Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a care credit account to purchase XXXX XXXX I was told I would have no interest for 24 months and then it would be between 29.99 % - 39.99 %. On XX/XX/2023 when the two years was up they charged me {$1300.00} in interest fees. I called and they said that was correct but they never sent any further info stating they could charge me over XXXX XXXX XXXX interest. In fact, to this day, they've never even sent me the card so I can only supply you with the last four digits I can see on their online portal. On the phone today they said I had to pay interest on the principle balance from my initial purchase only. My purchase was {$2400.00} and I had paid it down to {$1000.00} until I used the card at a vet to care for my sick cat. So per their own information I should only be charged interest on that {$1000.00}. This is predatory lending and I would have never agreed to this, ever. I have spent my life as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I read all the fine print before I sign anything. This bank is actuing fraudulently and in doing so have overdrafted my account and are ruining my credit. I have made more than the minimum payment, on time, every month since I opened this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In early XX/XX/XXXX, I signed up for a CareCredit card to help with emergency expenses. I signed up from my phone at XXXX after learning about the card through a brochure in the office waiting room during an emergency. I was under the impression that I was signing up for a 24-month agreement, where I would pay no interest as long as I paid off my card within 24 months. On XX/XX/XXXX, I was taken by surprise with an interest charge of {$3000.00}. The cardholder agreement says it is an APR of 29.99 %- on the ORIGINAL balance of the card, not even what's remaining after 18 months of payments. Since I thought I had a 24 month agreement, I thought I had 6 more months to pay off my card before interest would apply. I received no warnings that my term was about to expire. I have never been able to access my statements as the website takes me to a blank " welcome '' page after logging in, so I trusted the information I wrote down for myself and made automatic payments through the app ( which works for payments but does not allow me to view statements, customer terms, promotional periods, or impending interest charges ). I had no way of knowing that the bank had a different term recorded than I thought I had. The only cardholder agreement I have been able to obtain is generic, and says it applies to promotional terms of either 6, 12, 18, or 24 months, but does not say which I signed up under. Upon calling the customer service number, they were not able to provide any documentation of my agreement to an 18 month term. They say I would get that information from the medical provider I signed up with, but I signed up directly through their website on my phone. I have no records to indicate that I agreed to an 18 month term. This system is predatory and hits customers unexpectedly with exorbitant interest rates without any effort whatsoever to notify customers of impending interest charges and without providing any documentation about our promotional periods at sign-up or after the fact. It makes money off of people who are desperate in emergency situations and is not clear about what they're signing up for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Went to Lowes on XX/XX/23 and made a purchase for under {$20.00} with my debit card. I did not apply for a credit card there and would not because I usually shop at XXXX XXXX. I did not give permission for them to submit a hard credit inquiry and want it removed from my credit history. When trying to call them to resolve the issue I cant even speak to anyone because I dont have an account number to reference to the automated system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am trying to apply for a loan, to a XXXX. In order to fix my XXXX I am on XXXX and can't afford to pay out of pocket for my services on my XXXX And Credit Care runs a report on my credit, right from my XXXX and denies me right away! How can I get my XXXX fixed? Since I only have Medicaid, and it doesn't cover my services. And the Credit Care or other Financial companies they use? To run my credit history? Denies me every time!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58601
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a Lowes Credit card through Synchrony Bank with a XXXX XXXX dollar credit limit for 20 years ( XXXX XXXX XXXX XXXX ). That account was used for major purchases on my house in XXXX and then in XXXX. Those purchases totaled around XXXX XXXX dollars. While traveling in XXXX of this year, I was contacted by a XXXX I consider my daughter. She had to move and needed a refrigerator of the new house. She found one at the Lowes in XXXX, XXXX. I was able to call and talk to the manager of the appliance section and they agreed to make the transaction of around {$650.00} over the telephone. When they submitted it, it was declined. I received a security text, on my cell phone, from Synchrony bank stating that they had declined the purchase as suspicious. I received a follow-up text asking if I had made the purchase and I replied that I had. The next text stated thank you for verifyingthe purchase. If the purchase was declined, re submit it. I called the Lowes and they resubmitted it and it was again declined. I then called Synchrony and they stated that I had to go through an elaborate process over the telephone which, after several attempts, did not go through while I was traveling. In XXXX I received a letter from Synchrony which stated that after a review of my account they decided to close my account because of the restriction placed on the account for suspected unauthorized use and subsequent inactivity on this account. The letter also stated that if I had any questions to call XXXX. I called that number and was told that they were unable to answer any of my questions and that they were unable to provide me with another number. The lady advised that she was an operator in the XXXX and was not able to provide me with a corporate or legal affairs number. She advised that I could send them a letter. I sent the letter advising them that they were in error and it had not been unauthorized use. I received a second letter from Synchrony with a different excuse. It stated that my account had been closed based on an evaluation of my consumer account using a sound credit scoring system that includes reviewing all accounts contained within a consumer 's credit files and it was a result of this evaluation that my account was closed. My credit is rated as excellent. They stated that if I had any questions that I could call the same number that I had originally called. I have copies of the letters and the text messages. I requested that Synchrony maintain all documents and phone records including texts from my cell phone XXXX. I originally sent this complaint to Fed Reserve and they referred me to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 407XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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 been in contact with the XXXX Synchrony Bank, since XX/XX/2023, I called due to some transaction that did not look familiar with my account and reported it as fraud. I reported transactions on XX/XX/2023, and XX/XX/XXXX, XXXX I did not authorize for or did not purchase anything. Investigating started and they had canceled my card on XX/XX/2023 I have an email to show the proof. I assumed they were investigating and had this on hold. Moving forward XX/XX/2023, I got an adjustment balance of {$570.00} to my new credit card, for the charge that was done on XX/XX/2023, on the card that had been canceled on XX/XX/2023. Now here we are, I called to ask about the adjustment and the advice I need to call during operation hours. I called on XX/XX/2023, and was on hold and moved back and forward for about XXXX hour with no way to explain the charge or adjustment. Today XX/XX/2023, I've been on the line for an hour and XXXX min so far ( XXXX ) Fraud sent me to customer service, and customer service is sending me to fraud, They keep asking if I did this charge. No one can tell me why this adjustment was added or how. This has been a nightmare and managers as stated they can't do anything, This week alone I've spent almost XXXX hours trying to resolve this. They will be pushing it till XXXX pm that's when the fraud department or specialist close and will tell me I need to call back. I expressed my stress and concern and told them they needed to call me back. They are not will to help in anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SYNCB/PHILLIPS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving daily calls from this number which is supposed to be PayPal Credit since XXXX. Prior to that the calls were from Syncrony Bank and they started in XXXX. I do not answer these calls because I do not and have not done any business with PayPal Credit or Syncrony Bank. Also because according to XXXX this number has been associated with SPAM calls. I have been the victim of identity theft XXXX times since 2020 and do not answer calls from strangers, so I have blocked the calls. I can provide the times and dates of the daily calls. I have tried to text PayPal Credit, they do not respond. Additionally, I have logged into my PayPal account which I use for purchases and I have no debt or problems with with that account. I have reported these calls to them as fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A