Credit reporting or other personal consumer reports: Problem with a company's investigation into an existing problem
Consumer Financial Protection Bureau
Key Details
- Posted Date
- Source
- cfpb
- Awarded To
- SYNCHRONY FINANCIAL
Description
My husband and I bought a couch set from rooms to go in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX In XX/XX/XXXX I got a notification that my own rooms to go store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. I took it a step further and contacted synchrony who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. I waited 6 weeks and nothing happened. Just promises to follow up with me. I went in the stores - Rooms To Go XXXX XXXX XXXX XXXX and rooms to go on XXXX XXXX XXXX. I spoke with the managers there as well as had a conversation with a synchrony rooms to go representative while in the store and explained everything again. The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX manager who never got back to me. Efforts with synchrony bank were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
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Data sourced from cfpb