Date Received: 2023-03-02
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: Vet charged me for services not given. Service was detrimental to my pet leading to death XX/XX/XXXX charged maximum amount than referred me somewhere else. No explanation of fees or charges by XXXX limit XXXX $ charged it all for XXXX night. Picked him up incoherent and unable to walk. I disputed charge with XXXX spoke to the management of the Vetrenarian hospital. Hospital is XXXX of XXXX on XXXX XXXX. Over sedated saying pet was mean at the time I went to put him to sleep. Indicates mistreatment when they first took him in. Service was not given .should have referred me out and never admitted to hospital as they were unable to give nutritional support through IV. After being in care XXXX day could no longer eat for himself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93306
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: 2023-03-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened this account with Lowes on XX/XX/XXXX. On XX/XX/XXXX, I made a large purchase for my new house, {$22000.00}. I was in the process of moving and mail was forwarded. I did not receive my bill until XX/XX/XXXX. This was one day after due day of XX/XX/XXXX. I paid the bill in full ( {$22000.00} ) on XX/XX/XXXX. I was charged a late charge of {$30.00} on the XXXX. On the XXXX, after I paid the bill, the late fee was reversed. Balance was now {$0.00}. On XX/XX/XXXX, 7 days after I paid the bill, I was charged interest of {$380.00}. I called them again and on XX/XX/XXXX they said it was a mistake and reversed the interest. Balance is now {$0.00} again. On XX/XX/XXXX, I made 2 purchases {$770.00} and {$42.00}. I received my bill on XX/XX/XXXX ( closing date of bill was XX/XX/XXXX ). I was charged interest on this purchase - 4 days after purchase date- amount of interest was {$10.00}. They said they would reverse the interest. This is the fourth mistake in 2 months. Also, when I call up, they request my social security number and I refuse to give that to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXXXXXX XXXX Synchrony bank closed my sams Club Mastercard with no notice, within days of that they also closed my JC Penny Card and Lowes Card also without notice. They stated that they thought I was going to not pay my accounts. I should note that I have NEVER missed a payment or been late and usually my cards are paid in full by the due date. All of the above cards have a ZERO balance. They are refusing to pay the approx XXXX in cash back they currently owe me stating that because they closed the account that cash back is FORFEIT By closing those accounts they reduced my available credit almost XXXX and caused an 80 point drop on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03833
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a Care Credit Card sponsored by Synchrony Bank. I only used the card XXXX : 1st for my purchase of a dental plan with XXXX XXXX. The second time I used it was for my dog 's XXXX on XX/XX/23. I called customer service to find out : when purchase of the dental plan was made & how much did it cost. I want this information because I have a dental plan option to purchase, & I want to see which plan is better buy. I tried to use the on-line chat, but they could not help. I then tried to call customer service & they too could not help & even dropped the call. So, I was NOT able to complete my inquiry & get a reasonable response. In fact, NO response @ all. Very poor customer care which is ridiculous since I only used the credit card XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a care credit account for dental work. The account was supposed to be interest free if the account was paid within the promotional period. I subsequently had additional dental work done, each with a new promotional period. Synchrony bank arbitrarily applied the payments to whatever promotion they wanted and paid off more recent activity prior to older activities. This action and deceptive practice threw the first promotion into expiration and I was subsequently charged over XXXX $ in back interest. I was not made aware of where synchrony was applying payments or given an opportunity to rectify the situation. Synchrony care credit is sets you up for programmed default then slams you with steep interest fees without even giving you the opportunity to know where your payments are being applied. They are deceptive, uncooperative and fall back on some boiler plate terms that in the end XXXX you over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Company called me 10 times in a row Company called my job about debt Company sent strangers to my house to harass my family and i Company sent fake law suit to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Upon returning for XXXX in XX/XX/XXXX, I begin to look for apartments around XXXX XXXX. As the leasing process begun with XXXX XXXX XXXX, I was notified that I had delinquencies on my credit report. After further investigation it became apparent that my personal information and credit had been unlawfully used without my consent. There were multiple accounts directly opened fraudulently equating around the amount of {$40000.00} USD for XXXX XXXX monetary gain. Since then, with the help of my Legal Advisor, Ive reached out to all 3 credit bureaus through certified mail along with the FTC report submitted in XXXX with hopes to combat these false accusations in order to clear my name and credit. Some of my attempts were successful as the bureaus mutually accepted my fraud claims and removed the existence of said credit accounts. Unfortunately, the more significant amounts did not receive the same fate since Im still being held accountable for them. Synchrony Bank ( also known as Care Credit ) was one of many credit lines that Ive tried resolving this fraud issue with. Since XXXX, Ive called and submitted multiple fraud claims with the company in which all including the recent one in XXXX of XXXX were denied. During their multiple fraud processes, Ive faxed them numerous of documents showing my whereabouts identifying that I was on XXXX during the opening of this account and when it was used for XXXX XXXX XXXX and XXXX XXXX. However, my requests for the Validation Notices, Itemization of amounts, and the original signed application were denied because I was unable to pass their test when asked about the account for identification purposes. That is to be expected since I did not open or authorize anyone to open this account nor the other numerous accounts. I was denied every time that Ive requested to escalate the claim to a higher individual in the company. As a XXXX veteran with various XXXX, the countless harassments of threats Ive received from this company has affected not only my personal life but also my workspace as well. This company has starting to send multiple letters to my parents residence including numerous called sent to my mothers phone. The recent letter Ive received from the company stated that I was denied because of the following : Care Credit Account XXXX : XXXX 1. The account has been opened for more than 12 months with statements sent to you. This information is inaccurate because I been fighting this fraud claim since the moment, I was aware of its existences. Records will show that Ive reached out to this company from XXXX to present day. 2. Payments have been made by you on this account. None of my accounts have paid any bills associated to this company. The Company has never had any of my banking information. 3. You authorized, participated in, or benefited from the purchase. This information is inaccurate because this account was never approved nor received my consent. Ive never used this account for personal gain. Ive never been a patient at said company. Please Advise and thank you as Im requesting to be relieved of this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
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: 2023-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of XX/XX/2022, medical and health related debts are no longer allowed to be included on consumer credit reports. I have an unverified outstanding debt with SyncCare/CareCredit on my report as a charge off of more than {$2500.00}, which is having a severe impact on my credit. I have requested both a demand for verification and a deletion of this information from my report, but have yet to hear anything back. I would like to see all medical related debt stricken from all three of my consumer credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: PAYPAL FALSELY ADVERTISES 2 % CASHBACK REWARD ON POSTED TRANSACTIONS BUT THEY'RE NOT HONORING IN WHAT THEY ADVERTISE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Good afternoon, I would like to submit a complaint for the following companies. Due to this situation my record with the XXXX XXXX has been affected and I have been rejected when applying for a credit card and I am concerned this will affect me in the near future. I am a consumer that pays a home mortgage, car loan, and all my credit cards on time. *Synchrony master card : my account was closed due to few late fees. Most of the late fees was due to an issue with Synchrony master card rejecting my payment. For example, my due date was every XXXX of each month, on XX/XX/, I summited my on-time payment and got rejected. I was not notified about this until a month later by mail. Incidents like this one happened few times where my payment was submitted on time with the bank account ( XXXX XXXX ), I use all the time and I was not notified about the payments being rejected until a month later on the mail. I called on XXXX about this situation and I was not given any type of explanation or help. I was told the system takes time to update that is way I was informed about this weeks later. I also contacted XXXX XXXX in regards of the payments that were rejected, and I was told they do not have a record of any of this. I use this account all the time to pay my bills and had no issues. They also had the wrong address on file due to their error. That is the reason why i was not receiving my mail. I was not giving a warning or a notification that the account was closed until few weeks later when I received a letter on the mail. Unfortunately, I do not have the dates for the other incidents since they are no visible on the website or any letters that was sent since I misplaced them. **XXXX credit card : On XXXX XXXX someone submitted a payment of {$4.00}. XXXX I contacted the company in regards of the payment that was made to my account in error. I also tried to submit a payment and I was informed that no payment was due at that time. I was not given any other information. Few weeks later they closed my account because of my late payment and because I exceed my balance. This affected my credit score. I contacted them and they were able to resolve the issue since there was an error on their end and they reopened my account. However, this situation provided a negative impact to my report. ***Gap credit card : my account was closed due to late fees in XXXX I had the same situation my payment was rejected, and I was not being notified until few weeks later. Unfortunately, I do not have access to the website and can not provide any details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A