Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have multiple cards with Payment Protection on them. I have started benefits on them and offered all information to get my benefits approved. I was in the hospital for 2 weeks and have been multiple times. My accounts are all in good standing but because I have had multiple benefits they have given me a really hard time. My doctors and staff has verified I was there and also I added a letter from my provider. They give me the run around and have stressed me out to the point I feel like its causing my sickness to worsen now. This is the Payment Protection Program I pay every month offered by Syncrony Bank. They have been rude people working from their homes with kids in the background people just disconnect the line after being on the phone for an hour. Im in tears asking for answers and No one helps they treat me awful and even with my team of people at the hospital trying to help it just never goes anywhere. I am more than frustrated and feel like Im being profiled and treated unfairly. Something needs to be done so that other people in my same boat dont go through this. I pay a lot of money each month and I have the right to be able to be treated fairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Credit Recording Act, XXXX ( a creditor and financial institution ) and XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 section 602, states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b, A creditor may not treat a payment on a credit card account under an open end 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: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX. Payment of {$500.00} auto payment setup by XXXX XXXX ACH payment to Sychrony bank or Paypal Credit. Listed as Paypal Trace Number XXXX Also see letter from XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received an letter from Paypal credit stating my payment on XX/XX/XXXXXXXX was returned and that it will be placed back on my account and may be subject to late fees. I checked with XXXX XXXX XXXX XXXX ( XXXX ) and the {$500.00} payment was deducted and ample funds was available. I called Paypal and they said they need to see a front and back of the check and XXXX said they can give me a letter, but do not have a front and back since this was an XXXX or ACH electronic payment. I have also attached a copy of the email verifying that I have made a payment to Paypal from Paypal credit. They have given me a Temporary credit, but they will only accept a front an back of check. I have included my bank statement that proves the payment was deducted and paid. Not returned as stated by Paypal. This has happened to many customers based on line. I am reviewing my statements from Paypal for the past two years to see if it has happened before. I do not want the charges to be placed back on my credit card account since I will be paying off the balance and closing the account. Please investigate for this should be a violation of XXXX XXXX act of XXXX. I am not looking for monetary, but justice that this will not happen again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PayPal is attempting to collect on a NONEXISTENT DEBT, ARISING FROM A {$1400.00} XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX. The debt was extinguished as a result of {$1400.00} BEING REFUNDED BY XXXX XXXX IN THE AMOUNT OF $ XXXX ON XXXX XXXX XXXXXXXX AND XXXX XXXX ON XXXX XXXX XXXXXXXX, AS PER PAYPAL 'S OWN RECORDS. Worse yet, PAYPAL, THE CREDITOR, CREATED A FAKE CHARGE OF {$1400.00}, THE SAME AMOUNT THAT WAS ALREADY REFUNDED back to PayPal for an alleged purchase FROM MERCHANT ... PAYPAL IN AN ATTEMPT TO COLLECT A NONEXISTING DEBT AGAINST MY ACCOUNT FOR {$1400.00}, starting on XX/XX/XXXX, approximately four months later. To this day, PAYPAL CONTINUES TO COLLECT ON THIS DEBT AND CONTINUES TO ADD INTEREST TO THIS FASLE DEBT. PayPal is attempting to collect on a XX/XX/XXXX debt in the amount of {$1400.00} for a first-class plane ticket from XXXX XXXX , despite the ticket being fully refunded by XXXX XXXX as per PayPal 's own records on XX/XX/XXXX, partially applied to the purchase on XX/XX/XXXX ( {$120.00} for a seat upgrade ), then fully refunded on XX/XX/XXXX. The original ticket was canceled as I was attempting to coordinate with someone else. The first-class ticket purchase was no longer needed as I rescheduled the flight for a premium seat at a cheaper cost of ( {$1400.00} - ( new cost of seat + {$120.00} ). Thus, some funds were applied to the rescheduled ticket and the excess of the funds were refunded to PayPal. The rescheduled ticket was soon thereafter changed so I could sit next to a friend on the same flight. He later decided to leave from the XXXX XXXX. Since I was again a solo traveler that could fly in first-class alone, I wanted a first-class ticket, but didn't want to use PayPal credit for the purchase. I had more than XXXX. In order to book a flight for first-class with money and points, I would need to cancel the rescheduled ticket entirely and purchase a different ticket. On XX/XX/XXXX, I purchase a different ticket WITH MY DEBIT CARD ending in XXXX and use XXXX points for a new first-class flight. When I did cancel the rescheduled ticket on XX/XX/XXXX, 16 days later, this resulted in {$680.00}, amounting to the entire amount of {$1400.00}, being fully refunded to PayPal according to PayPal 's own records and account statements. Worse yet, PayPal, after acknowledging the the debt had been paid off reinstated the debt by charging my account with a fake credit card charge that has been fully refunded by unilaterally creating a fake charge months later on my account. Four months later on XX/XX/XXXX, a brand new charge appeared on my credit with the merchant listed as PayPal and the charge amounting to {$1400.00}, the same amount as the original debt refunded to PayPal. PayPal has refused to validate, delete, investigate, or reconsider the debt. Despite the phone calls, correspondences, and written evidence, INCLUDING DOCUMENTS AND RECORDS FROM PAYPAL ITSELF, PayPal refuses to correct its mistake and restore my account, so that it will reflect the truth : a credit card debt of {$0.00} with PayPal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon checking my report I notice that an account I do not recognize from SYNCHRONY BANK ( PayPal ) {$2500.00} Is reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX XXXX XXXX, we asked for a quote from Lowes for a fence to be put in. The rep showed up, measured, told us the cost. As we were talking through things, he said they offered 12, 18, or 24 months NO interest. We took the 12 month option because it was the lowest monthly payment and then we set up autopay so that we didnt have to worry about missing payments. 12 months later we were slapped with {$2300.00} worth of deferred interest. The best that Lowes and Synchrony can offer is a 30 day grace period to pay off the entire balance to avoid the deferred interest. Our issue is that we were told by the Lowes Rep that it was NO interest. We would have never agreed to deferred interest. Whether intentional or not, his dishonesty and withholding of all relevant and pertinent information is unfair and is penalizing my family greatly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30728
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX has repeatedly allowed the following creditors to report inaccurate and derogatory information onto my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has repeatedly reported inaccurate information, and XXXX continues to allow them to do this. As such I have been unable to obtain the things that are supposed to be allowed to be given to every XXXX, which is excellent credit, financing opportunities, home ownership, and owning a vehicle. I have to live barely making it because I am unable to obtain credit, because XXXX allows these creditors to report inaccurate and false information across my credit file. I have submitted numerous disputes with XXXX for every month since XXXX of XXXX in which I have documentation for. They never complete a thorough investigation and believes these creditors over me the consumer, and continues to report this inaccurate information month after month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A