Date Received: 2023-03-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Synchrony/PayPal took an authorized payment from my checking account after I filed Bankruptcy.I never authorized a payment nor was I on ACH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name in XXXX of XXXX that I did not authorize. I did not notice this until I tried to get a car loan in XXXX of XXXX. I have been trying to handle this issue synchrony bank since I found out and they keep saying this is my name, my social security number and my card. It is not my credit card. I did not give authorization to open any credit card in my name from synchrony bank luxury card. This has hurt my credit score and I need help to resolve this matter. I do not have any card numbers, or papers regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX I went to my local walgreens pharmacy store to pick up my prescription. As usual, I click confirm pickup and also bought medical equipment with the pharmacist. The pharmacist told me to enter my social security number which was new to me, so I did as I thought it was just a new process of picking up my medication to match my records on file. When I got back home and checked my email, I saw an email regarding a new credit card has successfully been accepted in my name. I remember I didn't sign a document for a credit application nor talk to a professional financial expert at walgreens for this store credit card. Therefore, I am submitting a complaint with CFPB as I didn't authorize for a credit card at walgreens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I went shopping at XXXX back in XXXX of XXXX. The cashier tried to push a TJX rewards card on me, which I was not interested in. I made a {$40.00} purchase at the register and the cashier had signed me up for the card ( without my consent ). I did not realize this {$40.00} charge was applied to an account that I never agree to open, nor did I ever receive a hard copy of the card or a letter from the credit card company. I only found out I owed late payments when I did a credit report in XXXX of XXXX. At that point I called the credit card company, they agreed to waive the late fees and they took payment in the amount of {$55.00} ( which included interest from the principal purchase ). In XXXX of XXXX, my credit report was showing more late fees owed. I called TJX card services on XX/XX/XXXX and they said they had record of my call in XXXX and record of the fees being waived. HOWEVER, they are claiming they did not receive my payment of {$55.00}, as the call was conveniently " disconnected '' according to their records. This company is fraudulently charging me late fees and is not allowing me to pay my original bill ( which was never consented to nor was made clear that an account was opened with a bill ). They are making it very difficult to resolve this issue, I have spent dozens of hours talking to people at the company, repeating the circumstances, and no one seems to have the authority to waive the {$150.00} of fraudulent late charges. I highly recommend anyone who shops at TJX stores to reject any credit card pushed on them at the register, and also make sure they didn't sign you up without your consent. I am taking them to small claims court, I have wasted lots of time on this matter but I refuse to pay 5x the original principal because this company are frauds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: At the end of XXXX and the beginning of XX/XX/2022 I submitted a payment for my XXXX XXXX credit card for XXXX XXXX It was a time when XXXX XXXX was converting from Synchrony Bank to XXXX. The personal check was issued to Synchrony Bank. The money was withdraw from the account on XX/XX/2022 ( see attached documents ) by Synchrony Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a XXXX XXXX credit card statements from XXXX for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases one after another over the XXXX past months with no resolution of the problem. As per XXXX, they never received the money and as per Synchrony Bank, the check for XXXX $ was returned to my personal account. The check was never returned ( see attached documents from my bank and the letter from bank manager ). Synchrony Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX months later, both Synchrony bank and XXXX say they are unable to resolve the problem and they expect me to pay XXXX $ again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 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. This is in regards to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78752
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Care Credit by Synchrony bank. I was charged interest on the amount I had already paid in full because the payment didn't get applied to the correct balance in spite of my talking to the customer service and making payment as advised.Two supervisors I spoke to couldn't understand the problem and I waited over 90 minute to get answers. Finally over the chat session, another representative helped me. I am now waiting to get the charges removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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 bought online with my Sams club master card from XXXX some gold coins on XX/XX/2023 and I paid XXXX dollars. The package was ahipped with XXXX and it was supposed to be delivered to my house. Then on XX/XX/2023 the tracking number for XXXX showed that the package was delivered to my house. But I did NOT NOT NOT receive the package and I did NOT sign for it and XXXX was never at my house delivering anything that day. I contacted XXXX and XXXX XXXX and an investigation was opened on XX/XX/2023. Now its been more than a month and I still have not received a refund or a replacement or reimbursement .XXXX XXXX is refusing to pay and XXXX has a bunch of thieves working for them and now I am out XXXX dollars and NO gold coins so I lost everything and I disputed the charge with my Sams club master card with synchrony bank and synchrony bank has done NOTHING to resolve the issue and they have not given me a credit for the disputed charge of XXXX dollars. I lost my money and I never received the package and I know XXXX employees stole the package. I need to be refunded and reimbursed for the money I paid for an item I never received. Synchrony bank should refund me the money because I never received the merchandise. I have filed a police report for this theft by XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX are in the business of buying debt from companies and use their wrongful practices to hurt consumers. They have an account from Synchronic bank, another crooked company that I awe them {$450.00} XXXX XXXX has charged me {$2700.00} on this account for what? that is the wrong amount, their fees, attorneys fees, administrative fees. This is an outrageous amount of money that was not owe. As a consumer, I believe on working with them and satisfy the debt, but not with this type of abuse. I need to get the original amount owe to synchronic, without all those staggering fees, I ask kindly to the CFPB to look in to this matter, this is an abuse by these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am being charged late fees by Synchrony Bank for a Rooms To Go Card, even when I make payments on the due date and even with autopay set up!! They refused to credit all late fees charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A