Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I spoke with PayPal ( SYNCB/PPC ) customer service representative last year XX/XX/XXXX, about the fraud amount on my credit report, I explained to the representative that I never purchase everything listed on the account and that I am not responsible for the purchase. The representative agrees to treat this with her supervisor. As of today XX/XX/XXXX, the PayPal ( SYNCB/PPC ) account is still asking me for the paymant for things i did not purchace. They even tool my name to collection for money i did not spend after many time of complaining of letting them know i did not spend such amount. Also they refuse to remove such from my credit report and PayPa is still showing on my credit report as pay off balance of {$3600.00} for PayPal ( SYNCB/PPC ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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 items using my Paypal account back in XXXX of XXXX. I did not use one of items until XXXX of XXXX. I notice when wearing the item, white spots begin to appear all over the product. I also notice when water hits the product the color also fades on the handbag - before I knew this, I used a dry cloth to wipe the bag and the white spot got bigger on the front of the bag!!! I could not believe this - I only wore this bag one time! I reached out to the vendor and requested I be allowed to purchase the one pouch bag since it is made out of different material then the overall bag. It is the only portion of the bag that is faded. I was told no way by the vendor and the vendor also stated it was my fault. I reached out to Paypal to file a dispute claim against the company and Paypal disregarded all my evidence even though the company showed much deceit in the process of this claim. I can not believe Paypal would side with the fraudulent vendor. The vendor at first stated it would send me another bag if I dropped the dispute- which I asked for prove of this but it never came. Again, the company practice more deceit as it had no intention of sending me the bag but knew the bag was defective by making the offer. I also sent all this evidence to Paypal but the company did not care one bit. The company was willing to send a brand-new bag if I dropped the dispute which shows it knew the bag was faulty. The company even told Paypal that I already received a refund ( in XXXX ) but the refund was for an item being out of stock - I sent Paypal this as well and all of the evidence was ignored by Paypal. Paypal rep or team did not review my claim at all. Paypal disregard the fact that the company has been deceitful from the start of this claim. I make several purchases with Paypal account and have very few disputes - I am more than upset the company has denied my claim. Paypal stated reason for the denial is due to the description of the product not being different than what the vendor provided. I am not disputing the description but the fact the one bag I received is defective. It would not fade after one usage if it wasn't faulty. Paypal is allowing deceitful practices on the platform - any other bank would acknowledge the fact the company sent me a faulty product. I am only requesting a partial refund as I still have the product than I can no longer use. This is not how you service clients who use your platform all the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: XX/XX/XXXX sent cashiers check to the bank in the amount of {$1400.00} to pay the balance off. The balance later showed a zero balance. On XX/XX/XXXX I received an email stating I owed this amount. XX/XX/XXXX I then submitted a payment disbute and faxed proof of the cashed check as the company 's name was on the bottom of the check showing it was processed. XX/XX/XXXX I received a notice stating that the credit amount of {$28.00} was applied to my account. XX/XX/XXXX I received another notice stating a credit of {$1400.00} was applied to my account dated XX/XX/XXXX. XX/XX/XXXX received another notice stating their records indicate that the payment in question was applied to my account on XX/XX/XXXX in the amount of {$1400.00} as of XX/XX/XXXX the balance is $ XXXX I received a notice stating the payment in the amount of {$1400.00} was applied to my account of XX/XX/XXXX. I have now received an email stating the balance I owe is {$1400.00} with the monthly payment due of {$41.00} on XX/XX/XXXX. This balance was paid in full and this needs to be credited to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Synchrony sent me an offer for a Mastercard with {$100.00} cash back offer if {$1000.00} was spent in first 3 months. I applied for card. In XX/XX/, I received card ( which was attached to document reiterating said {$100.00} offer ) and fulfilled Credit card offer of {$100.00} cash back when I spent required {$1000.00} by XXXX, but have not received the {$100.00}. Have called Synchrony Mastercard numerous (! ) times beginning last XXXX. Am told either that 1 - I am eligible, but it will take 2-3 more billing cycles to receive the cash back offer, or 2 - no such offer ever existed, or 3 - that offer existed but I am not eligible for said offer, or 4 - that there is no notation in my file about said offer, or 5 - that I must mail proof that this offer ever existed and proof that I am eligible. If the last one, I was told it will take at least 1-2 billing cycles for them to review and then IF they decide I am right, it will take an additional 2-3 months to get the {$100.00}. If I get any response, it is a request for additional information ( which they already have ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've attached all necessary documents below to support all claims. Including my Identity cards/address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: Used Synchrony/Sam 's Club XXXX regularly paid off balance every month XX/XX/2022 balance was paid off by XXXX XXXX XXXX was not applied to my statement appealed statement and provided proof of funds transferring from bank account to Synchrony back and forth with Synchrony for several months eventually, Synchrony double billed me for the original charge and refused to credit account now, trying to get loan for kid to attend college and an adverse report on my credit prevents me from getting student loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act SYNCBCARE CREDIT XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency cannnt furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under a 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: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: Goods not received I ordered 2 products on XX/XX/23 from 2 different sellers. I used my PayPal account to pay for each item. It appears that PayPal combined both orders into one transaction. The products ordered were a wooden gazebo kit & a vinyl storage shed. PayPal states the one merchant who was selling the gazebo kit shows a XXXX delivered confirmation receipt w/ a receivers name of XXXX. Both of the items I ordered were from the XXXX XXXX in the XXXX. Logistically it is impossible to get the two items to my home address by the dates PayPal is providing. I live on an XXXX in XXXX Washington. We do not have a land link to the mainland of WA State. We must use a WA State Ferry to drive to the mainland. Logistically all durable goods must come out to our island by boat or air. I did NOT receive either of these two items. I did not sign the XXXX delivery receipt. The one seller PayPal contacted says the delivery receipt is signed by XXXX. I live alone & all 6 of my neighbors do not know this name nor do they know anything about such a large delivery made to my home address. I am dutifully making the payments to PayPal for the charges of {$920.00} in 6 payments. Currently I owe the balance of {$320.00}. I spoke w/ PayPal today & they said if I can get proof from the XXXX contractor here on XXXX XXXX XXXX the packages were not here on XXXX XXXX nor were the packages delivered PayPal will reopen my claim. So now I have to drive into town, XXXX XXXXXXXX, & see what I can find out how XXXX XXXX ( XXXX delivery contractor ) for XXXX XXXX XXXX ) can help me. Is there any help your agency can provide to help me get the two items I ordered or have PayPal issue me a refund? I am a XXXX XXXX XXXX lady trying to remain compliant with my PayPal account. Yet PayPal will not listen to me. Very few businesses will not deliver large products to our Island because there are no mainland roads. Additionally XXXX will not accept heavy packages, more than XXXX lbs. the wood gazebo kit weighs over XXXX lbs. I am a an XXXX lady who lives alone on a very rural island.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is in regards to Verizon Visa Signature Card, underwritten or financed by Synchrony Bank. Synchrony Bank said that an electronic payment of {$200.00} that was made on XX/XX/XXXX by Citibank to Verizon Visa Signature Card was never received. I complied with their request to demonstrate proof of that transaction. I went in person to a Citibank to speak to a XXXX who then researched and subsequently handed me a Transaction Activity document showing that {$200.00} was debited on XX/XX/XXXX, then credited back to my account on XX/XX/XXXX. The {$200.00} was then debited once again and sent to Verizon Visa Signature Card on XX/XX/XXXX. I mailed the documents that Synchrony Bank requested in a parcel but they claimed that they never received that parcel. On XX/XX/XXXX at XXXX my mother and I spoke to a Verizon ( not Verizon Visa Signature Card ) employee named XXXX XXXX the phone. He reassured us that he would make a payment for {$280.00} to Verizon Visa Signature Card and that we didn't have to worry about anything. There was never any misunderstanding on our side nor on XXXX 's side. He was very clear and direct that he had made that payment to Verizon Visa Signature Card. He was also very cordial and professional. He even gave me a reference number ( XXXX ) as proof that the payment had been made. Then on XX/XX/XXXX Synchrony Bank informed me that I was late on the payment in dispute. I spoke to them over the phone and they opened a case to review the problem. By now the amount had risen to {$290.00}. The customer service representative told me to fax them the same documents they initially requested in XX/XX/XXXX. I once again met with a Citibank manager who gave me the Transaction Activity document. She reassured me that the {$200.00} was in fact paid to Verizon Visa Signature Card on XX/XX/XXXX. The documents I sent by fax were never received because the fax number they gave me was invalid. I resent them the documents by fax using another number they gave me on XX/XX/XXXX at XXXX. The store where I faxed the documents from confirmed that the documents were received by Synchrony Bank. I spoke to two people at Synchrony Bank named XXXX and XXXX on XX/XX/XXXX between XXXX and XXXX. They confirmed that they received the requested documents but that the problem wasn't resolved. XXXX then said she would contact the proper authorities. Another dispute was opened for review in XX/XX/XXXX, and a Synchrony Bank employee said that they in fact made a mistake and that she was sorry. But I received a letter from Synchrony Bank saying that they completed their review of the payment that has been in dispute for over a year now. I was very upset and once again spoke to a Synchrony Bank employee by phone in XX/XX/XXXX. The employee told me that he would take care of the problem and pay the entire amount. I told him to please send me a final pay-off bill showing that I didn't owe any money to Synchrony Bank XXXX He reassured me that he would in fact do that. In addition, he said he would send me a check for {$5.00}. I was confused and asked him why ; to which he responded that Synchrony Bank owed me that amount. I received that check on XX/XX/XXXX and deposited it in my account. True to his word, I received a bill that shows {$0.00} balance. A section in that bill shows a purchase date for XX/XX/XXXX, a purchase amount for $ XXXX Payment No Interest, Deferred Interest Charges - {$0.00}, Promotional Balance - {$0.00}, and Expiration Date - Paid Off. It also shows that all of the previous late fees, interest charges and purchase refunds were removed. The bill also shows that they sent me a refund check for {$5.00}. Unfortunately, this was once again false information. I had been lied to again. I received a bill from Synchrony Bank in XX/XX/XXXX for the original amount of {$200.00}. I received another letter from Synchrony Bank on XX/XX/XXXX saying that they found an incorrect balance, and they credited my account for {$14.00}. The last correspondence I received from them was a bill in XX/XX/XXXX for {$220.00}. I believe that Synchrony Bank is engaging in deceptive practices, they hire inept employees, and they are harassing me. Thank you for helping me. I will send any documents you request.
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: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Financial added a payment protection program to my Amazon Store credit card without my consent and charged it to my account. I was never notified in any way that this would happen nor did I want it. I have cancelled the service with their automated system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A