Date Received: 2023-03-23
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 made a purchase on Walmart website for XXXX product sometimes in XX/XX/2023 after I got the product and refund the next day in XXXX. I filed the disputed around XX/XX/2023 and got email from Walmart and XXXX for refund since XX/XX/2023. I got the charged post back to my account in XX/XX/2023. I reached to XXXX XXXX Walmart. They have already told me that they have refunded the payment to credit card company. I need Paypal to refund and issue the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a high yield savings account with Synchrony Bank on XXXX XX/XX/XXXX, I deposited XXXX , on XX/XX/XXXX, I deposited an XXXX , and on XX/XX/XXXX, I deposited an additional XXXX . Th deposits totaled at XXXX $ and all deposits came from my XXXX XXXX XXXXXXXX Checking Account. On XX/XX/XXXX, I received an email from Synchrony Bank informing me that my access to the funds transfer service had been suspended. I called called Synchrony Bank and was informed by a customer service representative that my account was under review and that they could not tell me why. I attempted to log into my account, but I could not. I called Synchrony Bank multiple times over the next few months and each time I was told either that my account was under review or restricted and that they could not tell me why. I called Synchrony Bank on XX/XX/XXXX, requesting to have my savings account closed and the funds returned to my XXXX XXXX XXXX Checking Account. On this call, I was informed that my account had been closed on XX/XX/XXXX. I have not received any funds from Synchrony Bank at this time. Synchrony Bank claims that the funds ( XXXX $ ) were returned when my account was closed and that they are on hold with XXXX. After hearing this, I called XXXX on XX/XX/XXXX, and they claim that they have not received any transfers from Synchrony Bank and that they do not have a hold placed on any transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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 requested a balance transfer from my PayPal credit to my XXXX bank credit card. During the process I realized the PayPal credit account number was incorrect so I notified XXXX bank to let them know, and they said no worries they will open an investigation and since the account number is incorrect, PayPal credit will reject the payment, however in the meantime, the payment was received, and the PayPal credit account got paid on XX/XX/2022. When I realized the account was paid, I called XXXX back and they said oh OK well PayPal reply the accounts paid but since there was already investigation open, XXXX said it had to go through the process. That was in XXXX I thought everything was fine. Well on XX/XX/XXXX I noticed there was a charge to my PayPal credit account for {$440.00} and also that they issued me a refund of XXXX XXXX by check., I called and I really couldnt get a straight answer but ultimately, they said they were going to cancel the check and just credit my account back. I waited and I waited. Nothing happened. The credit never went back to my account so I called numerous times was transferred to numerous different account managers and was told that the check was cashed and I of course said I never received a check I didnt cash a check and I was told that check was stopped And the credit was supposed to go back to my account. It took one of them a little extra time to investigate. They were able to pull an image of the check and confirmed with me. The check attached to my account was not payable to me and not cash by me and they were just have to open a case and send it to their back office, treasury department, which there is no phone number for. Still no resolution on that. Been calling for over two months. Keep getting the runaround well in the meantime, two days ago I looked at my account and noticed there was another amount charged to my account for over XXXX and some odd dollars and another transaction listed that they sent me a refund check in that amount, so now my account balance which should be XXXX is showing {$890.00} and some cents its on my credit report. I got an alert yesterday that it could be a negative affect on my credit report because its up to the max. The credit limit is only {$900.00}.. I am getting no help from Paypal Credit. I get transferred around to people that call themselves account managers and everybody says theyre going to open a case up. In the meantime I have an {$890.00} balance on PayPal credit that I do not owe and this has been for over two months that they have been giving me the runaround and not doing what theyre supposed to do, I dont owe them any money. This is very bad business a half of their customer service. People wont help you transfer you to people that cant help you. Ive gotten a few people that I thought were going to help me, but nothing is getting resolved and in the meantime, my anxiety and stress level is through the roof. My credit report is suffering because it looks like I owe them all that money and theyre creating more problems with this last Transaction they havent remedied the original dispute. I had with them for the {$440.00}. I have never received any refund checks from them. I dont understand why they would send me a refund check, but still charge my account for the amount of the check This is the most horrible experience Ive ever dealt with. I have spent hours on the phone for the last two months. Its a waste of time nothing is getting done. Most of their attitudes are oh well you need to just wait and be patient my patience is running thin and its causing a lot of problems in my life, Im hoping somebody can help me or at least put this out there to show how scandalous PayPal credit is operating when it comes to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Apparently a charge was made on this care credit account that I never used in the total amount of {$9200.00} on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-03-23
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 lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: XXXX XXXX has been double charging their collections two times in the last three months for example a check was sent in XXXX XXXX and XXXX and of those 3 months, twice in XXXX and XXXX an unauthorized auto pay was taken from a different account. Ive spoken twice to three account representative at three times who said nobody can help you its the weekend, another time theyre unable to access their system because the auto pay was grayed out and the third who said I have to call chase bank to stop their auto pay. During the same conversation he says he would be happy to stop auto pay and then says hes unable to stop auto pay telling me me I have to call my bank XXXX. So I call XXXX who I tell this to and they tell to call Synchronicity bank to stop the auto pay, which I inform the XXXX bank rep the XXXX XXXX rep tells me the opposite now your telling me the opposite. While a paper check payment shows posted on the statements on both banks paper, they have me going back and forth them adding potential fees for returned payments, insufficient funds and stop payments on systems of double payments that are becoming cyclical that theyre unable to put an end to without owing them more than if this clitch in theire systems began and Ive tried with four phone calls total to both XXXX and XXXX bank combined with apparently no business ethics that I would remotely want to recommend to others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
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: 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: Back in XXXX I was in need of a graphics card but every I looked they were either too expensive due to scalpers or sold out. After hours of searching I stumbled across a website called XXXX and they had what I was looking for at a price point that was too good to be true. The lowest you could find it for was about {$2000.00} but they were selling it for {$1400.00}. I got extremely excited and made the purchase through PayPal. Then minutes after doing some research I read reviews stating that this website is a scam. I tried calling the number provided but the number was fraudulent, I even tried emailing the company but received an email stating that the email provided was not real, there was even an address on the website and after searching the address it comes up as an abandoned building it appears. This person has even provided PayPal with a fraudulent tracking number. And when you thoroughly look at the tracking number you can some discrepancies. And when I mad the purchase I was also not charged for taxes or shipping which I find weird. Ive contacted PayPal numerous times and they have not done a thorough investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Unbelievably difficult to get claim paid for a CD that I am the beneficiary for... My mother died on XX/XX/XXXX at age XXXX. She had money in 5 banks and I dealt with all of them and they each had their own nuances but Synchrony bank stands out. When I contacted them they said that first thing was to submit a copy of the Death Certificate, USPS. Only one of the 5 banks that would not allow email. They said to call in 7-10 business days after putting the DC in the mail, that they would not contact me. When I asked if there was a way to get it faster, they said that I could have it sent to a separate address if there was tracking. I sent it tracked and called the day after it was delivered and they said that it takes days to get it logged in. ( BTW wait times were typically around 45 minutes when I called. ). I finally sent it again requiring a signature. Couldn't find it again even though there was a signature for the delivery. Finally I complained and they mentioned that I couldn't email, but could fax. I got a fax account online and started faxing. Faxes were not lost and typically logged within 2-3 business days. Their SOP is to USPS mail the forms we needed to have notarized and filled out, but once they had the death certificate they DID tell me which forms we needed and where to find them online. Things were going better with faxing now. Still long wait times on the phone. Still days after faxing to get it into the system, but finally they said it looked okay and was in review, but could not even estimate how long it would take. I called yesterday after about two weeks and they said it had been reviewed and next step was to USPS mail my check, but again no expectations of when that would be. I said it needed to be tracked and they said that if it was over $ 100K that it would be XXXX. That was yesterday. I logged into Mother 's account this morning and saw that they account was closed yesterday and a check had been issued ( over $ 250K ). I called again and this time they said that it was sent regular mail, no tracking. And note that they didn't even inform me that the check was mailed. I had to ask. So now if I don't see the check by XX/XX/XXXX I can call back and they will send me another form to fill out for lost check. Still no email. They might send the replacement check XXXX. I will say that all of the CS agents were pleasant, not very knowledgeable, but courteous. It's the system that's so unbelievable broken. I have the checks from all the other banks and have had for some time. I don't know if Synchrony Bank doesn't focus on this aspect of their business or are trying to hold on to the money as long as they can. I will NEVER do business with Synchrony Bank again. They were fine when Mother was alive, but this is a nighmare. I have yet to be contacted by them, even to tell me the check is in the mail. I want this complaint to reach someone who can review the process. It's hard enough when a family member dies to begin with, without having to deal with this sort of insane proces
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Approximately a year and a half I've been fighting creditors over ( 8 ) unauthorized inquiries on my consumer disclosure. I spoke to the fraud department to each creditor, they assured me within 90 days these inquiries will be removed. However, they still remain on my file. These creditors did not have my consent to pull my credit file and lower my credit score at the same time. They had no permissible purpose, they illegally violated my consumer rights. I spoke to each Credit Bureau as well as their creditors and I basically am not getting anywhere with either one of them they are not cooperative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX credit bureau shows account opened with synchrony bank/Sams club on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with XXXX and their final results show as accurate. Ive contacted Synchrony bank directly and provided my personal information to them but they have no record of me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX : I did XXXX XXXX XXXX, the total fee is {$5700.00}, and the clinic set up installment payment with a monthly payment of {$230.00} using Synchrony Care Credit Card and pay the total within 2 years. XX/XX/XXXX : I Received a huge amount of interest charge on the credit card, saying that I have not paid in full within two years and therefore demanded a huge interest fee of {$3300.00} I checked the reason why I didn't finish the payment : 1. The credit card company changed my monthly payment into a minimum monthly payment of about {$130.00} without my authorization. 2. They added me to the card security plan without authorization. I did not agree on all of the changes and the company did not notice me at all! XX/XX/XXXX : I called them more than 10 times to ask why my monthly payment was changed and they charged me card security fee every month, with a total amount of {$2000.00}. They claimed it's a promotion, but what kind of promotion is this! I did not say yes to this neither did they notify me. This a scam and a fraud! XX/XX/XXXX : After arguing with them, they promised they will refund the entire card security fee, but they only refunded {$900.00}, not {$2000.00}. They still owe me {$1100.00}! XX/XX/XXXX : The credit card department told me that my due date is XXXX. If I can pay off the remaining money before then, all the interest ( the {$3300.00} they charged me ) will be refunded, but I told her that my remaining includes card security plan {$1100.00}. Credit card department suggested that I have to wait for the card security department to refund me before paying the remaining balance. XX/XX/XXXX : The card security department promised me to refund the money but still didnt refund it. As a result, I still couldnt pay off my credit card fee. They promised me that their supervisor would call me in one day. However, neither my husband nor I have received a message so far. I have returned to my own country on XX/XX/XXXX and told them please contact my husband, but there is still no updates. In conclusion, I should only need to pay {$1800.00} to credit card department, because from XXXX to now, according to my payment record from XXXX XXXX I've already paid {$3800.00} ( Total surgery fee is {$5700.00} ). I should receive {$1100.00} refund from the Card security department first and then, I can pay {$1800.00} to credit card department, as the credit card department promised, they can help me waive all interest if I can pay off by my due date XXXX. However, I haven't received the {$1100.00} refund of card security fee, and I don't know what to do if they lied again. They also threatened me that if I failed to pay in full on due date XXXX, they will charge more fees. I'm very scared and very sad. I am not in the US now and will be back on XXXX. I already info them to contact my husband but we still didn't receive any information and we are really scared if we will be charged more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93117
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A