Date Received: 2022-10-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Synchrony Bank replaced my Amazon secured account with a store card on XX/XX/XXXX hours after I replenished my {$150.00} deposit. My access to that deposit was immediately restricted because the agreement was my deposit was to be refunded. When I first spoke to Customer service about my refund, I was assured a paper check was sent out on XX/XX/XXXX and should arrive within 15 days of that date. The check did not arrive. I called again on XX/XX/XXXX and spoke to XXXX as well as her supervisor requesting an electronic transfer. All of my payments had been made electronically. I was advised that this bank had no capacity to make an electronic transfer to me. After holding for more than 30 minutes for a manager I gave up. On a subsequent call connected via Amazon Customer Service, I was advised another paper check had been issued on XX/XX/XXXX and should arrive by XXXX. It has not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/XXXX I used my paypal line of credit to purchase an in person training class to be completed on XX/XX/2022 as well as a facial beauty tool to be trained on for the amount of {$2800.00}. As of XX/XX/XXXX I still had not heard back on a confirmation of scheduling the class and I also was in the user group and saw lots of issues with the machine overheating and people having to buy 2 of them to work throughout the day etc. On XX/XX/XXXX I emailed and asked if I could just cancel the order due to my concerns and return the package once it arrived. On XX/XX/XXXX, the vendor agreed in writing to issue a full refund upon returning the unit and paypal instructed me to insure the package $ XXXX provided the mailing address for me to send it to, suggested I send it with a signature required, and instructed me to load the tracking information once It was complete. I did all of that exactly as instructed. Paypal stated that once the item was confirmed it was recieved I would receive a full refund 5 days later. I tracked the package, The item was signed for by the vendor herself according to usps on XX/XX/2022. I had to file this dispute many times and paypal kept denying my case. On XX/XX/XXXX I tried to reach out to the vendor to see what was going on and she didnt respond. its a very long story but the short version of this story is, the vendor agreed to issue a full refund for the IN PERSON TRAINING CLASS and the pen she was going to train me on. She received her pen back and signed for it herself and suddenly she changed her mind, decided she was not going to give me a refund AND she kept the pen! She states she sent me an email with training in it which is pointless because I was paying for an in person hands on class???? So she kept the money, kept the pen and didnt train me. I have tried all year again and again I keep reopening my dispute on this however when I call in they have people who have a dropdown list of reasons why a person would dispute something and none of them matched my reason. I sent a {$30.00} fax with the documentation they already had in their system yet asked me to fax. I paid {$27.00} to send the vendors item back as instructed. The vendor since that day has written multiple verbally abusive insulting emails to me stating I am XXXXXXXX etc. and I am at a loss as to what to do now? I received no in person training and I returned the product and proved the vendor signed for it. Please advise. My next move is to report it to all 3 credit bureaus that it is FRAUD. I appreciate your time and response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85053
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an email about a application opened XX/XX/2022 in my name that has hit my credit report. It says it is from Synchrony Bank/JC Penny XXXX I tried calling and got ahold of Synchrony and told them this wasn't me and it was fraud and they needed to fix it. They took my information and said they would look into it. I received a letter in the mail Dated XX/XX/2022 saying that they looked into it and that " the information supplied at the time of application matches the credit Bureau file that was accessed during the application process and that since the information matched, they were unable to do anything about it. I called back as soon as I got the letter and told them again that it wasn't me that filled out the application and that it was fraud. I finally got ahold of someone that could look up information. She said they see the app and that it has my social security number and date of birth but my address and phone number was wrong. I asked for information about the application but they wouldn't give me anything. The lady said that the application was processed but was denied for some reason but it did hit my credit report. I asked her how it was denied when I have two emails saying things like " Thank you for being a Synchrony Home Credit cardholder '', " Promotional financing '', " your card is now accepted at thousands of locations nationwide '', " Credit is extended to you by Synchrony Bank ''. I'm having a hard time understanding how the application was denied while saying things like the above!? They wouldn't provide me an account number or any information regarding the app. I take my credit seriously and I want this fixed but unfortunelty Synchrony doesn't seem to care to much. I have received XXXX emails now about this account I supposedly have. Please help me Thanks I have been sent emails and letters from Synchrony Home Synchrony Financial Synchrony/ JC Penny XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have owned accounts by Synchrony Bank ( CareCredit card ending in XXXX, Lowes Advantage ending in XXXX ) for several years and have never missed any payments and they closed my accounts unfairly, which they have been on monthly autopay. I recently changed banks and added my new checking account to both accounts to make sure the payments were made adequately. I can prove the payments withdrawn from a XXXX XXXX account for several years as well as withdrawn from my new banks checking account. Within the past year the CFPB and XXXX found XXXX XXXX has engaged and tried to fault and tarnish my name and Im so thankful for the truthful investigation to resolve the proper resolution that the bank postponed for almost a year until you guys and the XXXX stepped in. I tried view the payments history and they closed and locked the accounts in name, which I have been unfairly treated as well as been unfortunately discriminated against. The bank was found guilty with fraudulent transactions on my accounts, which led to an arbitration settlement. Now, as an honest and loyal consumer banking with XXXX XXXX over 15 years I decided to no longer bank with XXXX XXXX, due to the unfair treatment and dont trust my personal financial information with the bank. XX/XX/XXXX I spoke with Synchrony Bank and they have made allegations stating I had returned and missed payments, which I can verify on bank statements. When I tried to research the Lowes payment history I found several negative faults, but I assure you in honesty some information was changed. I think we need to check with the credit bureau as well, as Im confident the banks are distinctly targeting my reputation and credit. XXXX XXXX tried to ruin my score by taking a {$3000.00} limit card with XXXX XXXX usage down to only {$300.00} credit limit, which dropped my scores over XXXX points and unfairly treated me to tarnish my credit and borrowing capabilities. The CFPB and XXXX resolved that unfairness and angered the bank Im sure and my score has yet to gain those points back.,, Please assist and resolve this situation. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29841
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is charging me internet rate on the balance that I do not owe! Per the contract I treat can not accrue until after two years. They are consistently reporting to the credit bureau that Im a delinquent on my past due balance in which I should not have a Balance with SYNCB/ROOMS TO GO. I was supposed to receive a credit to my account since when they delivered my box spring it was damage by the movers. My boxspring that I never was reimbursed for it is documented in their system because I have called them several times about the situation, and when it happened I do not owe a balance to them.
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: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: It's possible the representative I spoke with is out of the office, but they have been incommunicado for almost a week. I was promised a refund of the {$24.00} credit balance on my rewards card, but moreover, I was promised my account would be reviewed for reopening if I provided proof I did not request the stop payment. XXXX reviewed my call and confirmed I never asked the rep to put a stop payment on the account, only asked about an NSF fee on an old checking account. I sent over XXXX documentation where they explicitly state this, but I have not heard back. I should not have my account closed over {$44.00}, one that I have been a very good with since 2018 amounting to total amounts around {$100000.00}. This is especially true where I was not the one issuing the stop payment. I was the one actually trying to manually make payment! The bank was the one erroneously stopping payment, per their letters sent to Synchrony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
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: On XX/XX/XXXX I attempted to pay XXXX XXXX 2x transactions for {$1100.00} and {$1800.00} using PayPal. I applied for, and was accepted for XXXX XXXX PayPal credit offered by Synchrony Bank. The FIRST payment, {$1100.00} was put into a pending status but later showed completed. The SECOND payment, {$1800.00}, immediately showed as completed and confirmed but the vendor, XXXX XXXX had received neither payment. On XX/XX/XXXX I received notification that the FIRST payment, {$1100.00} had been reversed. I called in and spoke to PayPal and the verified that both payments, {$1100.00} and {$1800.00} had been submitted to the vendor. On XX/XX/XXXX I was informed that my account had been restricted and they demanded to know what the transaction was for and demanded undisclosed paperwork. This required me to disclose my XXXX status as I am transporting a service animal. I called in and they confirmed that the {$1800.00} payment had gone through, the {$1100.00} payment had been reversed, and kept offering to escalate to the back office. I submitted the {$1100.00} payment again on XX/XX/XXXX and the payment immediately was put in a pending status and was flagged for review. Nobody can explain why the FIRST payment was flagged but not the second one, or why one wine through while the other gets consistently flagged. I spoke to XXXX XXXX as of XX/XX/XXXX and they have received the {$1100.00} that has been reversed, but they have NOT received the {$1800.00} that I have been charged for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone tried to take out a Venmo Visa credit card from Synchrony bank using my name on XX/XX/22. The denial letter was mail to my old address with the reason being unable to access my credit bureau file ( XXXX ) due to a Freeze. Reference # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by XXXX and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A