Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ref : Lowes Advantage Card/Synchrony Bank Account Ending in XXXX I had excellent credit score of XXXX. Please check my impeccable until now credit history. Lowes Advantage Card/Synchrony , Lowes XXXX XXXX XXXX and XXXX Electronics are collaboratively trying to destroy my credit with malice. I declare that I do not owe any money to these organizations. Below is a brief explanation of my dispute with them. 

The XXXX parties to this dispute are : 1.XXXX XXXX XXXX XXXX 2.Lowes Home Centers LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 3.Lowes Advantage Card/Synchrony Bank, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX ( consumer ) I purchased a XXXX range oven on XX/XX/XXXX from the above Lowe 's store and charged with the Lowes Advantage credit card. The appliance included a one-year manufacturer warranty from XXXX. I received the statement from the Lowes Advantage Card in the following billing cycle and paid the balance in full.

The appliance turned out to be defective manifesting multiple problems, such as noise and temperature control. I reported the problem to Lowes XXXX XXXX, and based on their advice, I contacted XXXX in XX/XX/XXXX to repair the defect under the manufacturer warranty. XXXX sent a technician who tried to put the blame on the user ), as they have done to many other consumers. XXXX refused to repair the appliance in breach of the contract ( warranty was valid until XX/XX/XXXX ). ( Later, I discovered that there was a class-action lawsuit ( please google XXXX XXXX XXXX ) ) pending against XXXX. It became obvious that XXXX/Lowes XXXX XXXX sold me a defective product by withholding information regarding the lawsuits and consumer complaints against the XXXX ranges XXXX. 
I reported the matter to Lowes Advantage Card/Synchrony Bank and requested help as the appliance was purchased with Lowes Advantage Card . They initially issued me a temporary credit and eventually sent me a check that included the purchase amount of {$910.00} after they made a final decision in my favor ( Attachment 2 - letter from Lowes Advantage Card/Synchrony Bank dated XX/XX/XXXX ). Hence, I consider the case closed. ( ( Later the Lowes Advantage Card/Synchrony Bank rescinded the credit and reissued billing at the behest of Lowes XXXX XXXX XXXX XXXX I requested Lowes Advantage Card/Synchrony Bank to close my account ending in XXXX and they complied with my request. 
The oven portion of the range stopped working. I unplugged the range due to fear that it may catch fire leading to a house fire as reported by some users. After receiving credit from Lowes Advantage Card/Synchrony Bank , I went to the above Lowe 's store and requested the Assistant Store Manager ( XXXX ) to haul away the XXXX range from my home. Attached is a copy of the letter that I handed over to XXXX ( Attachment XXXX letter to Lowes XXXX XXXX dated XX/XX/XXXX ). Although XXXX agreed to comply with my request, Lowes  XXXX XXXX never followed through. I am afraid I have to spend more money to haul it away from home. 
I complained to the Office of the Attorney General ( OAG ) of XXXX  and they tried to mediate, but they were not successfull due to the intransigence of Lowes XXXX XXXX and Lowes XXXX XXXX Bank XXXX Please refer to XXXX XXXX ( Lowes Executive Customer Relations ) letter ( Attachment XXXX letter from XXXX XXXX to XXXX ) to the XXXX dated XX/XX/XXXX, and my letter ( Attachment XXXX letter from XXXX XXXX to XXXX ) dated XX/XX/XXXX to the XXXX in response to XXXX letter. Noted below is a synopsis of these XXXX letters. 
I humbly state that XXXX has distorted the facts in her letter dated XX/XX/XXXX. She wrote in her letter, the original manufacture ( XXXX ) warranty of XXXX year has expired. The service calls were not able to be completed, as the customer did not return calls from the service team. This is incorrect as the service team ( XXXX ) came to my house in late XXXX, but refused to repair the appliance by blaming me for the defective product ( Attachment XXXX ). According to my notes, I contacted XXXX on numerous occasions in XX/XX/XXXX and requested them to repair the appliance but they never complied and gave me a run around. XXXX texted me confirmations of appointments for services, but later cancelled the appointments ( Attachment XXXX text messages from XXXX ). Please note that the warranty expired on XX/XX/XXXX. 
XXXX further wrote in her letter, The customer declined our resolution. We believe that our offer was an amicable resolution to his/her complaint. XXXX spoke with me on XXXX occasions dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I explained to her the scenario in a chronological manner including my interactions with XXXX, Lowes XXXX XXXX, and Lowes Advantage card/Synchrony Bank . At no point did she give me an offer for an amicable resolution. On the contrary, it was I who contacted the other parties for an amicable and fair resolution, but they manifested bad faith all along. 
Now the Lowes Advantage Card/Synchrony Bank is XXXX trying to ruin my credit. Based on information received from the OAG ( Attachment XXXX letter from XXXX dated XX/XX/XXXX ), I am going to pursue the matter with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Protection Financial Bureau to prevent XXXX XXXX XXXX Bank from ruinning my credit rating. 
With this letter, I seek your help to establish justice and fairness for all California consumers including myself. Please see to it that justice is done. 

Thank you for your help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX