Consumer complaint received 2023-10-25 00:00:00
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
State: ME

Complaint narrative:
This is continued documentation in regards to fraud and civil harassment on the part of Lowes and synchrony bank. As this moves towards litigation, synchrony bank has refused to investigate this matter. At no time has anyone from this bank contacted me, or spoken with Me Directly. They continue to send me bills and demands for money. They are demanding funds for services, and products that were never rendered, nor were they received. There is a need for a formal federal investigation into the fraud that not only synchrony bank, but Lowes continue to commit. In an email sent on XX/XX/XXXX, I received notice from synchrony bank, that no amount was due. On Yesterdays date, XX/XX/2023, I received a bill from synchrony bank stating that I owe them over {$5000.00} and a minimum of {$51.00} is due on XX/XX/2023. I owe this company absolutely no money. They are frauds, criminals, and a federal investigation into their crimes is warranted. On this date, I spent nearly 2 hours on the phone being redirected repeatedly by customer service representatives, who refused me service, and refused to address the issue. I asked to speak to a supervisor multiple times. One of those supervisors hung up immediately, another redirected me to Lowes, and the other completely refused service. This is a company of criminals, Frauds, and liars. My attorney will be sending them documents and will be serving them formally upon his return to his office. I have had enough of this XXXX and theyve had every opportunity to resolve this. I demand a federal investigation into this Friday, and I absolutely will be suing this company. 

Synchrony bank, and Lowes continue to commit fraud and violate my rights as a consumer. I am repeatedly receiving statements from synchrony bank stating that I owe them over {$5000.00} for services that were never rendered and products that were never received. Lowes has done over {$18000.00} worth of damage to my home. Due to unsafe installation, all materials had to be removed. I have sustained XXXX XXXX in the form of a XXXX XXXX XXXX XXXX XXXX XXXX. I am being scheduled for XXXX for repair of this XXXX. This is a result of negligence. Lowes is currently being sued, and synchrony is also Part of this civil litigation. Synchrony and Lowes continue to commit fraud and demand money for services never rendered. There needs to be a prompt and thorough investigation conducted on both. This is an ongoing issue and I have recorded phone calls with synchrony bank, where representatives have been recorded, stating that they are returning my money. This has not happened to date Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are XXXX, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/1022 and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXXXXXX XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXXXXXX XXXX and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter.. 

In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX flooring. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud. 

I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have thousands of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXX daughter could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXXXXXX XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a XXXX XXXX XXXX. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXXXXXX XXXX clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process.. 


At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation