Date Received: 2022-09-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent {$95.00} through PayPal to buy a pair of shoes from XXXX. I never received merchandise & seller doesnt respond to messages or emails. I filed a dispute through PayPal. They said money was transferred as requested but wont look any further into the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On the due date of XX/XX/XXXX, XXXX, I paid my balance in full in 2 separate transactions. The 1st transaction was by phone in the amount of {$3500.00} w/ my personal checking account and the 2nd transaction was online in the amount of {$10000.00} w/ my business checking account. I then setup auto pay for future payments ( thinking it would be effective XX/XX/XXXX ). Unbeknownst to me, the auto pay became effective immediately on XX/XX/XXXX and Synchrony Bank withdrew a 3rd payment in the amount of {$12000.00} from my business checking account. Therefore, on XX/XX/XXXX, I paid total of {$25000.00} on a {$13000.00} balance. On XX/XX/XXXX, I tried to make a purchase of approximately {$1000.00} and it was declined. I contacted Synchrony Bank customer service and was told that they put a 5-day hold on my payments and that I could not use my credit card for 5 days despite the fact that I have a credit of {$12000.00} w/ them. This resulted in me losing the purchase that I should have been able to make considering I ALWAYS pay my on time balance in FULL and have been a LONG TIME customer, they refused to remove the 5-day holds from my payments until and unless the payments had cleared, despite the fact that historically I was always allowed to charge on my card after each payment w/o a 5-day on my payment. Both the customer service and supervisor were unprofessional and unhelpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95120
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had TG max credit card on XXXX Used the card and paid off the whole debit immediately. However mistakenly forgot to pay XXXX XXXX left. About a year later I was trying to mortgage a house and I realized that my credit score is not as expected. After some assistance I realized that I had this forgotten XXXXXXXX XXXX in my account. I immediately paid it off. I called the collection company multiple times and Realized that they never reached out to me to collect this XXXX XXXX They had a wrong phone number and Wrong address. I never received anything from their end. Now after almost 2 years my credit score is hurt by that incident. I am desperate for help as I am planning to mortgage a house soon and this standing in my way unfortunately.
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: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied for a care credit card and received their card.I used the card for my cat. My cat did not make it. Then I got a senior cat and took her in for dental work. The bill was over {$900.00}. The c/o was accepting my payments and then started raising them.I started paying {$50.00} dollars a month which they accepted.They were adding interest and I was not able to pay more.This happened in XXXX. I made mistake.I have had to block their number, but they send me daily voice messages. I sent them a letter and a payment of {$50.00} on XX/XX/XXXX and it has not reached my checking account. I have paid every month. I will send a copy of their letter I received in XXXX. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79109
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Greetings, I would like to file a complaint against Ashley Furniture because the store in XXXX has provided false advertising, terrible customer service, and despicable ethics. I entered the store in early XX/XX/XXXX, hoping to get furniture after closing on my first home on XX/XX/XXXX. I was greeted by an associate name XXXX. Who informed my family and me that the more expensive pieces were the items in stock and we should shop there if we wanted to get the pieces in a respectable time. So after some time, I decided on the pieces I wanted to order. With my family present, XXXX informed me that the pieces would be delivered in a few days. After hearing this news, like any new homeowner, I was excited to have these pieces delivered quickly with the holidays ( XXXX ) approaching. However, the next day I received a call from a call center informing me that the ONLY pieces that I would be receiving were a love seat and a recliner chair. Hearing this was pretty devasting because XXXX promised my family and me that we would receive ALL my pieces. In addition, the call center representative informed me that the remaining order would arrive at my home in XXXX of XXXX. Again, this is misleading and false advertising because I was under the impression that I would receive these pieces in a few days per XXXX. Not to mention that I was expecting family to come to town for the holidays with the possibility of no furniture in my home. So devasted after hearing this, I instructed the call center representative to CANCEL my order because XXXX misinformed me, and I would not have furniture for my family to visit for the holidays. After speaking to the representative and confirming everything was CANCELLED, a few days later, I received a text message from XXXX telling me that I needed to ignore the information the representative gave me and the dates were fakes. She talked to a manager into giving me credit at Ashley Furniture. Rather than being rude or disgruntled, I decided to tell XXXX, Thank you, have a nice day. I assume she caught that I was not interested in the furniture and sicked her rude, overbearing, and preposterous boss on me. His name is XXXX, and he is by far the most impolite manager I have ever met in my life. The way he spoke to me with my family present and listening to our phone call was absurd. He blatantly asked me, Well, what are you going to do about furniture now in the most tasteless tone, and I told him that I was looking around for other options. XXXX was extremely upset and hung up on me immediately. Again, I thought everything was okay and that I was able to move on from this atrocious experience. I received a letter in the mail in early XX/XX/XXXX stating that I owed Ashley Furniture/Synchrony Bank {$500.00}. I was completely distraught because I never received one piece of furniture or any services. So I called an Ashley Furniture representative who told me everything was cancelled, and she forwarded my call to Synchrony Bank, who is supposed to be their partner. So the representative picked up and filled out a dispute and told me everything should be good. A few months later, I received a letter from Synchrony Bank saying that they are siding with Ashley Furniture. I called Synchrony Bank again they told me that I would have to speak with the two employees that caused this horrible experience, XXXX and XXXX. I am writing this to express my negative experience with XXXX and XXXX and to bring awareness to those customers that are taken advantage of by such employees we trust to help us with major financial decisions. I am requesting these items be removed from my credit report and expunged. When making this purchase, our world as we know it was experiencing such chaos, and I truly felt taken advantage of at one of the more vulnerable times of my life. Warm Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( XXXX XXXX XXXX ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX XXXX XXXX ), continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022 I received an email from PayPal saying I had a transaction from XXXX for {$80.00}. I reviewed my PayPal account and saw the charge was accurate, and not authorized by me. It is currently pending authorization. The address has it going to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked in XXXX and XXXX other victims have commented the exact same fraudulent activity of XXXX purchases on their PayPal. I have never been to this business and do not know how they got my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96813
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
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 bought furniture on credit from XXXX XXXX and received a credit of $ XXXX. The card number is XXXX. The credit was actually to Synchrony Bank. I made payment for months, but fell upon difficult time during covid, and went to minimum payments and then no payments. Synchrony started calling me. I want to say without embellishment sometimes it was 5 or 6 a day. Sometimes it was early in the morning sometimes late in the evening.Some However, after dealing with all of the phone calls I started to look closer and the amount due, the balance seemed wrong, I should add that on the evening that I bought the items the salesperson had problems with the computer and could not print copies for me and promised to send them later. I called one or two times afterwards to follow up, but the saleswoman was never avail, and never returned my calls. I finally forgot all about it. Until I started to fall behind. I called once synchrony about the original agreement and was gruffly told that I should have hung on to them and that she could do nothing for me. Then after time I sent a letter asking for signed purchase agreements with my signature. I wanted to review and verify the terms, interest rates, late payment rates, etc. When they finally responded, the sent me a huge stack of payment statements, but never the agreements that I asked for. I am taking too long, your webpager says i am about to time out i will add more later?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XXXX XXXX I spoke with XXXX XXXX XXXX XXXX id XXXX ) and then XXXX, XXXX XXXX id XXXX ) and complained that they were charging monthly interest at the rate of {$26.00}. My current balance is {$1100.00} with {$27.00} monthly in interest charges. I complained to both reps that this was balance was becoming difficult to pay down based on that charged interest rate and requested a reduction to same. I have always been a responsible paying consumer having made all timely payments. Both reps refused a resolution to ease the payment and during a time of severe inflation and job loss. I find it completely unacceptable that a company can charge a consumer such an astronomical amount of monthly interest which would only serve to hurt a consumer. At the interest rate of {$26.00} this balance would be extremely difficult to pay down. This is a XXXX XXXX XXXX XXXX. I appreciate all the help and assistance you may provide as they were unwilling to offer any such resolution to the matter. This to me seems fraudulent and misleading by a company that purposely places a consumer in direct financial harm. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11795
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 2 inquires on my personal XXXX and XXXX credit report dated : XX/XX/2022 and XXXX XXXX XXXX Both from SYNCB/SAMS CLUB. I have never applied for a personal card with SYNCB/SAMS CLUB. I have made several attempts to rectify this with SYNCHRONY BANK. They have confirmed they don't have the application request from these dates but insisted i have to resolve my issue using this method.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A