Date Received: 2023-09-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a Venmo Credit Card and was approved but the company never sent the card. The company wrote me that they sent the card to another address and it was sent back, but when I called the company, they said they can't tell me where they sent it. I am not sure of the status of the card now. Venmo should be able to confirm the address and send out a card to the correct address, but there is no option for this when you call into to the customer service number. I managed to speak to someone about the situation, but he transferred me to a third party individual without informing me that he would do that, so I didn't have any confidence that the third party was who they said they were. That third party DID NOT work for Venmo but started to ask for personal identifying information, which was very suspicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: receiving numerous automated calls a day. have returned the calls to the number provided and been told various times that the number XXXX does not come up in their system, but the calls continue. the incoming number is XXXX and the return number is XXXX for credit services. they answer the line for Syncrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My balance on my credit card was {$2700.00}. I made a {$150.00} payment ( on time ). My interest rate is 26.99 %. How did my balance then INCREASE to {$2800.00}? How is the interest charged {$200.00}? Everything I can figure, all calculations tell me my interest charged on a balance of {$2600.00} at 26.99 % should be around XXXX or XXXX dollars. How am I being charged {$200.00}?? If the original balance is {$2700.00} and I make a {$150.00} payment, I should only be charged interest on what's left right? And that would be approximately {$2600.00}. You take that amount and figure an APR of 26.99 %. The company can not explain to me how they come up to {$200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: PayPal Credit consistently credits returns to non-related transactions. This results 100 % of the time in a decrease in balances in purchases with promotional periods expiring later instead of a decrease in the correct balance of the promotional period expiring earlier. As a result, PayPal credit is not honoring the terms of the transaction of the non-related purchase. In example : Purchase XXXX for {$250.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Purchase XXXX for {$300.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Item returned to Company XXXX for {$75.00} credit, credit processed XXXX. PayPal credit processes the credit against the {$300.00} purchase from Company XXXX with the promo period expiring XX/XX/XXXX. I have spent hours on the phone with PayPal and this happens repeatedly. There is no mechanism to correct the issue and it continues to happen, with every error in PayPal 's favor as it shorts the customer by affecting an unrelated transaction and thereby not honoring the full 6 months interest free for that specific purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19607
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I went in for a XXXX operation, and on the day of the operation I was told by the receptionist who signed me up for Care Credit through XXXX XXXX that the credit would be 0 % interest. There was no indication of a temporary period of time that interest applied, or that there would be an increase. I was misinformed of the terms of the loan and now have been charged a {$1900.00} lump sum interest amount that more than doubles the amount I owe. I messaged with customer support on XX/XX/XXXX to ask if I could pay the remainder of the principal balance owed prior to the interest charge ( {$1400.00} ) and waive the lump sum interest because I was unaware of any interest on the loan ( {$1900.00} ), and they told me that wasn't possible. I think if you allow a nurse or receptionist who is not representing the true terms of the loan in a upfront and honest way to obligate consumers for credit use with Care Credit, they should be informing people of the period of time the 0 % interest offer is good for. She told me in person that there was no interest and it was an awesome option to cover the cost of my XXXX. I would've paid off my entire loan prior to the end of the promotion had I known it was a temporary offer. Now I have a loan I won't be able to pay off for years because of a lack of understanding of the loan terms, and I feel as a consumer I was harmed and misled in the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84651
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are three companies on my credit report that completed hard inquiries which I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Remove Derogatory collection accounts an inquires in attachments. I do not recall contracting with these companies for services nor authorizing my information to be used to inquire about such. Remove the following accounts and inquiries in the picture below and please see my IDENTITY THEFT AFFIDAVIT along with identification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I have three accounts with Synchrony Bank ( e.g., two with PayPal and one with XXXX ). On XX/XX/XXXX, I filed XXXX XXXX bankruptcy in XXXX XXXX North Carolina. My legal counsel is XXXX XXXX XXXX of XXXX XXXX NC. My case # is XXXX. I have received repeated texts, emails, and phone calls about these debts. Please send all communications from the creditors to my legal counsel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from Synchrony to XXXX. However, payments to Synchrony were still being sent to the address that they had listed. After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called Synchrony to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from Synchrony were being sent to me. Harassment from Synchrony has persisted since early XXXX.
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: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The bank that my husband owned they trying to make me pay for it because I was just a card holder never signed anything the wouldnt even give me credit and the reason the trying to make me pay cause my husband passed away in XXXX of this year it Care credit Synchrony Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A