Date Received: 2023-07-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of XXXX I had a procedure done at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I was offered a credit for this with XXXX percent for 5 years via Care Credit. I did the math and it came down to about {$300.00} per month which I could afford, so I agreed to it. I was given a paper to sign and no documents to take with me. I received online registration credentials and was using Care Credit app to pay the amounts that were shown in the app as due. First red flag that I've noticed was that my payments were very high at first, but were gradually decreasing month over month. I was never late on payment and in my mind I was paying off a XXXX interest medical loan. I came to find out on XX/XX/XXXX that my care credit was charged deferred interest on purchases of {$9600.00}, bringing my balance owed up to {$19000.00}. The original loan amount was {$18000.00}. At no point in time I have received any communication that the loan had to be paid in full in 2 years and not XXXX. If it was communicated to me, that would mean that my monthly payments would be around {$770.00} and I wouldn't be able to make these payments, therefore wouldn't agree to the procedure or taking this credit. At no point in time I received any reminders about paying off the credit before XXXX of XXXX. I was following the payment plan of Care Credit and in my mind was on time paying off my 5 year loan. But it appears that this plan is designed for a customer to end up owing about 50 % of what they borrowed in XXXX years, bringing me to this scenario. If this was communicated with me, I would've not agreed to it, as my monthly payments would've been more that I could afford. Contacting Care Credit did not bring any result as after hours on hold, I wasn't able to speak to anyone about it. After doing research, I saw that Care Credit was sued and lost in XXXX doing the same practices it is doing today. Also, I was able to find out that someone in similar situation was able to get help from Consumer Financial Protection Bureau. I am not saying that I will not pay the balance owed, but I am willing to pay the balance that I borrowed over the 5 years that was originally advertised. I need help having this interest reversed or pushed and pushed to the originally advertised 5 year. It looks like a fraudulent tactic to get money from the customers by Care Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In XXXX of XXXX we opened our Synchrony Care Credit Card account with 0 % interest payments through our XXXXXXXX XXXX office for XXXX for me. Our payments were XXXX XXXXXXXX. We paid {$150.00} every month interest free until it was paid off. As far as I am aware, there was no specific timeframe in which a balance had to be paid off. On XX/XX/XXXX, we put another round of XXXX, this time for my daughter, on the card for {$3400.00} and have been paying XXXX XXXX monthly. I never received mail statements from Care Credit. I never received email statements from Care Credit. Periodically, I would receive an email that payment has been received and what my balance was. I used the same credit card from XXXX for the XXXX purchase. Over the course of that period, I was issued a new credit card that had a different number on it. I was not notified that the 0 % interest would run out at the end of 24 months and that I would be back-charged the interest if I didn't pay off my balance. In XXXX, my balance due was {$840.00}. If I had known that I would then be charged interest, I would have paid the final balance of {$840.00}. In XXXX, I received a bill for {$2300.00}! They charged me {$1600.00} in accumulated interest with NO WARNING. This is a SCAM. Because I have automatic payments set up and we were on vacation, I did not review the statement until this month as I thought I had everything covered. My bill is now up to {$2300.00}!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: Amazon closed my account several months ago. Before I had payments drafted automatically and then had it stopped once account was closed without even consulting me. I had never had a problem paying my account however I have made payments consecutively since XX/XX/2023 and they are saying I am delinquent when I am not. This month I paid late because of what they were doing with my account trying to resolve it. I am enclosing all payments since XXXX up to last month and I just paid today XXXX. My account is closed and my balance has increased instead of reducing when they are no purchases on my account. Can you please look into this matter for me because speaking to their reps amounts to nothing. Thank you very much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
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: 2023-07-19
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: I asked XXXX to reinvestigate the XXXX XXXX and Synchrony accounts on my credit report on XX/XX/XXXX ( see letter and certified mail receipt ). I asked XXXX to fill in all of the missing data that they were reporting or to delete the accounts. I also asked them to include a personal statement if they were unable to delete the accounts, which they neglected to do. Specifically, I asked them to : Account name : Synchrony / XXXX XXXX Account number : XXXX High Balance : {$2600.00} Date opened : XX/XX/XXXX Under the payment history, for the months between XX/XX/XXXX to XX/XX/XXXX there is NO DATA. Then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, there is NO DATA. That is 25 months of incomplete information on my credit report. Why is there no data for these months on the payment history? Fill in all of the data correctly or delete the entire account. Why is the Date of Last Activity missing? Fill in all of the data or delete the entire account. Why is the Date Closed missing? Fill in all of the data or delete the entire account. How do you explain all of this missing and inaccurate information? Fill in all of the data or delete the entire account. Account name : XXXX XXXX Account number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX Under the payment history, you are not reporting any payment history after XX/XX/XXXX. Instead, you filled in the following months with ND to mean NO DATA. From XX/XX/XXXX to XX/XX/XXXX there is no payment history. Then again from XX/XX/XXXX to XX/XX/XXXX there is no payment history. That is 50 months of incomplete payment history. Fill in all of the data or delete the entire account. Why is the Date of Last Activity missing? Fill in all of the data or delete the entire account. Why is the Date Closed missing? Fill in all of the data or delete the entire account. Why is the Balance Updated missing? Fill in all of the data or delete the entire account. How do you explain all of this missing and inaccurate information? Fill in all of the data or delete the entire account. Please note that for this account that Im disputing, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed OR the account is deleted entirely, your investigation will not resolve my dispute as to this account, and, if that is the case, here is my 100-word statement of dispute for this account that you did not correct 100 % by making it complete and accurate : Attention all readers of my credit report, I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made detailed written disputes to XXXX and requested that they correct these errors, but XXXX has refused to correct these errors or delete the account. I strongly urge anyone reading this report to disregard this account as it does not accurately reflect my credit worthiness or standing. XXXX finished their investigation and followed up with a report number XXXX on XX/XX/XXXX. They allegedly updated the account but failed to include my 100 word statements for both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have made multiple attempts to have my over payment in the amount of {$3200.00} refunded to me. I spoke to XXXX employee number XXXX a representative of JCPenny she stated that I can not have my money back because it is over $ 1000k. I am entitled to my money and they refuse to give me my money back. This has caused great hardship and I would like to be compensated in addition to what they owe me for the inconvenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I was navigating the Venmo app attempting to pay a tip to a vendor for a service I had paid for. Upon trying to send a {$10.00} tip to a company. I was somehow redirected through the app to request a credit card. I have no intentions of opening a credit card and they sent me XXXX in the mail without any type of confirmation that I actually wanted a credit card. I contacted Venmo through synchrony bank and they canceled the credit card and I also requested that they contact the credit bureau to remove the hard inquiry that they had made, I feel like the solution is resolved, but someone needs to know that Venmo is issuing credit cards with a little to no actual notification that youre applying for a credit card. It should not be XXXX clicks on an app to automatically get a hard credit inquiry and send you a credit card. I work very hard to keep my credit up and this negatively affected me by XXXX points. I felt like it needed to be reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX I used my Care Credit Card by Synchrony bank to pay for dental procedure at XXXX XXXX XXXX. It was a XXXX year XXXX interest offer on {$24000.00}. I set up ACH payments and it automatically took the amount required to pay the account off in the XXXX years. That payment was around {$1000.00}. I NEVER designated a specific amount. All was fine, account paid off in XXXX years. A year after that in XX/XX/XXXX, I had the remainder of the work done that was needed. Same place, XXXX XXXX XXXX, same credit card, Care Credit by Synchrony, same terms XXXX years, XXXX interest, amount this time was {$22000.00}. ACH is still set up. In XXXX I received a statement showing that interest in the amount of XXXX had been applied to the account so that I now owe {$22000.00}. All along I thought the account should be paid off as of XX/XX/XXXX. I have called the company and they will not reverse any of the applied interest even though I have stated I will pay the account off immediately. They have advised that " This Time '' the ACH was only taking the minimum payment due each month. I understand that this is partially my fault for not checking my statements. I did not check them as I was under the impression that it was set up exactly the way they set it up the first time. I have spoken to an agent as well as XXXX separate account managers. I have asked to be transferred to their executive office or escalated complaints but they have refused. They did provide me with their corporate address. I am not one to shirk my debts. Since I had done this in the past I was under the assumption it would work exactly the same way which was a breeze. I feel that Synchrony Bank was incredibly deceptive in their practices this time. Again, I take responsibility for not checking and have learned a lesson. But, the fact that they charge 26 % interest is ridiculous and exorbitant to begin with and I would have NEVER charged this amount had I not been under the impression that it would work exactly the way it did the first time and I would not pay interest on it. I did not need to charge this but it sure makes life easier to pay it out monthly instead of having to withdraw from savings. I believe that Synchrony bank should waive the interest charged and allow me to pay the account off immediately due to their deceptive practice with this charge. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: Please be advised I am disputing this amount as I never received the item and requesting the transaction to be cancelled. The business failed to cancel my transaction and continues to bill me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78572
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: 2023-07-18
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I need to give you my deceased brother 's name as the account is in his name, XXXX XXXX XXXX. My brother died in XXXX of XXXX. He had a motorcycle that he had financed in XX/XX/XXXX. He still had a balance of XXXX XXXX. We began paying the loan. I called Synchrony Bank to report the death of my brother, and I sent a death certificate. I didn't hear from them, and I didn't want them to come after my mother-in-law, so I started paying the loan. In XXXX of XXXX, I called Synchrony Bank and requested a payoff amount. I paid off the loan over the phone with the agent. The agent informed me that my title will be released in 10 days. Since XX/XX/XXXX of XXXX, I have been unsuccessfully trying to obtain the title. I waited for the title, and when it did not arrive, I called Synchrony Bank again ( 2nd call ). I was told at that time I had a XXXXXXXX XXXX balance that needed to be paid to release the title. I asked them how I could have a balance when I paid it off over the phone with their agent. It made no sense. I just paid it because it wasn't worth the aggravation. So again, I was told the title would be released in 10 days ; it is now XXXX. Again, I did not receive the title. I called Synchrony Bank again ( 3rd call ) and spoke to someone in the probate department. I was then told AGAIN that I had a XXXX balance. I explained that I paid XXXX, over the phone, with an agent. The agent said there was no record of it. I was then transferred to another department to try and resolve the payment issue. This agent told me that there was no balance on my account, but it looked like it went to the repo department. It is now the end of XXXX, and I received a bill. The bill does not say anything about the XXXX , but it does have a late fee of XXXX . So, I called Synchrony Bank AGAIN ( 4th time ) and was told the late fee would be waived. At this point, I am getting stressed out. I paid EVERY PAYMENT and a ridiculous amount of interest and ALWAYS ON TIME, and they won't provide me with the title over a XXXX XXXX late fee, which I now know they shouldn't have been collecting any money from me since it was my brother 's loan, and he was dead. So, this whole time, 5 years, I have been paying off his loan, not knowing that I didn't have to. I called Synchrony Bank again ( XXXX time ) and reached the probate department. The probate department told me I wasn't financially responsible for the loan, which would have been nice to know 5 years ago. Again, I was told that the XXXX $ would be waived and that the case was sent over to the title department and my title would be released. I still have not received the title. I came home yesterday and had another bill from Synchrony Bank for XXXX. I called Synchrony Bank again ( 6th time ). I made it through the matrix and was sent to a probate specialist. The agent got on the phone and told me there was a XXXX charge on the account and that is why the title hasn't been released. I asked how can I get a statement from you for XXXX and mention NOTHING of the XXXX charges. This agent, XXXX # XXXX listened to me and proceeded to take some action, which I greatly appreciated. He talked to the title department and relayed to me that I needed to email them a copy of the death certificate ( which I had already done, but there was no record ), the VIN # of the motorcycle, a copy of my court document showing me as the administrator and where I want the title sent. This was XX/XX/XXXX. I was told to follow up today to ensure it was processed. I called today, XX/XX/XXXX and it wasn't processed, they didn't even have the information I sent yesterday in the system. The agent XXXX looked in the email, found my information, and entered it into the system. He said my title is ready to be released, but he wanted to check on something. I was put on hold, more than once, for a significant amount of time. I can only assume there was another issue at their end. When he got back on the phone, he told me the title has been released and sent to XXXX and will arrive in 24-48 hours, but I have been told this before. The stress of trying to get this title has been a lot on me. Every time I called I was transferred and transferred and transferred, most of the time not getting to the correct person. As of today, it has been 10 weeks since I first paid off this motorcycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A