Date Received: 2024-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a Care Credit account through Synchrony Bank. I not only paid regualrly and on time, but made payments over and above the monthly amount. I had a balance of XXXX in XX/XX/2023. When I received my statement the balnce was XXXX I called and asked about it and was told it was a late charge. I asked how can there be a late charge if I made payments that would cover several months. Apparently they failed to credit my account with the extra I was paying. At any rate, I included a note with my XXXX payment, " Full and Final Payment ''. My check was cashed, yet I received yet another statement with an additional {XXXX added I called as was treated quite disrespectfully, and they disregarded the fact I clearly stated, " Full and Final Payment '' in XXXX. Now today, I received a statement with a balance of XXXX}, this must stop. I attempted to reslove this issue with the bank once again and was told there is nothing they can do. I need to know to what extent can I take my complaint?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The account was paid in full, however at the time of the late payments I was going through a divorce and was not able to pay on time as usual. I paid the account off and the account was closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit card score was close to XXXX and I pay all of my bills on time and have had a 100 % payment history for years. PayPal Credit has a rating of XXXXXXXX XXXX the consumer affairs websiteXXXX XXXX XXXX XXXX I purchased a product from the XXXX website with PayPal Credit XXXX It never came to my address, but it showed delivered on their end through XXXX. I never received the jacket that I had purchased or a refund. I have tried several times to correct this issue opening several cases and contacting XXXX, PayPal Credit, and Synchrony Bank. XXXX never responded to the last messages, and PayPal Credit reimbursed the account for the charge then added the charge back to the account. When asked why, they said over the phone that they readded the charge ( {$280.00} ) because the dispute was for a mischarge rather than an item not received. I handled the mischarge with XXXX without an issue, so I am not sure how that was mishandled. I was reassured by PayPal Credit that I would receive a refund to my account. I requested PayPal Credit to lower the credit limit on my account while the issue is still open, as they have been charging me interest on an item that I never received. I asked them to lower the limit to {$300.00}. They lowered it to {$3000.00}. My credit score is now XXXX. My first card I opened had a credit limit of {$750.00} when my credit limit was that low. I would like a refund and the interest taken off of my account, which I owe a - {$60.00} balance on. I had financed some gold rings as an investment that I had purchased on XXXX and had overpaid for the charges. My credit is being extorted and interest is piling up for an item that I never received, and I need to get in contact with a member of congress to help myself and others that are being victimized by PayPal Credit. I have not done business with Paypal, Paypal Credit, or XXXX XXXX and only shop online from vendors I trust and have had several XXXX cameras installed since this incident has taken place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase for {$28.00} on a Synchrony credit card in late XX/XX/XXXX. They never sent me a bill to my address or email. On XX/XX/XXXX I received a cellphone alert that I have a {$100.00}. balance on my credit card. This was the first notice about owing them money. I called concerned my information had been compromised and someone was using my card. I contacted them and was finally notified about the charge and learned the additional {$70.00} was interest and late fees on the original purchase. I asked them when they sent me the billing for XX/XX/XXXX and or XX/XX/XXXX and they could not provide the information. So we agreed today XX/XX/XXXX on a phone call with customer service that they would waive the late fees and penalties if I would make a payment today. which I did through my bank. Now I have received an email indicating that I have a past due balance on my credit report from this incident even though it was paid as soon as I knew anything about it. So in effect this company failed to send me a bill for two months and then reported me for their failure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I was defrauded in XXXX of 2020 and the culprit had also opened many accounts and hacked into my PayPal account to get their credit card. He then had used this card to make purchases in XXXX and I closed down the card and synchrony keeps trying to send me bills. I did not authorize any of these charges. https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: SYNCB/CARE CREDIT is in violation of multiple laws set forth by Congress in regards to the following account # XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( SYNCB/CARE CREDIT ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SYNCB/CARE CREDIT ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency XXXX XXXX XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. SYNCB/CARE CREDIT can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from SYNCB/CARE CREDIT for the cancelled debt of { { {$850.00} } } in order to file as ordinary income. Where is my 1099-C SYNCB/CARE CREDIT is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! SYNCB/CARE CREDIT has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In SYNCB/CARE CREDIT terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX and XXXX is not an affiliate of SYNCB/CARE CREDIT nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. SYNCB/CARE CREDIT must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consum er account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: I am trying to open a venmo card, I received a rejection letter stating Request has identity theft risk factors. I'm not even sure what that means. I have called synchrony bank, they transferred me to venmo. Venmo transferred me to pay pal. And I called multiple times and I am making this complaint to escalate. My credit score is pretty high. The referene number for the mail is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a follow up to complaint ID XXXX submitted on XX/XX/XXXX. This is about the Synchrony Bank/ Care Credit account ending in XXXX. Synchrony Bank did not provide ANY of the OALD I requested in the complaint. Synchrony Bank provided me with a phony extension number I could supposedly call and ask for more information. It either rings and nobody answers, or it's busy all the time. This is obviously a line they provide to people they do not want to talk to. XXXX XXXX ( XXXX ) XXXX extension XXXX Synchrony Bank sold this account to XXXX XXXX in XXXX XXXXXX/XX/XXXX, so they claim that they do not have to provide me with any information, because I should talk to XXXX This account has been in litigation with XXXX XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX does not have any OALD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
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: This email is in regards to paypal case XXXX. I have Opened a case with pay pal and provided information below. The order was delivered to the wrong person, i have contacted the seller and they have contacted the XXXX and mentioned they have now opened a claim with XXXX and will get back to me as they hear back from them. I spoke to XXXX they have not yet opened any claim but i wanted to inform PayPal so we all can stay in the loop. it requested the signature and ID of the person to whom it got delivered It had been delivered to the wrong receiver and I just received an answer from the seller after so many days that XXXX has denied mentioning the order was delivered to the correct person. I was home the entire time and even upon tracking it mentions somebody else 's name as the receiver and completely some one else 's signature. I have asked Paypal if they need me can send them my lease where I live so they can see I am the person who lives here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a complaint about the communication to Synchrony Bank about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is XXXX XXXX XXXX XXXX XXXX XXXX Attention Corporate Trust Office Synchrony Card Issuance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A