Date Received: 2023-09-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I used my Care Credit at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. ( I'm not sure the date because I can't see my statements prior to XXXX. XXXX. ) When I was checking out I asked the woman who rang me up if I could do the 12th month option where I'd have 12 months to pay off the charge interest free. She said that wasn't a problem, handed me a paper and I left. Around XXXX of XXXX, I got a notice that my " six month promotion '' was ending and I'd now need to pay off the promotional offer or I'd get stuck with the interest fees. I was completely shocked and not prepared for this. I contacted CareCredit on their chat and told them it was supposed to be 12 months, why is it saying six? The person I chatted with said it was six months and there was nothing Care Credit could do. Since I wasn't financially prepared for this, this event caused a snowball effect that put me into debt. First, I had to go a few months without paying on my Care Credit since the monthly minimum was higher than I anticipated. Because of that, Care Credit reported this to the credit bureaus which put a delinquency on my credit report and caused my credit score to drop. I saw in my account there was a way to get a lower monthly payment by answering a few questions. I did this and was approved for {$150.00} per month if I agreed to close my account. At this point, I was beyond frustrated and never planned on using Care Credit again, so I agreed. What Care Credit failed to tell me was how this was going to negatively affect the way creditors viewed me. Had I know this, I wouldnt have chosen to close my account. Care Credit reported to the credit bureaus they THEY closed my account. That is a LIE. I closed it under their false pretenses. They also never disclosed Id be paying interest still. I just noticed yesterday Im still paying interest. They made it seem like Id pay {$150.00} until my account is paid off. Unfortunately, the damage of doing business with Care Credit just keeps getting worse. Another one of my creditors told me I needed to pay {$1200.00} in three days or they lowered my credit limit. Other cards reduced my credit limit and I noticed my APR on some went up. This caused me to go further into debt and I was left with no option other than to consolidate. Care Credit XXXX Synchrony Banks predatory way of doing business should be illegal and I feel they should be held criminally liable. After spending some time reading up on their unethical business practices, I see there are tons of people who are in a similar situation as me. IMPORTANT POINTS : -The person I chatted with failed to let me know that I could file a complaint with Care Credit. I just came across this the other day. Had I known, there's a chance I wouldn't be in the financial situation I'm in right now. -I 've used credit cards with major banks and none have a dashboard as confusing as theirs. I never knew what I was paying on or how it worked when the promotional balance expired. I asked them a few times but their explanation didnt make sense. -Care Credit lied and reported that they closed out my account when I made the decision to do so. -Care Credit made it look like the only downside of choosing to close my account is that I would no longer have access to it. They failed to inform me on how this would negatively impact my overall credit history and how current and future creditors view me. -When I was approved for a min $ XXXX monthly payment, they failed to tell me Id still be incurring interest. -Im unable to see my statements prior to XX/XX/XXXX. -When I view my activity its blank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy. Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles. Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law. Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. Sincerely, XXXX XXXX XXXX
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: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In 2019 my mother in law signed up for lowes credit card, she purchased appliances, before I was added. I was in back getting wood for the project. When I got to the feont she asked me if I wanted to be authorized user. I asked why she said so if I need to grab anything for her house when I'm out and about. We called the number again and a lady recorded me on a scripted questionnaire thing to add me. She said joint owner I said no authorized user. She had to start the process over. Second time she said authorized user. I was added. I verified at the end I was authorized user. If I go to lowes without card in hand they can't find it when searching my creditentials, they can find it with my mother in laws creditentials. When we call into XXXX XXXX they want her to authorize me to talk to them. On their site shows me as authorized user. Every which way I go I'm an authorized user. I went to remove myself from account and they said no because I'm a joint owner. Spent 2 hours on phone with 3 separate people. I had no option but to close account and destroy my credit of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/23 signed up for TJX Rewards Platinum Mastercard ( last XXXX XXXX ), but did NOT use at checkout ( XXXX, North Carolina location ). Did not receive the credit card. Instead, received at letter from Synchrony Bank dated XX/XX/23 indicating there was a charge to the account, but they believe it XXXX not be me. " With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges. '' I called the number listed on the letter ( XXXX ) on XX/XX/. Spoke to XXXX in their Specialty Department. Account was " compromised ''. They would handle it on their end, close the account, and not to worry about it. Will receive a confirmation in 7-10 business days ( did not receive ). XX/XX/23, XXXX, I called back and spoke with XXXX XXXX She confirmed the account was closed, but the charges were still there, including late & interest fees. I was transferred to XXXX, Acct Mgr in Fraud Dept. Investigator assigned to me. To clear all, receive confirmation in mail ( did not receive ). XX/XX/23, I had not heard or received anything from them. I filed a complaint with XXXX. Then they closed account, but left the balance with interest and late fees accruing. They are texting and calling me while I am at work. Not me, never used, they can't follow through with what they said they would do. They should listen to the recorded calls!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have reached out to the following account below and talked to them about the issue with my account as reported by the XXXX XXXX XXXX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the XXXX XXXX XXXX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77385
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
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 have tried several times to address this with Care Credit most recently they wanted an XXXX which I now have. The dispute was over the SPECIAL RULE FOR CREDIT CARD PURCHASES. The problem with the QUALITY of the service is that it was FRAUD. It was billed and sold as a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX The attached XXXX report notes XXXX XXXX XXXX '' under XXXX and concludes in CONCLUSION " No significant interval change. '' That is to say the XXXX from BEFORE the XXXX and AFTER show no effect from the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting calls saying I owe {$630.00} but wont tell me what for. And now my credit score has lowered tremendously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I am submitting a formal complaint against Paypal Arbitration : I opt out of all arbitration clauses linked to my account. Security Interest : I rescind all security interests tied to my account. Notice : This serves as formal notice of the above requests. I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I have a hard inquiry from sycn/sam XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, on 7XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXXXXXX and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46901
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX and XXXX has not verified debt to me but are threatening to send negative information to my mortgage company as well as sue me for debt that I can not verify is mine. They gave me first four and last four of a credit card number which does not match any number I have. they have given me XXXX hours to submit signed documents and provide my credit card number to pay the debt on over the internet. This feels like a scam and I can not seem to find their business online. I am just trying to protect myself and determine if they are a real company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 827XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A