Date Received: 2023-06-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I recently placed a complaint in regaards to XXXX XXXX XXXX, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from Rooms To Go, Synchrony Bank. However, this was false information. As I stated in my feedback, I receive Informed Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. However, I contacted Synchrony Bank in regards to my RoomsToGo account. After searching endlessy, I found emails from Synchrony Bank, in my junk mail ( emails ). They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. I called, todayXXXX and spoke with XXXX. She informed me, that a dispute was sent to XXXX XXXX. She also informed me that, within 60 days, my account should be back with Synchrony Bank and I should not have to deal with XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022, I ordered two 36x36 frameless bathroom mirrors from XXXX. The mirrors were delivered on XX/XX/XXXX. They were shipped encased in form-fitting Styrofoam in separate boxes. Opening the first box revealed a shattered mirror. The second one held an intact mirror that had several deep scratches that went unnoticed at that time. I contacted XXXX XXXX immediately about the shattered mirror. I was told I would receive a replacement, that I did not need to return the mirror, and that I would receive an email from them with an address to send an image of the shattered mirror. I received that email the same day and replied with all the information they requested. By XX/XX/XXXX, after two queries, I had not received the replacement mirror and had heard no more from XXXX XXXX. I sent them a third email that day. Again, no reply. I purchased the mirrors through Sams Club Plus Member Mastercard which is administered by Synchrony Bank. So, because I was being ignored by XXXX XXXX, I contacted them to dispute the transaction. Synchrony Bank agreed with my position, initially, and credited my account with the {$420.00} purchase price of the mirrors. Then it got weird. On XX/XX/XXXX I received a message from Synchrony Bank stating that, based upon new information, they were reversing the previously issued credit. The new information supplied was a proof of delivery statement showing that XXXX had delivered the mirrors on XX/XX/XXXX. Thats not new information, thats the date I reported them delivered in damaged condition. Non-delivery was never the issue. On XX/XX/XXXX I sent a letter to Synchrony Bank. I told them ; before I take further action on this matter, please verify, in writing, with a signature of an actual human with some authority at Synchrony Bank, that you agree with XXXX XXXX that delivery is all that matters, that the condition upon delivery is irrelevant. The letter was sent Certified Mail with a Return Receipt, it was signed by XXXX XXXX. On XX/XX/XXXX I received a Voicemail to Text message from Synchrony Bank stating ; Hello this is a message from Synchrony Bank for XXXX XXXX XXXX [ XXXX ] regarding your Sams Club Master Card account. We are calling to inform you that we received your correspondence. We appreciate your patience while we review your request and well update you as soon as possible. We can be reached at XXXX. If you have any questions. Thank you. Goodbye. I responded with another letter to Synchrony Bank stating : It is important to understand that I did not make a request, I stated a requirement. Nothing short of the letter described clearly stating your policy that receipt of damaged goods is not grounds for a refund, will suffice. Upon receipt of that letter, I will pay the full amount of the purchase, {$420.00}. I will not pay any late fees or interest as the delay is solely your fault. Further communications on this matter other than that letter must be via an email that is monitored. That is where we stood for about six months. My account balance was the sum of the {$420.00} purchase price plus six months of late fees and interest. Clearly, Synchrony Bank wanted to be paid, but nobody there was willing to put their name on the letter required to obtain it. I related my experience on several consumer complaint sites. One of them contacted XXXX XXXX about it, and XXXX XXXX then contacted me. After some back and forth, they reversed their position. They decided that the condition of the merchandise at the time of delivery did matter, that a full refund was in order. The refund appeared on my credit card statement on XX/XX/XXXX. Now it gets weirder still. It seems Synchrony Bank did not agree with XXXX XXXX reversal. They still demand payment of all late fees and interest generated by a purchase that was eventually refunded. The account balance now stands at {$340.00} ; I will not pay it. The account has been closed, credit cards destroyed, and I am no longer a Sams Club customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54115
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX I made a payment to Synchrony bank for my TJ Maxx card over the phone {$32.00} then noticed my bank made a payment for {$35.00} forgetting payment set up through my bank. I tried canceling it through my bank couldnt do it. So called Synchrony bank and ask for the money back. They said you have to wait to a post to the count, OK can you leave note ask for the money back. XX/XX/2023 your {$32.00} post on account with the {$50.00} from the bank is there it is having Post I said do you know how hard it is to keep calling you guys getting a run around getting people dont know what theyre talking about XXXX, customer service, and if I dont call back, youll have a credit on account which I dont want to keep calling back its aggravating I called back the second time and got to run around. Nobody knows nothing. All of them are managers are supervisors and nobody can give me the operator number, this was not posted when I open the account they know how to accept money and but dont know how to give it back especially when the count is paid off
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: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. They are pretending to be XXXX XXXX a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. My car has been paid in full for several years. The information for this account has been changed several times. It started with a purchase from XXXX which was sold to synchrony bank., who sold it to portfolio recovery when it was about to expire. XXXX XXXX falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. I received a line of credit from synchrony bank in XXXX. I never used the card. They are using this information to make the charge look valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Synchrony Bank/ PPC is reporting negative payments during COVID Violating of the Heroes Act. According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. The intention behind this provision is to prevent credit scores from being ruined and to protect consumers from adverse effects on their credit reports. Synchrony Bank is violating my consumer rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I informed XXXX about a transaction of {$240.00} charged on some traveling website. XXXX with in 10 minutes they declined my transaction. I worry they have not even tried to verify transaction of the person who the ticket is under name of. What is going on?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank closed my account and I did not receive any communication regarding this action. I have been a customer for years and have several accounts with them and according to a representative they have a right to close an account at their discretion. I never received a notice and their explanation was it was sent. They closed an account with a XXXX balance however my other accounts remain open. I have never been late nor have I missed a payment. I think it is unfair to extend credit and then without notice determine that you are no longer creditworthy and it affects your current credit score. This practice is detrimental to a consumer.
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: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. Years later XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have 4 accounts with Synchrony Bank Store Credit Cards. My home address was incorrect when I was submitting my Payments, therefore credits were not going towards my Credit Cards when I taught they were taken out of my checking accounting. In the meantime I have paid off ( XXXX ) in a short time and Synchrony still reported my delinquency 's to the credit bureaus which drastically lowered my credit score ... ... ..... I complained many times and the answer I received every time was they could not do a thing about. I never seen such poor customer service and Credit Company in my XXXX plus years of establishing credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44903
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: When I got the XXXX Synchrony card, I was told that there would be 0 % interest for 6 months. After that interest would be charged at a 29.99 % rate. I was charged {$110.00} in interest on XX/XX/XXXX. I contacted the company on XX/XX/XXXX and asked why, they stated that the promotion was over. I was told that I would be charged {$110.00} of interest now and additional interest after. I have another card with Synchrony Bank and did not have this issue after a promotional balance. My fiancee ' also as the same XXXX card and did not have this issue. This would cause me to pay the same interest twice over the course of the year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A