Date Received: 2023-09-03
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: On XX/XX/XXXX I placed an order with JCP for Black Friday specials, and when I went to check out, my JCP card wouldn't work. A coupon from XXXX Pay pal popped up on my screen and offered me an {$18.00} coupon if I paid for my order through Pay Pal. My JCP card was attached to my Pay Pal account, so JCP charged me six times for various amounts totaling {$470.00} ( they charged me only when they shipped the boxes out ). and then they charged me through Pay Pal for {$450.00} for the same order. I only received one order, but I was charged twice. I have tried to resolve this issue for over 8 months now, and it is still in dispute status, but has not been corrected. JCP is blaming PayPal and Pay Pal is blaming JCP, so I have been back and forth so many times, I can't count.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This company uses deceptive tactics to get you to purchase and sign up for their credit card. I was looking at makeup to order and I kept getting notifications that I would save over {$21.00} on the items I had in my cart if I applied for the Belk card, then I got an email saying that the items I had in my cart would be a lower price, with the lower price that I would supposedly get for each item quoted, with a {$20.00} coupon. Well when it came time to check out, the phony coupon they sent me did not work! It kept saying " does not apply to items in your cart '', yet the email said it would. Then they sent me a {$10.00} coupon for joining their rewards club. That coupon did not work either! It kept saying the same thing, " does not apply to items in your cart ''. This company is a big fat liar! They lie and tell you you are getting a discount that they have not intention of honoring. Then they made me apply for a credit card, which dinged my credit score, and I will never use this card! They made me waste my time, cost me more money, risked my credit score, all based on their lies and business tactics. If I had known this would happened, I would have never applied for their sticken card! But you dont ' find out they are liars until after the fact. I had to spend so much time trying to add stuff to the cart to see if the supposed discount would work. This company has left a sour taste in my mouth and I will never purchase from them again. They are dishonest thieves! They also said checking to see if I qualify for a card wouldn't ding my credit. ANother lie! Buyer beware!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: According to FCRA ; reporting different information to the three credit bureaus that happens to be inaccurate is against the law. All information reported to credit reports must be the same for all three credit bureaus. Looking at the XXXX report, a closed account for company SYNC/BELK has late payments for months XXXX as of XXXX when the last shows XXXX XXXX but states account closed on XX/XX/XXXX and current up to XX/XX/XXXX ; which is inaccurate and shows last reported XX/XX/XXXX. Looking at my XXXX credit report ; the account shows last payment XX/XX/XXXX and account closed on XX/XX/XXXX with no late payments and last reported XX/XX/XXXX ; XXXX. Ive reached out and to company with the proof of inaccurate information reported to my credit report and asked for this to be removed due to the inaccurate information. Account has been paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I filed 4 disputes with synchrony bank for my refund with XXXX. From what I understand the third dispute, Syncrony automatically denied it and wouldnt even consider going ahead with it. I finally contacted XXXX for a second time six months in the running and found out that they had did a manual refund six months earlier that didnt go through for some reason so today I received an email that the refund has finally gone through. I have no idea why synchrony bank could not accomplish this refund with XXXX other than being totally incompetent. From what I understand synchrony bank is telling me that they have to report the re-disputes to the credit bureau. Well, I am reporting that synchrony bank is incompetent and there are disputes obviously because I managed to get my refund myself when I contacted XXXX for the second time six months later. I have three credit cards through synchrony bank and plan on closing all three of them. I no longer plan on doing business with synchrony bank whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am XXXX XXXX XXXX. I have been using care credit/Synchrony bank for the past few years.When I first signed up I requested my bill to be sent through US postal service. Any contacts through text message. Everything was fine with receiving bills by mail.It wasnt until the last few months paper bills stopped and I started getting COURTESY TEXTS to pay my bill. I thought nothing of this since it was a courtesy text. Actually thought it was nice of them. As soon as I got text I called payed bill over phone. I had no problem with paying like this since I requested text notification. It wasnt until I received a text to pay bill. I called care credit it then dawned on my my balances are going up not down. I spoke to a representative XXXX she informed me that these courtesy calls were actually LATE payment reminders not my monthly bill to pay. She said company switched to electronic billing and I should of been notified.I told herI was mot notified. I would never agree to pay XXXX dollars interest on XXXX dollar payments. She checked and said I DID NOT have electronic account set up. She did offerbto help me to set it up.Since they were aware I wanted to be billed by mail I became upset over the the interest I was paying each month and not even being aware till recently. How could I possibly pay a bill electronically not knowing anything about an electronic account? I was told they can only remove 1 late payment. I requested to speak with a supervisor. Supervisor XXXX XXXX spoke with me. She seemed not to want to be bothered and was unprofessional and rude. I explained the above to her. She came to the conclusion I was notified and that I WAS NOT THERE ONLY CUSTOMER. IT WAS NOT THERE RESPONSIBILITY TO NOTIFY ME PERSONALLY. XXXX XXXX refused any additional help. Yes I was upset thats expected. XXXX as supervisor should of behaved in a professional manner for which she did not.She should of gotten another account manager who could react in a professional manner when she no longer could.I am requesting the above complaint to be investigated and all late payments returned to me. I am thanking you in advance for any help you can give me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I stupidly applied for this card to get a bicycle. I never received anything in the mail for it. Eventually I would get Late notices in my email. Id make a payment through that... never having an account set up, this was the only way I could ever attempt to pay. I would do that. Id get an email saying payment never went through. For months this continued. I think 3 payments out of about 10 went through. now I am way behind, and about to have over 20 % interest because this company is XXXX. Contact support. There is no support. They give you links to chat that dont work. Call them. No humans, just machines repeating information that has nothing to do with my call. THIS IS INSANE! IVE NEVER HARD MORE TROUBLE TRYING TO GIVE SOMEONE MONEY IN MY LIFE. Now because they made it so hard to do... amazing.. I owe them more money. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SYNCB/PHILLIPS66, XXXX XXXX XXXX, XXXX, FL XXXX SYNCB/PHILLIPS66 has a inquiry on my under my name & social security number. I did not apply for Phillips 66. I contacted them with lifelock & notified them it was identity theft and to please remove it from my credit report. As of today it is still showing on my credit report as a inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX, XX/XX/2023 In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 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: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The statement didn't come in the mail, so I looked up my account and made what I thought was min payment plus some. I was waiting on statement I'm prevented from seeing my statement online since I get them in mail. Since I didn't receive my statement I made payment since every month I make payments. They charged me a XXXX dollar late fee and I didn't know it was due? I look online and always pay what I think is min payment and more but still since I didn't receive my payment I looked online and it told me I had a min payment after the fact. I paid immediately and why I can't look my statement online because I get mail statements is wrong they should let me in immediately and let all see statements online they just are punishing us who want paper statements and in the process pocketing late fees?
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: 2023-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just so happened to check my credit report and I noticed hard inquiries that I knew nothing about!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A