Date Received: 2023-02-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The PayPal Credit Account I have had for some time has changed over to Synchrony Bank, and since this occurrence, they do not allow any grace period in making payments to my account. I bill is due on the XXXX of the XXXX, and I paid it on the XXXX. But it was not posted until the XXXX. I was charged an excessive amount for a late fee of {$41.00} on the XXXX. I don't think it is fair to any consumer to have to pay late fees in such amounts that it is almost half your monthly payment amount. This business practice keeps the consumer in debt to the merchant, affects their credit ratings with late fees, and does not consider giving any additional time 3-5 days at least for the debtor to pay their bill monthly or otherwise. Debt Collectors are making nothing more than more profits in keeping the Consumer in debt to them by adding excessive late fees which add on to the interest balances on any account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: 1. XX/XX/XXXX - Charged XXXX on a Care Credit Care pushed to me by XXXX XXXX XXXX in XXXX, NJ. The card was suggested to me immediately upon my first diagnostic visit. 2. XX/XX/XXXX - Terms of the card were explained to last 24 month, 0 % interest for a XXXX payment. 3. XX/XX/XXXX - First close of billing cycle. Card 's due date was XX/XX/XXXX. XXXX 's payment amount was XXXX. Subsequent monthly payment amounts have kept changing online.They 're always lower than XXXX. 4. XX/XX/XXXX- XX/XX/XXXX - Filed a complaint with Synchrony Bank. Felt I had been racially profiled. This card was not pushed to white patients. Also, the terms of the card were not fully explained. I have since moved out of state and my teeth still aren't fixed. 5. XX/XX/XXXX- XX/XX/XXXX - Called the company several times. Told them I wanted to make a complaint. Was told I would be emailed and received no response. Complained via email again ( online at company site ) and was told that the company had ruled in the dentist 's favor. 6. XX/XX/XXXX- Received a call from XXXX in XXXX XXXX Relations ( XXXX ) ( Extension : XXXX ). She told me she would review charges to see if I could be reimbursed for anything. XXXX. XX/XX/XXXX - Faxed XXXX appropriate documents at ( XXXX ). She told me I could not send scans via email. I have not received a response back as yet, but I am filing a complaint because I don't feel this company is going to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
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: XXXX 's sold us new windows and a sliding door with installation included. As of XX/XX/XXXX - when we filed a complaint with the XXXX XXXX XXXX- we still do not have correctly installed windows ( including a window with visible gaps to the outside ), the sliding door will not effectively lock from the interior or exterior, and we have a pile of trim that has been sitting outside at our home since XX/XX/XXXX. Between the time we signed a contract with XXXX - XX/XX/XXXX - and XX/XX/XXXX, XXXX never once proactively followed up on any aspect of a process they messed up every step of the way. We can not trust that there will be any follow-up from XXXX, that things will be installed correctly or in any kind of timely manner. Credit Card company says they can not refund us, all they can do is let XXXX 's know of our complaint. We have made every payment up to when we filed first dispute. Goods and services were not received at all within expected receipt date of XX/XX/XXXX ( as per contract ; customer had to follow up multiple times just to get install date scheduled ; never once heard proactively from XXXX ) or XX/XX/XXXX ( when they arrived months late and damaged, after multiple attempts at contact by customer, never by store ). As of XX/XX/XXXX - when we filed a complaint with the XXXX XXXX XXXX- we still do not have correctly installed windows ( including a window with visible gaps to the outside ), the sliding door will not effectively lock from the interior or exterior, and we have a pile of trim that has been sitting outside at our home since XX/XX/XXXX. Between the time we signed a contract with XXXX - XX/XX/XXXX - and XX/XX/XXXX, XXXX never once proactively followed up on any aspect of a process they messed up every step of the way. We can not trust that there will be any follow-up from XXXX, that things will be installed correctly or in any kind of timely manner. The goods and services were defective ( install ) and damaged ( sliding door and one window arrived damaged ) ; windows were installed incorrectly ( in breach of contract ), thus services were defective. There was NEVER follow up from XXXX on at any stage of this process. We have called and visited the XXXX store multiple times ( weekly calls and emails ), called XXXX corporate tens of times, attempted to file disputes with the XXXX credit card. We have still NEVER heard from XXXX XXXX, any of the district or regional managers that we were told this issue had been elevated to, and still dont have a door that effectively locks or windows installed correctly, 1.5 years after ordering and almost 11 months after faulty install. We have in good faith attempted countless times to resolve this issue. XXXX had not once attempted to resolve things in 18 months. We did not hear from XXXX until we filed with the XXXX XXXX XXXX on XX/XX/XXXX. At this stage, after 18 months of us trying to rectify the issue, we requested a full refund from XXXX. We can not trust that there will be any follow-up from XXXX, that things will be installed correctly or in any kind of timely manner. We have six ( 6 ) pages of notes, included in this claim, on how we have in good faith attempted to seek resolution, and how XXXX has never initiated response nor have fixed things.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98028
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hi, On XX/XX/XXXX, I applied for a Lowes credit card in store at Lowes XXXX, NY location. After submitting my information electronically I was told that further information was required in order to proceed with my new credit card application. I immediately called the contact # provided at Synchrony bank and I was told to do a live video recording in addition to taking a picture of my driver license and submitting it electronically. I complied and provided everything, including my social security #, video evidence of my face and pictures of my driver license. I was then approved. I even made purchases without the card by referencing my phone # and social security # at the Lowes checkout. Today, XX/XX/2023, I received my credit card and bill for the amount I purchased in store on XX/XX/XXXX. I tried to activate the card online and on the phone and was denied because Synchrony bank wants additional information : copy of my driver license and utility bill physically mailed to a another location. I refused because I already provided this information and I just want to be able to activate my card and make payment to the account. However Synchrony bank still indicate they are unable to help me. This has become infuriating because I already provided all this information when I applied for the credit card in the first place. Synchrony bank already has all this information and they already APPROVED my application. Why is it so difficult for me to just activate the card so I can go online and make payments? I do NOT want to have to send my personal information again when I have already done so. Please file this complaint with Synchrony bank and Lowes. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I've been using my Synchrony Bank Amazon Store Card with my Amazon XXXX membership for a few years without any issues. I converted my regular Amazon XXXX membership to Amazon XXXX XXXX membership in summer XXXX and later noticed that I stopped receiving 5 % rewards even though I've been using my Synchrony Bank Amazon Store Card only at XXXX. I called Amazon and Synchrony Bank about 10 times total over the period of 5 months. I've been told numerous times different things like " your case has been escalated '', " you will be contacted soon '', " your will receive your rewards shortly '' ... No rewards, nobody contacted me. I kept making purchases using my store card in the meanwhile. The last time I called on XX/XX/XXXX, I spoke to a supervisor and I've been told that I was not entitled to any rewards, since I was a XXXX XXXX member. Only regular XXXX Members were untitled to rewards using Amazon Store Card. Very frustrating. I was not notified that I will not receive any rewards if I convert to XXXX XXXX None of the representatives except for the last one had the answer. I lost a lot of time and over {$200.00} in rewards, they offered a {$50.00} credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92673
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: This is the second dispute pertaining to SYNCB/LOWES they have fraudulently verified late payments, XX/XX/2022 letter sent from Lowes states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month SYNCB/LOWES has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. Under 15 U.S. Code 1681n as a result of the failure SYNCB/LOWES owes damages of XXXX dollars per violation. These violation were confirmed by SYNCB/LOWES to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For the last year or so PayPal Credit/XXXX has been charging me interest on deferred interest charges. I pay my charges that are not interest deferred along with my interest deferred balance due on time and all together on one payment and do this online. PayPal Credit is not applying the payments correctly and they do not offer an online solution for allocating where my payment goes towards on the statement charges. I have called in several times to complain and get the interest charges off my statement but only get someone with dogs barking or kids crying in the background who have no clue how to help me. They keep telling me to call in and make my payment over the phone so it can be allocated correctly. Ive tried this several times and have no options via phone to get this done. It is a painful process and in the meantime Im paying interest charges for no reason as Im paying ahead on my deferred charges. Its a scam they are getting away with and Im furious! I feel I have no way to stop this and they continue to get money from me that is not theres to have. Please do something about this ASAP as they owe me money back from interest charges that should never have been applied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 572XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed an authorized inquiry on my credit report I dod not authorize this company to run my credit this is against the law. I called in and was told it would be removed. they added this to my credit report on XX/XX/2XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
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: 2023-02-24
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: XXXX PayPal according to them I can make a monthly payment I only owe {$110.00} well actually I don't know it cuz here 's what happened I close my account due to fraudulent activity and they never refunded the money I've been fighting with them now for 6 months and every month somehow something else gets added to my bill apparently it's a XXXX and something dollars I don't even know because they can't even send me a bill why because they can't even look up my account why well according to the guy I talk to you last week I do believe it was a Wednesday night he said that I don't know anything because the account was closed due to fraudulent activity then why am I still getting bills and threats that they're going to mess with my credit I want this taken care of yeah I wouldn't removed obviously they don't know what they're talking about when I call in to pay {$100.00} bill that I don't even know for and you can't tell me where my account is because it was closed due to fraud and that I don't owe you anything and then I get a bill 3 Days later saying the opposite kind of makes you look bad this doesn't even count the four times in the 6 months I had PayPal that they charge me for late fees that were not accurate interest on interest free payments which I paid off in full within the time frame and purchases that were never made by me. Final straw that broke camel 's back was when I called in and they proceeded to tell me that I had not made a payment in 4 months all the money that I've been paying for those for months of payments I have record of where's the money going cuz it didn't come off the amount that I owed I owe {$300.00} something dollars and I paid it off pretty much down to maybe {$42.00} but they had no no recollection of that I had to actually have somebody from my bank call one of their financially agents to tell them that that we had proof that they had been paid and why wasn't a deducted
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: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Synchrony Bank the owner of my Sam credit cards added {$1000.00} to Sam Credit Card illegally without my knowledge or permission. Synchrony Bank and Sam Credit Card forward a letter with false information to the 3 Major Credit Reporting Agencies. Synchrony Bank reported that I exceeded my credit limit by {$1000.00} which totally false therefore violates the Fair Credit Reporting Act. I set up a monthly payment schedule with Sam card for the 7th of the month. I notice prior to my payment due XXXX XXXX, XXXX in late XX/XX/XXXX that my regular XXXX payment was changed to XXXX called Synchrony and spoke to a representative prior to the due I was assured that the amount would change. I have no reason to believe what told however on XXXX I that Synchrony withdraw XXXX for my checking account at XXXX XXXX XXXX XXXX without my permission, the balance at this was XXXX therefore an overdraft was created. I got in touch with XXXX XXXX requested that funds be return to my account immediately. The representative informed me that he would be 30 days before my funds could be returned. I filed a dispute with XXXX XXXX XXXX XXXX Fraud Division XX/XX/XXXX I provided Synchrony Bank a copy of that Dispute as Attachment XXXX of my Dispute filed. I received a check for XXXX from Synchrony Bank on XX/XX/XXXX. I deposited check at XXXX XXXX XXXX XXXX Mon. XX/XX/XXXX. I told the teller at that time this would settle my dispute. I paid my bills and overdrafts fees. A week later I not only noticed that my balance on my XXXX increased my {$1000.00}, my monthly increased from XXXX to XXXX a month without any explanation I filed a Dispute early XXXX concerning this matter. I finally received a letter from XXXX XXXX Corporate Specialist, Consumer Relations, Synchrony Bank dated XX/XX/XXXX. I will in the following paragraphs share some of the quotes from that letter I find very important not explained. " The Customer service representative requested that the payment of XXXX be returned to you in the form of a check. However, the payment in the amount of {$920.00} was reversed and applied back your account. '' My question here is why was it reversed? The money that was given to me was MY FUNDS to replace the funds taken from my account. The answer to that question shed light on this issue however was left unanswered REALLY!!! THE CHECK IS THE ONLY FUNDS I XXXX XXXX RECEIVED FROM SYNCHRONY BANK. HOW CAN YOU REVERSED FUNDS THAT DON'T BELONG TO YOU IN NORTH CAROLINA WE CALLED THAT STEALING. There is another quote in this letter I found to offensive " Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account. history information to the major credit bureaus. How could this be true if you reversed the money provided from the check my account would be XXXX. If that is not the case you stole the funds why wasn't the funds used to pay my account. I find this not only a violation of my Civil Rights and Racial Basis based on my Age XXXX and my Race Black.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A