Date Received: 2023-09-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a care credit account because my husband needed dental work, they closed my account automatically and state it can not be reopened, I paid well over the amount due but beginning in XXXX I had problems with the app allowing me to place a payment under the correct account. Subsequently the payments were sent back for NSF, at the beginning of XXXX I made a payment and it was trying to go to the incorrect checking account, I called them to stop the process and called the bank to stop the process, neither could do so because it was pending. I was assured by an agent that it was not going to be a problem. Shortly after I received a letter stating that the account was closed due to dishonored payments. I called them to rectify the situation and they refused to reopen my account, when they closed my account my XXXX score dropped over XXXX points. No one is trying to help me even after sufficient credit with them to have my credit line increased from XXXX to XXXX because I also need extensive dental work. Now I have broken teeth with no way to get them fixed. The rep that told me everything would be " fine '' flat out lied to me. At closing I had paid close to half of the debt and made payments of more than the minimum so I would have enough credit to have my teeth surgically removed and have dentures because a medication destroyed the roots in my mouth. No one is willing to assist me and only ask me to reapply for credit although I consistently paid well over the minimum amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65251
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Upon facing unemployment, I encountered difficulties in servicing my monthly financial obligations. In an endeavor to rectify the situation, I initiated communications with the credit card institution with an intent to negotiate a settlement that would allow for more manageable payments. However, with each discussion, I was met with a different justification for why such arrangements couldnt be accommodated. I was informed about a hardship program the institution had in place, which I pursued with the aspiration of settling my debt with them. Despite my repeated attempts, the institution consistently rejected my propositions to settle the account. The sole resolution offered entailed adhering to a month-to-month payment schedule, which would inevitably extend beyond the initial promotional interest rate period. Upon the expiration of this promotional period under the hardship program, not only would the outstanding principal amount be due, but the accumulated promotional interest would be capitalized, exacerbating my financial encumbrance. In an attempt to avoid the accrual of additional interest, I proposed to settle the outstanding amount using another credit card. This proposition was declined due to certain purported regulatory restrictions. My primary objective was to ameliorate my financial position by extinguishing this debt, thereby circumventing further interest capitalization. However, the institution seemed fixated on prolonging a payment schedule that would yield them additional interest revenues, contrary to my interests of achieving a swift and less onerous settlement. The inflexibility exhibited by the credit card institution impeded my efforts to ameliorate my financial circumstances, thereby leaving me ensnared in a protracted monthly payment arrangement, which I found to be quite unfavorable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I called on XX/XX/23 and made a payment. I don't recall if I gave them a credit card or bank information but I received a confirmation number ( XXXX XXXX XXXX ). Evidently, through no fault of my own, the payment did not happen. I received a call from the company stating they will charge me {$100.00} because they did not receive a payment. Since calls are recorded by this company, I think they should listen to the call and know that the payment was made, figure out what happened and refund the {$100.00} fee. I concede that they did not receive the payment but the {$100.00} fee should be refunded because it is likely due to so error on their end that they did not get paid. They have no indications of a credit card rejecting the charge or a bank indicating insufficient funds. I have made the XXXX and XXXX payments as well as the {$100.00} fee but am asking this company to refund the {$100.00} fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Why is this 7 plus year old debt that you sold to XXXX still on my credit it should not be. Please get this off my credit report.
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: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Online account would not let me log in. Did not receive letters in the mail, nor anything to my email address about payment being due. Additionally, company never sent account over to a collection company so I thought it was paid. Account was paid in full in XX/XX/2023 after viewing on credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: I bought an item through Walmart online, through my Walmart account via PayPal. I tried returning the item 4 times. No response from Walmart. I contacted them via phone. They assured it would be refunded, no further action by Walmart taken. It has been over 6 mos. I then found the charge on my PayPal was refunded. And I had a positive balanc eon my Paypay account. Then about a month later ( XX/XX/23 ) I was recharged for the same billing. From the same company. I disputed the charge and I have had no response. I packed the item and took it to Walmart and they refused the return. The I find out Synchrony handles the entity 's finances on all accounts. Synchrony has manipulate dmy accounts before with Walmart and Samsclub a year ago and it took extensive work to get them to correct the actions. Synchrony, has manipulated my accounts a couple of times on 3 different platforms!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: To Whom It May Concern, I am writing to formally file a complaint regarding an issue I have encountered with a credit card provided by Synchrony Bank, specifically in relation to my purchase at PC Richard store. I believe that there has been a significant error and overcharging on my account. In XXXX XXXX XXXX, I made a purchase of a refrigerator at PC Richard store for a total amount of {$630.00}. I diligently made my payments, ensuring that the entire amount was paid off within XXXX months from the date of purchase, as per the terms and conditions of the credit card agreement. However, upon reviewing my recent bank statements for the month of XX/XX/XXXX, I was shocked to discover that Synchrony Bank had imposed fees and interest charges that amounted to over {$450.00} for one interest category and an additional {$250.00} for another interest category. This was in direct contradiction to the terms of our agreement, as I had fulfilled my payment obligations within the stipulated XXXX period. Immediately upon discovering this discrepancy, I contacted Synchrony Bank 's customer service to rectify the issue. I provided them with a detailed explanation of the situation and requested that they review my account and remove the unwarranted fees and interest charges. However, to my dismay, the bank representatives declined my request and were unwilling to thoroughly investigate the matter. I believe that Synchrony Bank 's actions in imposing these fees and interest charges are not only unwarranted but also in direct violation of the agreed-upon terms. I have adhered to the terms of the credit agreement, and I am entitled to a refund for the overcharges, which total over {$500.00} in interest alone. I kindly request that the Financial Consumer Bureau investigate this matter promptly and thoroughly. I seek resolution in the form of a refund for the erroneous fees and interest charges imposed on my account. I have attached relevant documents, including bank statements and payment records, to support my case. I appreciate your attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me if further information is required. Sincerely, DJ
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello I believe that I ' m owed a total of {$15.00} to my wal greens credit card which is issued via synchrony bank. I did have all an offer added to my wal greens card card to get {$5.00} back per recurring monthly bill payments charges.The promo is good up to {$50.00} total by end of XXXX year.I 've only be awarded a total of XXXX so far out of the XXXX {$5.00} earned on XX/XX/XXXX ( Which went to my XXXX XXXX Payment on XX/XX/XXXX ) ( About 35 days to process ) {$5.00} on XX/XX/XXXX ( Which went to my XXXX XXXX Payment on XX/XX/XXXX ) ( 12 Days to process ) Which would leave XXXX more dollars I can earn with 8 payments for {$5.00} per re accruing payment for the rest of XXXX that I could earn. I have 3 payments they won't send the {$5.00} credit per transaction I made an auto payment for my phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) I made an auto payment for internet/ cable service XXXX that did clear on XX/XX/XXXX. For {$49.00} I made an auto payment for my Phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) However I still don't have the credits added to my account ( $! XXXX ). I do have some screenshots of proof of auto payments if needed along with screenshots of the Walgreens card offer itself. The Walgreens offer was added to my card was suppose to be good on these re curing payments from XX/XX/XXXX until XX/XX/XXXX. I did try to Contact synchrony Bank via Chat on Tuesday XX/XX/XXXX. Spent about a half hour taking with them to get no answer just told me to " call Walgreens customer service " which makes no sense as the credit card, payments and offers are all with synchrony and NOT Walgreens. Please help me get my $! XXXX earned. Tried again to speak with a " manager '' On Thursday XX/XX/XXXX ( XXXX XXXX. Employee number XXXX ) he did nothing to help either. Didn't want to hear my issue, and wouldn't provide contact info for consumer affairs department for me to handle on my own. Leaves me no choice but to file this complaint If they don't want to pay the money they are advertising they should stop fir this misleading and false program. Please advise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A