Date Received: 2023-04-16
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: payPal is continuously putting a debt of {$220.00} on my credit report which makes my credit score decrease. They have done is at a minimum of 3 times. The first time was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. I am sick and tired of them. I have submitted all 3 times the same bank statement showing that I paid this. I want them banned from having any future reporting with this amount or any amount associated with these transactions made during XX/XX/XXXX XXXX. They are damaging my credit score repeatedly and I want it fixed immediately, whoever is going back and attempting to collect more monies is committing fraud and should be FIRED!!.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am reaching out to you in regards to a serious issue that I have been experiencing with Synchrony Bank. Despite reaching out to their customer service team multiple times, I have yet to receive a satisfactory resolution to my problem. Therefore, I am now seeking your assistance in this matter. Recently, I received a new credit card from Synchrony Bank with a new account number, ending in XXXX. However, upon logging into my account, I noticed that someone else 's credit card, ending in XXXX, was showing up. This is a major cause for concern as it poses a serious breach of privacy, and it prevents me from using my card as intended. What's more, when the mysterious XXXX card is " charged '' by XXXX, it ends up charging a completely separate account. This only adds to my frustrations and confusion over the matter. While I understand issues can arise with banking and credit card accounts, something of this nature should not be acceptable as a resolution seems nearly impossible to obtain. I have spoken to Synchrony Bank 's customer service team multiple times, but each time, I have been told that this is not an issue on their end, and they lack the knowledge on how to fix it. As a consumer, this is absolutely unacceptable to me. I am urging Synchrony Bank to thoroughly investigate this issue and take immediate action to restore functionality to my account by showing me the correct credit card information. I would appreciate it if you could also investigate this matter and offer your assistance in working towards a resolution. This is a matter of great concern for me, and I firmly believe that it requires immediate attention. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I was told I was applying for a medi-cal contract to pay for dental work. When I was under sedation, in the dentists chair I was told to sign forms for the medi-cal programs and instead they had me signing up for a loan I can't afford and all the work was covered by medi-cal at no cost to me. Why would I need a loan at almost 30 % interest and 30 years to pay off. I'm a XXXX veteran, XXXX XXXX XXXX and can not possibly afford such a loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This Store has fraudulently made a hard inquiry without my consent I did not open any account. I called them to remove it and they agreed and now I see another one on a different date from same store. First one was XX/XX/XXXX and second XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm trying to find out what I need to do I have been kicked out of my apartment and I'm living one the streets because I can't seem to figure out what I need to do to gain access to this account I've been fighting with my accounts and having trouble for months already and can't seem to get help anywhere I have lost all of my stuff because I don't have any family willing to help me I just want to know what is going on so I can see what my opinions are my son is having to stay with he's friend because I don't have anywhere to go I've been on the streets walking around with no car trying and hoping and praying I can't get help anywhere but I keep getting no where and nothing seems to be going through for me I don't live in the best part of town and I'm afraid I may not be able to make back to my son the longer I have to be out here two times already I've by the grace of XXXX have gotten away from some bad people trying to take me and I afraid next time I just may not be so lucky please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This concerns my PayPal Credit Account XXXX Synchrony Bank ). I request each month that a portion of my payment be allocated to retire Promotional, Special Financing Purchases. I usually complete this easily via PayPal Credit 's chat function. This month ( XX/XX/2023 ), I chatted on XX/XX/XXXX with instructions regarding how to apply the payment, as I have done for months. I always review this chat call within 2 days of completion to confirm correct allocation of my payment to the corrrect Promotional Purchases. On XX/XX/XXXX I engaged in a new chat on the PayPal Credit site b/c my payment instructions from the XX/XX/XXXX chat were not followed correctly. In the XX/XX/XXXX chat I pointed out the error and the agent stated it would be corrected pursuant to my instructions. In each chat session, I finish with a recap to confirm the instructions are followed. The agent confirmed understanding of my instructions on XX/XX/XXXX. On or around XX/XX/XXXX or XXXX, I confirmed that the payment had been misallocated again. I called PayPal Credit directly at this juncture to correct the errors again. After reviewing my account online on XX/XX/XXXX, I confirmed that the misallocation still existed and further, PayPal Credit actually increased the balance of one of my Promotional Purchases by {$100.00} in its error-filled misallocation of my payment. On XX/XX/XXXX I called again to address the issue. The manager I spoke with stated he could not correct the current allocation ( b/c we had passed into a new billing cycle ) and would put in a request to " review. '' This situation will now cause me to incur over {$120.00} of deferred and accrued interest on the Promotional Purchase that expires in XX/XX/2023. This is a constant problem with PayPal Credit ( Synchrony Bank ) and is now causing me direct financial harm. Due to antiquated legacy systems, Synchrony is not able to correct my account for XXXX to 60 days, and provided no assurances I would not incur the deferred/accrued interest charges, due directly to their errors. No admission of the errors or misallocation were offered and no apology. I am asserting direct financial harm in the range of hundreds of dollars as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: On XX/XX/ I paid PayPal for the balance of {$39.00} I had on my account. The payment was accepted and confirmed with an confirmation message. However, that payment did not go through and denied by PayPal. After checking it today, on XX/XX/XXXX, PayPal added an additional late fee. I have reasons to believe that PayPal is trying to deny the payment to take additional late fees. I had requested PayPal to respond to my inquiries and waive the most recent late fee applied after PayPal didnt give a reason for denying my payment on 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: 94134
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: 2023-04-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony bank lowered my credit limit for my XXXXXXXX XXXX XXXX card. I believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Unethical business practice. Unethical company. I had a few cards issues by Synchrony bank, the most recent just in XX/XX/2023. They are now closing all my cards with them, and the letter cited " not paying down my mortgage enough ''. My mortgage is current, every payment not only on time, but EACH payment included extra principle payment. I paid it down more than was scheduled, but this is the reason they gave for closing my cards. I can not pay them off on line now, but must call to make these payments so I don't default on them. Now they've harmed my credit rating, even though I was current with them. They damaged my credit and adversely affected my entire life, even though I WAS CURRENT WITH THEM. I hadn't defaulted on any of these cards, they were all current, but they closed them out and I don't have a valid reason for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A