Date Received: 2023-03-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have contacted Paypal Credit multiple times regarding my current line of credit with them. I have informed them that I am XXXX XXXX military and requested the interest rate reduction from the standard 24 % to a maximum of 6 %, as per the SCRA. Each time I have verified my address and have waited for the requested forms to come in the mail and nothing has arrived. I submitted my written complaint to the company stating this continued issue and that I will submit a complaint to CFPB if it is not resolved soon. I was told that the issue has been sent to cooperate offices and I will receive a written response within 7-14 days. That time has passed with nothing received either physically or digitally, I have spent months trying and being patient with the company but am getting nowhere. I have attempted to contact their head bank Synchrony but it always directs me back to Paypal Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
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: XX/XX/2021 there was an unrecognized charge on PayPal synchrony credit. Immediately I called as this was fraud. I also called the company. I also reported identity theft to the police at a report was made case number given over the past 18 months PayPal credit has been telling me this has been resolved that Ill get a bill the next month where its not resolved, and Ive been charged interest. I get calls constantly about this and then they tell me that it has been resolved that I get another bill for 18 months. This is been going on and it caused me severe stress as well as hours and hours on the phone. PayPal credit are harassing me. Severely where Ive had to seek help please make them stop. It is clear I did not make the charge its resolved, and then the same thing comes up again and again. When I was billed for the interest that accrued on this fraudulent charge, I made sure that it wasnt just showing this because it was under investigation. Every PayPal credit agent states that this has been resolved, Synchrony, some agents state that yes, it was resolve some say no. They are driving me crazy to tears. Ive had to seek counseling over this. And when youre asking about someone spouse there is not an option there to say that you are now widowed. But I do know this that no company should be allowed to do this to a person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synochrony of Sam 's Club Credit has closed my credit card claiming that I had two NSF payments within a 12 month calendar year on XX/XX/2023 for {$40.00} and XX/XX/2023 for {$40.00} from my XXXX XXXX XXXX account. However, my XXXX XXXX XXXX has no record of these NSF transactions and they are not reflecting on my XXXX XXXX statement. My Sam 's Club Credit card is not delinquent an any way. I have submitted to Synochrony my XXXX XXXX XXXX statements for XXXX & XXXXXXXX XXXX and they refuse to accept them as proof that these transactions do not exist and that sufficient funds were in the account on or around the supposed payment transactions. Synochrony wants XXXXXXXX XXXX XXXX to write a letter claiming error. XXXX XXXX XXXX refuses to write a letter and instead demands that I send Synochrony my bank statements. This is unfair to me as a consumer caught in the middle of such nonsense. I am not delinquent nor have I ever been late or delinquent with this Synochrony Sam 's Club Credit card account. They are ruining my credit score by Merchant closing my account. I demand they reactivate it. This policy is unfair and burdensome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I use to have an account with care credit and it was closed due to non activity. I just recently re-applied for an emergency and I got pre approved for {$2000.00} I had to use this website link to verify my identify and it had me take a picture of my barcode. I dont have the best camera In the world and I dont know why they have such a horrible system in place but I wasnt able to get the barcode to read with the system and they denied my application because of that. I wasnt provided an alternative method of verifying. So the letter is lying. I wasnt giving any information on how to move forward and this is annoying and a silly process because what if a person doesnt have a cell phone? What if a person doesnt have a camera. There should be other ways to verify someone besides the method I was given. I need this application to go through and this is important to get an understanding of how to move forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/23, my wife and I made a purchase to Ashley Homestore in the amount of {$4300.00} and chose to finance through the Ashley - Synchrony Credit Card which the sales representative XXXX XXXX stated would provide a term of 60 months at a 0 % interest rate during that term with minimum required payments. The provided documents during purchase and financing indicated " fixed APR '' to which we protested and asked XXXX if the document was correct and he stated " Yes, this is just the general form we use for financing '' and told me if I had any concerns after the purchase to just call he store. After the first statement was received on XX/XX/23 it indicated an interest charge of {$33.00} and reflected an interest rate of 9.99 % " Until Paid Off ''. On XX/XX/23 I attempted to contact Synchrony Bank via online chat to inquire if I was receiving interest and why this was occurring and was directed to call the merchant directly. On XX/XX/23 at XXXX XXXX I contacted Ashley Homestore and spoke with XXXX as to how to proceed and inquire why I was receiving interest. XXXX stated she would speak with her sales manager and would contact me later that date. No call was received on that date. On XX/XX/23 at XXXX XXXX Ashley Homestore was contacted again to no answer while being on hold for 9 minutes before the call ended. On XX/XX/23 at XXXX XXXX Ashley Homestore was contacted again to no answer while being on hold for 14 minutes before the call ended. On XX/XX/23 at XXXX XXXX Ashley Homestore was contacted again to no answer while being on hole for 8 minutes before the call ended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My issue isnt with a specific store credit card but it seemed to fit your categories best. This is a medical payment card to be used for medical expenses. Synchrony Care Credit Rewards Mastercard. I find their actions rather devious. They have promotional offers to charge your medical expenses and pay for them within a time period with no interest. You can also charge non promotional medical expenses. However, their billing statements do not reflect the difference between promotional and non-promotional and you can not apply your payment to non-promotional. This way you end up paying interest. Sneaky in my opinion. I am not sure how the money is applied but I certainly want to pay the non-promotional charge first to avoid interest fees. I called them and was able to apply a payment to the nonpromotional balance but was told the statements or online payments are not set up to do this. I have to can each time to do this. Buyer Beware!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchrony bank- XX/XX/2023 {$5.00} XXXX {$5.00}. I attempted to call company and then was hung up on about this on my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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 contacted Synchrony to place a dispute for a charge on my Amazon Store card issued by Synchrony because I had received a counterfeit item, not the item I ordered as advertised on Amazon. The total charge was for {$110.00}. Specifically, I ordered a headset advertised as XXXX XXXX XXXX. XXXX was also mentioned in the ad. XXXX XXXX XXXX are trademarks of XXXX, XXXX is an XXXX headset model. The headset I received was a cheap counterfeit. Nowhere on the box did it say XXXX, XXXX or XXXX. What the box did say was " XXXX line design of advanced XXXX. '' Inside the box was a cheap counterfeit headset and a note saying that if I left them ( the seller ) a good review on Amazon, I could have the headset for free. All I had to do was send them a copy of the review! I contacted Amazon about the counterfeit sale several times. The seller was removed from Amazon, but I see he is selling the same item now under a different seller name. Amazon said they would issue a refund to me, and that I didn't need to return the item, as the seller was requesting I pay to return it. But Amazon never did actually issue a refund. So I decided to resolve the credit card company, Synchrony because it's my understanding credit card purchases are protected from fraud. Synchrony denied my dispute because the Amazon seller provided proof that I had received the item they shipped to me. I did receive the item. However, Synchrony didn't require any proof that the Amazon seller sent me what I ordered, which was the problem at hand. The seller also denied that I had contacted them about a return. I did contact them, and so did Amazon. But the seller wouldn't send a prepaid shipping label. I don't believe I should have to pay to return a counterfeit item. It is my belief that the seller, Amazon, and Synchrony are committing fraud against Amazon customers. Since Amazon and Synchrony are in bed together, innocent buyers are no longer protected. I'm a woman, and a senior citizen on an extremely low fixed income. I would appreciate it if someone did the right thing here, and refunded my money for this counterfeit headset. A photo of the headset received and my Amazon invoice are attached. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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: Just received your answer with reference to complaint XXXX submitted on XX/XX/XXXX, however this Synchrony Bank did not respond correctly to the disputed item here that is still showing in my account. An item that was delivered - Door covering that was not installed at all. The amount of the item is {$660.00} and its still showing in my account and needs to be credited as I do not have this item. Synchrony bank received all my documents and this amount is not my possession of which the merchant refused to install in XX/XX/XXXX and with all the issues that the merchant- Lowes has put me thru, I have the right NOT to purchase this covering anymore. Lowes refused installation from XX/XX/XXXX. All letters and documents has been provided with Synchrony and they have never responded to this amount on dispute. Synchrony Bank needs to credit item that was not receive at all or not in my possession. The merchant-Lowes sent an incorrect window covering and refused to acknowledge the fact that they committed a mistake and insist that I enter into agreement. An agreement that never stated that even if you receive a wrong item, you as a customer will pay for it. The amount of this item is {$500.00}. Both these amount are still showing in my account. {$500.00} - Incorrect Item {$660.00} - Item that was NOT Delivered
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This complaint involves the misapplication of a payment to a Lowe's/Synchrony Bank account XXXX which resulted in the loss of a promotional interest rate ( 0 % for 24 months ) and interest charges that would not otherwise have been incurred. Below is a time line of relevant events. [ XX/XX/XXXX ] - Purchase refrigerator for {$2700.00} with 0 % XXXX mo. terms. [ XX/XX/XXXX ] - closing date for XXXX billing statement, which included {$4200.00} in new, non-promotional charges. There was no previous non-promotional balance, as those charges are paid off monthly to avoid interest. Online payment for {$4000.00} submitted. Payment due date is XX/XX/XXXX. [ XX/XX/XXXX ] - Online payment of {$400.00} submitted. [ XX/XX/XXXX ] - closing date for XXXX billing statement. Rather than credit the {$4400.00} in payments to the outstanding non-promotional balance of {$4200.00}, Synchrony applied the payment first to pay off the promotional interest-free balance of {$2100.00} ( for which the 0 % promotion didn't end until XX/XX/XXXX ) and the balance of {$2200.00} to the non-promotional/regular charges, leaving a regular account balance of {$2000.00} after charging {$45.00} in interest XXXX 24.99 % APR ). [ XXXX XXXX XXXX ] - contacted Synchrony/Lowe 's via phone at XXXX to advise the {$4400.00} payment was misapplied and should have paid off the regular non-promotional balance of {$4200.00} and the remaining {$110.00} should have been applied to the promotional balance. Billing representative indicated they understood what happened and would submit the necessary request to correct the misapplied payment. [ XX/XX/XXXX ] - closing date for XXXX statement. I had not heard from Synchrony Lowe 's indicating they had made the payment adjustment and didn't consider this unreasonable as only a week or so had passed since I contacted them. This statement includes {$440.00} in new purchases and {$49.00} in interest charges. [ XX/XX/XXXX ] - submit online payment for {$450.00} to pay off the new purchase balance. [ XX/XX/XXXX ] - closing date for XXXX statement, which includes {$57.00} in new charges and {$46.00} in interest charges. [ XXXX ] - initiate online chat with Synchrony Financial to advise my prior request to correct the misapplied payment has not been processed as the promotional balance hasn't been restored and interest continues to accrue on the regular non-promotional balance. The representative understood what happened and indicated he made notes to document everything. [ XX/XX/XXXX ] - received letter from Synchrony Financial indicating they were unable to accommodate my request because they " are only able to reallocate payments to and from deferred interest promotions. '' This doesn't make sense, as the problem with the misapplied payment involves a deferred interest promotion that was incorrectly paid off with a payment that should have been applied to the regular non-promotional balance from the XX/XX/XXXX statement. All regular non-promotional balances have been paid in full, and no interest should have been charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A