Date Received: 2024-02-15
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I made a purchase of {$88.00} on XX/XX/XXXX. Typically autopay is enabled, but this did not go through. I did not receive email or mail notices that there was a delinquent payment for the next 2 months. I was then charged the following without notice : XX/XX/XXXX - {$30.00} late fee XX/XX/XXXX - {$2.00} interest XX/XX/XXXX - {$41.00} late fee XX/XX/XXXX - {$3.00} I did not receive any notices of these late fees, no indication that autopay was not processing, or any notices that I was delinquent. On XX/XX/XXXX I received a notice from XXXX that my credit rating had changed from XXXX to XXXX and discovered it was because of this issue. Today, XX/XX/XXXX, I called Synchrony to complain. They removed the {$41.00} late fee but say there is nothing they can do about the credit reporting. My complaint is : Synchrony does not properly notify customers of account problems ( autopay, late fees, late payments ) Synchrony charged late fees that are dramatically disproportionate to the actual charges Synchrony does not provide tools to properly manage the account ( no option to setup autopay or change notifications )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received an email that a card through PayPal was opened in my name without me applying for it. My only resolve was to close a PayPal account I opened 25 years ago. This business PayPal credit card has XXXX credit limit. PayPal did not check with any credit bureaus where all of my accounts are frozen to prevent fraud. I need this fraudulent card application deleted and the card account destroyed. I did not apply for this business credit card. Someone illegally applied under my name and the proper measures were not taken running a credit check with XXXX, XXXX and XXXX where all of my accounts are frozen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX XX/XX/year>, I was informed via a credit monitering software that CareCredit had XXXX my account. They did not inform me of this action taking place nor did they every reach out to me to discuss such information. I am interested in CareCredit reviewing my equitable rights regarding my account in which I am the beneficiary as well as them reopening my account. This has caused a major hardship for me as I have XXXX appointments scheduled for next week where I was planning on using my card there. I now have no way of successfully attending my very important doctors appointments thanks to CareCredit abruptly shutting down my account without informing me that they would be doing such a thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment for the minimum due on my statement of {$190.00} on XX/XX/2024. {$170.00} of that was applied to a fixed payment balance ( {$2000.00}, XXXX equal payments at XXXX % interest if paid in full ) and the additional {$18.00} was applied to my regular balance. This is what I expected to happen. Then on XX/XX/2024 I made another payment in the amount of {$910.00}, which I expected to go entirely toward the remaining regular balance of {$11000.00} ( at the time the payment was made or {$1200.00} at the end of the billing cycle ). They ended up applying {$360.00} toward the fixed payment balance and only {$540.00} to the regular balance. I have attached my XXXX statement I believe this to be in violation of Reg-Z SS1026.53. XXXX XXXX XXXX, which says they must apply payments to the highest interest amounts. I was not in the last XXXX months of the promotion period so that exception does not apply. I tried on XXXX separate occasions to have them re-allocate this correctly but in the first XXXX I was rejected via an emailed letter and in the last case a manager told me on the phone that " no-one here is willing to re-allocate that payment for you ''. I have attached the XXXX rejection letters I was emailed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
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: Ive been sick since right before XXXX or I would have submitted this sooner. Im XXXX with autoimmune conditions so it takes me longer to recover. My problem is with 1. Synchrony Bank, administrator of my Sam 's Club MC 2. XXXX XXXXXXXX on XXXX XXXX in XXXX, CO. The XXXX XXXXXXXX charges were made on or about XX/XX/XXXX. It was a high-pressure sales that lasted an hour and a half on a 100 degree F day. I'm XXXX and have health problems. My resistance was low. I said no several times. Finally, I agreed to buy a ~ {$210.00} item. While at the register, XXXX and his female asst. began loading up bags of product, informing me I was getting a super deal. I said no, over and over, and then relented. I figured if I changed my mind, I could exercise my consumer 3-day right of rescission. As soon as I left the store at XXXX XXXX and began driving home, I was sure I'd made an expensive mistake. The next day I notified XXXX, an XXXX and the sales agent, at XXXX XXXX. I informed him I was returning all the merchandise and would do so the following day. The next day at about XXXX XXXX I took the three shopping bags into the small store on XXXX XXXX in XXXX. About five or six people were there. One of them, an XXXX woman with a heavy accent ( looked similar to XXXX XXXX ), One was watching the front door. The rest surrounded me. I told them XXXX was expecting me. They said I had to wait. XXXX told me when I was there the day before that a female customer of his complained about him keeping her waiting for a very long time. I explained I had to be someplace in 10-15 minutes. I waited five minutes and asked them to go get him. They refused. I told them I could not wait any longer and asked again for them to get him to come and get the bags. It would have taken no more than a minute. They refused. I asked them to check in the merchandise I was returning. They told me only he could do it. They most certainly could have done it by checking each item off the two receipts. Taking the bags back home with me risked expiration of my three-day rescission period. I left the bags there. The next day I called XXXX and asked for a return receipt. He assured me everything was OK and there was no problem and reiterated the same when I questioned him. I told him I would come get a return receipt. Again, he reassured me all was well. He informed me the owner might contact me. The owner, an XXXX, did call me and kept me on the line for at least a half hour. He was angry and told me getting my money back wasn't going to be as easy as I thought. I notified Synchrony Bank about what happened. The entire amount was in dispute. The agent on the phone assured me to not worry. I called a second time asking why the XXXX XXXXXXXX was still on my statement two months later. Just before I was due to fly out of state, I noticed my XXXX statement ( or XXXX? ) showed the entire amount had been paid. I couldn't believe my eyes. No one had notified me in writing by XXXX. All other credit cards did this when I've had disputes in the past. Later, I learned a letter had been posted on my messages section of my Sam 's Club page. I never check that part of my Sam 's Club page. My payment is automatically taken out each month so there is really no reason to check my messages section. I've attached a letter that was posted in my Messages section of my Sam 's Club webpage. The letter is dated XX/XX/XXXX. It verifies a receipt was received by the vendor, i.e., XXXX XXXX Where is it? It was in my Messages section when I last checked. XXXX told me she had seen the receipt and confirmed it was very difficult to read. It was more than very difficult. It was impossible to read. However, she might be a little biased because she works for Synchrony and doesn't want to jeopardize her job. I've called and called. THREE times my case has been reviewed. The first case # XXXX was closed on XX/XX/XXXX without my knowledge. I spoke with an acct. rep. named XXXX. No last name or agent number. He had accepted a receipt posted on my Sam 's Club web page messages that was entirely ILLEGIBLE. Later, I found the TWO receipts from XXXX in my home. They were altogether different than the one XXXX accepted. The receipt submitted by XXXX XXXX was fraudulent. I then spoke with XXXX, XXXX 's manager, who informed me the case was being re-opened. While on that first call with XXXX, he told me they paid the entire XXXX XXXXXXXX to " help them out. '' It was paid on XX/XX/XXXX, XXXX days after the XXXX attack on XXXX. Excuse me, but that was not their money to give away. I told him so. The second case # XXXX was closed on XX/XX/XXXX. I only discovered that when I called to find out the status because no one notified me what was going on. The third case # XXXX was opened approx. 8 weeks ago. I spoke with a woman named XXXX who was in South Dakota. She was helpful. To date, my XXXX XXXX has not been returned. I wrote a long letter to Synchrony and faxed it as well as sent it via XXXX. I've sent my own receipts which detail each item, unlike the fraudulent mere one receipt submitted by XXXX XXXX. I received a letter from Synchrony a few days ago instructing me to send a letter explaining why my money should be returned. What?! I already did. More than once. This is not only fraudulent, it is elder abuse. I have health issues. XXXX XXXXXXXX is a lot of money to me. I need it to get long-deferred XXXX work, among other things. I will be happy to send other supporting documents if requested. One final VERY IMPORTANT mention : The illegible receipt submitted by XXXX XXXX and used by Synchrony to verify my purchase is MISSING from my Messages section. XXXX, acct. rep. with Synchrony, told me she saw it and it was 'very difficult ' to read. Again, it was impossible to decipher what was on that receipt. Besides, there were TWO receipts. Please see attached. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Care Credit care charged {$600.00} in interest multiple times, have charged the account over the limit, absolutely no way to pay it off, abuse by creditor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was trying to buy a property I Noticed Unauthorized inquiries on my credit report that i would liked removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79762
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for CareCredit through Synchrony Bank on the advice of my XXXX at XXXX XXXX to obtain XXXX. After signing up I paid diligently until the principal was paid. Suddenly I received a bill for XXXX more dollars for not paying the added " payment insurance '' that I supposedly signed up for. I do not require payment insurance and would not have chosen this option. Nor did CareCredit alert me that I was not making payments on a very high interest rate additional fee for insurance. Right as we were ready to close the account because we had paid, we received the additional billing information. When I called CareCredit a man offered to close the account for XXXX. I disputed paying CareCredit XXXX, a randomly made up number. When I said I was not willing to do that, the man laughed and said " it is not that much money. '' The conversation was so strange, and it has become clear that I have been misled, and a victim of deceptive credit card enrollment tactics and that CareCredit is a criminal enterprise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have been trying to get a hold of this company for months because they never sent me my account information. No email, mail, or call. It was opened via XXXX, and I bought a few items. I have tried over XXXX times over the last XXXX XXXX months to get a hold of a human and have been unable to do so until yesterday. Their automatic link does not work to set up account access, so a human was the only way. XX/XX/XXXX. 2024, I was finally able to set up my account, but now I have XXXX late fees. They reported me to all XXXX credit bureaus and are unclear about how to fix it. I was on hold yesterday for over XXXX hours and was disconnected. I called back today and was able to get a hold of a person again, but it was unclear how they would fix this. They reversed XXXX fee, but my credit is affected, and another fee still sits against my account. This is a 3rd party company that is not able to fix their mistakes. The email attached was sent today ; their first correspondence was only after I could finally set up my account yesterday. I need help, please. Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been trying to appeal to this bank over the last couple of months to no avail. In XXXX through XXXX three of our major appliances broke down. Our range in XXXX, our refrigerator in XXXX and then our dryer in XXXX. We had two PC Richard credit cards between the two of us only one at the time was active, carried a modest balance and was in good standing. Our card with the largest balance currently is our account ending in XXXX. Our balance was only {$730.00} as of my XXXX statement. Now its over {$2300.00}! We seen this coming and as already mentioned, attempted to work with this bank as they were getting ready to charge us over XXXX in interest if the amount of {$730.00} was not paid off by XX/XX/XXXX, which already passed. Keep in mind we have four cards with Synchrony bank. Two, PC Richard cards, a Care Credit card and a home Design card that is almost satisfied. They are all in good standing and we are paying our bills on time with automatic payments every month. Our Care Credit card we are especially careful with as we need it for veterinary care. it has a balance of over XXXX we are struggling to pay down all from veterinary bills over the last three years. When we contacted this bank online in regard to this account, I stated, " I regret to see this response. I can assure you if I am charged interest of over {$1200.00} next month, I will be forced to close the account and take my account off of automatic payments. I can not afford to pay all this interest and or have a min payment double or triple as a result of this. It is already passed XX/XX/XXXX. I really hope that this bank will reconsider this stance. I will make my min payment this month and hope this can be resolved in some way. '' To this, I received an answer of " ... ... ..Please be advised that your account balance consists of both promotional and non-promotional balance. You may avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the Minimum Required Payment from your statement and sending that amount as payment. As of today 's date, your non-promotional balance is {$790.00}, on which interest charges are still applicable. You may avoid interest on your account by paying the entire billed balance by your due date. '' This is their response? We had a very recent hardship in which we have a leak from our upstairs bathroom from a bathroom renovation job that was done six years ago. we just learned we are going to have to replace the entire shower floor. This is going to cost us at least XXXX. We are getting estimates now and can prove this. We also had a hardship this time last year, as we were involved in a hit and run accident and our long time insurance company would not pay the claim. We had to sue them in civil court and although they settled, we were still out over {$1200.00} in rental car and DMV penalty fees as a result of this incident which got us in debt on a credit card. Taking all of the above in consideration, if this bank can not work with us on this, then I don't know what I am going to do. I am going to be forced to propose a settlement. We tried to make a couple of extra payments recently, doubling the min payment but it didn't help much. it as all we could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A