Date Received: 2023-09-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I was scammed. Someone open an account with PayPal using my information. And I didnt know anything about it until XXXX sent me an alert regarding an account thats over. And when I checked it was open XX/XX/XXXX with XXXX dollars. I know nothing about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Good evening-I signed up with Care Credit in XX/XX/. I have made my regular payments monthly and my balance is increasing as opposed to decreasing. I would like for someone to check out the details of my account to see if I am being wrongfully charged fee/interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: QVC Credit card ( QCard ) company claimed, per a XX/XX/XXXX letter, that after careful review, they decided to close my account due to two XX/XX/XXXX and XXXX {$50.00} extra ( in addition to my timely monthly minimums ) payments did not clear my bank. No careful review occurred because prior to XX/XX/XXXX, no payments were ever rejected!!!! Unfortunately, due to apparent discrimination ( ex.name profiling ), QCard could have at least first sent a letter of warning so that I could have a chance to show proof of my checking account funds availability that would have honored my {$50.00} payment! But instead they acted with malice in their attempt to cause me financial harm and canceled my Qcard. Very bad customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Paypal credit was selling our accounts I had ordered 97 orders from XXXX XXXX orders never tracked anywhere and I never got all the items. Paypal instead of helping me locked me out of my account and then sold my account to Synchrony bank. Before The Bank Bought the debt I told them I have a active dispute with them dont buy my account till this is done they bought it anyhow. So I have no ''way to get to my info on Paypal because of there fraud and this place sold my debt to XXXX and that debt collector that XXXX used served me with a fake lawsuit on top of every other thing he did wrong calling my phone 25 times a day. Never sent proof of debt and under MN Law he voided the debt. So XXXX sells it back to the Bank and now the bank thinks they can keep trying to collect a debt that is no longer owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: When I open my account. They put me on a program payment security program with my authorization. I never asked them to put me on that program. And they put me on that program from XXXX to XXXX. The Program calling is payment security program. They charge me the amount XXXX I have a credit card amazon credit card from c SYNCHRONY bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank first lowered by credit amount without notice and then closed account without notice or authorization. Payments made on time and over minimum amounts. Customer service said too bad they can do that per an agreement. An agreement I never received nor signed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for the CareCredit for a specific purchase that offers no interest if paid in time. I used the app to pay and paid the minimum amount that it indicated. It did not say anything about this amount being too low for the promotion or give me any notices on the app, or show an alternative amount to be paid. Other cards manage to do this just fine within their app. They say it is in the estatement, but I believe they are fully aware that most people use the primary page on the app to determine what is owed and find information. I think this is ann intentionally misleading practice to hide important information from the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2023, I reviewed my XXXX credit report and noticed that there were 2 accounts showing that I did not open and did not belong to me. I reached out to both companies XXXX Synchrony Bank, SYNCB/PPC and XXXXXXXX XXXX immediately and informed them that the accounts did not belong to me and it appears my identity was stolen. I provided my full name, full address, full social security number and I was told that they did not have an account in their system, that matched my personal information. I was then advised by both companies that I needed to submit a dispute against the accounts directly to the credit bureau. Per their instructions, I submitted the dispute to XXXX. The response from the dispute indicated that the information was correct, therefore nothing changed on my credit report. I then contacted the companies again, spoke to Synchrony Bank Fraud Investigation Unit ( XXXX ) and was told that they would close out the card and send me documents regarding the investigation. I was also told to complete the fraud investigation form and fax back to them ( at XXXX ). This was completed as well. I also contacted XXXX XXXX again and informed them that the account was not removed from my credit report. I was then told to provide proof of the account that I am disputing. I then faxed a copy of the account as noted on my credit report to XXXX XXXX XXXX XXXX ( faxed # XXXX ). I also recently noticed that soon after I started the process, there was an address change on my XXXX and XXXX credit reports, which I did not authorize. I also disputed the address error. Additionally, the incorrect account is now showing on both my XXXX and XXXX credit reports. I also filed a police report with my local police department. There is currently a freeze on all three bureaus and a fraud alert was also placed. At this time I am waiting to hear back from both companies. This has caused a huge burden on me and I can not proceed with conducting my personal business and it is gravely affecting my credit. Any assistance you can provide in resolving this issue in a timely manner, would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: In XXXX, the XXXX XXXX XXXX banked with XXXX Bank. I received a letter from the bank that said, future payments should be made to Synchrony Bank. I immediately called the XXXX XXXX XXXX and asked, what I needed to do. I was told to call the bank, since the XXXX XXXX XXXX was not allowed to contact the bank, they were however able to Transfer calls. As time went on, I placed my orders with the XXXX XXXX XXXX as usual! When my New Card arrived from the Synchrony Bank I went into my Bank account and changed the account number. Of course, I had to activate the card which was done. When I would order something, they would say, " YOUR ORDRT IS COMPLETE AND CHARGED TO YOUR ACCOUNT ENDING IN XXXX ''! I knew this was the wrong account number, so I called both Home Shopping Network, which in turn transferred me to the Synchrony Bank once again to the Synchrony Bank. I spoke to a woman by the name of XXXX. She advised me that " I was fine there no need to be concerned! '' I even read the card # to her, once again she said " That is correct there is NOTHING for you to be concerned about '' Now. XXXX XXXX XXXX has wiped my account, and Synchrony Bank, says I owe them $ XXXX dollars! I did my due diligence with both the bank and the XXXX XXXX XXXX! There has to be some record of where my PAYMENTS have been sent. According to Synchrony Bank they have no record of ANY of my payments. I am sure my Bank " XXXX XXXX XXXX '' put at least the last XXXX numbers of my credit card on the account! " XXXX ''. I have done everything I can to but the Synchrony Bank insist I still have to pay them the amount. This is NOT my fault, the fault lies with the banks and not paying attention to the information provided to them. My last Statement from XXXX showed that I had XXXX Flex payment left for an XXXX PRINTER that I had purchased in the amount of {$16.00} ; in addition, where has my other payments gone to? I am XXXX XXXX XXXX and do not have this kind of money just lying around. XXXX only knows what these people will do to my Credit History! I am hoping that you can INVESTIGATE this bank to see if they have done anything like this to anyone else. I have requested my bank statements to show all of the funds that I have sent to Synchrony Bank in XXXX, ( WHICH ARE COSTING ME {$5.00} per Statement ) they are only requesting $ $ $ from XXXX. But first I need to find out how much money I have sent to Synchrony Bank? After all I did do my due diligence, not only to XXXX, but to the Synchrony Bank as, well, and for a member of their STAFF to tell me NOT to worry about it. On a personal note, I have NEVER BEEN LATE WITH A PAYMENT, & USUALLY SEND THEM OUT DAYS IN ADVANCE SO THEY ARRIVE ON TIME, WHICH IS THE XXXX of the month, Since I do ONLINE BANKING If, you are unable to assist me, I am hoping you can help by forwarding the following to the proper authorities, these people need to be investigated! Thank you for your assistance. XXXX XXXX XXXX XXXX. As you can see by my Banks they have the RIGHT CARD #!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For months I have always paid my bill on time and always pay the first week of every month. My bill due date is around the XXXX every month. I got a few late fee 's that I didn't see until paying my bill one day. I wrote them and got it resolved and the fee 's and late payment taken off. On the phone the woman admitted that if I pay my bill always the first week there is no way it could be late. Come last month I get a {$30.00} late fee and I know what is next addional fee 's so I wrote them again and got a bot that didn't answer any questions. So I waited till the next day and wrote them. They said they removed the last late fee ( Which was their fought ) and will not remove anymore. I sent them over screenshots showing every month I have paid over the amount due and some months I pay 2 payments to help pay the bill off before interest occurs. I told them to show me proof of why the payment is late and showing them proof that I always have made the payment on time. And even went on to say this happened before and it was your error. They in return as of today killed my log in. So I know they are going to try to get fee 's, late fee 's and such. I think why they XXXX my account is I showed them proof they are doing fee 's when I was on time. I also told them I was going to turn them in to the credit card oversears such as yourself. Today I tried to log in to see the error. A friend of mine also uses synchrony and logged into his account fine. So I'm sure they are pulling some stuff. I contacted XXXX and told the if I can't log in I can't pay my account. And told them I am turning them over. I am uploading proof that my account has never been late and their practice are straight garbage. The company is synchrony I have several cards with them but only one left to pay off. I think they get very upset that I always pay off before interest occurs. I am including including my message to them. You can see by my payment history that I have paid always on time. Sometimes paying 2 times the same months to drop the last pay off. A always work to pay off my bills early. And I am confused as if its always paid by the first week when how and why could a late fee occurs. I have included in my statements which only shows the last few numbers of my account. I have all my statement only uploading a few. Mainly I want this to be a paper trail when they don't allow me to assess my account and add a bunch of fee 's when I have to go to court I'll have bases to sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A