Date Received: 2024-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: For CareCredit, I got prequalified for {$500.00}. I didn't finish the application because I had a family emergency. Now when I try to get prequalified with the same economic information as before, I get denied. The denial reasons include " too low of a credit score '' and they list my XXXX as being XXXX. According to XXXX, my XXXX score is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: CARECREDIT/Synchrony ... doesn't have complete records ( per attached ) and I do for XXXX XXXX XXXX XXXX XXXX XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX, which paid them consistently, on time, monthly. Emails and screenshots are attached. XXXX, their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment. I scheduled all the payments their system allowed, which would pay them in full. How is a payment missed, when you have scheduled all payments for the year. Apparently, there was a glitch in their system and it didn't take the last payment, because the amount due was less than the already scheduled $ XXXX payments for the entire year. That is not a consumer issue, when I have used the system you provide for payment to pay you and it was scheduled timely. Whatever that remaining amount, which was less than {$50.00}, they added some fees to and is posted as {$67.00}. I even paid them XXXX additional payments, an additional {$100.00} to resolve an issue that was for a glitch in their system. I saw this on my credit report and contacted them to resolve the issue that was clearly their fault. I believe they also sold this to a collection agency. They reported on my credit report that they charged off the debt in XXXX, which occurs 4 months after not receiving paying, so they wrote it off on their taxes in XXXX. At some point I received info from a collection agency, which is illegal to charge off the debt and then attempt to collect the debt. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Per XXXX, Synchrony submitted ND ( No Data ) ( per attached ) for a great deal of their reporting and now as of XXXX Synchrony has made this a Charge Off as if current for XXXX, but it's dated back to XXXX. I have all the data for those 5 years. Synchrony has some unsavory business practices. I have filed with the FTC as well ( per attached ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I made a large purchase with a promotional 0 % interest using a Synchrony Bank credit card. I set up automatic payments to pay the minimum required balance each month and all payments have been made on time. There is no mention that paying that amount will not cover the required balance at the end of the promotional period, nor is there a way to pay all interest saving payments automatically. Furthermore, the bank failed to disclose when that promotional balance will expire and despite claiming to have sent email statements the information contained in emails was purposely minimal and excluded promotional period expiration date or interest charged. On their website details of promotional period expiration dates are also hidden on purpose, even though they have placeholders for where the information would go. No additional communication was received related to the promotional balance expiring. There is no way to see what communication you are receiving from the bank on their online platform. All I can see is that I'm enrolled in electronic statements. So the bank is preventing users from seeing the information regarding the expiration of promotional balances and trapping them into failing to make the final payment on the promotional balance and therefore forcing them to incur deferred interest. The promotional period has expired 2 days ago for me and I only found out because I noticed a huge increase in my outstanding balance this month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
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/year> I opened XXXX disputes with Paypal for XXXX {$290.00} charges. This company ended up being a scam and used false advertising. They would also not refund money. I went to check status on Paypal a couple of days later and they put that info from merchant had been received but they never notified me. If I had not checked it would have closed in merchant favor as I would not have had a chance to provide info. This should have been resolved days ago but has not even when customer service said they expediated. There is no card # as this is Paypal credit. My paypal is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53220
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My home was broken into on XX/XX/2023 and all of my devices were taken with all my accounts logged into my password saved my banking information was stolen and my social security number and my driver license from wv was stolen since then I have had numerous inquiries that are not mine please help me get these off my credit. I have had over XXXX stolen from me cars put in my name loans in my.name. please help me fix my credit itvwentvfrom a XXXX to a XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27889
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to make an XXXX dollar payment to paypal XXXX XXXX on the paypal app XX/XX/2024. After the first attempt my screen was white, I tried again for XXXX same thing, again I tried for XXXX nothing. I logged onto the computer and paid XXXX which worked. The XXXX was the ONLY thing showing in my pending payments. The NEXT day the XXXX went through with my bank and all was well. On the XXXX the 3 failed payments suddenly went through absolutely putting me into the negatives. How did this happen especially says later? XXXX was able to get one payment back from me but this put me in a horrible spot financially. The worst part is I was charged a returned payment fee. On the XXXX, 2 of the XXXX payments were returned due to insufficient funds.A WEEK LATER the 2 XXXX were taken out again without permission. Bank has continued to ignore XXXX on matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53220
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX XXXX I responded to an offer by Amazon for {$60.00} off ( as I recall ) a purchase if I signed up for the Amazon Store Card. I accepted the offer and as I recall, made a purchase. The Amazon Store Card is a product of and owned by, Synchrony Bank. On XX/XX/XXXX, I used the Amazon Store Card to purchase a XXXX XXXX XXXX Energy Saving Mini Split heat pump/air conditioner on a 0 % deferred payment plan : 12 equal monthly payments and again, with XXXX interest. XXXX as the mini-split cost {$920.00} including tax, I expected the monthly payment for the mini-split would be XX/XX/XXXX th of that amount or, {$77.00}. For shopping and payment convenience I set up my Synchrony Bank Amazon Store Card account to pay the statement balance in full each, on autopay, by direct debit to a checking account. I do this with all my credit accounts. At the top of page 1 of the first Synchrony Bank statement following the mini-split purchase, period ending XX/XX/XXXX, it shows that my auto payment will be in the amount of {$970.00}. This balance is comprised of the full cost of the mini-split plus a four small Amazon purchases made in XX/XX/XXXX totaling {$49.00}. Said statement accompanies this complaint. So what happened to the 0 % ,12 month deferred payment plan on the mini-split purchase? Before I answer that question, I draw the CFPB 's attention to page 3 of the Synchrony Bank statement referred to above and the sections entitled " Account Balance Summary '' and " promotional Balance Summary. '' There the CFPB will see that Synchrony Bank knows about the promotional purchase and details for the consumer, the terms of it. These sections clearly illustrate that Synchrony Bank is capable of tracking and segregating regular purchases from promotional ones. To answer the question what became of the promotional payment plan and why my auto payment was {$970.00} instead of {$120.00} ( {$920.00} / XXXX + {$49.00} ), I online chatted with Synchrony Bank. I was informed that Synchrony Bank 's autopay and billing system logic can not differentiate between full balance, and a full balance that includes a promotional deferred payment plan in spite of the fact that the Bank 's statement system has no trouble tracking regular and promotional balances separately. I was informed that if I wanted to have current purchases paid in full each month plus XX/XX/XXXX of the deferred promotional balance, I would have to sign into the account each month, manually calculate the payment and enter that in as a onetime payment. So much for the convenience of auto pay. What is sinister, fraudulent in my opinion, about the situation I've just described is two fold : First, Amazon promotes a financial instrument, exclusive to its platform, having a 0 % interest and deferred payment terms on select, large purchases when those terms can not, are not, honored if the purchaser makes subsequent purchase using he credit facility and, wants the convenience of auto pay with full balance. In effect, bait and switch. In my case, even though I accepted Amazon 's advertised deferred payment terms for my single large purchase, I was being forced to pay in full on the next statement because Synchrony Bank can not hold that promotional balance to the side, divide by 12, and add that result to the current monthly statement over the agreed deferment term, in order to fulfil both Amazon 's promise and my payment settings with the card issuer at the same time. Synchrony Bank 's CSR further informed me its auto pay does not work that way ; that is, that it can not accommodate promotional payment terms along with its statement balance pay in full auto pay setting. But the statement ... .... Synchrony Bank : It doesn't work that way. Bait and switch Second, and this is the real sinister part, Synchrony Bank 's failure to program its collection system forces the consume to ( a ) access the Synchrony Bank website every month, an increased consumer security risk, manually calculate the full payment for current purchases and add that to XXXX of the original promotional purchase amounts ( not the current balance shown on the statement ) as a one time payment and hope that Synchrony bank applies the payment correctly. Synchrony Bank offers an auto pay full balance option, but it really doesn't because it treats all balances equally. An alternative offered by Synchrony Bank 's auto pay is to select minimum balance. The problem with that is obvious. While the minimum payment MIGHT be calculated correctly for promotional balances, consumers will pay finance charges on regular purchases. Deceit. Its not what was advertised by Amazon and functionally Synchrony Bank can't do it, that is, bill for promotional purchases according to terms and, allow consumers to pay in full other purchases each month on an auto pay setting. I filed a complaint with Amazon, after closing the account I opened 3 months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On my Care Credit account ( owned by Synchrony bank ) I have two promotional/deferred interest purchase balances expiring on XX/XX/XXXX. According to my XX/XX/XXXX statement, there is one promo balance of {$1300.00} and another of {$530.00}. I made two payments to my account on XX/XX/24 : one payment for {$150.00} and another payment for {$350.00}. Since my promo balance expires on XX/XX/XXXX I expected that both of these payments would be applied to those balances and not to other promotional balances on the card since this is what is stipulated in the Card Act as well as the cardmember agreement ( i.e., that payments are applied to the balances with the deferred interest first ). On XX/XX/XXXX I logged into my account and saw that one promo balance was {$180.00} and another was {$1300.00}. The payment of {$150.00} was NOT applied to the promotional balance that expires on XX/XX/XXXX. The payment was applied to a different balance on my account. I sent a message to CareCredit through their online portal and received a message saying that they would review my complaint and that our review and resolution process may take up to 2 billing statements, ; however, our typical response time is 20 days. You will receive a letter in the mail with the resolution. Given that the promotional balance expires on XX/XX/XXXX, which is earlier than 2 billing cycles, this issue will not be addressed in time. CareCredit/Synchrony Bank is in violation of the Card Act because of how they applied this payment. I want the payment of {$150.00} applied to the promotional balance expiring on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
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: In XX/XX/2023 I was forced to buy another airline ticket from XXXX XXXX in the amount of {$1400.00}. I had previously purchased an XXXX XXXX ticket but at the airport that previously purchased ticket could not be used due to a visa issue. The issue is I was already allowed to check-in by XXXX XXXX XXXX They did not discover the visa issue until I had checked in. At the gate and way before the previously purchased flight was to take off XXXX XXXX, XXXX and I found another flight they were going to transfer me onto that would require no visa. The problem was XXXX XXXX had a system issue and could not uncheck me in. They tried for four hours before the original flight was to take off, even calling their top support but was unable to do so. What that meant was they could not transfer my ticket to a new flight. XXXX XXXX apologized several times and indicated they never had this problem before. Since I had to get to my destination I was forced to purchase another ticked and request a refund - per XXXX XXXX at the gate since it was their system problem that caused this. My issue now is Sam 's Mastercard is refusing to consider any information I have sent then on multiple occasions and have refused to call me to discuss despite my numerous request and emails. All they to rely on what XXXX XXXX has sent to them back in XXXX of XXXX stating no refund. Sam 's Mastercard continues in its failure to listen and consider the information I have sent to them. Also note XXXX XXXX, has never responded to my same complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have paid down debts in the past 3 months and planned to use my care credit from synchrony bank for XXXX. I have had a limit of XXXX and no late payment on any card or major increase on any cards. Synchrony took away more than half of my usage amount and dropped my credit score into the trenches of XXXX due to this. I have no notice and no alerts. Although I have opted into alerts. I called them and waited on the line for over an hour and was disconnected. The time zone I am currently in is XXXX and it had been hard to work my XXXX hour shift and continue to follow up with them. If they disconnected me in my concern they should return my call but I got nothing more than left on the line until the line disconnected.
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: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A