Date Received: 2024-02-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a PayPal account and made payment electronically from my XXXX XXXX checking account. My checking account was hacked, and the XXXX XXXX closed the account and opened a new one. I had payments to Paypal returned insufficient funds. I called Paypal to explain the reason why. They recorded the information but then closed my account and won't let me re-open it. Account was paid off early and XXXX balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've been using my {$100.00} Amazon credit card through Syncrony Bank and paying it off in full every month. I went to use it today and it was declined, when I went to my account page I found out they'd closed my account, with no warning and no reason given. It's completely inappropriate since I've been paying it off in full every single month, and they gave me no communication whatsoever about the closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: PayPAL is through Synchrony Bank, they close my account because they said that it was at high risk of failure to pay but I always paid my account on time because I don't like late fees. I also got a XXXX XXXX XXXX through them that was XXXX dollars and they took it down to XXXX dollars it is still open. Can they just close your account when you are making on time payments and never late because it is low
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I didn't have enough funds to cover the {$800.00} payment to PayPal credit card. I made another payment of {$820.00}, {$150.00} and {$410.00}. Because I miscalculated on the {$800.00} payment they are now holding all my funds until XX/XX/XXXX. The {$820.00}, {$150.00} and {$410.00} were taken out of my XXXX checking and given to PayPal credit card. Yet, they refuse to let me have access to my money. This is called theft. If a criminal on the street robbed me of these funds I could call the police and file a complaint. This is why I'm filing this complaint, in the hope, that CFPB can resolve this issue and I can have access to the {$1300.00} that I deposited into PayPal credit card. The additional problem is this. I have a credit limit of {$900.00}, so PayPal won't be able to put {$1300.00} onto my card, unless the give me an increase. What a mess they've created for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2022, I was on the chat with a customer service representative, about a payment. I wanted to close my account and he said that if I paid it in full that I would avoid interest charges. I paid in full in the amount of {$590.00} and closed the account. However a smaller amount was credited to my account and the company said I still owed more. I disputed this with a supervisor named XXXX and he said he would take care of it and the amount would be gone and back to {$0.00}. The same thing happened and only a smaller amount was credited to my account again. I disputed it and the same thing. Meanwhile I have been accruing interest charges and late fees. When I tried to dispute this again I was told it would be looked into. I then get a letter from a debt collection agency. I called Synchrony Bank again to dispute. Conveniently ever since it went to a collection agency, Synchrony Bank can not find a whole lot of information regarding my account. A letter came to me in the mail saying they need more information about the payment I made which I sent a bank statement. Another letter came in the mail saying they could not locate the payment based on information I provided which is why I am filing a complaint. I have been dealing with them for too long with no results. One of the statements attached will show that only a part of my original payment was credited and not the full amount. The other statements show past due amounts and interest fees that were accrued since said payment. I also included the bank statement that I sent to them showing that I paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Bank which manages my Lowe 's store credit card has arbitrarily forced customers to go paperless for billing and if a customer does not they will charge a {$1.00} fee a month to receive paper bills. I fell like this is unfair to those of us that use paper statements to do our home budget. There is no appeal process or way to be " grandfathered '' in to receiving paper statements. This is not right and I feel unfair to the consumer. Is this illegal? Can they do this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
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/XXXX, I brought my dog to XXXX XXXX, CA. The total bill was {$810.00}. I asked the cashier to put it under the promotional plan on my Care Credit Card. She had requested that I send it through the credit card terminal. After I realized that it was different from how I remembered promotional/payment plans are processed and requested the cashier to confirm, the cashier asked me to press the red button to cancel the transaction. Unfortunately, the cancellation was not going through. She thought that the terminal may have frozen. She then processed the payment under the promotional/payment plan on a different system. This is the one I signed. Right before leaving the XXXX branch, I checked my Care Credit account. I saw I had been double charged. The cashier said that one of the charges ( one processed through the terminal ) would drop. I filed a dispute with Care Credit. They reversed the charge effective XX/XX/XXXX, pending investigation. On XX/XX/XXXX, the {$810.00} reversed on XX/XX/XXXX was rebilled to the card. Around XX/XX/XXXX, XXXX from XXXX XXXX and I spoke with a XXXX Representative. She and I kept explaining that there should only be one charge of {$810.00} for about an hour. The representative On XX/XX/XXXX, I brought my dog to XXXX XXXX, CA. The total bill was {$810.00}. I asked the cashier to put it under the promotional plan on my Care Credit Card. She had requested that I send it through the credit card terminal. After I realized that it was different from how I remembered promotional/payment plans are processed and requested the cashier to confirm, she asked me to press the red button to cancel the transaction. Unfortunately, the cancellation was not going through. She thought that the terminal may have frozen. She then processed the payment under the promotional/payment plan on a different system. This is the one I signed. Right before leaving the XXXX branch, I checked my Care Credit account. I saw I had been double charged. The cashier said that one of the charges ( one processed through the terminal ) would drop. I filed a dispute with Care Credit. They reversed the charge effective XX/XX/XXXX pending investigation. On XX/XX/XXXX, the {$810.00} reversed on XX/XX/XXXX was rebilled to the card. Around XX/XX/XXXX, XXXX from XXXX XXXX and I spoke with a XXXX Representative. She and I kept explaining that there should only be one charge of {$810.00} for about an hour. The representative reOn XX/XX/XXXX, I brought my dog to XXXX XXXX, CA. The total bill was {$810.00}. I asked the cashier to put it under the promotional plan on my Care Credit Card. She had requested that I send it through the credit card terminal. After I realized that it was different from how I remembered promotional/payment plans are processed and requested the cashier to confirm, she asked me to press the red button to cancel the transaction. Unfortunately, the cancellation was not going through. She thought that the terminal may have frozen. She then processed the payment under the promotional/payment plan on a different system. This is the one I signed. Right before leaving the XXXX branch, I checked my Care Credit account. I saw I had been double charged. The cashier said that one of the charges ( one processed through the terminal ) would drop. I filed a dispute with Care Credit. They reversed the charge effective XX/XX/XXXX, pending investigation. On XX/XX/XXXX, the {$810.00} reversed on XX/XX/XXXX was rebilled to the card. Around XX/XX/XXXX, XXXX ( Manager ) from XXXX XXXX and I spoke with a XXXX Representative. She and I kept explaining that there should only be one charge of {$810.00} for about an hour. The representative refiled a dispute on my behalf. On XX/XX/XXXX, Care Credit continued to deny my claim. Please help investigate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the following information on my credit report. The items I dispute are also encircled on the attached copy of the report from your bureau. This item ( a hard Inquiry from SYNCB/WALGREENS ) is wrong because I never made this transaction. I am requesting that this item be deleted. Please investigate this matter and delete the disputed item as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
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: I received dental work. Was approved for a care credit card. Authorized a purchase for XXXX. However after leaving the office I was charged an additional XXXX that I did not agree with. CareCredit is not helping me get my money back. They basically told me XXXX on my own and should file a police report. I am paying interest on a charge I never authorized and XXXX XXXX refuses to give me a refund Or give me a receipt or proof that I authorized payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Synchrony bank restricted my account for trying to withdraw my own money now my account is wrongfully restricted with XXXX sitting in it which I need to purchase a house, they restricted my account onXX/XX/XXXX and still have not provided a valid reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A