Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company listed below appeared on my credit history due fraudulent credit card application being submitted using my name. 3. Company : SYNCBJC PENNEY PLCC My Actions : I've called the number, ( XXXX XXXX ), associated with this company on my XXXX credit report and have also reached out XXXX XXXX as well. I asked the lender to close the application/card to be closed and to have the inquiry removed. I also asked XXXX to also remove the inquiry. They told me report fraud through the FTC and I have done so for the second time. Outcome : I will need documentation from Synchrony Bank stating this inquiry doesn't belong to me so I can move forward with XXXX because the inquiry remains on my credit report. The last time I submitted a CFPB complaint, I was sent a PDF document relating to another person and I have attached that as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94579
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX XXXX XXXX, I bought a new set of XXXX tires for my car at Pep Boys in XXXX, MD. When purchasing the tires, I inquired about a credit card offer I saw online. The offer was to receive a " {$200.00} VISA prepaid card when you purchase and install a set of XXXX XXXX, XXXX, XXXX or XXXX tires with your Pep Boys Synchrony Care Care credit card* '' The * references a comment of " *In Store Only '', which was fine, because I was purchasing the tires in the store. The person who helped me said that I could fill out the credit card application and charge my tires, so I applied, was approved, and used the credit card for my tires purchase. I asked about the rebate and he said that it would be mailed to me. A couple months went by and I did not receive the rebate. So, I tried emailing Pep Boys customer support for assistance. First, they directed me to the wrong rebate - one sponsored by XXXX, not the Synchrony card. Then, they gave me a website for Synchrony promotions : synchronycarcare.sendmyrewards.com and a Synchrony phone number I could call : XXXX When I went to the website, they had rebate forms, but only for purchases in the then-current month of XXXX, none were applicable for much XXXX purchase. So, I called the number and asked for the correct rebate form. The person I spoke with said that I had to have filed the form within 30 days of the purchase and that she could no longer provide me a rebate form. I explained that I had been told that I would receive the VISA credit card and no further action was required on my part. Furthermore, the website promotion mentions nothing about a rebate form that must be filed. It does have an asterisk ( * ), which only refers to the need to make an in-store purchase. So, I had done everything in my knowledge and power to obtain the promised rebate. I asked if I could speak to a supervisor and was told she was the supervisor and that there was nothing more she could do. Attached is a copy of the web page showing the {$200.00} XXXX prepaid card promotion and a copy of the email exchange with Pep Boys customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: jcp was suppose to give 5 % rebate on XXXX purchase, also was not able to get 35 % off on online orders had to use another XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: on XXXX i XXXX : XXXX applied for a SYCHRONY BANK CARE CREDIT CARD on behalf of XXXX XXXX XXXX Ref id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did receive an email back that were going to look into it but since then nothing has happened, im going to file a civil cover sheet
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Purchases a XXXX XXXX lawnmower for {$3.00} XXXX on XX/XX/XXXX upon delivery the lawnmower was broken so we returned it to the store. On XX/XX/XXXX Lowes gave a credit in the amount of {$3100.00}. Leaving a difference of {$380.00}. We contacted them SEVERAL TIMES but nothing happened. My credit report dropped XXXX points because of the increase so I contacted them again on XX/XX/XXXX spoke with Name XXXX XXXX Id : XXXX Will submit to credit bureau Real balance is {$660.00} Who also contacted the Service Warranty department. Still today XX/XX/2023 Im being charged for a warranty for a return item and paying interest. I dont know what to do! My credit has suffered and I am suffering financially and I have no one to help! I dont have money for a lawyer please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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 received a letter from Synchrony Bank in which they stated I was already given a refund of XXXX dollars but I explained to the representated that credit was because of service, delivery, and production issues the manager at Lowe 's credit me nothing to do with the return of service. I do not think this representative did their job right and the credit card did not contact Lowe 's to see why I was not given a refund. Lowe 's works with this bank but they do not seen honest and willing to help understand why I never got a refund for my purchase or why the 12 months zero percent interest did not go through. Here is the background : This complaint is against Lowe 's Home Improvement store XXXX in XXXX IL. On XX/XX/XXXX, I had a XXXX XXXX delivered and when that was installed it started leaking water during the first test washer the installer had set up. I called up the installer and lowe 's and the installer came back the same day and wrote a report. Spoke with Sales Rep XXXX about this and did created a work order. I went back and purchased another dishwasher to replace the XXXX XXXX XXXX. I purchased a XXXX XXXX on Saturday XX/XX/2023 from XXXX XXXX and it got delivered on XX/XX/XXXX, but they did take the old dishwasher. The installer came on XX/XX/XXXX at around XXXX to XXXX XXXX came in to pick up and install the new XXXX XXXX I called the Lowe 's department store and spoke with the manager XXXX ( different than the installer ) I explained all the trouble and miscommunication because the story goes into more detail. XXXX gives me a credit of {$300.00} for all the issues and problems. XXXX XXXX was supposed to credit me back for the defective XXXX and until XX/XX/XXXX he has not. I called Lowe 's twice in the last month and no call back or credit from any Lowe 's manager or the Sales Rep. I am owed a refund {$1000.00}, taxes, and installation cost of {$250.00}. In addition, XXXX XXXX promised and said he would call to get my zero percent interest for 12 months. As of today, I do not see it on my statement. I told him twice and the manager XXXX too. This has been the worst experience I have ever received for any store purchase. Lowe 's rep and 3rd party affiliates took the defective dishwasher and no credit. I am concerned it might have been stolen or misplaced. I have text message screenshot and witnesses to everything that happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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 was charged XXXX on my Venmo account from an unknown apple bill. I checked and it was a subscription for some random company I have never even heard of. I tried to dispute this charge with Venmo, and they just blocked my Venmo card. The purchase was made on XX/XX/2022 and I have been fighting this case ever since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX 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: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company Synchrony Financial/Sams Club . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: There is an account that my name is joint with but I have not been with with person who opened the account in over 2 years but still uses my name for that credit line and I have tried to take my name off the account but I have no luck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94019
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A