Date Received: 2023-08-21
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Synchrony Bank could not reach me regarding a credit card. They called my father. I have not lived with my father for decades. I reached out to them and told them to stop. Not only is my father not on the account, that is not the phone number listed anywhere on my account statement or application. This is a violation of my privacy and horrific customer service. It happened again last month ( XX/XX/2023 ) and as recently as last week ( week of XX/XX/2023 ). My father said they have left multiple nasty messages. I have called them TWICE today ( XX/XX/2023 ). The first agent was unhelpful and rude. I hung up. I called back. The second agent attempted to accuse my father of lying, but quickly changed course when I noted what number not to call. I once again reiterated they are to call the number provided and nothing else. She stuttered and would not reveal where they obtained my father 's information. I told them that I am recovering from XXXX and perhaps that's why they could not reach me. The agent then asked if I brought my phone into XXXX. It was an incredibly idiotic and insensitive thing to say. She claims they are sorry and have noted never to call my father again. I told her I am filing the complaint today and that if it continues I am filing another complaint. The document I attached shows the correct last 4 digits and email address of how they should be contacting me. None of those items is my father 's phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have had multiple issue with PayPal Credit. I even slammed them with the XXXX XXXX XXXX and my Resolve request to PayPal is to close my Account as They stated they would. I have continued to receive fraud e-mails so I called PayPal today XX/XX/2023 and Paypal tells me that PayPal Credit is STILL OPEN! I also requested today XX/XX/2023 for Paypal to close my regular account and this is how I found out about PayPal Credit and regular Paypal refuses to close that account as well. I do have the documents from the XXXX XXXX XXXX and can provide those if requestedat a later time as they are not in reach at this time. I have too many scams coming from Paypal and Paypal continues to lie to me regarding the closing of my accounts. My accounts I found out today are still open. Paypal must be investigated! Just asked the operator to put her supervisor on the line and she just attempted to side - step me. Told her once again to put the Supervisor on the Line and still waiting on hold @ XXXX...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I went into my CareCredit account to pay off my bill, through Synchrony Bank. They took {$1400.00} twice. I immediately contacted them on XXXX and they said they will just hold the second {$1400.00} as credit. I said absolutely not. I am requesting immediate refund of that money. After a lengthy call, they claimed they could not refund me for 10-15 business days. Despite my objection, they claimed that was all they could do. I called today and they claim they are still working on it and it will be another 10-15 days. Absolutely unacceptable. What can I do? Thats a lot of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I received a letter in the mail from Paypal credit stating that I had been approved for a certain amount of credit line. I do not have a Paypal account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a PayPal credit account and I am being overcharged. Every month I have paid all standard purchases made along with a portion of payment towards any promotional balances. I have always paid the minimum amount or more to avoid any fees for standard purchases and promotional balances that are expiring. I have not made any purchases for months and months on the account. I have 1 promotional balance remaining of XXXX and yet PayPal -synchrony bank is charging me XXXX to pay off my account in full. I have tried to resolve this issue for over 2 months. The initial representative tried saying I had a standard balance owed but after reviewing the account agreed that I have paid those charges each month and more. She stated my balance should be corrected and was being sent to the resolution department. I waited with no contact back. Called and was told to allow 2 billing cycles which it has been. I tried online chat who gave me run around and the wrong number to even call for help. Today I demanded a supervisor. I was placed on forever hold for 30 minutes and an 'account manager ' tried giving me the run around. I demanded a supervisor..she claimed a request for a call back was submitted and to allow 7 days! The selection I made on this site doesn't fit my issue specifically. I'm going to be writing a letter as well. The account manager was not helpful at all!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No AccounXXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account XXXX XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38834
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX my PayPal credit card with Synchrony bank had unauthorized charges posted on it in the amount of {$3300.00} from XXXX. I immediately contacted PayPal/Synchrony bank regarding this charge to let them know I did not make this purchase. I was informed that my account would be frozen, a new card would be issued and it would go to the fraud investigation team to investigate. During the investigation, the account would be credited and nothing would be reported to the credit bureaus. After that initial phone call, there were multiple credits, charges, adjustments, balance transfers that Synchrony bank did on this account as well as on the new account they had issued me. Information listed below are all transactions related to XXXX unauthorized charges. You will see how the charges were charged, retracted, re-charged multiple times causing mass confusion : *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Original unauthorized charge made in the amount of {$3300.00} from XXXX *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Charge on new account in the amount of {$3300.00} Trans date XX/XX/XXXX : Another charge from XXXX {$1600.00} and Adjustment return {$1600.00} *Another statement date XX/XX/XXXX on new account Trans date XX/XX/XXXX : Another charge XXXX {$3300.00} Trans date XX/XX/XXXX : Adjustment {$3300.00} Trans date : XX/XX/XXXX : Credit {$1600.00} Trans date XX/XX/XXXX ( post date XX/XX/XXXX ) : Credit {$1600.00} Trans date XX/XX/XXXX ( post XX/XX/XXXX ) : Credit {$1700.00} *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Another charge from XXXX {$1700.00} and Adjustment return {$1700.00} *Statement date : XX/XX/XXXX Trans date XX/XX/XXXX : An adjustment to your account {$3300.00} & Balance transfer to new account {$3300.00} *Another statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Adjustment {$3300.00} Trans date XX/XX/XXXX Balance transfer to new account {$3300.00} *Statement date XX/XX/XXXX Trans date XX/XX/XXXX ( post date XX/XX/XXXX ) Credit XXXX {$1600.00} *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Balance transfer to new account {$1600.00} twice *Statement date XX/XX/XXXX : XXXX balance Following are just some of the dates that I spoke to multiple representatives and was told each time I called that they DO NOT keep documentation of any calls yet the recording when you call states the calls are recorded. Each conversation ended with the same result : We will submit this to the fraud investigation team and you will be notified in writing of our decision. During this process, you will not be responsible for any late charges nor will this be reported to any credit reporting agencies. I called continuously as I would never receive this so-called letter in writing notifying me of their decision. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I finally received a letter on XX/XX/XXXX stating " What we have done '' : 1. Immediately closed the account for your protection and to prevent additional unauthorized charges 2. Notified the credit reporting agencies to remove this account from your Credit Bureau Report 3. Flagged your information in our system to prevent additional accounts from being opened with SYNCHRONY BANK in your name without additional verification 4. Assigned your case to a fraud investigator This letter finally arrived 14 months after the initial fraudulent charges were charged to my account. It has become extremely frustrating and very confusing and now has impacted our means of buying a home as I found out that they did report negatively to the credit reporting agencies 3 times even though I was told multiple times that would not happen and received the letter stated above saying they " Notified the credit reporting agencies to remove this account from your Credit Bureau Report ''. Due to the lack of communication, the frustration and the negative impact they made to my credit, I had to pay off the account so they would not continue to negatively impact my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a credit reporting 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: 33185
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a credit reporting 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: 33615
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a credit reporting 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: 331XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A