Date Received: 2023-08-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: So the issue is this is my third time applying for a Sams Club business XXXX and the reason I keep denying me they keep saying that my dbnnumber is not correct. Which it is the second reason they said they dont have my correct address but the at the able to mail me the decline letter I apply for XX/XX/2023 and he said it was pending. So the last time they told me to call them in the pending so I called and talk to someone in a symphony business XXXX so now it is saying my Social Security number wasnt on it which they already have them on file. Every time is a different reason they not see my credit agencies denying me. I belive because Im a XXXX business owner. Because they saying the same thinks which when I apply I go in to sams clubs with all the propers paper work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I applied for Security protection on XX/XX/XXXX o with Synchrony Bank, PAYPAL Cards and credit line, oi=n the computer with an agent due to loss of employment. I upload all documents requested for two accounts. I received three different letters on XX/XX/XXXX and XX/XX/XXXX all requesting more information. All information was proved again with new applications as requested by email and finally USPS mail. I followed up by phone XX/XX/XXXX at XXXX XXXX I was told there was hyet another note saying the application was not dated. This was false. I requested a review and supervisor. I was put on hold and was to pass through to XXXX who had reviewed the application. XXXX dropped me to her voice mail instead of talking to me. I left a detailed Voice mail and my number which they had, I went online to check the status and all my information was deleted and no longer on the system that showed all the uploads. I have letter showing the claim and copied of faxes and emails. I called today and they said I never filed a claim and I must be current to file. I advised I have not missed a payment, paid for the service and filed by upload on XX/XX/XXXX. He said I was not being truthful. I asked for a supervisor and was hung up on. I had provided all documents to the Office of the Insurance Commissioner who directed me to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank has closed my value city credit card account, which has also removed my ability to pay, unless paid via a phone call all access to payment functions online and in the app have been removed. O would like to ensure that they are not allowed to mark my account delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered while using the Paypal XXXX XXXX, which is managed by Paypal and XXXX XXXX. As an agency dedicated to ensuring fairness and transparency in financial services, I believe my experience warrants your attention. The problem I am facing revolves around a technical error on the Paypal credit card website that prevents me from making payments or setting up auto-pay. Whenever I attempt to perform these actions, a message appears, stating, " Sorry, there was a technical error. Please try again later. '' This persistent issue has left me with no viable method for setting up auto-payments or making manual payments, other than resorting to calling Paypal every month. Such an inconvenience goes against the very essence of efficient and user-friendly financial management. I have diligently reached out to XXXX XXXX, Paypal, and Paypal XXXX in attempts to resolve this issue. Regrettably, each entity seems to pass the responsibility to the other, and there appears to be a lack of internal communication regarding this matter. This predicament is particularly frustrating as it contradicts the core principles of ease and accessibility that Paypal strives to provide its users. This prevents me from making informed decisions about managing my credit card bill, an essential aspect of responsible financial planning. I find this situation utterly unacceptable, as it severely impacts the usability of the Paypal XXXX XXXX If this technical flaw persists, it undermines my confidence in using Paypal 's services altogether. The ability to manage my finances efficiently is a fundamental expectation when dealing with financial institutions, and the current circumstances fall far short of meeting that standard. I kindly urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Paypal, XXXX XXXX, and Paypal XXXX take the necessary steps to rectify the technical error promptly. Consumers should not be burdened with the task of navigating complex communication channels to resolve issues that hinder their financial stability. Thank you for your time and attention to this matter. I appreciate your commitment to safeguarding consumer interests and promoting fair practices within the financial sector. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2015 {$660.00} Considering this debt is due to identity theft I contacted the credit bureau to find this debt on my credit report. I made attempts to contact the company directly and was referred to complete an FTC report citing identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a XXXX XXXX XXXX card by Synchrony Bank which was recommended by XXXX XXXX. I was informed that I was approved and a card would be sent out. When the card arrived I activated it and then pulled the sticker off the card. That is when I noticed it was not a Visa but rather just a XXXX gas card. I called Synchrony customer service and I was informed that during that approval process, I was not approved for the Visa so then sent me the gas card instead. I did not apply or request the gas card nor was I informed of the change. Before I was able to ask follow-up question the call was disconnected. I then contacted them via computer account chat where I directly asked for the complaint/Compliance contact info it was refused. Simply put this is a Bait and Switch scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97355
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Im writing this mainly due to the fact my care credit app popped up to send an automated email that they filled out asking to keep using care credit. I just want to put in a complaint on their predatory deceptive act of how they trick you into thinking you paid off a promotional balance when you actually dont and end up with a lump sum of interest. I had thought I made a promotional balance payment, due to how the app was designed and how I got an email congratulating me on paying off this promotional balance. I was pretty happy being it was paid off a month early. Well, partly my mistake I wasnt reading my statements just making my payments. I had looked at my statement this month, so see I had paid {$400.00} in interest and thus investigated. Turns out this balance was never paid. When I reached out to the company and explained, they said I never requested an allocation payment by phone call. They refuse to help because my statements had said that the balance was due, and again part my fault for just making the payments on time and not reading the fine print Maybe Im just XXXX but its really XXXX when you are pushed into signing up for this card and theres probably 10 million things 8 signed and agreed to, but it doesnt feel fair as it is pushed at a time when it is harder to think and youre worried about your medical situation not reading information on the XXXX interest if paid off in full care credit card youre signing up for. I would have done better to look into other options, or I may have at the time even qualified for government assistance that didnt seem necessary because the care credit card had me covered! I was able to afford to pay off my card and vow never to use it again, but I can only imagine the incredible amounts of debt others could get into and be hard to get out of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61111
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I need to report a serious violation of Care Credit that needs investigated. I have had a care credit card for XXXX years and over the past XXXX years my card number has changed for various reasons, either i lost the card, or it expired, or the card number just changed. I believe my card number was changed 5 times in the past XXXX years. Now here is what is going wrong and needs fully investigated. as it just happened to me again with care credit. I made a payment of {$400.00} that posted to my old account number ending in XXXX and in a normal banking situation the credit of {$400.00} should AUTOMATICALLY MOVE OVER TO THE NEW ACCOUNT NUMBER. My new account number is XXXX ..however care credits system does NOT automatically moved credits over. so that means I have money sitting on OLD account numbers that care credit never moved over to my new account number. that is illegal. that means they are keeping money or mine and not crediting my accounts that are due credits. that is illegal. I am demanding my payment of {$400.00} that is on account XXXX be transsfered over to my new account number ending in XXXX. and I am also requesting care credit to go back XXXX years and LOOK AT ALL MY OLD ACCOUNT NUMBERS AND SEE IF THERE ARE ANY REFUNDS OR CREDITS ON ALL THESE OLD ACCOUNT NUMBERS DATING BACK XXXX YEARS TO SEE IF THERE ARE CREDITS AND REFUNDS DUE TO ME. IF SO THEY NEED TO SEND ME A CHECK IN THE MAIL ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank has closed the following credit cards even though I have a perfect payment record with all the issued bank cards. In the past year they have closed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the past 6 months they have lowed the credit amounts on : XXXX XXXX XXXX XXXX XXXX XXXX I have a proven credit history with this bank. I have never missed a payment. I have notified them of misinformation on the letters they send for closing the accounts, ( i.e. not enough paid on real estate, inaccurate credit score etc. ). I have followed all the steps the representatives gave me to remedy the situation and still no resolution. Unfortunately I have stopped shopping at these stores which affects their business. I am asking Synchrony to be fair and honest in their consumer decision making. These account closures have negatively affected my credit due to the closures. I worked so hard, payed my bills to have a good credit score. Synchrony is using unfair credit practices which is resulting in consumers being financially penalized for great payment histories.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX uses XXXX XXXX XXXX now owned by Synchrony Bank ) to help its customers finance hearing aids. If you pay a minimum payment, there should be no interest. However, Synchrony communications are extremely misleading. Instead of providing the amount due that would have the customer avoid interest, it instead provides a lower amount due and never explains this or provides the interest avoidance amount unless you call and ask. I am a XXXX ( inactive ) so I knew something was wrong when I multiplied the amount times the 18 months. I asked to speak to a supervisor to complain about their business practices, but I was told they were all in a meeting. I know from other experiences, including the Amazon Charge card, that Synchrony is very misleading compared to other banks. Someone needs to review their business practices, or at least warn prospective customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A