Date Received: 2022-10-27
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: In XX/XX/XXXX of XXXX a purchase was made at rooms to go. That was incorrect. It took the store almost 3 months to fix everything between corporate the store and accounting and the credit card company to my knowledge. We went up to the store on XX/XX/XXXX. We came up to the store to resigned paper work. The account was supposed to be fixed. I get an email stating that my mimuim payment was late. I contacted rooms to go/synchrony bank. On XXXX occasions and put in disputes. U have to wait XXXX billing cycles for a response. I haven't spoken to anyone in upper management to assist me. I was paying what I was told to pay until. Original dispute was solved. I didn't get the promotional min payment calculated. And now it has his my credit report again for being late XXXX XXXX I'm confused. I haven't spoken to anyone to get account fixed. This has now again affected my credit report. Stating I'm over 30 days late. This is insane and very unprofessional. I have other synchrony accounts and never been through this with not able to talk to any one with the same information that customer service had.. I need some assistance some help to get my account back in good stats. I have never been in this situation. We want the furniture just want the payment corrected. And my credit report fixed because I am not late. Very disappointed. This is not the first thing I have brought from rooms to go. And I was never late and never had these issues. Please advise. Thank you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I opened a lowes cc account in 2020 for my kitchen remodel. I paid the balance off and did not use that account after synchrony reduced my limit to {$500.00}. A former roommate took personal information without my consent and knowledge. The charges I am being held accountable for we're unauthorized and illegal. Synchrony has been made aware of the identity theft relating to the charges and has not discontinued the collection efforts Is reporting erroneous information that is damaging to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79905
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a problem with JCPenneys Card Services. The problem with them is that from time to time they are pulling my credit report. I dont know why they are doing this. I havent applied for any credit cards with them so they dont really need to pull my report. Their inquiries are hurting my credit background and they are unnecessary. They need my permission to pull my report and they havent asked me for my consent to do so. I want someone to contact them about this and ask them to stop pulling my credit report. I would like them to leave my credit report alone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received an unsolicited email from Synchrony Bank saying I had a payment due for for purchases made on an Amazon credit card, but I have NO such account/balance. I believe this is a deceptive advertising tactic or outright fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: Called synchrony bank and they said '' unable to verify identity. '' I found out my social security number is being associated with someone else. They didn't try to help me. This happened on XX/XX/2022. My name is XXXX XXXX. I applied for sams club business Mastercard. This was my 4 denial with the same reason. The name of lady that used my social was XXXX. They told me that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The dispute is with PAYPAL CREDIT/SYNCB, XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX - XXXX. Account number XXXX XXXX XXXX XXXX, On XX/XX/XXXX, PAYPAL withdrew {$740.00} from my checking account. This transaction was not authorized. The charge on my checking account showed up as follows : XX/XX/XXXX - {$740.00} PAYPAL CREDIT - Paid with XXXXXXXX XXXX XXXX XXXX - Transaction ID XXXX. I request that the {$740.00} be returned to my XXXX XXXX, XXXX checking account. PAYPAL has been contacted via XXXX XXXX on XX/XX/XXXX with no response. XXXX XXXX XXXX was contacted XX/XX/XXXX & stated they would have to place a Hold on my checking account for up to 90 days to dispute the charge, but that is unacceptable for me to continue to pay bills online, etc,,, I appreciate your time & assistance in the resolving this dispute. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I received a call from XXXX. When I answered, no one spoke so I hung up. After doing some research, I discovered that the call was from Synchrony Bank -- the bank connected to my Amazon XXXX credit card. I became suspicious about this call as I previously had a problem with Amazon 's method of security ( complaint # XXXX at FTC ) and decided to check on my Amazon credit card connected to this bank. When I checked, I discovered that Synchrony Bank had placed an incorrect balance of {$240.00} on my account. I requested " chat '' and tried to explain what was happening. The " chat '' could not understand what I was trying to say and contacted a Synchrony Representative by chat to no avail. I then called Synchrony and spoke to representative XXXX. XXXX understood my concern and forwarded me to a " higher up '' representative, XXXX. I explained my concern to XXXX who told me that the reason that my balance was {$240.00} was because Synchrony did not recognize the bank that I made payments from and because of this, late fees were charged. I don't understand " why '' Synchrony did not recognized XXXX XXXX XXXX as during the month of XXXX, I made a payment of {$30.00} through XXXX XXXX XXXX. This seems like an excuse to return the payment " as unrecognizable bank '' and then charge the customer a late fee. I then explained to her that I have been making my credit card payments on time since XXXX and had my paper statements in front of me to prove it. I then clarified to XXXX the exact due dates for my credit card payments in the months of XXXX and XXXX along with the exact payment dates made -- both payments were made on time. XXXX 's payment was made on XX/XX/XXXX, although the payment was not due until the XXXX. XXXX 's payment was made on the XXXX although it was due on the XXXX. Each payment posted. After explaining this, XXXX immediately hung up without explanation. The balance on my account for XXXX was XXXX. I made a payment through XXXX XXXX XXXX 's bill pay for {$30.00}. I made more purchases after this payment was made totaling {$88.00}. The balance for XXXX was XXXX. I then made a payment on through their online system in the amount of {$29.00}. After this payment was made, I then made two more purchases in the amount of {$86.00}. My balance should be approximately {$180.00}. But due to their calculated " late fees '' it has increased my balance to a significant amount of {$240.00} which is very incorrect, and they refuse to correct this information on my Amazon/Synchrony account. I also have another account with Synchrony Bank through another credit card and have never had a problem. But with Amazon, if I may be truthful, it seems like there are a bunch of scammers in charge of customer accounts. They are constantly tampering with my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: We opened a credit card account at XXXX and XXXX. The credit card company is SYNCHRONY BANK. The bank is the issue. We were supposed to get 20 % rewards. 10 % is typical, but the other 10 % was during the promotion at labor day. XXXX purchases on XX/XX/XXXX. XXXX for XXXX and the other for XXXX. Based on this we should have received. We should have received about XXXX. We received {$580.00} in reward points. We paid off the credit card within a week or XXXX. We called on the following dates. XX/XX/XXXX - Inquired how the reward points would be provided. Told it would be XXXX billings cycle. XX/XX/XXXX. XXXX - Contacted SYNCHRONY BANK through online chat. Told them it seems to be an issue, since I see 10 % pending and not 20 %. They said there is no issue. I'll get rewards by XX/XX/XXXX. XX/XX/XXXX - Similar chat as XXXX. My reward point for the 10 % sometimes disappears, and sometimes pending. XX/XX/XXXX - Similar response as previous days, but hoping a call would get a different response. XX/XX/XXXX - chat - No new info. XX/XX/XXXX - 10 % rewards show up. Not the other 10 %. Called in and was told the first time that it was 1-2 billing cycles. First time I was told two billing cycles. Seemed like something was wrong here. XX/XX/XXXX - Called again. Said it would appear on XXXX billing cycle XX/XX/XXXX. They issued us a letter. The letter stated : " Dear XXXX XXXX, Thank you for your recent inquiry regarding your XXXX and XXXX! XXXX XXXX account, and the opportunity to be of service to you. We are pleased to inform you that your request has been processed. Please see below for the details of your request. Please allow up to XXXX billing cycles for the bonus rewards to reflect on your account from the end of the promotion date. We appreciate you as a valued XXXX and XXXX! XXXX XXXX customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at the toll free number below. Sincerely, Customer Service Department XXXX '' XX/XX/XXXX - Called and was told the rewards would show up XX/XX/XXXX XX/XX/XXXX - Called and was told " well in is still XX/XX/XXXX, it could still show up anytime ''. We pressed for more info but was denied. No managers worked that day ( Sunday ). XX/XX/XXXX - Called and spoke with two managers. Told by the highest manager that he agrees with everything we said. Gave a {$50.00} credit. However, he could not help us. The people in the " back office '' who makes these decision can not be called by us or him. No one would call us back to follow-up. No email would be send. We could not communicate with anyone else. Were told to just sit and wait. We asked how long should we wait? He said he did not know. XX/XX/XXXX - Contacted Crate and XXXX XXXX complaint line. They apologized and said they would look into it but they can not make SYNCHRONY BANK do anything. XX/XX/XXXX - Online chat with SYNCHRONY BANK ( XXXX ) The customer service rep did not know what I was talking about and had to give details exactly what the promotion was and language regarding the promotion. After I did so, first tried to tell me that the rewards were due XX/XX/XXXX. I copied and pasted the language from the letter ( from XX/XX/XXXX ) and finally agreed it was due to us XX/XX/XXXX or XX/XX/XXXX. However, she could not escalate or see the actual status. She could request for this to be reviewed, however that would take 1-2 additional billing cycles. I told her I did not want to do that. Supposedly others are looking into it, but that is doubtful. I them told her I will be contacted the CFPB for help. She said that she would let her manager know ( for whatever that is worth ). She also said " If I have all the access on instantly processing the Bonus rewards, I would have processed it already. '' Every customer service rep I talked to agreed that I am owed the rewards and apology for not getting them. However, not one of them could take actionable steps to fix it. The can resubmit another request which restarts a 1-2 month timeline again. There appears to be a glitch in the system, and no one knows how to fix it. Or they are crooks. The online reviews of the company are terrible. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been paying my Amazon store and my paypal credit accounts religiously for years and the only time I had any issues paying on time or just passed the due date was during the initial months of the covid crisis. Synchrony decided to close my auto care card in XXXXXXXX XXXX XXXX during the main time of covid when every other credit and financial company was helping their clients. After they closed the account, I appealed the closure, that in turn got denied. After that, I told them they wouldn't see a dime paid towards the account and I have kept that promise on that specific account. All open accounts were caught up and kept in good standing before and after covid without question. I have made the payments since learning of said closure of these two ( Amazon and Paypal credit ) in good faith that these two will be reopened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28443
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX refused to refund an order that was returned, Synchrony-Bank closed my account and keeps calling saying I owe them the money when the product has been returned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A