Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ran my credit without my permission this is my 3rd attempt to get this information resolved with no response, SPOKE TO 3 REPS FROM THIS COMPANY AND THE ENSURE ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: 1. Making payments is not clear. There are two addresses listed on my statement. One for XXXX XXXX XXXX XXXX, TX XXXX and on the back, XXXX XXXX XXXX XXXX GA XXXX. When I called on XXXX XX/XX/2023, I spoke with XXXX ( ID # XXXX ) and was told payments should go to XXXX XXXX XXXX XXXX, TX XXXX which is nowhere on my most recent statement dated XXXX XX/XX/2023. 2. Payments are not posted to my account in a timely manner. I have had to start sending my payments by certified mail because payments are not being credited to my account in a timely manner. For example, my last payment was mailed on XXXX XXXX, delivered on XXXX XX/XX/2023 according to XXXX tracking ( XXXX ). As of XXXX XXXX, when I spoke with XXXX, she could find no record of my payment even though I mailed it to the address on the payment stub of my statement. I was told that the address on the statement ( the address on the tear-off stub of the statement with the address that shows through the window of the provided envelope ) is not the correct address for payments. I also found out I was ahead 2 months in payments. I requested those payments of {$390.00} be applied to my principle balance. I was told that's not allowed. ( So they can continue to charge interest. ) By this time my {$2500.00} payment should also have been received and posted. This check is noted that {$200.00} is for a regular payment and {$2300.00} is to be applied to principle balance. I requested that the full {$2500.00} be applied to principle balance since I am already 2 months ahead on payments. I was told that can not be done either. 3. Principle payments are not correctly applied to principle. I made a {$400.00} payment that was posted to my account on XXXX XX/XX/2023. Only {$300.00} was applied to principle, the rest applied to interest. I had to call customer service and was told that if I want to make a principle payment, it has to say this on my check. Please refer to the image of my check that clearly states " PAY TO PRINCIPLE {$400.00} '' in the memo line. 4. Synchrony is so outdated that the only way to make payments is to call in ( they charge for this ) or mail a personal check. They do not accept online payments. You can not view your account online. I make my payments on time. I make extra payments in an attempt to pay off my loan early. Synchrony bank is using deceiving tactics such as multiple addresses on their statements as a way to confuse their customers and as an excuse to hold checks so that they can charge more interest. ( I was told I am being charged {$2.00} per day in interest. ) It has become so frustrating and costly having to waste my time to go to the post office to send a personal check by certified mail every month. And then when I do as instructed in writing on my statement, I'm told that's not correct. I am so frustrated and want out of this loan so badly that I had to pull money out of my emergency fund during a recession to try to get out of this predatory, deceiving, bad-faith lending situation. I will be calling tomorrow for my pay-off balance, ready to make my final payment over the phone. I have a feeling they will hold my payment, continue to charge me interest, hold the title to my vehicle, and send me another statement saying I owe them money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act ( 15 U.S.C. 1601 ) on the part of CareCredit, in that CareCredit, aka Synchrony Bank is a " '' creditor '' '' by definition of 15 U.S.C. 1601-103-f ( Consumer Credit Protection Act. ) Care Credit charged back interest of 26.99 % when all payments were received on time via autopay and no promotional period was agreed to, no warning was given that this would even be a possibility on email paperless statements which I was encouraged to sign up for. They also inflated my original balance by XXXX and that is just the beginning. I have requested THREE times that my original contract be mailed to me and was told to go to the CareCredit website which wont allow you to log in to anything but a page with their logo ( blank elsewhere ) but no way to access your account or contact them anyway other than by phone which is also nearly impossible. The last time I called and spoke to a man about obtaining my contract so I could prove I never agreed to any promotional period OR interest rate of any amount, let alone 26.99 %, he said, I dont think Id be able to obtain your original contract. Convenient for them, BUT highly illegal and falls under Deceptive Trade Practices. Care Credit charged illegal and exorbitant fees without any form of legal disclosure and has instituted retroactive " '' terms and conditions '' '' without proper notification, in violation of XXXX of the CCPA. - has provided such " terms and conditions '' in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible. Ive had to take photos and enlarge them to read them. These are the first copies Ive received in one years time. They do not send email statements. Each time I ask to see my contract stating I ever agreed to their fraudulent terms, they merely send me blurry statements. Care Credit has made it virtually impossible for customers to contact them about these very sudden, astronomical, and illegal charges by failing and/or refusing to answer telephone calls ( by placing the customer on hold for incredibly long lengths of time ) and by disconnecting them after lengthy hold times or when we request our contract, and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line. The minimum payment on the above account is {$72.00} per month which fluctuated constantly, leading to more confusion. This loan was granted at 0 % interest if paid within 24 months. The original loan amount was for XXXX for XXXX XXXX. They have claimed I had a Promotional period that ended in XXXX, XXXX which is completely false. This was a 0 % interest loan. I would never agree to paying 27 % interest in the first place. If I wanted to pay a ridiculously high amount of interest, Id have used my credit card at 15 %! I only agreed to use Care Credit because Id had a previous loan with them for XXXX XXXX a few years ago with the same terms 2 year note with 0 % interest. Now, they suddenly charged me with 26.99 % back interest in the amount of {$470.00}, then an additional XXXX and XXXX deferred interest which makes zero sense. The amounts constantly change on the blurry statement copies they finally sent and no one at the company can, or will, explain why. Original loan amount : {$1700.00} Statement : XX/XX/XXXX : {$2000.00} ( stating previous balance ) There is no previous balance. They inflated my new balance by {$250.00} but then on a more recent statement they go back to the original loan amount of XXXX. My new balance is suddenly {$1900.00} after paying on time through autopay for an entire year. Statement XX/XX/XXXX promotional bal {$1400.00} + {$470.00} interest. Statement : XX/XX/XXXX : {$1800.00} + interest of {$42.00} Since the beginning of this loan, I have paid each month, totaling {$740.00} which leaves a true balance of XXXX minus the XXXX interest they charged me last month which I will not be paying, making my correct balance {$950.00}. I intend to pay the original agreed upon debt, as I always pay my debts, but I will need to see my original contract. I did not sign anything and this loan was done over the phone at my doctors office as was the first loan I had with CareCredit in XXXX which was paid in full at 0 % on XX/XX/XXXX and with none of these illegal charges. Because this company was sued and lost XXXX XXXX to over XXXX XXXX customers over the exact same behavior as Im dealing with, I demand to see my original signed contract. I will NOT pay any interest whatsoever, nor will I pay any late fees. I have been an accountant for over 35 years and would never agree to these terms especially with my good credit score and common sense. These deceptive trade and predatory practices are meant to prey on consumers who are either desperate or are completely insane. I fall into neither of these categories. I am requesting legible copies of statements be mailed to me along with my original contract before they received any further payments from me. At a rate of XXXX current complaints and losing XXXX XXXX in just one of many lawsuits, I would think theyd have their act together by now and not be violating federal consumer protection laws. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, FL, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$4900.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Florida. I will never pay this fraudulent debt. Not under any circumstances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: CareCredit Rewards MasterCard is a credit card that combines the benefit of being a MasterCard that accumulates rewards points but also still allows the promotional financing through in-network CareCredit providers like a traditional CareCredit card. Card holders can have an active revolving balance as well as active promotional balances that are supposed to be interest-free if paid off within a certain timeframe. I am supposed to have XXXX active promotional balances right now that will be interest-free if paid off within 6 months. I also use the card for regular MasterCard purchases to accumulate point and sometimes carry a revolving balance in addition to the XXXX promotional balances. I always pay off the balance on all of my credit cards each month so I do not pay interest. CareCredit keeps applying my payments towards the promotional balances first even though I am still within the interest-free 6-month timeframe. This leaves the revolving balance only and they keep attempting to charge me interest on it. I have requested to them multiple times to first apply my payments to any revolving balance but they do not seem to have a way for their system to automatically do that. I have to contact them when I make a payment and request for my payments to be manually re-allocated to the revolving balance so that I am not charged interest. I always pay off the promotional balances within the specified time frame so I do not pay interest on them. I am very mindful of my finances and avoid paying interest at all times, but there are likely cardholders that are unaware of this practice and are being charged interest when they shouldn't be. They are illegally charging cardholders interest by having payments applied to promotional balances that are still within the interest-free time frame. Here is the link to the product : https : //www.carecredit.com/mastercard/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Today I called the phone number on the back of the JCPenny 's card which directed me to Synchrony Bank. It then asked me for the last 4 digits of my social. When I got through to a person after waiting 45 minutes the woman in turn said I can't take your payment and that I needed to call JCPenny 's Customer service. So I decided to call the customer service number directly. It appears that Synchrony closed my account without my knowledge even though I have been paying on this card on time every month. Its like they deliberately trying to get me to pay fees. I couldn't pay my payment which is due today because the number I called back for Synchrony said they closed at XXXX XXXX XXXX. This bank is so unfair and unjust to the consumer who is just trying to keep the credit right. This credit system is all A GAME FOR POOR PEOPLE TO PAY FEES AND HUGE INTEREST RATES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
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: XXXX XXXX was initially serviced by Synchrony Bank, in XXXX XXXX I made a reservation with XXXX of {$5900.00} at the time XXXX charged {$2900.00}. In XXXX, XXXX XXXX started to service account. In XX/XX/2022 the remainder was charged of {$2900.00}. On XX/XX/2022 the reservation was cancelled and XXXX issued refund for both charges to respective servicers. I received {$2900.00} refund to my XXXX account, however the {$2900.00} which Synchrony received I have not received. I have filled dispute with XXXX and have called both institutions countless times. XXXX sent confirmation that card issuer Synchrony received refund yet funds have not been sent to me. Both institutions have requested several waiting periods in the last XXXX months. At this time I seek help in retreiving my funds from Synchrony bank of {$2900.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93215
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I visited The XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their contact number is ( XXXX ) XXXX - XXXX. As I was in the middle of making a purchase, the cashier asked me if I wanted to sign up for a rewards card. As she kept trying to convince me that it was not a credit card, I still asked her three times to make sure it was not a credit card because I was trying to get a home. She promised that it was not a credit card, so I gave her my information. She then came back to me and said it was not approved. I said to her that I never had a rewards card not approved. Before I left the store, I called for a manager. The manager went over to check her cash register, and sure enough she pulled my social security number for a XXXX Credit Card. The manager apologized but it was too late. On my credit report, they did a hard pull and then removed it, but my credit score dropped because of that pull. I can not find a decent attorney that would represent me, and I am now inquiring to see if CFPB can compensate me for the damages they did even after they pulled it. I do have copies of them removing the inquiry, my receipts of me being at the store as well. I want to make sure this never happens again to anyone.
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: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A staff attorney with The XXXX XXXX XXXX drafted a letter for me to send certified mail to Synchrony Bank/Venmo- making it the 3rd time I filed a dispute. We included all the documents from my XXXXXXXX XXXX checking account to prove {$680.00} was taken from my account, but Venmo still denies they received the payment. I stopped using the card and making payments in XXXX since it was useless. I normally pay my bill in full. Since then late fees and interest charges have been accumulating. They have damaged my XXXX and XXXX credit report. Here is a timeline of what happened. I have attachments to back it up : XX/XX/ {$680.00} was taken out of my XXXX XXXX account. This is what the app shows : XX/XX/ my account balance in the app was credited {$680.00} XX/XX/ my account balance in the was credited {$680.00} XX/XX/ my account balance in the app raised {$680.00} XX/XX/ my account balance in the app raised {$680.00} So all the transactions canceled each other out- the credits were canceled out by the charges. The charges and credits in the statements match those shown in the app. This is what is reflected in my Venmo statements : The Venmo statement named " XX/XX/ '' shows that {$680.00} was credited to my account on XX/XX/22 and XXXX. It also shows at the bottom of the charges that I was charged another {$680.00} on XXXX The Venmo statement named " XX/XX/ '' shows a charge of {$680.00} on XX/XX/. I filed a dispute twice which is why this happened twice. The dispute letters from Venmo say that they have no record of the transaction even though I sent them my bank statement and a trace number. The secure messages ask me to send attachments, but then the response says they can't accept attachments. After sending the certified letter Venmo opened and closed the dispute for the 3rd time not in my favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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: JC Pennys along with Synchrony Bank billed me in XXXX and XXXX for on line charges purchases not made by me. Some of these charges were even paid for but they promptly took the charges off and issued me a refund check on XX/XX/XXXX for {$380.00} and closed the account. They opened a new account which I did not request. In XXXX of XXXX they sent me a new bill for new bill for {$100.00} even though I had not used the new card. It said there was a previous balance as of XX/XX/XXXX for {$180.00} a credit of XXXX a fee of + {$30.00} for a total of {$100.00} due. I called XX/XX/XXXX for an explanation and they said they over refund me on the check they issued in XXXX. I could not follow their explanation but we agree to settle and close out the account for {$79.00} which I made immediately ( confirmation # XXXX ). In XXXX they sent me another bill for {$100.00} less a payment of {$79.00} less a credit of - {$30.00} plus a balance transfer of {$100.00}. I can not get an answer to why I owe this money when the account was settled in XXXX. They now are continuing to add {$30.00} a month to an account I have not used and thought was settled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11762
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A