Date Received: 2023-10-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I purchased tires with my Discount Tire credit card with the promotion of no interest if paid within 6 months. The total almount was {$700.00}. The first payment I made was for on XX/XX/2023 for {$330.00}. I continued making payments on time and my current balance is {$120.00} which I planned on paying on XX/XX/2023. Today, XX/XX/2023 I received a letter dated XX/XX/2023 from Synchrony Bank notifying me my credit card account with Discount Tire was closed. The reason for the was " dishonored payments ''. I immediately contacted customer service and was told my account was closed because they had me on automatic payments and the payments were not honored. I then learned they were automatically deducting payments from a bank account I closed more than two years ago. The automatic payment I set up was for a previous purchase but they without my consent kept the automatic payments on a new purchase. I was unaware about the automatic payments but I was still making payments regularly and on time with my new bank account. But apparently, they do not have a system in place to let them know I was making regular payments. The customer service agent kept saying I am sorry but never did anything on her part to correct my issue. She started to tell my I can call my previous bank institution but I refused to that. My complaints are I was never properly notified that my payments would be automatically deducted, I was never properly notified that the automatic payments from a previous bank were being rejected. Customer service said they called me but they do not leave messages. I do not answer calls with numbers I do not recognize. At the very least leave a message. Customer service also said they sent a letter previously but I never received it. I am concerned this will affect my credit report. Their practice of closing accounts without proper notification or reason ( I was making paytments from my new bank accout ) is wrong and in my opinion illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Care credit account opened in XX/XX/XXXX, I have made payments totaling just over {$2000.00} and I have only paid down my balance by just under {$400.00}. I was enrolled in a credit protection program that I did not authorize which was charging me {$52.00} per month. In XXXX of XXXX my available balance to use was just under {$500.00} and by the time I needed to use it, less than one month later my available balance to use was {$97.00}. ALL of the money I have paid towards this debt has been erased by fees and interest charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14086
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 -602, states I have the right to privacy. 15 USC 1681-604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open on a 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: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I keep receiving a bill from my PayPal account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. Sychrony Bank/PayPal Credit keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using PayPal. Please contact the Synchrony Bank / PayPal Credit to fix this issue and recover my credit score as soon as possible. I am a person with higher education XXXX XXXX XXXX I studied at XXXX XXXX and XXXX XXXX. I only pay for what I have purchased. Thank you for your help. Best, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have spoken to customer service five times - all recorded where they promised to remove the membership fee from my account that I cancelled in XXXX. It is now and my credit report is affected by an overdue account that was promised to me to be cancelled and XXXX balance - five times. The last call in XXXX, an operator assured me that a complaint/investigation was being filed regarding my issue. I have heard nothing since, and my credit score had dropped severely due to a 90 days late notice. I have never experienced such a complete disregard for promises made to a customer- so many times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
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: Date of Transaction : XX/XX/2023 Order # XXXX Item ordered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX Store Card : {$3900.00} Used XXXX XXXX XXXX XXXX : {$230.00} The company used XXXX to ship the item. The item was supposedly delivered but we discovered it was not at our house. We confirmed from our neighbors that they did not receive it by accident and we reached out to Crate and Barrel and XXXX. Initially they told us to give it a few additional days. It was never received but they stated it was showing delivered. We then filed a police report with the local police for a stolen product because we were also missing some other items that were supposedly delivered at that time. When we initially spoke with Crate and Barrel we provided copies of the police report. They also had us contact the crate and barrel store card who also filed an investigation and we provided a copy of the police report to them. After multiple contacts we were told to file a claim with XXXX for the stolen unit. We reached out to XXXX and attempted to file a claim. Case # XXXX Tracking # XXXX XXXX responded to decline the claim because according to their records the shipper must file all claims as per their agreement with Crate & Barrel. We then reached back to Crate and Barrel to advise of their responsibility to file a claim with XXXX but as far as I know they never filed the claim after multiple requests for updates from them. Over the last several several months we have been pushed between the Crate and Barrel company and the Crate and Barrel store card. Through out the entire experience the companies have acted as if they would help but pushed blame between each other and / or denied responsibility even though they continued to say they would help. We never received a replacement product or refund. We are not going to pay for something we never received and we know was stolen from us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor : SYNCB/XXXX has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer 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: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, this is XXXX XXXX XXXX This is what happened someone applied for a credit card account in my name online. XXXX allowed someone to issue a Hard Inquiry on my credit report. I never applied online for a credit card account through PayPal. The lender that PayPal Credit uses is Synchrony Bank I don't have an account with either or please inform these two institutions regarding this matter so I can move forward with my own life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
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 an account was opened with XXXX XXXXSYNCB to finance gutter replacement on my home for {$7900.00}. On XX/XX/XXXX the installation took place & was completed, immediately there were issues with the work. I contacted XXXX of XXXX directly beginning in XX/XX/XXXX to have the numerous issues resolved, including damage to my property, my calls went unanswered. In XX/XX/XXXX I did receive a call from XXXX of XXXX in which they stated they were on their way to my home to fix the gutters, no one showed up or called to state they would not be coming. I called XXXX multiple times after this with no resolution & in XX/XX/XXXX informed them, I would be having their gutters removed & they could come pick them up. It became clear that I would not receive resolution with the company directly. In XX/XX/XXXX after having made payments to XXXXSYNCB XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I contacted Synchrony directly in XX/XX/XXXX to dispute this transaction with the credit card company. Since then, Synchrony has done nothing on my behalf to aid in the dispute of this transaction. Synchrony has stated in their claim denial letter that the merchant is working in good faith and has been in contact with you regarding your concerns and Synchrony Bank can not judge the comfort level of purchased merchandise. I have reasserted this dispute with Synchrony In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX of XXXX has not worked with me in any capacity, certainly not in good faith, nor has Synchrony bank. Overall this complete process in hindsight has felt like a scam, with XXXX and Synchrony working together to defraud consumers. I am submitting this complaint to the CPFB, the NY State Attorney General and will also provide a copy to XXXX of XXXX and XXXX/SNYCB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently looked at my full credit report and discovered accounts that I wasnt aware of and never opened. I would like those accounts removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A