Consumer complaint received 2015-09-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
American Eagle ( clothing company at XXXX XXXX. XXXX XXXX ) ( 1 ) lies to customers about a discount that does n't exist if you open a credit card with them, and ( 2 ) they never send the card so you pay fees. Also ( 3 ) they make up new excuses NOT to process the payment if you find a way to pay without having the card in your hand. 

Number ( 1 ) I recorded their employees saying different discount amounts, and then admitting at the register the discount is not such AFTER we already had an argument about that the month before. That means they actively keep doing it. A customer after me ( XXXX XXXX ) was next in line asking for the 50 % discount I was offered too if we got the card, so it was n't just " my hearing ''. 

( 2 ) I applied for a card, and the cashier entered seemed not to enter my data in the computer, but the SS number retrieving the information from some credit DB. After confirming it was my address, I got approved the card and paid with it. 

( 3 ) Three weeks later I was not getting the card in the mail, so I found the way to PAY anyway online. The process showed " successful '', but I never got an email about it. 
Weeks later, no payment reflected in my bank statement, I CALLED them, and they could n't find the account ( I paid online! ) so I wanted to know WHAT ADDRESS they had. Despite I gave all my info and it checked out ( at least the little info that GOT ME INTO THEIR CREDIT CARD did ), no supervisor was allowed to tell me what address was in their system for my SS number ( so they could make up excuses later ). I was ALREADY receiving mail offers from their company since I purchased there before, so they DID have my address, and the cashier processing my application HAD my ID in her hands to check the address and everything. 

At the end, I had to give them my real info ( which could have caused a thief reposessing my account with whatever info he wanted ) and they just said " oh, the address was this little letter off only ''. So my info was good enough to get a credit card, access the account and adding whatever I want as " my info '' ( I could have been a thief ), but was not good enough to provide me with the address in file. Finally I asked them to " send me the information that was there '' to my mailing address, the one matching the ID used to apply for the card, so only the owner would receive it, and they said they could n't either. 

After they fixed my info, because my account was NOT in their system anymore to pay online, they said I could pay by phone without fees so I did. 

Now, I got a letter saying they DID apply a fee ( {$10.00} ) plus interests, which I could have avoided if my initial payment had gone trough properly. 

They said ( which seems lies ) : -The credit was approved validating the SS # and my ID # ONLY. No address was required so the credit bureau apparently approved it WITH THE WRONG ADDRESS or no address at all ( I doubt it ) -Because the billing address was wrong, the payment with my debit card was rejected : Lie. their system stated " successful '', and my bank has no register of denied transactions attempted to my card number. 

So to summarize it : They went through at least XXXX steps to ENSURE I pay fees, and EVERY step I took to prevent to be abused ( I knew credit card companies change address, miss to send letters, and other tricks to create late fees ) was unsuccessful.

Company response to consumer: Closed with explanation