Date Received: 2023-06-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My brother XXXX XXXX XXXX stole my credit card and was unauthorized to charge my CareCredit credit card in my name. I got a letter with the statement and could not read it well because the letter was wet from the rain. Now, I am having a problem with my credit card from CareCredit.com.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : Synchrony Bank ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. Attached is identity theft report and credit report. Truly, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello I have always made my payment early But this company took my early payment and added it to the balance and not the monthly payment and so on XXXX and my next payment was on XX/XX/2023 and the sent me a late payment notice and charged me a late fee. They told me the I made the payment to early and so it's credit my account for that and they took off the late fee but will still note it as a late payment to the credit company and it will go against my credit score as a late payment but never told me I couldn't make a early payment but now they want me to pay for their mistake and I don't feel that should be penalize for their account mistake. The company info is care credit. Company. And not I have to make a double payment to catch up my account. And I think that's a bad way to do business when they got their money early. So I guess making early payment as I was trying to be a good customer 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: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX XXXX XXXX XXXX representing Syncrony Bank for Amazon Store Card last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family of XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from XXXX XXXX XXXX XXXX written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX to XXXX XXXX XXXX XXXX they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. What happen to the statutory law in Hawaii of 6 years. Now I'm broke.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96813
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX is not applying payments appropriately. WHen asked they claim to apply the amount to the highest interest balance and then to any promotional balance. They offer both deferred interest promotional offers and Equal pay ( XXXX % interest ) offers. They have admitted that if you make XXXX payments in XXXX month, they will apply the payment to any equal payments twice violating their own agreements with both the equal pay and by not applying payments to the balances with greatest interest are violating the XXXX Credit CARD act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I closed my XXXX XXXX credit card on ; XX/XX/XXXX due to my infrequent use of the card. I was told by XXXX in customer service, I would receive my final bill in the mail. I always received paper bills and have never signed up for paperless. I never received any further bills. However on XX/XX/XXXX XXXX from customer service called me and stated I was delinquent on my bill. I told him I never receive any further bills. He informed me of some charges dating back to XX/XX/XXXX to XX/XX/XXXX totaling {$260.00}. I recalled the charges and immediately told him I would pay on my Online Banking while he was on the phone on XX/XX/XXXX ( amount {$260.00} to pay balance in full ) On XX/XX/XXXX I received a refund check in the amount of {$240.00} stating ; Attached please fine a refund check from your account. Thank you for your business. Sincerely Customer Service ( That was the entire letter, which I have a copy of ) Now I getting continuous bills stating I owe Synchrony Bank {$280.00} plus late charges. I have reach out numerous time to state I have a copy of my final payment to them. I have called them on XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XXXX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX. I have told them numerous times I paid them in full. And yes I received a refund check. for {$240.00}. Not the same amount I paid to close the account. I question there billing and non billing of my account. And now a refund check is all in question. I will not send any further payments nor returned any refund that was due to me.
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: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had some dental work done in XXXX ( {$3500.00} ). On my way out and while standing at the checkout desk, my dentist 's assistant offered me a payment plan for convenience. I accepted but signed no paperwork or application of any kind, and received only a small 3-fold brochure, and a receipt for the dental work done. There was no discussion of a security fee, and nothing in the brochure referenced a security fee. Several weeks later I received my CareCredit/GE Capital Card , but no paperwork referencing a security fee. My first CareCredit statement was on paper and there were no references of any kind regarding a " security fee ''. Thereafter CareCredit switched to electronic statements via email. Those emails show a digital statement, with the balance and payment due. However, there is no reference to a security fee or the security program. I have had the account on autopay since my dental visit in XXXX. Several months ago, I received an email from CareCredit ( now Synchrony ) about their convenient new app and so I decided to download it - and goodness! What did I find? A whopping $ XXXX MONTH security fee, which over the course of the 10 years I have had the account equals @ {$15000.00} in security fees alone. My account balance exceeded {$8800.00} ( far over the {$5000.00} limit, negatively impacting my credit due to " high usage '' on a card that never left my file cabinet ). The cost of dental work was {$3500.00}. I reached out to CareCredit /Synchrony and I spoke with several customer service individuals who basically gave me the runaround when I requested to speak to a manager - of course, not available ( on at least XXXX different calls with promises of a call back- which never happened ). One of the customer service reps emphatically told me I did sign up for the program, so I asked that she send me verification via the original document that she claims I had signed. If it's my signature, ok fine, but if it's not, I want ALL of the fees from an unauthorized " Security Program '' reimbursed and the funds withdrawn without my consent returned.all {$15000.00}. I specifically stated that unless she or her manager could reimburse me for the ENTIRETY of the fees charged, ( assuming they could not, which the customer service validated that she could not ), NO CHANGES were to be made to the account UNTIL l had the opportunity to speak with a manager or a member of their leadership team regarding the account, as I wanted to have a visit and really understand exactly how a dental bill of {$3500.00} ballooned to $ XXXX excluding the almost {$16000.00} in accumulated security fees and the interest, or interest upon interest... I requested a line item breakdown of the account charges, fees, interest, and interest on the interest that had compounded over time for the life of the account. Specifically, I was looking for how much the security fees had contributed to the increased balance over time, and I wanted to determine the compounded interest that I had been accumulatively charged on security fees, and the resulting continuously increasing balance. A week or so later ( XX/XX/XXXX ) I received an automated letter of verification ( not a copy of the original document with my signature that I had requested ), confirming that I had been enrolled in the security program since XX/XX/XXXX. ( Had I known that the Security Program pays off your debt up to $ XXXX in the event of job loss, I most certainly would have taken advantage of that during XXXX! ) Approximately a week later, the Care Credit App on my phone alerts a notification, and it appears that Synchrony has credited my account {$1500.00} ( not {$15000.00} ) for my Card Security Debt Cancellation. And so now they have my XXXX AND they have canceled the coverage despite my specific request for no changes to be made until I can speak to someone higher up at Synchrony. I reached again to Customer Service and again, and the runaround, and promises of callbacks. I received one voicemail ( the phone did not ring ) whereby a Synchrony " Manager '' left me a message to call her back- alas, no name and no telephone number was shared in ther message - caller ID did not reveal a number. After several more attempts to speak with someone, I check the mail and see I have received yet another letter from Synchrony ( XX/XX/XXXX ) with my " new '' terms and of course, no reference to the Security Program for which I have now " invested '' in to the tune of $ XXXX. I am in desperate need of resolution regarding this matter as it is obvious that they made the changes to my account in an effort to abscond with monies and hide their deceptive practices, which I dare say consists of theft and fraudulent behavior, but also has - and continues to - cause great harm to my credit, affecting all other critical ( and financially related ) aspects of my life... anywhere that credit and usage of credit is a key component in decision-making. As it so happens, I was laid off prior to my inquiry with CareCredit ( though I did not reveal this ), and I suspect they may have done a bit of research, come to that determination, and decided to head off any claims I might have submitted, in advance. As of now, I believe that it would not beyond the scope of appropriate remedies to request that the remaining existing account debt receive a full credit reimbursement, as well as return the nearly {$16000.00} in Security Fees to my bank account from which they were illegally withdrawn without my knowledge, authorization, or consent ; the interest earned on those fees, and the interest upon interest earned on those fees, and any additional monetary penalties that can be attributed to Synchrony Bank 's deceptive and harmful trade practices, and to make good on the reputational and financial damage they have incurred. I have also written to the main credit/data aggregators, XXXX, XXXX, and XXXX, XXXX dispute the accuracy of the account as it stands and request its removal from my reports, which has yet to be acknowledged or undertaken. Your assistance in this matter would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I do not have any correspondence from this company any more and further more would like to have the negative account removed from my credit due to the fact that I paid off the balance, and also ; the reporting is a violation of my privacy.
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: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This complaint is related to my existing complaint ID ( XXXX ) pertaining to the same credit card in question, which has since been closed. Among the attached documents is a screenshot of the text message I received from Synchrony following an armed robbery and assault with a deadly weapon in which I was a victim. Two transactions were from XXXX and a third was from XXXX. I have inquired about these transactions from Synchrony last year using my current cell phone number ( included in the original dispute letter, which I also attached ) but have not been able to receive any information over the phone pertaining to the users of my credentials. I am hoping this complaint warrants a deeper investigation so that we can track down all relevant transaction data including IP addresses ( and the types of items attempted to be purchased ) and a delivery address from the XXXX Transaction. I was told by XXXX that they were not able to retrieve any further information since the transaction was declined. I am certain that Synchrony 's Information Technology or other related department can get the information I am requesting. Any information obtained would need to be a hard copy sent to me either through email ( if possible ) or to an address I can later send to you since my timeline in my current residence is not certain. This evidence is requested of my assigned detective so we can move forward with the case and identify a suspect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an emailed letter on XX/XX/XXXX from Lowes that my XX/XX/XXXX {$30.00} payment had been denied. ( However, that letter ended up in my " spam '' file, so I didn't see it until XX/XX/XXXX, so I immediately made a {$40.00} payment and started to investigate. I was stunned. I called Lowes customer service, basically to get frustrated for a sundry of reasons : A poor connection due to the head set of the rep. I spoke to overseas, an answer that had no explanation, and I hung up in frustration. Then I got a message from XXXX XXXX that the account had been closed. I then went through another frustrating " session, '' asked for a manager, who told me that " when a customer 's payments are returned twice in 12 months, account is closed. '' Again, I checked my bank account. ( Somewhere along the way I had also made a {$50.00} online payment that also was " reversed, '' " returned, '' or whatever the nomenclature was that was used. ) I had ten times the amount of those payments in my account and could not find any payment being presented to my bank from Lowes. This led to me calling AGAIN ( keep in mind that every number I call leads to the same call center. Also, I have at least 3 accounts with Synchrony, the bank that funds Lowes ; and I have never had a problem or a late payment. And I make all my payments from same bank account online. ) I made another call, albeit futile, to customer service and was now told that payments made on XX/XX/XXXX and XXXX were returned due to " Stop Payments. '' I explained what a " Stop Payment '' is to rep., and asked if they are sure that these payments didn't go through due to a " Stop Payment, '' as this was contrary to the information I had received previously, and all they could say was " Stop Payment. '' After giving a phone payment ( which went through with no problem ) and continuing to get nowhere regarding how to resolve this problem, I asked for an address, email address, etc., to present documentation from my bank so that Lowes could correct THEIR mistake as my bank and I did NOTHING wrong. I also couldn't check my Lowes account online to reinsert my bank information in case there was an error on account number, etc. Although since I had the account for many months, my bank info. never changed, and up until this point all payments went through fine, the option to check my information on my account was no longer available. I am unable to retrieve any information on account other than to key in " make payment '' and " payment amount '' ( showing last 4 digits of my checking account. ) ( Did someone key in the wrong " code '' when posting my payment or incorrect account number when getting payments back? I don't have any idea, but it's not due to anything MY BANK OR I DID! ) Finally, on XX/XX/XXXX I spent {$14.00} to fax to the number given to me for " Payment Research Department '' documentation from my bank explaining ( first, regarding what I was told problem was about returned or denied payments ) that payments were never presented and there was plenty of funds on those dates to cover said payments, then I reached out to my bank to please document the fact that a " Stop Payment '' was never placed on Lowes Synchrony, and THERE WERE NEVER PAYMENTS PRESENTED TO MY BANK. Yesterday, XX/XX/XXXX, I took a deep breath and called Lowes Customer Service AGAIN to find out if there was any " movement '' or status on their end since I had faxed my documentation a week prior. I spoke to someone who was more helpful than the previous reps I had spoken to, however ; other than telling me that I was given an incorrect fax number ( she figured out after at least XXXX minutes ) so XXXX knows where all my documentation went last week ) and that there was nothing stating that anything new had happened on my account ( I'm paraphrasing ) and that " she takes calls like mine all the time ; adding that many customers are frustrated for the same reasons I am of getting their accounts closed for no fault of theirs ', and it is impossible to straighten out ; '' and also that " they too have more than one Synchrony account and Lowes is the only one they have problems with ... '' ( I am paraphrasing, but almost verbatim. ) To summarize, my hands are absolutely tied because the Synchrony/Lowes company is not only inept, but there are absolutely no " mechanisms '' for customers to resolve anything. Every phone number leads to an untrained, inept, call center who can't even give proper addresses to send important documentation to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A