Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. PayPal Credit has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end loan as late for any purpose. The dates XXXX, and XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I recently attempted to use my LOWES Credit Card, but my transaction was unexpectedly declined. I then learned that my account had been closed. I have outstanding payment history with lowes and I would like for my account to be re-opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I submitted a dispute on the opening of an account with Care credit by my service provider to care credit on XXXX and have yet to get a response. I have since learned that providers of care credit have a history of providing false and misleading information to costumers to get them to sign up. In my case my provider scammed both me and care credit. After being diagnosed with XXXX at XXXX XXXX on XXXX at about XXXX and telling the provider that I could not afford the cost of the XXXX, I was asked if I wanted to finance the cost. The secretary told me it would be 12 months no interest and that they could submit the application on my behalf and I agreed. The secretary then went into another room to presumably submit an application. When she returned, she told me I had been approved and that the cost of the XXXX had been paid for. She then told me someone would call and text a link to my phone number to confirm my identity and the payment. I spoke to a representative at care credit who verified my identity and texted me the secured link. At no point during this interaction was I told about the 29.99 % interest rate or the fact that interest accrues on the initial balance not what's left at the end of a year. At no point during this interaction were the care credit cardholder agreement nor full terms and conditions of the card presented to me either verbally or in writing. At the end of my visit, I was asked to sign paper work which included a XXXX agreement and a care credit application which had already been filled out. I signed this paperwork on XXXX at about XXXX. Please note that the provider had already submitted the application and charged the XXXX to my account ( an email confirming payment was sent to me on XXXX at XXXX ) BEFORE I signed the care credit application given to me around XXXX. I'm assuming in order to submit the application and charge my account they must have stated that I had already seen and agreed to terms which were never presented to me. XXXX XXXX states they have footage of me signing the document. Please compare the time stamp on this footage to the time stamp of the charge to my account. As noted above, I was not there as the secretary filled out the application nor did the secretary ask me any information to fill out the application. On XXXX at XXXX I went into the XXXX XXXX XXXX to see the application they submitted on my behalf as I was not provided a copy. In the application they incorrectly noted my income was over {$16000.00} a month. A figure that is over XXXX more than my actual income and which I did not give them. I believe they put this income in so that I would be approved for a high credit line. I got an email saying my application for carecredit was denied on XXXX ( reference number : XXXX ) so I believe they initially tried to apply with a lower income but then bumped my income up when they realized the first application would not be approved. They have told me that they are unable to refund the balance despite the fact that I will not be going in for the XXXX and despite the fact that at no point did they present the full terms and conditions to me and that they lied about my income. I never did do the XXXX with them and I have not been issued a refund for the cost of it til date. They have told me that my signature on the carecredit application makes me liable for the false information presented on the application. This is extremely serious as lying on a credit application is fraud, a potential felony, and potentially thousands or hundreds of thousands of dollars in fines. I would like to get this balance removed expeditiously and this credit line closed as well. I have two videos that back up my claims. 1st Video : XXXX XXXX XXXX XXXX XXXXXXXX Here the secretary confirms only telling me about the partial terms of the card i.e. 12 months no interest but not 29.99 % interest on the full balance. 2nd Video : XXXX XXXX XXXX XXXX XXXXXXXX Here you can see they lied about my income being {$16000.00} a month without ever consulting me, that they never told me the full terms and conditions nor presented the care-credit account agreement to me either verbally or in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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: I used my At Home Synchrony Bank MasterCard to purchase 3 tickets to an event being held at XXXX XXXX XXXX XXXX XXXX in XXXX. The event was to be held on XX/XX/XXXX. The person that I bought the tickets to see was XXXX XXXX. The event was held by XXXX XXXX but tickets were generated by XXXX. That was the company that was being used to issue the tickets. On XX/XX/XXXX, I received an email saying that the XXXX XXXXhat was supposed to be in the event could not make it but that they got another XXXX to do the event and his name was XXXX XXXX. It states in the email that if I no longer wanted to attend I should reply to the email, which I did on the XXXX of XXXX. I then had communication back and forth with the organizer of the event and she told me that she would be refunding me that night or the following morning. She said that the XXXX fee would not be refunded which was {$6.00} per ticket. I agreed to that so I was expecting a refund for {$190.00} minus the XXXX fee which would have been {$18.00}. So my refund to me my credit card should have been {$170.00}. When I received my credit card statement the following month the charge was never refunded so I called my credit card company. I also tried many times to email XXXX XXXX again with no response. My credit card company is saying that they paid XXXX and that XXXX is saying they can't refund me. On my statement where the transaction appears it says XXXX spirit messages. I am not asking for XXXX fee as I know that was not refundable I am asking for the amount of the tickets. I have asked my credit card to ask XXXX for another way to get in contact with the XXXX XXXXXXXX organizer but they said they can't get any information. I have also tried to contact XXXX myself but they do not have phone customer service only online but it says that they are not responsible and I have to contact the organizer. So I am back at square one. I have been disputing this transaction with the credit card since XXXX of XXXX. I don't know what to do anymore. I have looked at XXXX 's website and there are still events being hosted by the organizer that I have the issue with so obviously they still have contact with that organizer but they won't give me or the credit card any information. Attached you will find all my emails and the faxes to my credit card number and the flyer to the event I originally bought the tickets for. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SYNCB/AMAZON Inquiry XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Unrecognized Inquiries on Credit Report Dear CFPB, I am writing to dispute several inquiries on my credit report that I do not recognize. These inquiries are impacting my credit score, and I believe there might be an error. I have attached supporting information to aid in your investigation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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: On XX/XX/XXXX Placed order for XXXX XXXX XXXX XXXX for a Total of {$75.00}. On XX/XX/XXXX received message from amazon that they were unable to delivery the item to me. I placed a second order for the same item and requested a refund for the first order. On XX/XX/XXXX chat with amazon customer service agent to request the refund, the customer service agent said that I will receive the refund and a confirmation email in the next 3 to 5 business days. After many days that I did not received the refund I called several times and they always said that I will received. Because I never received the credit I disputed the purchased to Synchrony Bank, spoke few times with Synchrony Bank and submitted few times all the information and respond two times when they give 10 days to answer. Until today XXXX I have not received the credit from amazon or Synchrony Bank Credit Card. See attached correspondence with Synchrony Bank and US Postal receipt for sending the information they requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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: Synchrony Financial is not reading the information and reviewing the evidence that is being presented. Amazon clearly stated to me that the return had been recieved and I provided evidence of this through chat transcripts and emails from Amazon. Then Amazon submitted to Synchrony that the return had not been recieved which is false. Amazon has been inconsistent in their details and story. This is a {$1900.00} that I have had charged to my account and I do not have the item and Amazon admits this. Synchrony continues to commit what I would consider fraud and refuses to provide the proper resolution to this issue. Syncrony is using an outsourced call center which can not understand XXXX or communicate properly. Numerous times I have had to explain the situation just to have to reexplain the situation to them. Simple things Synchrony customer support can not understand or respond to in an appropriate manner. This has created a hostile situation between myself and Synchrony financial. I just want my money back it has been since XX/XX/2023. Synchrony has failed in their responsibilities to the customer and the providing quality service to their US customer base.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/XXXXXXXX my wife and I hired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, to dig a new water line and install new pipes in our property in XXXX, MO. The cost was over {$8000.00} so we paid half and XXXX XXXX said we could finance half through their company. It turns out the financing was through Synchrony Bank when XXXX XXXX texted paperwork to sign. We were told we would have 12 months to pay off the balance and there would be no interest charged on the account by XXXX XXXX and Synchrony bank credit. As of XX/XX/XXXX, I have never received a bill for the amount financed nor have I received any paperwork or copy of the agreement we signed by text. Synchrony Bank was contacted today and the amount of the balance increased from {$4300.00} to over {$4400.00} with no paperwork sent to explain the difference. Synchrony customer service stated a statement has been mailed XXXX but we have received nothing. I was told XXXX XXXX lied to us about the payment and no interest being charged if paid within 12 months. XXXX XXXX was contacted and stated on XX/XX/XXXX, they did not lie as XXXX XXXX told my wife and me what Synchrony Bank told them. Since we have received no paperwork, we have nothing to argue with either company on the financing agreement we signed. Synchrony is charging us interest but we do not know what rate we are being charged as no paperwork has been sent to us. We have been taken advantage of by Synchrony Bank but have no proof. I was sent a credit card only, no statement, no copy of any signed agreement on the balance financed. Do we not have a right to information on this financing?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had to open a credit card with Synchrony bank in order to establish a phone service through Verizon. I did so and since the Verizon Synchrony account opened in XXXX XXXX, I have received only 2 statements, one in XXXX and one in XX/XX/. I am not enrolled in e-statements through Synchrony Bank credit card account so no statement is listed under my name on their website and Synchrony Bank will NOT mail a statement to me. I was told in XXXX or XXXX XXXX phone call to Synchrony customer service they will not mail statements at all. The bank wants me to be late on the payment to be able to charge me fees and penalties. I have called numerous times to ask for a statement to be mailed and today, XXXX called, sent a message on their website requesting a statement. I do not know what they are charging me for what service and only can know the amount I owe and no other information. They are a horrible company with a focus on cheating and trying to hide bills, make you late in a payment and force you to enroll in their e-bills even though they offer a choice of ebills or paper statement. Do I not have the right to know what I am being charged for with a company? They share no information, no listing of charges, just an amount on their website that you owe. What are they trying to hide?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opens up CareCredit card XX/XX/XXXX. XXXX. Made my first payment XX/XX/XXXX XXXX that is minimum. XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX payment. On XX/XX/XXXX I was charged late fee. Told they would wave late fee only one late fee was waived XX/XX/XXXX it said I had balance past due XXXX it wa incorrect I had made 3 payments to this card. CareCredit tell me beacause i didnt wait bill to print made payment early I owe them XXXX payment is due today Im gon na be charged late fee. Also told me that they never prossesed one of my payments that unfortantly theres nothing they can do proof they got money bank stamens Im not allowed to make payment early that payment is due XXXX of each mth
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A