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Report: #1491784

Complaint Review: Crate and Barrel MasterCard - Orlando Florida

  • Submitted:
  • Updated:
  • Reported By: Helen — Richmond CA United States
  • Crate and Barrel MasterCard Orlando, Florida United States

Crate and Barrel MasterCard Synchrony Bank Fraudulent Charges on non activated card Orlando Florida

*General Comment: There's gotta be more to the story

*Consumer Comment: Quite True

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I applied for a crate and barrel MasterCard. I purchased $38 worth of kitchen gadgets in Corte Madera, CA. When I got my statement, there were two $704 charges from the Naperville, Il store. I live in CA. I have never been to the Naperville Store.

Then I got a letter from Synchrony bank saying they corrected a mis charge. But that was for another $24. I called the bank (actually their call center in Manila). They said I am responsible for the costs until they complete their investigation!

I can’t even fix the damage to my credit report until these incompetent b***s finish an investigation.

This report was posted on Ripoff Report on 02/16/2020 02:12 PM and is a permanent record located here: https://www.ripoffreport.com/report/crate-barrel-mastercard/orlo-florida-synchrony-bank-1491784. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 General Comment

There's gotta be more to the story

AUTHOR: Walter - (United States)

POSTED: Monday, February 17, 2020

Your headline says the card was "non activated" Yet had fraudulent charges. You state that you spent $38 on a card you claim was non active.  You also say this was a Synchronity card and that 2 charges for $704 went through. Usually Synchronity cards don't have that high of a limit.

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#1 Consumer Comment

Quite True

AUTHOR: Jim - (United States)

POSTED: Monday, February 17, 2020

They said I am responsible for the costs until they complete their investigation!  That's a very true statement.  The reality is that the charge is assumed to be correct until there is evidence to the contrary.  Synchrony does play hard ball, but ask for a US operator and see if you can better deal with their personnel in the US.

I can’t even fix the damage to my credit report until these incompetent b***s finish an investigation.  You have a couple of options.  (a) You can decide not to pay until the investigation is complete, which might ruin your credit for a while.  The other option (b) is to pay the balance now and when the investigation reveals the charge isn't yours, then you'll have a fairly large credit balance.  Option b will result in no damage to your credit report. 

I mean if you go to Crate and Barrel often, which a lot of people do, a $700 credit can be used up pretty quickly.....

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