Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries on my 3 credit reports that should be cleared due to filing bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Payments not being applied to promotional charges. Fees being applied. After numerous calls to apply payments to promotional balances, payments were still not applied. More calls were made. Keep getting disconnected when calls are made to credit card company. Please refer to all phone request made from XXXX through XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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: My beloved parrot died in the beginning of XXXX. She was XXXX XXXX XXXX and I am heartbroken. The scam began when I had tried to purchase 2 different parrots using my Venmo credit card. The scammers preyed upon my vulnerable state and kept adding " expenses '' to ship the birds. Both purchases turned out to be scams, but I didn't realize it until it was too late. I have contacted Venmo more than once about these charges and they refuse to help. I am out about {$4000.00} and they say that they don't have to help, even though I used their credit card. It was my understanding that using credit cards are a way to safeguard purchases. The charges occurred XX/XX/XXXX and XX/XX/XXXX. I have sent Venmo all the information about the scams and they " apologize '' and send form letters in return. I have dozens of screen shots of the scammers and several of Venmo 's letters. Please help? I can not afford these charges for which I have nothing but heartache in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under any 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: 75043
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a high interest rate small balance on a CARE CREDIT SYNCRONY bank card. XXXX XXXX XXXX attempted to do a balance trasnfer for me over 2 months ago, and it never posted. I called CARE CREDIT and was told they do not do electronic balance transfers and had to make a payment and was charged a late fee. They said they would accept a balance transfer check from XXXX and provided an address to send the payment to. XXXX sent a balance transfer check to CARE CREDIT on XX/XX/XXXX for the payoff of {$610.00} and some change. On XX/XX/XXXX, I received a letter from XXXX stating that CARE CREDIT had not applied the check they issued and to please call them and find out why. CARE CREDIT HAS NOW stated they never received the check and that it was mailed to the wrong address. THE CHECK WAS MAILED TO THE address they provided. So now, I am going to be charged ANOTHER late fee and need to pay ANOTHER payment since they can not accept a balance transfer and THEY PROVIDED ME THE INCORRECT ADDRESS TO MAIL IT TO!!!! I was given a XXXX address by the person I spoke with on XX/XX/XXXX, and yesterday, the lady says it's XXXX FL!!!! I asked for a supervisor and was left on hold. I am getting the run around because I am trying to pay off my account with a zero interest rate account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Opened a new Care Credit account and am still waiting physical card, but did not remember account number that was provided to me on signup because it was not sent to me. I went on care credit website using account lookup and provided my social security number, only to realize it was not care credit 's official website, but a similar looking website that I realized seems to be a scamming website to get information. https : //www.carecreditprovidercenter.com/BC_CC_Demo/cc-htmls/Before-Login-ProcessAnl.html I did several lookups with different methods, as it was showing a random person 's details, and then realized it was a set-up. I am disappointed I fell for this, and will reach out to Care Credit as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I opened an account to purchase a king size bed at a furniture store in XXXX XXXX Texas on XX/XX/2020. The company uses Synchrony Bank as the lendor. The company, XXXX was running a promotion that seemed very appealing. An 18 month promotion which was brief in the disclosure and was very misleading. I assumed that if I paid the amount in full in the 18 month promotion period, any outstanding balance would by that time be small and manageable. Instead, the company added a fat {$1500.00} dollar fee that they call deferred interest. In other words they were actually charging interest staarting on day one and it would all be due immediately after the promotion. I gave a XXXX XXXX dollar down initial down payment and was making monthly payments on a regular monthly basis until I had paid over XXXX dollars which was what the bed was worth. Their disclosure doesn't mention the total dollar amount of dollar payments. and does a very poor job of informing the potential buyer of the risks they take by falling for the gimmick promotion. Their 29.99 % interest is a whopper! I refuse to pay over {$6000.00} dollars for a bed worth about half of that. I sent a letter to their Florida Office and they refused to acknowledge me or reply to my complaint. I just keep getting emails saying that I need to pay up. I told them that if they want, they can send someone over to repossess the bed if they return the over {$3000.00} dollars I have already paid. They don't reply or acknowledge me except to threaten to report me to the credit bureaus.I already reported this to the credit bureaus and it is unresolved. As far as I'm concerned their promotion is a fancy deceptive trade practice! I regret having made the purchase. I have very good credit and now they seek to tarnish it. I am a senior citizen and it seems big companies are targeting us as easy prey to enhance their business and line their pockets. I have asked them to close the account but all they do is keep adding interest and creating a bigger balance. I already told them I will not pay unless we can make some kind of arrangement that will benefit both parties. I can send them another letter, this time by registered mail if I thought it would help. I don't know what to do at this point. I appreciate any help you can give me. thanks. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78363
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I received a message from my sister asking if I could loan her some money. I was unaware that my sister 's account was hacked and this was actually a scammer. After the transaction went through I then realized that it was not actually my sister. I am a caregiver for my mom which keeps me busy, so I wasn't thinking real clear on this. I thought my sister was asking for help and I try and help when I can. As it turned out the payment went through PayPal, I put a stop payment on it as soon as I could but it had already gone through. I called my bank and left them know what was going on, I was told to take my banking account off of PayPal because each month they automatically withdrawal my statement amount from our checking acct. I did that and I also put a dispute in to PayPal but it came back as : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. I was then told to contact the fake acct person and ask for my money back, which I did but of course they are not responding back to me. Here is some info on this : You sent XXXX XXXX to XXXX XXXX Transaction ID XXXX Transaction date XX/XX/2023 SENDER XXXX XXXX RECIPIENT XXXX XXXX XXXX Money sent XXXX EUR = {$200.00} USD Fee {$4.00} USD Paid with : XXXX XXXX {$210.00} USD I sent her/him a message : XX/XX/2023, XXXX XXXX I want my money returned, I put a dispute and stop payment into PayPal. If the transaction already went through to you and you won't refund me then I can take legal actions. I know you hacked my sister 's acct to do this, I have all the messages to prove it. XX/XX/2023, XXXX XXXX I haven't heard anything from you regarding this hacking scam transaction. You have not refunded my money, I am putting another dispute into PayPal and I am also contacting the police. I don't know what else I can do, I have tried to put another dispute into PayPal but it just keeps coming up with the closed status. I would appreciate any help you can give me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Synchrony Bank is the servicer for my XXXX XXXX XXXX account. Whenever you engage in a phone call with them, either you call them, or they call you, they record the call whether you give permission or not. If you state you do not consent to recording, they claim they can not turn off recording. My state, California, is a " two-party '' ( all-party ) consent state. When someone says they do not consent, the recording party is supposed to immediately discontinue recording. The relevant statute is California Penal Code section 632.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To : SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX CC : SYNCHRONY BANK/PayPal Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX : Consumer Financial Protection Bureau XX/XX/XXXX ADDITONAL INFORMATION REQUEST TO COMMENCE DISPUTE WITH PAYPAL During the first call placed with Paypal on XX/XX/XXXX to dispute the XXXX payment of {$100.00}, Paypal representative told me that I need to speak to a representative with Synchrony bank, to authorize the refund requested on the Second payment of {$100.00} made on XX/XX/XXXX. The representative told me that I would receive a {$100.00} refund by check within 15 days. Since the 15 days have passed and I have not received the refund a made a second call XX/XX/XXXX to Paypal. The representative told me that it appears that the refund has not been send and ask me if I would prefer to have {$100.00} moved to XX/XX/XXXX payment, to which I agreed. To my very unpleasant surprise I was bombarded again with harassing email messages, why I am not making payment on XX/XX/XXXX. I waited to see if the credit is being applied until XX/XX/XXXX when I called for third time and requested to speak with a supervisor. The person introduced themselves as XXXX - supervisor, and upon review of the account told me that the {$100.00} payment will be posted on my XXXX statement. Reassured me that late fees will be waived and asked me to pay {$25.00} to close the billing period for XX/XX/XXXX. I paid the {$25.00} immediately. On XX/XX/XXXX I made XXXX follow up call since I was getting messages about late payments and balance due. Your agent, introduces themselves as XXXX, assured me that she reviewed the account and has created case # XXXX to which I should refer if any more problems arise, and assured me that I would not be receiving anymore notices. Notices did not stop!!! As a matter of fact I received a formal letter on XX/XX/XXXX to collect debt! 1 I called immediately back, XXXX TIME. The first Paypal agent XXXX, on my request to speak with a supervisor disconnected the call!!! I called immediately back and agent Al, transferred me to Synchrony Bank allegedly, where I spoke with XXXX -account XXXX, extremely rude and unpleasant person, who at the end of the conversation agreed to issue a refund on the {$100.00} and told me that it will take XXXX days to receive the check. Your email sent on XX/XX/XXXX, requesting additional information to understand what I am disputing, clearly indicated that I can send my reply via attachment on my Paypal account!!!! SURPRISE SURPRISE!!! NO SUCH FEATURE! I called to resolve the issue with the attachment on XX/XX/XXXX first agent XXXX, transferred me AGENT XXXX for technical support. This agent stated they could not assist me and stated will transfer me to someone who will!!! GIVE A WILD GUESS WHAT HAPPENED! I GOT DISCONNECTED YET AGAIN!!!! I have been nothing but an exemplary customer, never late on my payments over the duration of this account. Paypal and their representatives for the last 2 months have used every single intimidation, predatory method to harass me repeatedly!!!! YET NEVER COULD RESOLVE A SIMPLE ISSUE to apply the {$100.00} extorted from to a future payment!!!! PayPal and Synchrony Banks representatives have caused me undue stress, XXXX XXXX XXXX, XXXX XXXX, loss of time and all that because I want my overpayment of {$100.00}, made under unwarranted pressure from XXXX, to be applied as I INTEND TO BE APPLIED!!! At this point whether you send me my refund and waive the late fees will not suffice all the wrong done. Enough is enough!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A