Date Received: 2023-03-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened the account on XX/XX/2021 for a credit limit of XXXX I was using the credit to obtain XXXX. The debt was immediately charged and I have been making timely payments. I had signed up for e-statements but did not start receiving them until XXXX regardless I have always just gone on the site and made the payment. Recently as I was noticing after over a year of paying my balance was not dropping much so I pulled up a statement. On that statement, I noticed XXXX being charged for Credit protection in case something happens and I can't make the payment. I NEVER sign up for add-ons like that as I don't see the need for them. I have asked repeatedly to see when and how I signed up for it. What did I sign? I did not authorize this charge and if it was because I didn't opt out of something that is not right. Services like that are to opt in! I have been charged almost XXXX. I have canceled the service but am looking for a refund of prior charges as again I DID NOT authorize this payment. When I call the company I have been hung up numerous times and last I spoke I am to hear back from someone. I'm confident I won't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am complaining about a fraud scheme that PayPal Credit has refused to deal with. A friend had his accounts hacked and the hacker represented himself to me as my friend and requested a PayPal friends and family payment for {$120.00}. I sent this money XX/XX/23 and hours later contacted my friend who told me his account was hacked, and to not send any money as this was a scam. PayPal sent me a confirmation of the payment to the scammer stating that the payment would be processed by XX/XX/23. I immediately notified PayPal of the fraud and requested the payment be stopped. It took hours to process this report, and finally, several days later, PayPal informed me that the case was closed and I had no recourse. There was no explanation of the disposition of the funds or what if anything was done to the hacker/scammer and his/her account. I requested that the case be re-opened as this was a fraud and until it was resolved I would not pay. They did not engage in any attempt to explain procedures and policies for a case like this and made it impossible to speak with a human. Until resolution, I revoked authorization for my bank to pay the charge and PayPal has now assessed a late fee and may have filed a credit agency report. PayPal is making money from credit fees in transactions that they are aware are fraudulent, with no accountability or attempt to protect customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Order phone and sent back for return. They sent it back 3 times and now its on my credit I dont want the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a serious problem. I got a care credit account, the emergency vet reccomended when my dog was attacked, they said its great and interest free. then when paying my bill one month syncrony advertised i get a discount on my pets best monthly bill if i use my care credit on auto pay so of course, why not, trying to save money. I got a notification from the credit bereau that my card had significantly increased the balance which i thought was strange because have not used for a while and been making pmts of over 100 monthly so assumed i was almost getting close to having the balance to zero. Imagine my shock and horror when my balance is over XXXX and 90 % is interest charges. also, they periodically without warning delete auto pay from my account so they can then charge me a late fee. I would never in a XXXX years have used this service if i had known they would charge me interest, not even reasonable interest, they have every single time ive used this card still active and im monthly being charged for the full purchase even if only owe XXXX, there are like XXXX purchases that i owe less than a dollar but they then start putting pmts towards another charge so they can charge me for all of them? this is on a card that was sold to me while my dog was in serious bad shape and its supposed to be XXXX interest. i cant afford this, im gon na have to go bankrupt, this company syncrony has ruined me, every other acct i have is in good standing, XXXX issues and it feels like its got to be illegal, i know its immoral and terrible way to treat people. im at a loss, they give confusing, and conflicting info on the website. no way to even tell what charges are from where, for the past year the only charges are huge interest charges, XXXX $ per month on several occasions and no explanation. how can they do this on an interest free medical assistance card? its unfair, i would have never ever got this card if it wasnt pushed on me as no interest. sure as heck wouldn't have had a recurring charge made on this card for a discount, only to pay XXXX the discount in interest. its false advertising, fraud, extortion, how are they allowed to ruin poor people in this way? please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. The account listed below has violated my federal given consumer rights to privacy amongst other things. Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid Synchrony {$1000.00} XX/XX/2023 and gave them authorization to debit {$2700.00} from my card on XX/XX/2023 I was given confirmation numbers of both payments. I called a week later to make the final payment 2weeks early and was told they no longer had my account and that it was in collections. I asked how can it be in collections when u just got {$1000.00} from me less than a week ago? They refuse to send me confirmation of the {$1000.00} payment. They refuse to correct this on my credit report. Synchrony accepted payments from me, my account isnt a charge off nor is it closed. I have called three times so far asking to have the status of my account corrected and requesting proof my account is paid in full. They claim they emailed it. I said I hv checked Spam, inbox etc. I have received nothing. I even asked for a letter they told me dont do that. But if I owed money theyd send me a letter. I asked to speak to a manager. Have not heard back. Synchrony received payment. I paid {$3700.00} and they will not acknowledge the debt was paid in full, no settlements the full cost of the debt is paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80132
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my Rigths. 15 USC 1681 Section 602 states I have the Rigth to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier MC account. On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to inquire about a billing issue THAT IS NOT related to this complaint. I was connected to a Customer Service Supervisor named XXXX who informed me that Synchrony has issued a new Account Agreement in XX/XX/XXXX. I requested a copy of the new agreement and the customer supervisor promised that it would be sent by XXXX mail within XXXX weeks. A recording of the conversation with customer service supervisor on XX/XX/XXXX was made. I have not to date received the copy of the Credit Card Account Agreement although it has been more than five ( 5 ) weeks since I spoke to Synchrony Customer Service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94132
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
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 opened a Sams Club credit card through Sychrony Bank and had never used it. It had a {$2500.00} credit limit. I did not notice that I had a payment due of {$31.00}. I assumed this might be for a yearly fee. So, I got online and made the payment. Only to realize after the payment, it said I still owed over {$100.00} still. I called the credit card company and was informed that the charge was for a yearly membership to Sams Club, and was sent to XXXX Indiana, Sams Club. I told them my account was not due at that time and I have been living in Florida for the past few years and my Sams Club was located in XXXX XXXX now. I told them I had paid my yearly membership in store and on my debit card. I was told to send a fax to them to prove this and this would be handled. I did do this, but with no resolution. They said they never received it, I told them I had called the XXXX location and there was never any money sent to them in my behalf. I told them to call the store and work it out. This was and has never been done by Sychrony Bank. I resent the fax a second time to them and still nothing. I have talked to managers and they say they will look into it, but never do. I still get text, emails and phone calls constantly. So here I am filing this complaint with you. I would have paid, if I had used the card and actually charged something, but it is the principle that I stand by. I refuse to be bullied by a large company for something I never charged. They have caused harm to my credit rating. Need some assistance. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A