Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I signed up for a Care Credit card in XXXX of XXXX as a financing option for a medical service. The initial purchase amount was around {$1200.00}, and I was approved right away during the consultation at the XXXX XXXX. On XX/XX/XXXX of XXXX I was charged {$740.00} of interest alone, which made my total balance increase to over the initial purchase amount. I was never told that this card had deferred interest and if I didn't pay off the whole balance in 24 months, that I would be charged 30 % interest on the initial purchase amount. And I have made payments on this card, to be fair. If I had been told this, I would have never agreed to use this card. The main reason why people are drawn to these credit cards in the first place, is to pay off a debt they can not afford to pay in full, and so the idea of deferred interest seems to directly defeat the purpose of this. In my opinion, these terms are extremely deceptive and fraudulent. This does not sit well with me at all, and this will be the last time I do any kind of business with Care Credit, or Synchrony Bank. They could care less about the people who fall victim to their terms, in fact they have no problem defending the terms as if they make sense in the first place. People are struggling with bills, and inflated prices making it hard to pay for necessities, and I feel like there is no one out there to defend me or people like me who just want to be treated fairly. I guess this is the way the world works now, and if you can't pay the outrageous price in full, then you just deserve to stay behind forever. Thanks a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I paid PayPal off the full balance of the account and for three years they have denied receiving the payment and continues to charge interest and fees for three years and report me to the credit unions and I have contacted the Attorney General in Florida and Massachusetts. Ive written into and reported XXXX XXXX for them to finally finish their fraud investigation through XXXX XXXX and I sent the statement showing the cancelled check from XX/XX/. Ive written continued letters, certified letters, faxes, and made phone calls. Ive spent so much money for copies, mailings, faxes. Ive sent the investigation letter proving they received the payment and I had XXXX XXXX contact them by conference call with my daughter and myself. They were told to stop sending me letters, statements etc and stop charging fees and interest and the emails, letters, phone calls are daily and worse? I am XXXX with a XXXX XXXX and XXXX XXXX and this has caused tremendous stress and huge issues with my credit reports. Theyve taken off the payments and put them back on three times. I keep having to send the credit unions envelopes of proof of all dispute material. The Attorney Generals contact gave me the address of the XXXXwo PayPal Managers and theyve been sent certified letters twice. I have all this proof if you would like me to mail. Synchrony Bank was sending All letters and changed it to I need to contact PayPal to find the money that they received?? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: All of this started back in XXXX of XXXX when PayPal was sending a charge for some service or product that was not clearing on my PayPal credit account, or clearing through the preferred payment card that I had on file to all of the other payment cards that I had on the account. Now, PayPal requires a person to add any card to their account in order to use it to pay their bill, so I had multiple cards that were not to be used for transactions on the account. I had attempted to remove all of these extra cards, but PayPal kept giving me error messages and " saying try again at a later time '' and because I had not had any issues prior to this, I didn't worry too much. However, back in XXXX when they sent this charge to multiple cards, they ended up sending this charge to a credit card that I had on file, and it ended up over-drafting that account. Because I had NOT given PayPal permission to bill that card as it was not the preferred card, and it was only on the account because I used it to pay them, and because the company whose product or service I was using did not have access to that card information, my credit card company refunded the charge and put the company on the block list so no future charges could be processed by them. Once my credit card company had resolved the issue on my end, I logged into my PayPal account on XX/XX/XXXX to get those extra payment cards off of my account so that this did not happen again. I have video of my attempting to do this and PayPal giving me that same message of not being able to process my request. I also then realized that all of a sudden, I had a negative balance {$40.00} something dollars on my PayPal cash card that I had not used since I went to XXXX back in XX/XX/XXXX. I believe I used it XXXX time after I came back home in XXXX, and there was only like {$0.00} remaining on the card. So I messaged customer service in regards to the negative balance on the PayPal cash card and why I couldn't remove my extra payments cards off of my account. They responded with their generic apology and said basically, try again. They didn't even address the fraudulent charge that was on the PayPal cash card at all. Not to mention that I didn't even have the PayPal cash card anymore because it had expired, and because I only got the card for my vacation, I didn't order a new one because I knew I wasn't going to use it. I stated that I needed them to fix this now, and the person who was responding essentially told me that they couldn't do anything. That is when I ACCUSED PayPal of fraudulently holding my financial information so that they could send charges wherever they wanted to, and that they did not have my permission to do that. I also stated that I was not paying my PayPal credit balance of {$280.00} something until they resolved these other issues. Mind you, the payment wasn't even due yet so there was time for them to fix the problems in order for me to pay them on time. In fact the rep could've fixed the problems right then by helping me with my issues, but chose not to. So I REQUESTED for them to start the process of closing the account because I no longer trusted PayPal credit. I immediately reported this to the XXXX XXXX XXXX. ( I can only access the report through their portal, but It's old so I am not sure how to do that ). While waiting on the XXXX response, I had attempted to log into my PayPal account on XX/XX/XXXX and I couldn't get in. I have video of this attempt and it telling me that some unusual activity had occurred on my account, and that I needed to change my login info. I reported this to the XXXX as well and PayPal and Synchrony Bank where passing the blame back in forth on each other. Even stated that they showed no report of fraud or unusual activity on the account so they didn't know why it was stating that when I tried to login. have no access to my billing statements or the chat of the conversation I had. I never received a final, closing billing statement for the charges that I knew I owed them, and the fraudulent charges were never even addressed. All I have received is a bill for {$410.00} from PayPal and the collection agency. There is no explanation for why the bill is {$410.00}. This collection showed up as being removed from my credit in XXXX XXXX XXXX. It is possible that it was removed in XX/XX/XXXX but I did not pull a report for that month, same with XXXX of XXXX, as the account was re-added to my credit reports in XX/XX/XXXX. I am waiting on statements from the other banking services regarding the multiple attempts they received from PayPal to show they did exactly what I am stating they did. And again, I also have videos.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Care Credit gave me a credit line of $ XXXX in XXXX after I had paid nearly $ XXXX off they reduced my limit to $ XXXX making it apear as though my card was maxed out causing my credit score to plummet. I suffered dropping creditt scores and was denied financing as a direct result of ther tactics. They just reduced it again from $ XXXX to $ XXXX after I had nearly $ XXXX available credit on the $ XXXX. I called to conftront the obvious scam tatctics and was not surprised to find their reasson to reduce my credit line was that i wasnt using the creidt therfore they destroyed my credit becasue i was being responsible with the credit line. Shameful, they need to make this right they charged me enormous fees and then they destroyed my credit i am reading through thousands of consumer complaints exacalty the same as mine. Care Credit is a predatory lender
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: They stated that for ME only this balance transfer was blocked. They refused to say why they have been steadily cutting down my credit limit each month and are refusing to honor purchases. These were not the original terms of agreement and they can't keep changing terms without notification and discriminating on me personally. I am a XXXX that can't afford to keep paying their disgustingly high interest rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Lowes whose collection agency is Syncrony Bank is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Care Credit has charged me an obscene account of interest when a promotional balance was paid off. They also were applying my monthly payments towards a promotional balance that had a expiration date further out than the one I was paying off. Therefore, made my expiring balance not paid in full on time. I have the Statements showing promotional balances paid in full but are still charging me interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX, Synchrony Bank, and XXXX XXXX XXXX 15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: WIFE DIED XX/XX/2020. THESE ACCOUNTS WERE UNKNOWN AT TIME OF DEATH. WHEN XXXX WAS MADE AWARE, HE PAID OFF ALL ACCOUNTS, CONTACTING ALL CREDIT CARD COMPANIES AND INFORMING THEM WIFE IS DEAD AND ACCOUNTS NEED TO BE CLOSED. PAYPAL, SUBDIVISION OF SYNCHRONY BANK, SAID THEY CLOSED THE ACCOUNTS. THEN WHEN A RENEWAL AMOUNT ARRIVES, UNKNOWN TO XXXX, THE PAYPAL ACCOUNT IS REACTIVATED AND THE BILL SENT TO XXXX. HE IS NOT RENEWING ANYTHING, AND HAS CONTACTED EVERYONE HE CAN FIND TO CLOSED AND CANCEL. BUT PAYPAL REFUSES TO BELIEVE SHE IS DEAD AND CONTINUES TO HARRASS WITH ADDITIONAL BILLS. YESTER ANOTHER BILL ARRIVED AFTER WE CONTACTED THEM AND SENT ANOTHER CERTIFIED LETTER CONTAINING THE CERT COPY OF DEATH CERTIFICATE TO THEM, REQUESTING PAYMENT FOR A NEW CHARGE. NO ONE WILL ACKNOWLEDGE THE PREVIOUS PERSON HE SPOKE WOTH EVEN WORKS THERE, AND THE BILLS KEEP COMING. NOW WHAT DO WE DO?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/23, I lcvd a txt alert from Synchrony Bank about fraudulent activity on mu Lowes acct, I spoke with rep and account closed. XX/XX/23 I rcvd in the mail a XXXX credit card opened in my name with a charge of {$2700.00}. Spoke with Fraudulent dept, the acct was closed. XX/XX/23 I dcvd a notice in the mail from XXXX that someone was attempting to open a XXXX credit card in my name, spoke with Fraud dept and application closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A