Date Received: 2024-01-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was making a payment on my XXXX XXXX on XX/XX/XXXX and accidentally selected the wrong method paid as my bank account and other credit card are saved in the same list of payment methods. I was unaware that I made this error. Later on I seen that a payment was rejected. I then realized what had happened but didn't think anything about it due to me paying my balance daily and it being caught up. On XX/XX/XXXX I get on my synchrony account page to see that the account was closed. I reached out to see why and that's when they told me the problem. They gave me no warning and no chance to reopen my account. This account is very important to me due to it being the way I pay my phone bill and all my groceries and gas. I have a great credit history and no late payments for years. This was not intentional. The customer service would not work with me and treated me like trash. I'm hoping something can be done about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
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 was asked to sign an application for CARE CREDIT without any verbal explanation from the credit card company or the doctor 's office. I was not given advanced knowledge or details of this debt until after the services began. I was never contacted by CARE CREDIT about my ability to take on this debt. After 30 days I was told that they had closed my previous claim without ever trying to contact me in person. I feel like this is a case of fraud against an elderly person and I wish to continue my complaint against them. I will try to hire an attorney to seek their help. This case is not CLOSED in my mind. The office person who signed me up with CARE CREDIT no longer works in their office and I am not able to reach him. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
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, I purchased a XXXX XXXX and accessories from XXXX. The accessories were received, but the XXXX XXXX was never received. I followed up with customer service at XXXX who claimed to make a request to the warehouse. The response after several days was " Sorry for the delivery delay of your order, we will check this issue with our relevant colleague and get back to you as soon as possible. '' On XX/XX/XXXX I reached out to PayPal Credit ( Synchrony Bank ) to dispute the charge for the XXXX XXXX of {$130.00}. I followed their procedures to file a complaint. Upon receiving my documentation, the charge was initially removed upon further investigation. On XX/XX/XXXX I received a message from PayPay Credit stating, " We located the sales receipt ( s ) in question and/or received additional documentation from the merchant indicating the charge ( s ) in question is valid. After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit. Please refer to your next billing statement for your balance and payment due date. '' I never disputed that the charges were unauthorized, my complaint was that the item was never delivered. On XX/XX/XXXX I followed up with PayPal Credit stating that I never disputed the legitimacy of the charges and again stated that the XXXX XXXX was never delivered. On XX/XX/XXXX they responded with the following : " We have completed our review of your dispute claim on your PayPal Credit account. We have received documentation from the merchant regarding the disputed transaction ( s ). The documentation is enclosed for your review. Based on this information, credit will not be issued at this time for the following reason ( s ) : Our records indicate that the service or merchandise was received by you and delivery was confirmed. '' While the accessories were delivered, the XXXX XXXX was never delivered and even in their evidence of delivery, the tracking status is " IN_TRANSIT ''. If you use the tracking number to check with XXXX it indicates a similar status- upon further review it appears that the item never even got to XXXX. Compared to other credit card companies, I've never experienced such a convoluted and arcane process for resolving a dispute. XXXX XXXX, XXXX and XXXX have resolved similar situations in minutes with a simple phone call. I seems like an enormous waste of time for the company and the customer for a relatively small charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I requested the statements to review their complicated online monthly statements which I have tried to report repeatedly since the unauthorized charges began to show up. Each time I reported vis phone calls and online, I received no help. I have tried since XXXX, XXXX to get help from This PayPal credit card, but the chrages continue to show up and the total is now at least {$710.00}. I want these charges removed and all the erroneous late fees incurred also removed. I stopped using this card in XXXX and yet the unauthorized charges continue. This companys customer support is close to non-existent. I have tried and tried and tried, including sending mail to request help, but mail gets returned stating wrong address. I recently, XXXX XXXX, mailed my request for help to resolve these charges to their corporate headquarters in XXXX XXXX, California. I doubt anyone there will respond. I am frustrated by their total lack of assistance and their purposely complicated dispute process. I am tired of trying to get help from XXXX and never will use their services again. I cut up the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 813XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states i have rights to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. The response they sent back STILL violates these codes listed above please read 15 USC 1666B. Please REMOVE ALL LATE PAYMENTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX/ ACCOUNT Original creditor : SYNCHRONY BANK Balance : {$1100.00} Balance updated : XX/XX/year> OPENED : XX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
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: I have a mastercard from JCPenney issued by Synchrony Bank. I traveled overseas back on XX/XX/2023. I was robbed and immediately reported my card to them letting them know it was stolen. This was on XX/XX/2023. The next day 2 big charges were done in my account. I called them so many times and they just give me the run around between customer service and the fraud department. They never removed the fraudulent charges. They have only replace my card like 2 times. On XX/XX/2023, 2 big charges were made of {$2600.00} same amount plus international fees of {$78.00} also 2 times. Thanks in advance for any help or advice XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77061
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX at about XXXX hours, I contacted the Synchrony Banks Customer Service Department. I explained my situation to the representative who transferred me to the Application Department. I spoke to a representative by the name of XXXX. Who transferred me to a specialist XXXX and then to another representative named XXXX. XXXX explained to me that they use XXXX as XXXX of their qualifying factor for credit approvals and suggested I seek out my credit report and file a dispute for Mervyns entry. I could not remember if our conversation included the letter that I have mentioned to several Synchrony representatives with a brief or verbatim statement written to me from Synchrony stating the reason for the denial. With this information, I later obtained my credit reports from XXXX, XXXX, and XXXX. The XXXX report on page XXXX indicates no derogatory remarks. In the XXXX report, there were no entries for Mervyn 's card. This report indicates numerous Synchrony credit cards with the entry stating exceptional payment history. The XXXX report has no report of Mervyn 's account documented within. This entire ordeal took approximately XXXX hours to contact the above companies to seek out the reason for my denial. ( Credit reports for the above-mentioned companies can be uploaded upon request if needed. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93905
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. XX/XX/XXXX Sent method of verification, still no response. XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/year> I went for a XXXX appointment. At the dental office I discussed some financing options with one of the Employees through their affiliate Synchrony Care Credit. I ended up not taking their financing option and made the decision to pay for my XXXX XXXX out of pocket with my own money. Days later I received notifications about a new account and inquiries on my report. I can assure you that I have not used their financing. The company will verify it as well. Maybe there was a misunderstanding with the communication on the companys end, but this account was not authorized by me. I need it removed from my report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A