Date Received: 2023-04-26
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PayPal written explanation for consumer affairs dated XX/XX/XXXX I have been a PayPal credit customer for years with an excellent payment history. I am XXXX years old ; I have Social Security income direct deposited in my bank account on the XXXX of every month. Over a year ago, I linked my checking account to my PayPal credit account and set up autopay for PayPal to draft my payment on the XXXX of each month. This way I would avoid possible late payments and fees. My last working autopay was my XX/XX/XXXX, payment. My XX/XX/XXXX auto payment failed, but there was no notice from my bank, no NSF or nothing at all. I didn't notice that it wasn't paid. I don't know why it didn't work. However, on or about the XXXX of XXXX, I had my debit card compromised and I thought that might be the reason why. Synchrony bank called me on XX/XX/XXXX wanting payment for XXXX and the upcoming XXXX payment plus a {$30.00} late fee. I paid them {$240.00} with my bank debit card. I told them my autopay wasn't working right, but I had already updated my account info with my new debit card info to see if that may have been the problem. The only other activity on my PayPal account was on XX/XX/XXXX. PayPal ran an account verification for a cash transaction from my daughter. That was six days before my XXXX payment failed, but I don't know if this has anything to do with it or not. Apparently, no one knows, but I once again assumed all was correct. So, there was no draft in XXXX. ( Pay Pal required me to pay my XXXX payment in advance in XXXX ). I was away from home for an extended time for the holidays, didn't notice my XX/XX/XXXX draft failed. I had no notice on my bank statement, no NSF, nothing. I returned home to find a letter from synchrony bank dated XX/XX/XXXX, saying my account was closed due to dishonored payments. Still nothing was showing on my bank, no NSF, nothing. I contacted XXXX via phone call to make XXXX and XXXX payments plus a {$41.00} late fee and paid them {$250.00} on XX/XX/XXXX. They reactivated my account and waived my late fees, which they say {$71.00} was applied to my debt. I ask customer service for the third time what could be wrong. It was suggested that my bank was blocking the payments. The next week I received another letter from PayPal dated XX/XX/XXXX, again saying my account is closed for dishonored payments. I went to my bank, they said they have no idea what happened, but they haven't had a stop-payment on my account since XXXX. On XX/XX/XXXX, PayPal attempted to draft my XXXX payment for {$130.00} ( {$100.00} + 26 dollars late fee ). I called customer service for the fourth time on XX/XX/XXXX, and explained the situation again. I spoke to XXXX and told her I knew this wasn't working again. I made a payment of {$100.00} through my PayPal account using my debit card online. She said she would adjust my account so that my {$100.00} XXXX payment would make me current. The late fee would be removed because it was the XXXX which is my due date. She was, once again, able to reactivate my account and I was current until XX/XX/XXXX payment. She said to wait until my payment cleared my bank and then go to my account and totally remove my bank and set it up again and see if that fixes it and I did. I received a third letter dated XX/XX/XXXX, that once again my account had been closed due to dishonored payments. I got an email notice that my payment was past due, and they needed {$170.00} to catch up making my XXXX payment as well. On XX/XX/XXXX, synchrony bank ( which is also PayPal credit ) called wanting payment. I called them back on XX/XX/XXXX, explaining the situation for a fifth time. I paid {$26.00} late fee payment, and my account was said to be current owing {$140.00} due on XX/XX/XXXX. I was advised that I should have stopped using autopay back in XXXX when it didn't work. I didn't know it didn't work or I wouldn't have used it! If you had an auto pay that failed, would you just stop using it with no questions asked? This was the first time anyone suggested not using autopay. I used auto pay to avoid late payments and now I have five NSFs being reported to credit bureaus as late payments. I spoke to XXXX in customer service and explained for a 6th time. She said unfortunately once those figures are in the system fees and penalties are assessed and there was nothing she could do. She said she tried to reopen my account and could not, and if I wanted, I could try to open a new account in the future. I have had no reasonable answer to this dilemma in five months of trying. As a result, I overpaid my normal payments by about {$100.00}, my account is closed for the third ( and apparently last ) time, I have NSFs and late payments being reported to credit bureaus. I have no idea of what happens when they try to draft my bank, but obviously these drafts are not getting to my bank, I dont know where they go, but Pay Pal says they are being returned as NSFs which is not true. I made my XXXX payment online through my Pay Pal account and will probably have to continue that way or they will try to auto draft again, which wont work and all of this will happen again. I cant stop a draft at my bank that they have no record of. Thank you for your consideration in this matter, PayPal has all my calls recorded. I feel like I've done nothing wrong, I am being punished because THEIR system has failed! NO ONE AT PAY PAL EVER CHECKED MY BANK INFORMATION or offered me a reasonable solution as to why my auto pay doesnt work or how to fix it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: ( On XX/XX/XXXX ) My Care Credit Master Card account was Fraudulently accessed and my address was changed to ( XXXX XXXX XXXX XXXX, Ohio XXXX ) as well as other action with 2 other with Synchrony Bank Card accounts XX/XX/XXXX I contacted XXXX credit bureau to remove a fraud alert I had removed XXXX and was still active. While speaking to the agent by phone and viewing my credit report on-line at Experian.com, the Agent removed my fraud alert and I found ( viewing the acct.on line ) that 2 of my credit accounts were closed and an incorrect address had been reported .The agent verified the address change and both credit card closures were reported to XXXX by Synchrony Bank on XX/XX/XXXX XXXX The Home card was closed for " Inactivity '' and the XXXX card was v closed at " Customer request '' I filed a fraud dispute on XXXX card and a dispute to re-open my Home card. I then filed a dispute for fraudulent change of address with XXXX. XX/XX/XXXX I contacted Synchrony Bank XXXX Care Credit Master Card Fraud department by phone. Spoke with " XXXX '' He stated the address change was reported " on-line XX/XX/XXXX and updated to the account on XX/XX/XXXX. He placed a Temporary freeze on my account and issued a new card. I asked what the bank would do about my fraudulently accessed account, he said the bank does not inform customers on any action taken in fraud situations with customer accounts. Note : ( After reporting this address change on XX/XX/XXXX to Synchrony Bank ) On XX/XX/XXXX XXXX. ( XXXX ) I received my first communication of changes to my Care account : I received a letter from my Synchrony Care Credit Rewards Mastercard stating Synchrony Bank had received an address change and updated my accounts mailing address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " I HAVE THE RIGHT TO PRIVACY ''. 15 U.S.C 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Synchrony XXXX card whirlpooling my credit score. Missed payment in 2021, they negatively reported to credit. Fine. Then lowered limit from XXXX to XXXX ( original balance was XXXX, paid down to XXXX when this happened ) bc of lower credit score. Which then lowered my score again for having too high balance vs. limit. The new lowered credit score was then used to justify closing my account ( with no notice to me ). I have a balance of {$1500.00} today, called to up limit for new a/c and found out closed. Was told to reapply, fine. Reapplied and was rejected for low credit score and balance too high vs limit ( which they caused ). THEN, lowered my credit score AGAIN for reapplying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX calls every other day saying I owe a debt. They threaten to sue and they call my siblings asking about me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I bank with XXXX and use online banking and their credit reporting page to monitor my credit. I received two alerts through XXXX about credit inquiries that happened on XX/XX/2023. The inquiries came from : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services '' I called XXXX and opened up a complaint through them letting them know I did not recognize these and had not tried to open any new lines of credit. They were able to shut down the XXXX card services one since that was with XXXX, but they advised me to call XXXX to start the complaint process for the other. I called XXXX on XXXX, and they have started a complaint for me to delete the other inquiry. They put an alert on the three credit bureaus as well. I intend to upload this complaint to the XXXX site, and call Synchrony to dispute the XXXX XXXX XXXX XXXX and make sure that there is no account open with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a new credit card with XXXX XXXX XXXX, all is good, but when I went to register my card on the app to make payments, it had me set up an account. It DID NOT just open an account in order for me to view/manage/pay my account balance, it ran my credit AGAIN and added ANOTHER inquiry. I did not otherwise for them to run my credit twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Below is my validation request for Synchrony Bank. To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of both debts listed by your company. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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: e credit card company put extra charges on my account and will not fix it purchase XX/XX/XXXX {$660.00} returned XX/XX/XXXX XXXX XXXX recharged XX/XX/XXXX {$660.00} pay pal added charge XX/XX/XXXX {$660.00} pay pal added charge XX/XX/XXXX {$660.00} pay pal credit XX/XX/XXXX $ XXXX pay pal credit XX/XX/XXXX $ XXXX They put charges on my account after I disputed a charge and they wont credit me {$660.00} that they charged me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2023 care credit closed account after saying payments not paid. called before payments processed after getting notice from XXXX about them having issue reported issues to them followed there instructions an had corrected an paid an taken care of today closed account due to two rejections. after i reported issue with them an even got with XXXX an verified money was there. not to mention they waited a week at a time each payment to even try to pull money after was suppossed to with draw another day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A