and pay the bill. They also did not follow Red. E requirements that is set in place by the Gov.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank will not allow me access to my accounts for the ongoing of three months. I have thousands of screenshots.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A