Date Received: 2023-10-17
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I did not open the Verizon account on XXXX XXXX XXXX, NJ XXXX XXXX XXXX I do not live there never did
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I opened a Care Credit account after signing up for a {$3500.00} XXXX XXXX XXXX XXXX. The services that I was given were not helping and were not making my condition better, they were making the condition worse. Care Credit charged me {$3500.00}, even after I had canceled my appointments because it was worsening my condition. The services that I received were not satisfactory and not what I paid for. The doctor told me that 1 treatment per week would be {$80.00} which would include all machines, because I had 4 visits I offered to pay {$320.00}. I offered to pay for what I used, but the prices he is offering are grossly overcharged. The services I received could be purchased on XXXX, XXXX, or XXXX for much cheaper. Per CFPB XXXX ( c ) ( XXXX ) : " When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. '' I tried to assert my right not to pay for what I was overcharged and I asked the doctor to only charge {$320.00} for the four sessions. Doctor responded with an itemized list of what services were used, which were inflated prices. The doctor did say they would waive {$1500.00} that were used, but I would still owe {$1900.00} of services that were misrepresented and I did not use. I am asserting my right not to pay for services that were not satisfactorily resolved. I am withholding payment for the outstanding {$1900.00} that gave rise to this dispute. I am willing to pay the {$320.00} for the treatments and 2 nutrition shakes for {$100.00}, which are the services I received. Please email me for any documents needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84094
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with federal credit reporting act this creditor has violated my rights, under 15 usc1681 section 602 ; states I have the right to privacy, 15 usc 1681 section 604 A, section 2 ; it also states a consumer reporting agency can not furnish a account with out written instructions. Under 15 usc 1666 B ; a creditor may not treat a payment on a credit card under a open or closed and a consumer credit plan account as late, under any purpose. I XXXX XXXX ; Am in need of help. I've spoke to a number of people since XXXX trying to consolidate. I never wanted a store business card. I thought it was a membership/discount card. I never filled anything out personally. Nothing was written by my hand or agreed too. She swindled me. The stire location was XXXX XXXX off precinct line. XXXX ( Watch the cameras ) foregurey! I will never forget. It ruined my life. I had plans for a house with my family thru my credit. I worked hard to gain that high score. I argued over my credit report. Which was high until synchrony lowes business advantage stole that from me. I continue today to fix it. They closed my card account and continued to charge me interest repeatedly and I continued to try and work something out. Listen to the many call recordings. Thank you for your time and consideration Sincerely XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
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, I logged onto XXXX and ordered a Double Oven and Refrigerator to be delivered and, I believed, installed. I purchased service contracts for both appliances which amounted to {$330.00} and I checked the box for my old appliances to be recycled at {$50.00} each. The total of the 'services ' equaling {$430.00}. The appliances w/tax totalled {$3100.00}. The day of delivery, I was told by the driver that the appliances were 'drop off ' only. No installation. I was not contacted about that previous to his showing up. I was told I should have been. I told him not to take them off the truck, that I wanted to cancel the order and get a refund. He said he'd go out side and call his boss, got in his truck and drove away. I received no paperwork from the driver. I called my XXXX 's store in XXXX XXXX, IL figuring that is where the appliances were purchased from since I do all my online purchases from that store. I spoke to the assistant manager and was told there would be no problem getting a refund being the appliances never came off the truck. However, after delving further into the matter, he said the appliances didn't come from his store and the conversation ended. I called the number on the back of my XXXX 's credit card not realizing it was Synchrony Bank and not XXXX 's I was speaking with. I was very upset and let them know it, they told me I had to speak to the store. But now I didn't know where the appliances came from. I then received a call from someone in Dispatch, I think, that had to do with the driver of the truck. There was a bit of a language barrier, but I was told I would receive a credit. So, I kept checking my account and saw a credit was given in the amount of {$3100.00}. The amount of the appliances only. I called my local XXXX store and explained to someone in Appliances what was going on and she transferred me to someone in their Delivery department who told me I would have to speak to my credit card company about that. I called the credit card company again and was told I needed to file a dispute. I filed the dispute and on XX/XX/XXXX, I received a letter saying the dispute was opened. A week or so later I received another letter which implied the dispute was closed. I called Synchrony on XX/XX/XXXX and was told it was closed, but that she would reopen it. She also gave me a number to call to cancel the service contracts. I called on XX/XX/XXXX and used an automated system to cancel the contracts. I then received an email saying I would receive a check in XXXX weeks for {$330.00}. I don't want to receive money from them!! I want my account credited in full the balance of {$430.00}. I called today, XX/XX/XXXX, to tell them that. That particular woman was not helpful. She said I had to contact the store to get the refund on the 'recycled appliances ' or it would not be removed from my card. She would not do anything about switching the refund from check to credit on my card. The reason I do not want to receive a check is I don't owe anything to XXXX. As of now, they owe me! I do not want to have to pay a monthly payment with interest on a balance that I do not owe. They should have removed the full amount of the dispute once I opened a dispute. And, it's common sense that I don't owe money for service contracts on appliances that were cancelled or for disposal of appliances that were never removed. I want them to credit me the full amount of the {$430.00} balance on my XXXX credit card and then close the account. I will NEVER shop at XXXX again or open a credit card with Synchrony Bank. ( The pics attached of the double oven is proof that it was not removed from my home. I bought a refrigerator from XXXX XXXX after I cancelled this order and they removed my old refrigerator ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I got an amazon credit card issued by Synchrony bank over 3 years ago, they gave a credit line XXXX, i've been paying XXXX dlls every month instrad of of the minimum amount of XXXX dlls. Is been more than 2 years and a half paying this amount and my a balance never change, still shows XXXX dlls balance, how is that possible?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: When I opened the carecredit card several years ago I put {$2000.00} on there and without my knowledge if you put another charge on that card, the payments are split and not applied to the first charge. This was not explained to me clearly they told me that the monies would be paid to the first charge first, although this did not happen, Therefore the first charge did not get paid off and with less than {$300.00} left on the balance, they charged me balloon interest at 30 % And I got an XXXX dollar interest charge on a {$2000.00} charge. It was not clear to me either that these special financing deals included balloon interest, shady XXXX XXXX XXXX XXXXXXXX! Such unethical practices for people who are trying to pay medical bills and then they go and put {$1100.00} interest on {$2000.00} thats outrageous and egregious and morally wrong. Im furious, broken & XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of this year I tried logging into my account to make a payment but I was not able to. The website said I had the incorrect credentials but I had never changed it. I called in and customer service told me I had made {$2500.00} on purchases, and I told them it was not me. I told them about the fraud on the account and they cancelled the card and sent a new card, but to the people committing fraud on another state. I called them again after 2 weeks and they had confirmed to have sent the card to Kansas, but I live in Florida. They cancelled the sent card and issued me a new one, which I received and registered online to make a payment. Another months goes by and again I can't log in to make a payment, so the same thing happened. They cancelled the card once again, and also once again they sent the new card to the people committing the crime in Kansas. This month on XX/XX/XXXX, I receive notice that Mattress Firm reported my account as late payment to the credit bureau, and my credit score took a hit of almost XXXX XXXXXXXX I called them again and they advised it will take 60 days for this to get investigated and resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
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: The following has been copied from my initial document that I sent to the credit card company, Synchrony Bank, regarding a dispute for a failed appliance installation from Lowes on XXXX. This purchase was made with a store credit card. I have attached the document in full, as well as proof of payment and a log of my communications with the store to get it resolved. Additionally, I have attached all communications with Synchrony regarding the dispute, and a letter they told me they'd already sent but that I never received notifying me they were closing my dispute for reasons that are still unclear to me. To quote the letter : " The seller will not issue a credit for the merchandise as long as it is still in your possession. For further assistance, please contact the seller/merchant directly. '' I obviously already know this - I tried exhaustively to resolve this with the store and came to a standstill, which is why I filed the chargeback in the first place. " The seller won't refund you '' is not a clear or acceptable response from a financial institution, particularly when the purchase was made on a store credit card. ( Note : I have removed identifying information and case numbers from the following timeline, but they are included in the attached documents. ) Lowes Purchase and Installation Timeline XX/XX/XXXX - New washing machine was installed XX/XX/XXXX and hasnt turned on since installation. installer said water was coming out and that everything was working fine but machine was bone dry. Installers were named XXXX and XXXX. '' The older gentleman was amazing and really went out of his way to help me retrofit my stacking kit and safely install the machines. He seemed to lead the charge in every step, while the younger man seemed to me more of an assistant or apprentice. They took multiple extra steps to solve problems I was not anticipating. The younger man did the testing while older man went to wrap things up in the truck, said everything was good and then left. I watched from the other side of the porch and could see the lights were working and the dryer was spinning, so I assumed everything was fine. I was trying to be present but not physically in the way. I immediately tried to use and calibrate the washer and could not get anything going. Older man told me via text several hours later ( after I texted him to ask if they had actually gotten it to spin or see if I was missing something obvious ) that his guy said he tested it and water was coming in but I immediately was inspecting the machine after their departure and there was not a single drop of water, so I know that's not true. XX/XX/XXXX - Customer care was called XX/XX/XXXX and the case was " escalated. '' I was told Id be contacted within 24 hours to schedule servicing. Customer care contacted me again on XX/XX/XXXX and scheduled a service visit for Saturday XX/XX/XXXX. Delivery window is XXXX. XX/XX/XXXX - After taking the afternoon off work, I am disappointed that the repair team never comes. I was told when the installers called to cancel that I wouldn't be able to have have anyone out until Monday because all of tomorrows slots are full. When pushed on this, team members give vague I can email [ ___ department/company ] for you and tell them you need it sooner and theyll have to get in touch. Note that this phone call came through late enough in the day that Lowes ' customer care line was closed. The customer service hours are extremely inaccessible. I can not get in touch with anyone for confirmation of service. I called Lowes Customer Care, couldnt get anyone on the phone, and have called the delivery company independently and have been hung up on. I also emailed Lowes feedback via survey, independently from this case which I will attach below. XX/XX/XXXX - I finally get in touch with a customer care associate. He informs me that my service call was booked completely wrong, and the delivery team was set to hook something up again and level the machine, which is inconsistent with what I have recorded as being the problem. He says if I really want it to be repaired then I need to get in touch with the manufacturer since thats where the warranty comes from, and if I want to replace it they couldnt guarantee the item would be in stock but he could send me down that road. I opted for a full replacement because I just want a washing machine as soon as possible. I was told Id be contacted within 24 hours to schedule that. I truly can not take any more time off work at this point and Im very frustrated, behind at work and have nothing to show for it. XX/XX/XXXX - I was able to get in touch with customer care after I missed a call back from them, but only after an hour of trying. I was only able to get through by using the extensions for store employees, which I tried because the line dropped me 3 times while using the customer extension. When I finally got through the associate told me they would come tomorrow to pick up my machine but wouldnt install a new one until Wednesday because they dont do exchanges. I said I couldnt take two more days off for this and wasnt sure what to do because I had no time to spare, and at this point I had so little faith in them coming through on time or at all. I muted the call to discuss these options with my partner. We decided to try and go through with the replacement machine, so I unmuted the call and told her that was fine, but I wanted it in writing and that I would need it to be the afternoon windows or it would not be possible. She said she didnt know or have control over that - the delivery company handles that. I understand that - but I said there needed to be less middle men because I am out of time off and I would have to be able to get in contact with the delivery company. The associate hung up on me abruptly - I thought surely it had to be an accidental disconnect - so waited it out to see if someone would call me back and they havent. I am so sad. I wasnt yelling at her because I know shes just one person in this chain of nightmare communications, and its not her fault. I definitely made it clear that I was frustrated but Ive worked in customer service myself and would never take anger out on someone who didnt deserve it - I wasnt being aggressive or unreasonable. Im honestly just at a loss because I have never experienced anything like this in my life. Im out of options here, and I dont trust the Lowes installers to touch any part of my house or machines. XX/XX/XXXX - I get a phone call for scheduled delivery this evening. I asked the installer what I was scheduled for ( because I had never recieved any follow up after the customer care rep hung up on me ) and he said I was gon na ask you the same thing! He said he was scheduled to level the machine ( as was already established, we do not need that done ) and also scheduled to remove and haul away the machine. I told him that I didnt need either of those things done and that he didnt need to come, and then I got a your delivery arrived! notification. Feedback given directly to Lowes via survey on XX/XX/XXXX : " This has been an insanely bad experience. My washer was installed by 2 men - one older and one younger. The older man was extremely helpful and went above and beyond. The younger man followed his lead. He seemed to be an apprentice or assistant. When the machine was finally installed, the older man went back to get the truck ready to go while the younger guy tested the machines. I watched from a distance to not get in the way. I saw all the machines lights turn on, I assumed it was working. They left and I tried to start the machine, it turned on but I couldnt get it calibrated or to work at all. It was bone dry inside, not a drop of water. I messed with it for an hour or two before texting the delivery man and he said his guy told him he had tested the machine and that water was flowing in and everything. Thats a complete and total lie. By this time of course customer care was closed, I had to wait 3 more days to have what was supposed to be a repair or service call today, XX/XX/XXXX. Well, someone on the truck called about my scheduled install ( install?? I was told it would be a service call? ) this evening and said their truck was running 3 hours behind and wouldnt be able to get here until XXXX. My laundry system is outdoors and it would be dark. They told me they couldnt guarantee a spot for tomorrow because those spots were all full already, but this is the THIRD full day of work I have had to take off to wait for this machine install and repair and I still have NO working washing machine. I am just at a loss. The communication has been impossible, customer care hours are inaccessible and the installer literally lied about my machine working like I wouldnt notice? I mean what?? I will be calling customer care again first thing, but if I dont get a service call tomorrow I will be filing a credit card dispute. This is way too big of a company to have such a dysfunctional delivery system. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Care credit closed my account in XXXX of XXXX due to the fact that they attempted twice to pull from an auto pay account that I had set up, but I had changed bank accounts and updated it with care credit but they kept pulling from my old account. I never received any notifications of a failed attempt at paying nor did I receive any confirmation. It wasn't until late XXXX when I received a notice that the account has been closed. Then, they added multiple fees overdrawing my account taking me {$1100.00} over where I was originally charging me interest above the current interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Each month I set a automatic payment in the amount of {$100.00} to PayPal Credit- my minum payment is {$48.00} or lower and anything over the minum payment should go to my special finacing purchase automatically. But I have to call every month to have them to move the extra money to my special financing. Also they are messing with my credit by lowering my credit limit with them - example - If I have a {$2500.00} limit and my balance is {$1700.00} but then out of the blue they will lower my credit limit to {$1900.00} and that makes it look like I am maxing out my credit with them which in turn lowers my credit score. I have not been late on any of my bills but I do have medical bills that are on my credit report and student loans. But none of my credit cards, mortgage, car payments etc are late. This should be illegal!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A