Date Received: 2023-03-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I constantly get snail mail saying someone opened up a PayPal account in my name. I get it maybe once a year. This was the first time I got a charge for a credit card opened up through I guess PayPal credit. Its with PayPal/synchrony bank , both of which I do NOT have an account with. I called the number on the mail, but Im afraid to give any information because I dont know if its a phishing number. Anyway, Ive been ripping the bill up for the last 2 months, but the charge made it into my credit report, so now Im trying to get it wiped. SYNCHRONY BANK ( if it was them that I talked to ) said the card was opened up in my name last year, and there werent any purchases. They just sent money to a location I guess The charge was XXXX now it something like XXXX because of late charges added on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: PayPal Credit double charged my auto-pay of {$300.00} in XXXX, first as scheduled on XX/XX/XXXX, and then once again on XX/XX/XXXX, even though I only had {$91.00} left on my credit line after the authorized payment. When I called to correct this, they said they would fix it and I would not be charged any fees. Later, I found out that PayPal Credit decided to reject the original auto-pay that was on time, and accept the duplicate charge on the XXXX that would have been late ( had they not already been holding my {$300.00} ). They tried to apply a late charge of {$29.00}, even though their duplicate transaction left them holding {$200.00} of OVERPAYMENT above my remaining balance for more than a week. When I called and complained, they waived their late fee. But that is not the end of the story Because my PayPal account is no longer working due to the issues with the duplicate payment, I asked on the same call to simply pay off my remaining balance of {$91.00} with a debit card to zero out my account. I asked if there would be a fee associated with the debit card payment. The customer service associate said no there would not be. I just received a statement today that claims my balance is now {$10.00}. PayPal Credit applied a pay by phone fee that was not disclosed anywhere I could find, and certainly was not mentioned on the call. At this point, I assume that theyre bent on extracting some sort of fee from me, and am tired of spending time on the phone with them trying to resolve these issues that are entirely of their making.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I am a consistent shopper on Amazon.com. On XX/XX/XXXX, I was prequalified for an Amazon store card. XXXX, I applied for the credit. Synchrony Bank, then refused to approved me, although my credit meets the requirements for approval, because they then, required me to use a link and upload my identification card and a video of myself. I refused because this is very dangerous and unsecured. This is an invation of my privacy! No other Bank requires this! Everything I put in the credit application was valid and accurate to my credit file. Then Syncrony Bank required me to fill out an affidavit on identity & have it notarized by a bank or credit union and fax it to them. I did. When I called them to follow, they refused to approve me because they claimed it would take XXXX business days to review my fax. This is not legal and must be stopped. My application needs to be approved immediately. It's been 2 days. This is a form of punishment because I refused to allow them to invade my privacy. Synchrony, usually have overstepped your boundaries. No company that furnishes information to my credit report has ever been required to provide my identification card nor any videos of me to prove my identity. Therefore, neither should I, the consumer be required to do so. Credit approval is not based on whether or not you upload your identification & a video of yourself. I did not request, nor do I need any protection, when I accurately provided all information, required to obtain the store card. Synchrony Bank, I do not want my likeness saved in your databases. This is not secure nor required for credit. Synchrony Bank, I demand that you approved my Amazon Store card or fact legal action. You have XXXX calendar days to comply. By the way, according the Federal Consumer Laws, to be factual, I'm extending you credit. Warm Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payments thats shouldnt be on my consumer report according to 15 U.S. Code 1681a illegal to report late payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I purchased a sofa, loveseat and recliner from Ashley Home Store. Due to our height and age, we meticulously searched for the most comfortable set and finally decided on on group. Since Ashley only has display furniture, our furniture had to be ordered and wasn't delivered until XX/XX/XXXX. On XX/XX/XXXX, my husband visited the store and talked with the sales representative, explaining how hard and uncomfortable the furniture was to sit on, and actually invited the sales representative to visit our home to see for himself. Of course, he declined and said we would need to contact Customer Care which I did on XX/XX/XXXX, through a chat session and was given Ticket # XXXX was issued. On XX/XX/XXXX, after hearing no response, I again contacted Customer Care and was advised to take pictures and email them as they wanted to be certain there was no damage to the furniture. The furniture still has the tags on as no one wants to sit on the furniture. In fact, we have turned the furniture around so the seats are facing the walls and thus no one will sit on them. The furniture is still in the original condition with the tags, but it is not the same quality and comfort as the display in the store. On XX/XX/XXXX, the pictures were emailed to XXXX as requested. On XX/XX/XXXX, after hearing nothing further, I again contacted Customer Care and spoke with XXXX who said the seat cushions were to be replaced, but I asked about the back of the cushions also as they are just as bad. He said he would need to check further and get back to me. On XX/XX/XXXX, after hearing nothing, I again attempted to call XXXX, but was advised he was on the line with another customer and would call me after the current call. No reponse, so I attempted to contact XXXX again. After multiple attempts, Ashley Furniture continued to ignore and honor our Sales Contract. I then contacted Synchrony regarding the Breach of Contract, and they opened a dispute. Later, I was advised by Synchrony that Ashley Furniture said I had never filed a complaint, so a second dispute was initiated. Then I was told there was no longer a warranty on the furniture, yet I had purchased an extended warranty. A third dispute was filed and subsequently denied. After numerous letters to multiple officials, Ashley Furniture finally agreed to pickup the furniture and promised a full refund. Hopefully, they will now honor their comments and a full refund will be issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone, not me, opened a credit card in my name on Paypal. I received a letter from Paypal dated XX/XX/2023. I received the letter via United States Postal Service mail. I immediately sent an email to this email address provided on the Paypal website : XXXX I have yet to hear back from Paypal. I checked my credit report today and found that there was a Mastercard opened through Paypal in my name. The account was opened on XX/XX/2023. I have locked my credit account through XXXX XXXX XXXX XXXX. I am going to file a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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 used my Lowes Advantage Card to purchase Refrigerator # 1. This Refrigerator was damaged upon delivery and had to be returned. On XX/XX/XXXX, Lowes processed the Return ( XXXX ) for Refrigerator # 1. On XX/XX/XXXX, I purchased Refrigerator # 2. On XX/XX/XXXX, Refrigerator # 2 had to be serviced due to issues with the Icemaker. The Technician unable to repair Refrigerator # 2. Technician advised Lowes that Refrigerator # 2 needed to be Returned. On XX/XX/XXXX, Lowes did not Return Refrigerator # 2. On XX/XX/XXXX, I purchased Refrigerator # 3. Lowes billed the credit card as though Refrigerator # 3 was a separate transaction. Refrigerator # 3 was delivered before Refrigerator # 2 was returned. On XX/XX/XXXX, I received a late notice. I spoke with Lowes who said the account was past due as of XX/XX/XXXX. I asked how the account was past due since I purchased Refrigerator # 3 on XX/XX/XXXX? Lowes said that the account was past due for Refrigerator # 2. I asked how can the account be past due for a refrigerator that was returned? I no longer have Refrigerator # 2, so how can Lowes continue to bill me for Refrigerator # 2? Lowes noted the discrepancy, waived the late fee and escalated the matter for investigation. On XX/XX/XXXX, to protect the account, I made a {$100.00} payment for Refrigerator # 2. Note : A total of {$1200.00} had been paid towards the account. The 12 month promotional period began in XX/XX/XXXX. On XX/XX/XXXX, I visited Lowes XXXX, SC to inquire about the matter. I requested a refund of the money that had been paid to the account for Refrigerator # 2. I later discovered that the Manager refunded {$1600.00} to a Lowes In Store Merchandise Gift Card. I went back to the store and asked that Lowes refund the money that had been paid to the account for Refrigerator # 2 ( {$1200.00} ). I was told that I would receive a refund via check. However, in XX/XX/XXXX, I discovered that the money on the in store gift card ( {$1600.00} ) had been applied to the account for Refrigerator # 3. Lowes continued to show two refrigerators on the account. Refrigerator # 2 and Refrigerator # 3 are two SEPARATE TRANSACTIONS but Lowes/Synchrony Bank has and continues to bill these two transactions as a single transaction. Both transactions were created on two separate dates : Refrigerator # 2 XX/XX/XXXX and Refrigerator # 3 XX/XX/XXXX. Lowes failed to properly Return Refrigerator # 2, which resulted in the account showing two separate transactions/refrigerators. Lowes/Synchrony Bank applied the ( {$1200.00} ) to Refrigerator # 3 to ensure that Lowes/Synchrony Bank got their money . Apparently, both Lowes/ Synchrony Bank have reasoned that it was more beneficial for them from a business standpoint to apply the {$1200.00} toward the account for Refrigerator # 3 than to refund the money to the customer. As the adage goes, A bird in the hand, is better than two in the bush. I have been going back and forth with Lowes and Synchrony Bank since XX/XX/XXXX. On XX/XX/XXXX, I spoke with a Synchrony Bank Manager about this matter, who agreed to refund the {$1200.00} paid toward Refrigerator # 2. She confirmed my address and said that I would receive the refund soon. However, a few days later, I received the Letter dated XX/XX/XXXX, advising that Lowes determined that a refund is not due at this time. The Manager noted that I had previously requested a refund of the money paid towards Refrigerator # 2. I dont know what information Lowes used to make its determination. My credit report continues to show different balances. This discrepancy continues to affect my credit score. I have filed two disputes with credit reporting agencies. Both Lowes/Synchrony Bank continue to violate the UCC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY. 15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a CC with PayPal Credit. My limit was XXXX. I adjusted the limit to XXXX, so once I paid off the balance of around {$3000.00}, I would close it. I noticed that I was being charged interest on purchases that were returned, racking up hundreds of dollars in unnecessary interest and not receiving full refunds for my returns. I have tried to have this issue fixed since XXXX and I keep being told that it will be fixed next billing cycle, and it has not. So, I don't know my true balance and they keep charging interest on returns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been attempting to close out my IRA account with Synchrony Bank since XX/XX/XXXX. I have been given conflicting information with regard to the distribution form required by the bank, whether it requires a guaranteed signature or none at all. I have submitted corrected forms XXXX times, the latest by USPS mail on XX/XX/XXXX. To date, I have not received any acknowledgement except to inform me that the CD is now renewed, and the new maturity date is XX/XX/XXXX. With regard to signatures. I was told ( XXXX ) just to leave it blank, ( XXXX ) get a guaranteed signature, and, ( XXXX ) just get a signature witnessed by a notary. I am uneasy about the way this bank is being run, since I have several other accounts with them, for an amount of over {$600000.00}. They give the impression that they are trying to run out the clock, though I have no corroborating evidence to that effect, only the recent bank failures that have been well publicized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A