Date Received: 2023-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I requested a credit product with LOWE 'S Commercial and my request was denied. On XX/XX/ Lowe 's Home Centers, LLC. Mailed my a denial letter, the recipients mailing address my mailing address didn't have a name but it did have my security number visible to everyone. This is a major problem as I'm already dealing with Identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/XXXX, I opened a Lowe 's credit card through synchrony bank with a 0 % APR offer for 24 months for a vinyl flooring installation. I was told that I would have 0 % APR on purchases for 24 months, and that the interest rate would not then increase if I paid off the balance of {$3400.00} in 24 months which led me to accept the service contract. I made the arrangement to pay off the balance in full by the said 24 months by configuring an automated pay of {$150.00} starting from XX/XX/XXXX to ensure I adhere to the terms and conditions and utilize the 0 %. However, I noticed in XX/XX/XXXX that I was being charged the standard interest on that purchase instead of honoring the 0 % XXXX that I was offered. I immediately called customer service to inquire about this, and I was told that it was some form of error and I should have been charged the 0 % APR as per the contract. The customer agent assured me that she would make the adjustment and I should not see any additional interest charges in the future and the interest rate refund would be applied to the principal balance in 1-2 billing cycles. Based on the guidance I received from the customer agent, I waited for 1-2 billing cycles and followed up diligently with customer service but couldnt lead to a resolution as my principal balance was not adjusted with refund of interest charges charged from XX/XX/XXXX through XX/XX/XXXX. After multiple calls and spending a lot of time with customer service, in XX/XX/XXXX one of the customer service agents was able to help me and assured she was able to make adjustments on my interest rate refund request and was able to refund {$1100.00} that was charged from XX/XX/XXXX through XX/XX/XXXX. I should be seeing an amount of {$1100.00} reduced from my principal balance and should see that reflected in the next XXXX hours. The reference number given to me was # XXXX. To my disbelief, when I reviewed the account in 2 days, I could only see an adjustment of refund made for only 9 months ( XX/XX/XXXX through XX/XX/XXXX ) for an amount of $ XXXXinstead of the whole interest charges from XX/XX/XXXX through XX/XX/XXXX. I am still entitled for the refund of the remaining interest amount charged from XX/XX/XXXX through XX/XX/XXXX. I have made follow up call on XX/XX/XXXX with employee # XXXX and had requested to escalate this matter to the accounting department as I couldnt get a resolution from the customer service for the refund of the remaining interest charges and as I was told that the team couldnt go back beyond XX/XX/XXXX for refund issuance due to system limitations. I got a letter dated XX/XX/XXXX from the synchrony credit bureau specialist that they will not be able to remove any additional interest charges from the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card with Ashley furniture/ synchrony bank . I have 2 purchases going on at the same time right now. One is no interest if paid by XX/XX/2023 and one is fixed apr until paid off. Every time I make a payment the wrong amount goes to the wrong purchase. I believe this is so that I end up paying interest on the purchase that is no interest if paid by XX/XX/2023. They keep putting my payments to the purchase that has interest when I specifically have called them multiple times telling them to allocate certain money to my 2 purchases. Customer service is horrible and I am told to do one thing and then later told that is not what I should be doing by different customer service representatives. I have also spoken with a manager by the name of XXXX from synchrony bank and all he did was apologize but not fix the situation at all. I am not happy and will never do business with Ashley furniture again due to this situation happening to me currently. It has caused me a lot of stress and anxiety financially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I mailed two certified draft checks from XXXX XXXX on XX/XX/2023 and PayPal still has updated my file.My credit report and available balance was not updated. I reached out to PayPal several times on the phone and chat. The representative told me in the chat that to refresh screen and would available. I called talked to a XXXX on the phone asked to speak to the corporate office team to file a complaint he stated couldnt do that. I explained to him about the California law a verbal agreement is the same as contractual agreement. The check cleared from XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a CareCredit card due to illness, the approved {$5300.00}. The balance I had left was {$700.00} and on XX/XX/XXXX I was charged more than {$1400.00} on interest over the whole amount not just the {$700.00} I had left, which is outrageous! This company is scam, I spent more than {$5000.00} and my physical pain has double due to this excessive amount of interest I'm being charged!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX I closed my account with SYNCB/Care after having it since XX/XX/XXXX, Credit due to the fact that each month after I made my payment of minimally {$340.00} this company decreased my credit limit from {$6000.00} to whatever the new balance was after payment was made. Doing this has increased my utilization and made it seem as if I was at 100 % utilization each month although I had already paid 1/3 of the balance. This was supposed to be a revolving credit card, but they treated it like an installment payment. Once I realized what was happening since my credit score was decreasing due to having a " maxed out credit card '' I decided to close the account, and just continue to make my regular payments until the card was paid off. XX/XX/XXXX, I tried to log into the XXXX XXXX XXXX on my phone to make the payment, as this was how I regularly did it, but the app did not allow me to log in. I called the number on the app as I was instructed, went thru the prompts, and was disconnected after a little while of holding. I attempted to call again and the same thing happened. After being frustrated, I discontinued my attempts to wait another day and time to call. I have been trying to call now since XXXX with no success until today, XX/XX/XXXX. I finally able to speak to a representative, however, we were not able to come to an agreement and although courteous, did not understand the damage this has caused to me and my credit. Their only concern was to receive payment. In the mean time, my credit score has suffered greatly because of them decreasing the credit limit each month without giving me any notice at all that this would happen and why it happened. This has adversely impacted me and my reputation as well as my credit score. Also, being unsuccessful in reaching someone on the phone has caused monthly late payments to report on my credit report and potentially put the account into charge-off status. I believe my FCRA and FDCPA consumer rights have been violated and I have been discriminated against with the monthly decrease of my credit limit. Also, my rights to privacy have been violated as XXXX XXXX XXXX continues to send me statements in the mail with their logo on the envelope and the statement " Statement Enclosed. Payment May Be Required '' XXXX XXXX is a card specifically used for Medical, Dental, health, and wealth procedures. This is a violation of FDCPA 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 USC 1692F ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. I have attached exhibits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
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: XXXX apparently closed the new account that I just got with PayPal Extras Mastercard, when I called them Saturday. I did not want them to do this, I was simply asking what's taking so long with the complaint that I already filed. Ther had been fraud on the previous PayPal Extras Mastercard that I had and they reported the account had been closed, but I simply was getting a new card with a new account number. My credit score, availalble credit, and average credit age all dropped, and this was after I had already filed a dis [ ute with Paypal saying that the account was not closed, and XXXX had put the account back and then closed it again. Now they are really ffrustrating and aggravating me with their incompetence saying that the account is closed when it's absolutley not, and now I'll apparently have to get another new PayPal Extras Mastercard to replace the first new one that I already got and used, becuase XXXX stupidly incorrectly reported the accout as closed again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: They are charging late fees for payments made in advance. Even if they waive the fee after the fact as a courtesy, they charge interest on the fee before it is waived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was held by XXXX XXXX XXXX, I negotiated, in good faith an old debt of {$8800.00} to be settled, and considered paid in full for the amount of {$4400.00}. I have a settlement letter as proof of settlement. My 3 credit bureaus are not reporting this as settled in full and still shows an outstanding balance. I was told this debt would be removed from my credit report, but it had not, please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello. JCPENNEY company has been charging me a Card Security Fee since XXXX without my consent ( see attachments ). When I became aware of this fraudulent hidden charge, I called them to make a claim. They told me that this fee started automatically due to an error in the computerized system at the time the account was opened. I have asked them to send me the statements of the accounts that cover the entire time that the fraud lasted and they have refused to do so. In total they have charged me more than XXXX dollars in a deceptive way, but they have only refunded me the equivalent of a year of the charges ( see attachments ). At present, the accounts are closed and fully paid, but they still do not send me the account statements or return the money unfairly confiscated. To top it off, during the pandemic they apparently granted me a request for deferral of payments for both of my accounts with them over the phone. However, they applied the relief to only XXXX of these accounts without letting me know, and then refused to fix the error. As a result, my good credit history was affected. Clarification : The cards are under my name at birth : 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: 32792
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A