Date Received: 2024-02-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Third party collector from PayPal has been harassing me, my family members and friends. Discussing my personal finances and disclosing my personal sensitive information. Not considering the time of day, they contact me via mobile non stop, from different phone numbers. This is abuse and harassment. While picking up my kids from school, they harassed me, threatened me with legal actions while the kids were listening to this, after advising them of them listening and telling that I would call them back. Now my kids are scared and even asked me if Im in danger. The lady was rude, disrespectful, and very belligerent. Also, on XX/XX/year> they called my mother after hours and disclosed my personal information. Even after telling them that Im in a financial hardship and working towards remediation the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
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 purchased a Refrigerator from Lowe 's using their store credit card. The first one the delivered did not work, so I returned it and they sent another one, which also didn't work. I decided to purchase a different model and was told I'd be refunded for the first fridge. I was also told they would refund me XXXX dollars on the third fridge, but instead they sent me a gift card. The Lowe 's Synchrony credit card company is charging me for both fridges. I have filed a dispute, which was denied. I appealed that decision, also denied. They credit card people tell me the merchant ( Lowe 's ) has not provided them any documentation on the return and I have to call them. When I call Lowe 's, they tell me I have to deal with Synchrony. this has been going on since XX/XX/.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/year>, I scheduled payment, selecting the PAY IN FULL option via Belk website. I do not shop at this store often, so I pay my bill in full when I use my card. The amount was paid and deducted from my checking account, as arranged. I never received any further correspondence from Belk. Upon receiving an email from XXXX ( the credit reporting agency ) that my credit score dropped XXXX points due to non-payment, I found that Belk charged an after the fact interest amount of roughly {$6.00} and then charged an additional {$1.00} per month fee for XXXX and XXXX, but NEVER contacted me to pay these amounts. After 90 days they then turned this report over to the credit bureaus and have destroyed my perfect credit!! Once I was in contact with Belk, I paid the {$8.00}, but they are refusing to remove this erroneous statement ( 90 days past due ) from my credit report. I have since closed my Belk account. Had I know they could charge interest AFTER THE FACT, I would never have used this card.
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: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XXXX XXXX, 2024, I was shopping at a JCPENNEY 'S store at a local shopping mall and was in line to check out the items I was ready to purchase. Upon checkout, the clerk offered me a thirty-five percent discount on my order. At no time did the checkout clerk reference the stipulations of said discount. I would like it to be known that my wife was the person making the purchase and I was called to the checkout counter for the transaction. The checkout clerk asked me for my license and date of birth and stated it was for the discount above, to which I obliged. After entering my information on the store 's payment machine, the clerk told me I would get a response in 10 business days. I asked her what this response was, and she replied, " They need more information regarding your credit report. '' I informed the clerk that I did not want a credit check performed, and the clerk told me it was not a credit check ; I was then alerted of the hard inquiry on my credit reports. As the clerk explained the discount, it was my understanding that this was to sign up for the store 's loyalty program and NOT a charge card. The exact name of the inquiry on my credit report is SYNCB/JC PENNEY PLCC ( Hotel and travel ). I did not and do not want this inquiry on my credit report, as I was led to believe this was for a loyalty program and not a charge card for the store. The clerk misled me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, Care Credit charged me a late fee of {$30.00} to my credit card account, after i didn't pay on the due date. I made my payment XXXX XXXX, XXXX. Then on XX/XX/XXXX, they charged me {$2.00} interest related to this same late fee. On XX/XX/XXXX, Care credit charged me {$35.00} late fee again. On XXXX XXXX, XXXX they charged me {$3.00} related this late fee. This time i did not pay my bill. The reason for the late fee and interest is based on an error in care credit system. I am signed up to receive Push notifications ( i have the app on my phone ) and email notification to let me know that my bill is due. I NEVER receive the notices, and therefore I've been late 3 times in a row. That's never happened and I've been with this company for about 5 years. There system isn't doing what it is supposed to do, and therefor it is an error on there behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX XXXXXXXX I applied in store for a TJX Credit Card and was denied. Sychrony bank to issue with a previous store credit card for Sam 's Club. Please refer to compliant CFPB XXXX XXXX. As requested by XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Bank I submitted a letter from XXXX XXXX XXXX to Sychrony on XX/XX/XXXX. I had to continously resend this response letter to Sychrony bank since XX/XX/XXXX in XXXX, XXXX & XXXX of XXXX. In XX/XX/XXXX I was finally able to have confirmation from Sychrony Bank that they received the explanation from XXXXXXXX XXXX XXXX and that they would send a request to all 3 credit bureaus to remove the Closed Account of Sam 's Club from my report so that I would be able to re-apply for the TJX credit card. It is very important to me to receive this card because TJX Inc. is my XXXX XXXXXXXX However again I received a letter from Sychrony Financial about that Sam 's Club Credit card on XX/XX/XXXX that they had closed my Sam 's Club account due to : Possible reasons for this decision may include, but are not limited to, a lack of recent activity, account upgrade, delinquencies, or the use of a Credit Consumer Counseling Service. I don't understand why they sent this letter, since I did comply with their request to prove that the assumed NSF they received for two payments was through no fault of mine. I believe that Sychrony Financial is acting discrimatory towards me. I have not failed to have sufficient funds available for any payments to themXXXX XXXX XXXX XXXX has Justily taken ownership in their fault to release funds for payment. I have a credit rating of A+ and score over XXXX with XXXX XXXX XXXX XXXX XXXX XXXX I have received a Credit Card from XXXX on XX/XX/XXXX with a limit of {$7500.00} I also received a XXXX on XX/XX/XXXX with a limite of {$9500.00} I have XXXX XXXX, XXXX XXXX, XXXX as well. All used responsibly and providing 0 % interest rates. I have not used a Credit Consumer Counseling Service and I have no deliquencies. I did not have any deliquencies with Sychrony Financial either. They were always paid on time and my credit report reflected this. Sychrony Financial is discrimating against me personally soley over two additional payment attempts to pay-off the balance of my credit card and XXXXXXXX XXXX Defaulted and accepted responsibility for that action in writing. Which is what Sychrony required in their answer to the complaint mentioned above. I need them to honor their word, and stop blocking me from my application for a TJX Inc Credit Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was a JCPenney Synchrony Bank customer since XXXX. I was a good customer and ALWAYS paid my bill. I had fraud charges on the card and reported it in XX/XX/XXXX and they disconnected my account and I decided to go with another company for my new card. I have had a few issues with fraud but mostly Customer Service with JCPenney. I had not rec 'd my refund of - {$71.00}, so I called them again on XX/XX/XXXX. During this call I was told by the rep ( XXXX I believe around XXXX ) I would not receive my refund until I requested to receive it!?! He submitted the request and said 7 to 15 days and I should have the refund. I advised if I had not rec 'd by XX/XX/XXXX to call back. Today, XX/XX/XXXX, I still have no refund! So, I called them and escalated 3 times ( XXXX, XXXX, XXXX, have to wait 7 business days for a call back from XXXX 's XXXX ). My question is how long do I have to keep waiting 7 to 15 days for them to process and mail a check? How much interest will I be receiving on my money they have had for over 4 months? If a customer doesn't pay on time they have a fee to pay! Why is their customer service so poor? Why does their automated system force you to enter your whole SS # when you don't have an acct with them before you get a rep? I am past irate with them but do not think I am asking too much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I opened a XXXX XXXX credit card and after XXXX weeks I asked them if the card can be used everywhere and the agent told me no so I told him to close the account that's what he did. After a month, I received a bill for {$89.00} automatically. I let them know that I didn't use anything to get a bill, they reassured me that the account is closed, after XXXX months with a closed account I receive a bill {$160.00} I called again following the hold it went up to {$360.00} and until the month of XXXX where I received a bill for {$1300.00} and I am really confused and they report me and take down my credit and I argued, without further action after that I argued for the second time and they let me know that I had to use cart for online purchases and I even made a purchase in a store in mississippi but I never went and I was at sea. they say that I even received packages from my online purchases which I don't know. I don't know how you can use a card that is closed after XXXX weeks? how can I make a purchase in mississippi while at sea? Why would you want to charge me for something I didn't spend a cent on? the proof is that they say they sent me another card and that I used it during our exchanges. I asked how did you activate this card since I never had to spend or activate this new card and it was sent to my old address but I was no longer there. and I never asked them for a new card. in addition they opened a synchrony bank TJX account that I never requested to open and I don't understand why I am report after 6 months where we had resolved this problem? today, they are talking to me about scales of {$860.00} and why that is no longer {$1300.00}, a lot of irregularities. So help me because I don't know if we should go to court for this, I am ready to go because I won't know how to pay for something that I have never spent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/2023, I received a text message indicating that possible fraudulent activity could have occurred on my account ending on XXXX. I called the number, and they made me go through a verification process, where I was asked for my license and a video of my face. I did all, then called the number and the agent took notes, cancelled the card, and issue a new one ending on XXXX. After I received the card in the mail, I could not access the card, I could not access the account on the internet. I called again and another agent made me go through the same verification process. After an hour on the phone, she transferred me to a supervisor, who took care of me to actually make take card payment. I was assured that all was in order, this was not the case, I could not access my card information on the internet, and I again received a text communicating the possibility of fraud. I called a third time and went through the process again and to no resolution. At this point, I do not know what charges are on my account, as I have no way of checking. The card I received does not work either. I am not allowed to make payments, so my credit score may be affected, and it is not my fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A