Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for a Synchrony Bank Crate and Barrel Credit card based on advertising by the sales associate of rewards and payment plan options. I was told that I can chose one or the other not both. Also told me the rewards don't expire per say, even though it will show an expiration date I can just call customer service and theh would reinstate it. So last year some rewards expired and I called as told and got them reinstated without any questions or issues. Now again some new rewards expired earlier this year and now I called customer service they are denying that they would ever reinstate rewards, even though my rewards history show my rewards being expired and then reinstated in the past. I want to just be able to use my rewards as promised. If I were aware if permanent expiration of rewards I wouldn't have gotten this credit card because how often would I shop at a furniture store. I'd rather accumulate other points and services on my other credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom it may concern : Im a XXXX XXXX Veteran who decided to purchase my furniture at Ashley corporate store in XXXX FL, for the Veterans discount. When I was in the store, the associate was nice and we ordered {$10000.00} worth of furniture. However, after our purchase, everything went down hill from there. Ive ordered furniture from XXXX XXXX in the past and experienced better customer service ; yet, I didnt pay premium price ( 75 % less ) for my furniture. 1. ) I purchased the XXXX bed that came to me with a bang/scratch on the foot rail. Brand new furniture and the store nor customer service provided me with either a discount, or a brand-new replacement/foot rail. Instead, I have to wait for someone to come out and fix it. I understand if I was utilizing the furniture for some time, and I utilized my insurance ; however brand new out of the box??? That is your solution. 2. ) The store ordered the wrong mattress for me ( XXXX ) and I had to decline it. When I called the store they said technically I should have verified that on my sales slip. Are you kidding me? I spent over 2 hours picking out my furniture and then signed everything. How can I tell which mattress is on the sales receipt when it only shows the item number without a name. That is the sales associate responsibility who I worked with and spent over {$10000.00}. They ended up sending me my correct mattress/ replacement ( XXXX ), but the delivery driver brought it in a box. I paid for premium service and I received a mattress in a box?! I want either a discount/refund for premium service or a new mattress already inflated like I original received. Its still sitting in the box and I called customer service who couldnt really provide me a solution, only opened up a case number. Im a XXXX XXXX and I leave for work this coming Sunday ; I wont return until XXXX. 3. ) Some of my furniture went on sale the next week for XXXX XXXX and I called the corporate store three times to speak to the managers to get a price adjustment. Its now almost a week later and no one has returned any of my calls. Are they waiting until the price goes back up so they cant provide me the discount? Is this how your corporate stores are managed? Completely awful customer service!! This is how you treat veterans?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 a purchase of XXXX but run incorrectly. The vet office called Care Credit to explain she ran it as a regular purchase, but it should have been a promo purchase. In XXXX and XXXX I made mulitple calls to Care Credit 's customer service to correct this charge. On XX/XX/XXXX I escalated to a manager ( XXXX ) who promised to get it fixed. On XX/XX/XXXX Care Credit added the promo purchase but never removed the regular purchase. The next week I saw this and called a Care Credit manager again ( XXXX XXXX and explained. Then again I called another Care Credit manager on XX/XX/XXXX ( XXXX ) and again on XX/XX/XXXX I called another Care credit manager ( XXXX ). I also filed XXXX disputes in their portal. Today, XX/XX/XXXX I spoke with XXXX with the care credit specialist team who said the same thing everyone before his said- the charge needs to be removed but they can't do it, only the " back office '' can and put in a request. The back office is not removing the regular charge and no one knows why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an account with PayPal Credit ( Synchrony Bank ). I have a transaction that has 6 months no interest. it started at {$4100.00} I have made numerous payments over the minimum and the balance is now {$1300.00}. I payed {$900.00} then a week later I paid {$300.00} as well as {$75.00} every week. Not one XXXXXXXX has been applied to that balance, its all going to other places that are on monthly programs ( 24 equal payments ). I have called them and asked why its not going toward that and they tell me that I must meet the minimums on all programs first ( {$100.00} ) but even at that, nothing was applied to that other purchase.
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: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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: Note : This is to notify you that, I would be considering this as a final response on behalf of Synchrony Bank, and given if Synchrony Bank decides not to fight the dispute with the merchant and just accept the fraudulent act not only did they never cancel my reservation but also showing my number with some other number communication that I have interacted which is totally fake and I have not had any such correspondence and neither of the reported issues was resolved. As I provided the evidence they never responded to my emails or cancellation requests. In that case, I would have no other option but to take this issue with Legal and keep Synchrony Bank at fault for acting biased with evidences that I provided and favoring the merchant with false and fake information. Synchrony Bank ( DBA - Paypal Mastercard ), Has failed multiple times to resolve my dispute and acted biased to force a charge on me for the services that were not as promised by the merchant. They also have failed to provide me with any documentation or are willing to fight the dispute given the documentation I provided. I am yet to receive any documentation on how they are determining the dispute in the merchant 's favor. The bank also never sent me any forms that I can sign as I am still going to fight this dispute and I am not going to pay for the services that were not as promised. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Problem with the charge : On XXXX XXXX XXXX, I booked a rental property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX with reservation # XXXX for XXXX nights ( XXXX XXXX XXXX XXXX XXXX ). When we arrived at the property, soon after we realized the property was not in good condition there were prior damages toilets were clogged and overflowing, air conditioning system was not working on 100F which was unacceptable. this was not it there were also issues with the cleaning and their dishwasher leaked in all over the kitchen. The were multiple bugs and mosquitos we saw in the bathroom and bedrooms. Cleaning was not performed and their laundry washer and dryer were in a disgusting condition that can not even be described in words. Given we were traveling with a newborn we could not risk staying with these circumstances. Starting the XX/XX/XXXX, the evening we were supposed to check in I tried to reach out to the property manager 's contact, since there was no physical office or helpdesk, I called the phone they provided and no one ever answered the call or acknowledged the voicemails I left. When I didnt get any response from them, we decided to spend the night at our friends house. The next morning XX/XX/XXXX when I went to see if they fixed anything, nothing was fixed other than they cleaned the water leaked from the dishwasher. That means someone was there to look at the issues but they did not reach out to me or resolve the essential/critical issues such as toilet/air-conditioning/bugs etc. This ruined our whole vacation and given the situation, there was no way anyone could stay in the property. After allowing ample amount of time in good faith to resolve this issue when things were still the same, I requested them to cancel or arrange another location for our stays however once again they did not reach out for any assistance or offered any help. As we left the property around XXXX XXXX on XX/XX/XXXX, I never heard any response back from the merchant regarding the cancellation or refund and they didnt answer the phone calls or my email when I tried to follow up on the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 789XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am credit worthy, however, Synchony Bank has denied me credit. Their gobbledygook reasoning is un-understandable to me and I believe is concealing age discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: This is a complaint against unfair account practices with my PayPal credit account. My account is in good standing and my line of credit was decreased dramatically without my knowledge. My PayPal Credit/Synchrony Bank account limit was {$800.00}. I made a payment on XX/XX/XXXX in the amount of {$770.00} to pay off my balance. I logged in today XX/XX/XXXX and saw that my credit limit was dramatically decreased to {$100.00} without my consent. I spoke to a customer agent agent today XX/XX/XXXX and she informed me that an email will be sent XXXX hrs from the time it was decreased which was XX/XX/XXXX. The email should explain the reasons for the decrease and she also mentioned that PayPal Credit will do an account review randomly. I find it weird that my credit limit was reduced after I paid it off. Its like Im being punished for paying off my balance?! It simply doesnt make sense. I was transferred to a supervisor and he told me the same thing and mentioned that the review is according to the terms and conditions of the account. So basically he couldnt do anything about it. He said that I can always apply for an increase and it will be hard pull. The letter/email shouldve been sent prior to the decrease as a warning before you decrease anyones credit limit. Im finding out about this decrease when I havent even received a letter yet. I would like PayPal Credit/Synchrony Bank to correct this and increase my credit limit back to {$800.00}. This will mess up my credit usage/utilization and affect my credit score. The email on the account is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/, I bought appliances at Lowes in XXXX XXXX worth almost {$5000.00}. I was told by the cashier that if I opened a credit card I was going to get 20 % off plus a discount for the new card. After I spent almost 2 hours picking appliances and applying for a new credit card i was ready to check out, but Lowe 's give me only {$100.00} discount. I asked to talk to the manager and I talked to her, too. but they are all trained to twist the words of their offer, which was sent to my e-mail. I filed a complaint with XXXX, and Lowe 's offered a {$50.00} gift card? THEY CHECKED MY CREDIT SCORE AND MADE ME OPEN A NEW CREDIT CARD ON FALSE PROMISE, very sad.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XXXX I was a victim of an assault which resulted in my teeth being knocked out. From my senior year in high school, I suffered from XXXX XXXX I did the proper maintenance to keep my XXXX, unfortunately being struck in the face it knocked my already delicate XXXX out. The state paid for my XXXX with a victim 's fund. XXXX XXXX put in my initial XXXX and XXXX which was an all on XXXX. The doctor ( XXXX died at the end of my procedure ) that put in my XXXX said, I would probably have to replace the XXXX after XXXX years. The XXXX not the actual implant, so, after XXXX years one of the XXXX in the XXXX kept falling out so in my mind, I thought that it was time to replace the XXXX. I went on to secure funding for XXXX XXXX to do the XXXX year replacement. I qualified for {$11000.00} through Care Credit /Synchrony Bank and he was paid XXXX and started the procedure. He did not take any panoramic views or scans which I thought was odd, he used a cookie cutter method by just using the old XXXX for measurements. From that they made a mold, but she kept dropping the mold. Maybe why it didn't fit properly. Every time he would put in the XXXX, within a week a tooth will fall out or the XXXX will crack in half and would have it repaired. This happened on XXXX occasions, unfortunately, during the last time I had to have XXXX XXXX XXXX and I was in a very critical state most of XXXX starting from XX/XX/XXXX through XXXX of XXXX, I was in the hospital recovering. He still had the XXXX in his possession to fix. Now in my new home in XXXX, another XXXX XXXX XXXX is trying to help fix the problem. I'm still wearing my old XXXX. Keep in mind a new one was paid for that doesn't fit and can't be repaired. XXXX XXXX mailed them XXXX XXXX XXXX, he explained that the measurements were off, and the XXXX were never going to work. I've paid some on the Care Credit account all the charges were XXXX XXXX XXXX but I stopped paying it because he didn't perform the procedure correctly. I posted my concerns on his review page, and I told him my concerns. Now the credit card company is trying to serve me with court paper to sue me, I had to sell XXXX home when I became ill and I used the equity from a {$300000.00} home which turned out to be {$100000.00} to buy property for XXXX in XXXX XXXX and the rest was used for moving expenses. I'm currently on XXXX and this is my primary home and they are trying to serve legal documents to attach my home which is my primary property and I feel it's not fair for him to been paid {$11000.00} for service that was never rendered properly. I actually feel he should pay me for damages because I'm currently losing XXXX with the old XXXX that was put back in my XXXX. A decent condition was made worse, I had a dentist to analyze the XXXX that XXXX XXXX made, and he stated that that XXXX would never fit correctly based on how it was made. Should he be responsible for the damages, emotional stress and financial stress of paying someone to correct the problem. He was paid by Synchrony Bank. Synchrony has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In XX/XX/2023, I noticed that my care credit limit decreased from {$1800.00} to {$270.00}. I contacted Care Credit /Synchrony Bank and was told that I had " Significant negative impacts on my credit reporting, non-timely payments, and too little payments ( not meeting the minimum balance ) '' This scripted response is not only entirely inaccurate, but is apparently being used on customers that even have great to perfect credit. It is also known that Care Credit/ Synchrony Bank will close accounts without informing the customer, causing determent to the persons credit reporting. They stated they sent out a letter. That letter was never received. I waited for another one, never received it. I called back to request another letter, and what I received is attached. A non-helpful, non-requested letter stating they do not run credit .... if that is so, then how can they attest to the statement above? This company seems to be operating in a scam-like fashion and not fulfilling its duties to inform the customers of changes being made to their accounts and doing so with inaccurate reasoning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A