Date Received: 2023-11-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 I went to the XXXX XXXX in XXXX TN XXXX XXXX XXXX XXXX XXXX and had a tooth pulled. I signed up for " CARECREDIT '' - and my balance of XXXX was paid by them. After reading the terms that I had 5 days to pay the bill and rescend the offer of credit I did- I went to XXXX XXXX on XX/XX/XXXX and paid the XXXX in full. I can show my bank statement. However, XXXX XXXX did not refund CARECREDIT till XX/XX/XXXX which is more then 30 days after my account was opened and closed XX/XX/XXXX - and CARECREDIT charged me a XXXX dollar fee. Carecredit refuses to fix this- and XXXX XXXX refuses to fix this. XXXX XXXX was late/slow refunding the money to CARECREDIT so they charged me a fee. My purchase balance with CARECREDIT is now XXXX but because XXXX XXXX was late refunding them I was charged a XXXX dollar fee which is now ballooned to XXXX dollars. MY carecredit account is XXXX XXXX XXXX XXXX I want this issue resolved and account closed. It is XXXX and CARE CREDITS fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Jc pennys card never late and never maxed out my cc took my limit from XXXX to what I owed XXXX for no reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I had a credit account with Amazon I closed it because Synchronic was charging me too much fee even though I paid extra to my account every time I paid it. Last XXXX I called Synchronic and requested that the account be closed and paid the balance which was over {$800.00}. Two months later, this month I received a bill from Synchronic stating that I owe the bank. I don't owe Synchronic not even a XXXX because I paid the balance in full and requested that the card be closed. This has been very stressful, Synchronic charged me every time I had a late payment of {$40.00} penalties. I need help, please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the XXXX XXXX XXXX XXXX from Synchrony Bank with an offer of XXXX XXXXXXXX XXXX for spending {$3000.00} within the first 3 months of card membership. I was approved with a credit line of {$1500.00}. The main issue I encountered was the bank refused to free up my used credit line even a week after my payments had been posted. It was very annoying to not be able to use my card for purchases due to both the very low credit line and extremely long time for my available credit to free up even a week or more after my payment had been posted. This was especially apparent in the last few weeks of the offer period where I simply could not charge enough to the card to reach the advertised bonus since I was given a quite low credit line and had to wait an unreasonably long time for credit to free up even after payments had shown as fully processed. I ended up being able to spend {$2900.00} out of the {$3000.00} required for the offer. I called the bank and explained the situation hoping they would make an exception since their system simply did not allow me to do the necessary spending. They said they would open a case and get back to me but I never heard back. This was back in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid XXXX on XX/XX/XXXX and another payment of XXXX on XXXX XXXX XXXX XXXX XXXX never cashed checks and charged late fee. My bank said payment cleared the bank. So I had to have my bank re issue another payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XXXXXXXX XXXX XXXX, I applied for a TJX Platinum Mastercard. A charge of {$44.00} was placed on the card at that time. After learning that my credit score decreased by nearly XXXX points in 2 months, I investigated to try and determine the cause. I discovered that the culprit was this {$44.00} charge from TJX that I had not paid, however, until that time I had not received a billing statement. TJX/Synchrony bank failed to send me any billing statements, and therefore, I was unaware of any outstanding balance and did not have any method of paying this bill. TJX admitted to me that they did not send billing statements and refunded all late fees, however, they reported to the credit bureaus that I am 120 days late on that bill. This action by TJX has severely and negatively impacted my credit score. I have never made late payments on any account before, and I had a very good credit score. I have attempted to dispute this with TJX multiple times, and I keep getting told that they are reporting accurately to the credit bureau 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01930
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XX/XX/2023 I established a MasterCard business account with Sam 's. The account was approved and {$360.00} of items were charged. XX/XX/2023. I had not received the bill from Sam 's nor a credit card. I reached out to Sam 's and they directed me to Synchrony Bank, which holds ownership of the account I contacted Synchrony they did not know the account. I held the line for three hours, trying to validate that this account did exist. I never received the bill or a credit card, finally, synchrony referred me to the fraud department. I was rerouted to customer service and informed that I needed to fax in something that validated our new address. I faxed in a letter from Georgia 's secretary of state validating my address, and phone numbers. I held the line for a total of three hours before reaching an American citizen who was helpful and reassured me a card would be issued. I had not received a bill or credit card by September. I again reached out to Synchrony who confirmed that they had received the letter from the Secretary of the State of Georgia and had our updated phone numbers. In XXXX, we received a bill from Synchrony and a letter stating the account had been adjusted, but no credit card. We contacted the company again to be held for over 3 hours discussing the matter. The company once again is asking us to validate our authenticity and resend information. When asked to speak to an American citizen the reps became hostile and hung up on us. We have met all requirements through the federal Customer Identification Program ( CIP ) and this bank has validated this by billing us as a customer. I do believe that this bank violates providing fair and equitable customer practice. This bank also should provide knowable service representatives who can comprehend and speak XXXX that is comparable to the levels of their overall service population. Prolonging this unsettled matter is causing harm to my credit/reputation as a business owner. Synchrony has received all information requested that validates my company 's authenticity and has billed us accordingly, Synchrony Bank has yet to release the credit card that was approved in XXXX of 2023 as of XXXX of 2023 but has billed us stating that they are unable to validate the authenticity of our company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: PayPal cash back XXXX rewards withheld due to online inaccessibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've noticed these credit card inquire that I do not recognize. These bank did not take part of making a solution when the inquires was made. Dates provide below are the dates inquires was reported and when the they was informed. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i did not authorize or give permission to run my credit to any companies nor anyone at all i would like for you to remove any and all hard inqury off my credit report that iam makeing this complaint on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A