Date Received: 2023-11-02
Issue: Credit limit changed
Subissue:
Consumer Complaint: I XXXX XXXX received a notice dated XXXX as stated on pay pal credit notice stating that adverse action had been taken on my account lowering my credit limit from {$2300.00} to {$320.00} ..i was unaware of the changes made to my account as i was not properly informed due to the delivery of the notification via email... i am enrolled to receive paper statements so i would think that the notice would be sent via the postal mail to my home address of the account but it was sent via email which caused me to have notice it 2 months later ..in the notice they stated they pulled my consumer report from XXXX on XXXX and came up with a credit score based off Information from a old report and made their decision. I did not give pay pal credit my consent to pull my consumer report and their actions is adversely ruining my reputation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have the proof payment was made and they never took the payment and applied to the balance. {$5500.00}. paypal credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to file a formal complaint against SYNCBXXXX regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Synchrony Bank continues to report on account status beyond the allotted period allowed. Also, I have never received a 1099-C regarding the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
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 purchased with my synchrony bank PAYPAL MASTERCAR CREDIT CARD by XXXX for the amount of {$350.00} a XXXX XXXX XXXX for a desktop computer, with the description, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the order number XXXX. The situation is that the seller with the name XXXX Store, scammed me, I did receive an article at my home address, but my surprise was that that the article was a joke, this store or person sent me a XXXX XXXX XXXX XXXX. Right after I reported by a dispute to XXXX and PayPal, attached the whole documentation I have. The dispute at XXXX is FROZEN at this time, with the description, this order is frozen because a chargeback has been filed. I called PayPal couple times because at this time my card has a charge of the whole amount of {$350.00} and the representative explained to me that the case is close ( I LOST ) because I never presented proofs. For that reason, I am filling this case, with the proofs and documentation i have, also for my records,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Recently, PayPal Credit rolled out updates to their mobile application. Unfortunately, these updates have made accessing the PayPal Credit section of the app nearly impossible. Whenever I attempt to make payments or manage my account through the app, it either crashes unexpectedly or the specific PayPal Credit section malfunctions, preventing me from carrying out essential tasks. This technical issue has persisted despite multiple attempts to resolve it, causing significant frustration and inconvenience. Furthermore, PayPal Credit has refused to enable autopay for the deferred interest feature, which is the primary reason I opted to use PayPal Credit for my purchases. The 6-month no-interest promotion on purchases of {$100.00} or more was a significant incentive for me, allowing me to manage my finances effectively. However, without the option for autopay, I am left with limited choices : paying a fixed amount or the full balance. Neither option is suitable, as I may not always have the funds readily available to pay the entire balance, leading to deferred interest charges and late fees. This situation is incredibly predatory, as it forces users like me to manually send payments for the specific promotional amount, making it challenging to avoid deferred interest. The inability to set up autopay for the deferred interest amount not only undermines the advertised benefits of PayPal Credit but also puts users at a considerable disadvantage. The absence of this feature has led to me incurring unnecessary charges, including a late fee of {$30.00} and an interest charge of {$5.00} in my recent billing cycle. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold PayPal Credit accountable for their actions. Users should not be subjected to faulty app functionalities and denied essential features that prevent them from taking advantage of the benefits promised by the service. I request that you take swift action to rectify this situation and ensure that PayPal Credit provides a fair and transparent user experience, free from predatory practices and inconvenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: dear XXXX, XXXX i recently received your reply to my concern unfortunately we did not come to an understanding so i would like to initiate arbitration. i sent a demand letter back in XXXX it was never delivered because the address is not service. i had also sent XXXX to your lawyer XXXX XXXX and they said they forwarded it to you I will send it again. XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Bank Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have XXXX inquiries on my credit report that where requested on XX/XX/2023 and XX/XX/2023. I did not authorize any of this activity on my account through this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: While checking my most recent credit report I noticed unauthorized and fraudulent charges and inquiries made by this company even after I advised them of identity theft and asked this account be closed and removed from my credit report. I advised that the store owner illegally forged my name without my permission on this contract. I did not authorize anyone nor give Written consent to anyone employed by this company to furnish any information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. I notified Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am not responsible for the listed account as I am a victim of identity theft. I forwarded an identity theft police report number from my local police department, my report/complaint number with the FTC as well as a copy of my complaint with the attorney general and will attach the information yet again for review. I also furnished Synchrony Bank with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online they have continued to violate my consumer rights. 15 US Code 1108/c-2, clearly states a stop the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. Synchrony Bank is in violation of this law because I am a victim of identity theft!! I want this account closed immediately and to stop reporting on my credit report as this is a violation of my federally protected consumer rights and as the law advises. I would hope that Synchrony Bank no longer violates my rights and removes and blocks this account and its information as well as ALL inquiries associated with this identity theft. If this account is not closed IMMEDIATELY as the Federal Consumer Law suggest I will have not option but to bring a Civil Suit to protect my Federal rights and seek ANY and ALL the judge sees fit. XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$4400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My information was stolen and was used for XXXX XXXX cards and synchrony bank care car accounts and care accounts and now when I contacted each of them they werent able to provide me correct information on how my information was used or proof used to sign up for accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79407
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A