Date Received: 2023-04-09
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 purchased driving lessons on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX XXXX on my Tj maxx rewards card. I was never scheduled for them. After contacting the company several times by ph, virtual chat, email ect. I showed up in person to a empty building to be informed by their neighbor they were filling XXXX XXXX and parents were coming by to investigate to see why no one can get ahold of them also was told to look up XXXX XXXX they were on the news for it as well. I called my credit card company on XX/XX/XXXX to start a dispute. I was denied and told I signed a contract saying no refunds no cancellations. So I sent another appeal saying I didn't cancel. They went out of business before I could get my services. I received another denial letter XX/XX/XXXX saying I received my services which I did not. Please help me get my refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened an account at living spaces to purchase furniture. The card was issued with the agreement that the purchase was interest-free if paid within a certain period of time. I paid down the amount as much as possible, and at the end of that agreed period of time, Synchrony Financial added a few XXXX dollars to the balance owed. I tried to pay down the balance but the interest was so high that I was never able to get ahead. During this time I noticed that Syncrony Financial started reducing my credit limit. I was under the impression that I had a credit card that I could use for other purchases. I was confused as to why the limit was decreased as I paid it down. Last night I received a letter stating that they were closing my account because I do not own real estate and have other credit cards with high limits. I am shocked to learn that I am being discriminated against due to not owning property. I did some research online and discovered that Synchrony Financial has a history or predatory behavior. I also found a site with other complaints from consumers. Something needs to be done about this company and I would like an investigation into their behavior. Here is a link to other complaints : https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Report Act XXXX, XXXX, SYNCB/ASHLEY HOMESTORE, 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 a 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: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: XXXX XXXX, I purchased several round trip tickets for XXXX in XXXX for a wedding happening in XX/XX/XXXX. Because of covid-19 that flight was canceled and rescheduled for a later date. I soon found out thru XXXX news that XXXX was having employee strikes and in possible verge of filing bankruptcy. I advised my credit card company to the above mentioned and told them that i was not getting the service i purchased and that the airline was only willing to provide vouchers. I told the credit company that i was going to lose my money and they initially gave me credit and disputed with the airline whom in turn told them i purchased a non-refundable tickets. I explained that i did not cancel nor did deny to fly, the airline never provided the service and at the end the company filed XXXX and i lost the money and still paid my credit card. i believe if the credit card company would have taken my side this would have never happened. I feel that based on thier actions they should be the ones responsible for the loss. MasterCard thru Sams Club is the credit card issuer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had some problems with PayPal credit account and was struggling to pay my bill i was very upset how it was handled and wish they were to help me out I am XXXX and struggling I wasnt supposed to have a credit card but it happened im hoping I will learn my lesson but when having a XXXX its been rough maybe up to XXXX if thats possible in that range
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made payments that completed on XXXX XXXX XXXX, and XXXX in the amounts of {$85.00}, {$400.00}, {$150.00}, and {$350.00} respectively. I did this in order to pay off charges as they posted to account. Synchrony Bank is now suppressing my credit limit after already taking the money from my bank account. Current balance is only at {$68.00} and my credit limit is supposed to be {$1200.00}. Meaning I should have {$1100.00} of credit available. HOWEVER, Synchrony Bank has unilaterally decided to place the payments of {$400.00}, {$150.00}, and {$350.00} on hold for more than ten business days and my current available balance is a mere {$380.00}. I am being punished for being the most responsible type of credit user. Unbelievable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55421
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: They've processed provisional credits for half the transactions they declined yet put through my account but are refusing to for the other half
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 562XX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint against SYNCB/Rooms To Go for inaccurately reporting a late payment on my credit report. I have never been late on any payment for this account, and I believe this inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( A ) ( 1 ). This section states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have already disputed this inaccurate late payment with the credit bureaus, but the issue remains unresolved. As a result, I am seeking assistance from the CFPB to address this matter and ensure that SYNCB/Rooms To Go corrects the error and updates the information with the credit bureaus. The inaccurate late payment appears on my credit report as follows : Account : SYNCB/Rooms To Go Date of Reported Late Payment : XX/XX/2017 I kindly request that the CFPB investigate this matter and facilitate communication with SYNCB/Rooms To Go to resolve this issue promptly. I am committed to protecting my credit and ensuring the accuracy of my credit report, as mandated by the FCRA. Thank you for your assistance in this matter. 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: 32724
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: Original complaint XXXX This is stil a hard inquiry on my credit report and the Company agreed to take it off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: I contacted Synchrony Bank on XX/XX/2023. First they were unable to find my rooms to go account. Then she found it using my phone number. The agent tried to convince me that my monthly payment was {$88.00} a month. I advised her that was incorrect and that my monthly payment is {$22.00} a month but somehow there are late payments that I dont know where they came from. She tried to argue with me that I was wrong. I then requested a supervisor who stated that there were no late payments and I only owed {$22.00}. I stated to him its showing on my credit. He stated that is incorrect and that I have no late payments. I was completely lost because Im looking at my report. He then transferred me to a customer service or credit dept who dropped the call and didnt even bother to call back. Luckily I recorded the full conversation. I can send it to the company if they would like. At this point its ridiculous. Im not even able to get a clear understanding of whats going on. It seems I may need to take this to court because synchrony bank does not care to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A