Date Received: 2023-10-28
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: My wallet was stolen and two credit cards were illegally used on XXXX XXXX XXXX One of the credit cards was the Paypal Cashback Master Card of {$700.00} at the XXXX XXXX XXXX XXXX XXXX ). I contacted PayPal to report my card was stolen and was used by the thief as soon as I got a purchase notification on my phone. I also told the representative that I filed the police report for theft and illegal/deceptive use of my credit cards. After issuing a new account number, I noticed that {$700.00} from XXXX on XX/XX/, was posted to my account. I called back Paypal on XX/XX/2XXXX asking why I saw {$700.00} posted on my account, when I would get a confirmation letter for this stolen credit card/fraud activity report, and if you need any police report number associated with this incident. However, the representative said, No, it's NOT needed. Then, all I heard was that I would receive a letter for this report in the mail, a temporary credit for {$700.00} would be credited back to my account soon, and it would be investigated by Paypalwhich can take up to days. As of today, XX/XX/, I have NOT received a letter of this incident being investigated. I DO NOT see a temporary credit of {$700.00} in my account. I also want to know how you will investigate this WITHOUT any police report number or other evidence/information I offered/am willing to provide. Since my entire wallet was stolen, all other banks and credit card companies requested the police report number and the police officer 's name, including the contact number from me, EXCPET PayPal. I WANT TO KNOW how you will investigate this {$700.00} charge at XXXX and how you will tell this card was used by a thief on that day without any information. PLEASE send me a confirmation email or letter regarding this illegal activity report and how it will be investigated. PLEASE issue a {$700.00} credit back to my credit card. Here I have attached three documents, Two police reports from the XXXX Police Department One pdf file of emails from XXXX Store Manager
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tried to pay my membership fee, {$25.00}, for my business to XXXX XXXX XXXX XXXX, addressed XXXX XXXX XXXX, XXXX, NJ XXXX by using a store credit card of XXXXJ Maxx credit card, ending XXXX. However, I have not received any paid information from TJ Maxx ; even though I had the receipt of payment online. Therefore, I tried to check TJ Maxx online whether it received the payment ; however, due to the loss of my memory regarding the password, I could not open with my three email addresses. I tried to call the customer service without any result and their message system asked only about the purchase ; so, I did not send the message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called customer service spoke to a representative and an account manager named XXXX to have the {$15.00} late fee to be removed. The due date on my account was XX/XX/XXXX and I forgot to make the payment on or before the due date. I made the {$200.00} payment on XX/XX/XXXX. The account manager XXXX said he could not waive the {$15.00} late fee because there was already two late fees waived this year in XXXX. One in XX/XX/XXXX and XX/XX/XXXX. I told the account manager that the second late fee was waived because it was a technical error on the bank 's part when I made the payment on XX/XX/XXXX not being posted on XXXXTherefore, that second late fee waive was not from my request! I get an email notification on XX/XX/XXXX saying that my minimum payment was past due. I chatted with the online chat representative on Synchrony Bank 's website. The online chat representative told me he was going to cancel the {$70.00} payment that I made on XX/XX/XXXX due to the bank 's technical error and that is the reason the payment didn't post on the account. Therefore, he instructed me to make payment again which I did on XX/XX/XXXX and that any late fee if applied they would automatically waive it. As a result of this, the second late fee waive was not from my request personally it was due to the technical issue on the bank 's part. Why should I be penalized for the second late fee request when it was the bank 's technical error? They can't even waive a {$15.00} late fee since I technically did not request the second late fee be waived??? That's ridiculous! Is this company desperate for money? Are they practicing their business legally? I mentioned to the account manager XXXX that I will pay the remaining balance owed leaving the {$15.00} left outstanding for the life of the account until this issue is resolved to my satisfaction. This company should realize that without the customers this company would be out of business. This is totally UNBELIEVABLE!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This companies listed accessed my credit information. I have never applied anything from this companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCHEVRON XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My PayPal Credit Card was randomly closed without formal correspondence. ( Neither written nor digital. ) I did not request to close the account and my account has stayed in good standing. Purchases were regularly made using the card and payments were persistently posted on time. I would like an explanation as to why the card was closed and for the account to promptly reinstated. This is not a fair situation, and I question the legality of closing an account without any correspondence what-so-ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX has been asked to provide a signed document of release of judgement for over a year since the debt has been paid. They provided an unsigned copy but have not released the judgement which is causing financial hardship as I am disabled and unable to obtain a clear title to sell my home. Several calls and requests have been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: application number : XXXX Someone tried to open an account on my credit report and Synchrony Bank is the creditor. There is an inquiry on my report that should not be there as i did not open, apply for an account with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, our dog had surgery. We paid XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} with my Care Credit card. They are providers for Care Credit and the purchase was eligible for XXXX months no interest so we accepted those terms. On XX/XX/XXXX, I called Care Credit to make a payment of {$1800.00}. I had XXXX active promotional purchases on my Care Credit account at that time and was instructed by a Care Credit representative to call in payments to make sure they were allocated how I wanted them otherwise they would automatically be put toward " general '' purchases to " help me avoid paying interest '' so I was told. My 3 active promotional purchases were as follows XXXX ) {$700.00} expiring on XX/XX/XXXX, XXXX ) {$610.00} expiring on XX/XX/XXXX, and XXXX ) {$2500.00} due on XX/XX/XXXX. When I called my {$1800.00} payment in I requested that the {$700.00} purchase be paid of completely, the {$610.00} be paid off completely, and the remaining {$470.00} be applied to {$2500.00} purchase leaving a balance of {$2000.00}. On XX/XX/XXXX, I checked my account to find my payment applied incorrectly. {$140.00} of the payment had been applied to the original {$700.00} leaving a balance of {$560.00} and the rest had been applied to " general '' purchases on the account. I called to have it corrected. On XX/XX/XXXX, my account was finally correct online. I had XXXX remaining active promotional purchase and the balance was {$2000.00}, and that was accurate. On XX/XX/XXXX, we had a recheck at the veternarian 's office and they refunded my Care Credit Card {$250.00} which should have applied to the {$2500.00} because we overpaid for her XXXX. On Tuesday, XX/XX/XXXX, a promotional purchase that had been paid off with the {$1800.00} reappeared on my account so now I showed XXXX active promo purchases. XXXX ) {$140.00} due XX/XX/XXXX and XXXX ) {$2000.00} due XX/XX/XXXX. The refund of {$250.00} was applied to general purchases instead of her surgery ( the {$2500.00} purchase ) which is why we were owed a refund. I called Care Credit MULTIPLE times trying to correct this. I am being told that I need to wait XXXX billing cycles for the account to be corrected, but I am required to make a payment every month in order to keep my account in good standing and I need to make at least a {$300.00} payment every month to make sure I pay off the promotional balance in time. I do not feel comfortable making payments on an account that is wrong. I called Care Credit on XX/XX/XXXX and was able to speak to an account XXXX who listened to me and said she was making notes and sending everything back to the billing team to correct the account. She requested that an email be sent to me letting me know when the account was corrected. She told me to check my account in XXXX weeks. Upon checking my email and receiving a letter that my payment was allocated as I requested, I checked my account to see if it in face was correct ( XX/XX/XXXX ) and my account is even more incorrect than it was before. I now have XXXX active promotional purchases again. XXXX ) {$140.00} expiring XX/XX/XXXX XXXX ) {$1700.00} expiring XX/XX/XXXX XXXX This amount is finally correct* XXXX ) {$250.00} expiring " until paid off '' The refund is now showing as a purchase that I owe for. How this happened... I have no idea. I called Care Credit again, and they told me that I need to continue to wait until my next statement comes out and there's nothing they can do right now. I can not make another payment on this account until it is accurate, and I have another payment due by XX/XX/XXXX. I made the {$1800.00} payment on XX/XX/XXXX so we are going on a month of the account still not being accurate. This is unprofessional and designed in a way to prevent consumers from paying off their promotional purchases in time therefore owing Care Credit deferred interest. I am making my payments by phone the way they requested and they are still not being applied to the promotional purchases correctly. They are doing everything they can to ensure that I end up owing interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A