Date Received: 2023-02-16
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: On XX/XX/2023 I purchased a item for {$130.00} but then I call canceled the purchased but since the purchase still remains on my store card I contacted them to have it remove they stated no I also offer send them email with the refund and they stated no
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Amazon store card, asked if I would like to enroll in an assistance program. Simply stated that I would pay a reduced monthly fee, did not make it clear that this would be a settlement, would close the account, negativity affect my credit score, etc. Tried to see if account could be reopened ( it has been closed less than a week ) and payed off, they said it was not an option and that this was permanent and that it was clearly disclosed to me ( it was not ). They were very misleading about the consequences and simply made it seem as if they were offering reduced monthly payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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 purchased a television from Walmart.com on XXXX XXXX for {$4600.00}, using PayPal Credit. Since the product was not delivered on time even after 20 days and as there was no communication from Walmart.com and the Seller XXXXXXXX XXXX about delays and new updated delivery date, I cancelled the order. The seller agreed to refund me {$4300.00} keeping shipping expenses and thus Walmart.com refunded {$4300.00} on XX/XX/XXXX, to my PayPal Credit account ( Transaction ID : XXXX, screenshot attached ). I also thus never received the Television. I also promptly paid the balance of {$350.00} to my PayPal Credit account on XXXX XXXX, expecting a {$0.00} balance on my PayPal Credit account due to this transaction. I had also filed a dispute with PayPal Credit that the seller was wrong to deduct {$350.00} since they did not deliver the product when they promised even after many days ( more than 2 weeks ) and not communicated to me about the delivery new date. But for some reason, PayPal Credit returned the entire refunded amount of {$4300.00} to WALMART.COM and charged Re charged my account for the full {$4600.00}. I also made a balance payment of {$43.00} on XX/XX/XXXX for the XXXX XXXX on my account. I have called PayPal Credit multiple times and their Customer Service representative noted the whole scenario and filed a dispute for me but no action has been taken by them. So now I am in a situation, where I dont have the Product and I have a Current balance on my PayPal Credit account. I have attached my original purchase and the refund transaction screenshot to my PayPal Credit account. Thanks Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a {$1000.00} electronic payment from my bank account to Synchrony Bank for my Care Credit account. On XX/XX/XXXX the payment posted to my account but when I checked my available balance on XX/XX/XXXX it did not reflect that recent payment. I called customer service and they said they had it but would hold the payment for 10 days before it will reflect on my available balance. This is not a paper check this is an electronic payment where they have cash in hand and won't give me credit. I have never seen a company do this to people. This is a medical credit card and I'm waiting to move forward on medical procedures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
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 605 A section 2 it also states that a consumer reporting agency can not furnish an account with out my written permission or instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open 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: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a late fee of {$41.00} on an amount due of {$41.00}. That is 100 % late fee of minimum payment to a Lowe 's CC. I had to pay it 2 days late. It was actually paid online on the due date but didn't show up until 2 days later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize this company to do any hard credit inquiries. I have nothing to do with them or did not apply for anything in the past 60 days with any company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XXXX. In the month of XX/XX/2022 i made 7 transactions of same amount {$1500.00} and one of {$1000.00} to purchase my XXXX package from XXXX ( Package provider ). Because of the high value international transaction my card was blocked as a result bank replaced my card. XXXX. The XX/XX/2022 statement reflects all the transaction including BALANCE TRANSFER due to replacement CARD and shows the NEW BALANCE = {$12000.00} XXXX. On XXXX XX/XX/2022 i made full payment of - {$12000.00} to paid off last statement balance XXXX. Since my trip was canceled by the provider, they made refund of {$11000.00} on XX/XX/2022 and XX/XX/2022 XXXX. On XXXX XX/XX/2022 i received Refund check of {$11000.00} from the bank against my request XXXX. All the above activities ( 2-5 ) reflects on the statement of XX/XX/2022 and shows the NEW BALANCE = {$340.00} XXXX. I was using my card as usual and everything was fine until XX/XX/2022 XXXX. In the month of XX/XX/2022, i suddenly found an entry of " BALANCE TRANSFER XXXX GA '' with the amount of {$1500.00} in the transaction detail section. Then I went through all my statements since XX/XX/2022 ( as available in the portal ) very mindfully but did not find any reason or evidence to justify this balance transfer. XXXX. I started talking to the bank and asked them to explain me the scenario, however, no one was able to explain anything rather than transferring the call from one department to another department. In the mean time fraud department again initiated a card replacement process. XXXX. Then on XX/XX/2022 i found another ( 2nd one ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} on top of the previous balance issue XXXX. Then after a lot of phone call one Custome Service Representative was able to understand that this balance transfer is not valid as because there is no such evidence in the past statements. He then initiated a process for adjustment and on XX/XX/2022 i found 2 adjustment happened. XXXX. I was so happy as the issue was resolved, but then on XX/XX/2022 i found again another ( XXXX XXXX ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} has come. XXXX. I started calling the bank again but there is no resolution. At one point they asked me to wait for the next bill cycle that may resolve the issue but nothing happened rather the bank started charging me interest. As of now i am not getting any further cooperation from the bank therefore seeking your help to save me from this huge personal liquidity damage. On the other hand, if i really owe anything from bank then i will for sure pay off the amount instantly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Thank you for your time I Applied for a PayPal Credit Cash Back card on XX/XX/XXXX XX/XX/XXXX took a cash advance for {$900.00} was charged {$45.00} cash advance fee. XX/XX/XXXX I made a payment of {$940.00} which I requested that it be applied to cash advance. Request WAS fulfilled for {$900.00} for cash advance. I also paid XXXX dollars for cash advance fee before it was due. XXXX XX/XX/XXXX I had a minimum payment due of {$29.00} XXXX XXXX Paid {$29.00} before the XXXX on XX/XX/XXXX before it was due. XX/XX/XXXX a {$44.00} minimum payment due XX/XX/XXXX Paid {$50.00} for payment before it was due. XX/XX/XXXX took a cash advance again for {$900.00} requested that it be paid in full Within 30 days I made the following payments before they were due. XX/XX/XXXX regular payment due {$57.00} XX/XX/XXXX {$400.00} payment towards cash advance XX/XX/XXXX {$500.00} payment towards cash advance I paid off the {$900.00} cash advance and made payment to my credit card charges before they were due. I called to check on my account to make sure that the money was applied for the cash advance since I was charged a huge amount of interest. I had already made the regular payment for the month. I was told that it was not applied to the cash advance and that they would request it to be paid towards the cash advance and that the interest charges would be reversed. I have called several times month after month after month since XX/XX/XXXX on a recorded line with customer service agents including supervisors that I requested to speak to. They all stated my request would be fufilled. Today XX/XX/XXXX I spoke to an account manager supervisor and was told that they changed their policy and that I was no longer able to pay off my cash advance and I said to her I was not notify she said this had been their policy all along but it just wasn't enforced and I told her that I would have never taken the XXXX cash advance had I known this, I feel they pulled a bait and switch on me. They set a precedent with me leading me to believe that I could pay off my cash advance because : I Did pay it off before They told me I could on a recorded line They told me how to record it line that they were going to fix the mistake and credit my interest charges Now I'm getting charged $ XXXX a month for interest on the cash advance which I can not afford This has caused me the following problems : They are making me pay a high interest rate of more than 30 % first before I pay my regular payment which is much less. My credit rating has declined. Which is emotionally devastating for me because I was working toward payment for a new home loan. That's the reason I was making my payments before they were due. I'm borrowing money from family members to try to get that cash advance payment off my credit. XXXX cash back credit card company has caused me a major amount of stress and has caused me to be mentally devastated and worried all the time regarding my finances. This company has has taken my time. I've been on the phone for months hours and days on hold and calling several times since last year. I feel that this is a bait and switch company they allowed me to pay and then they change without my knowledge. All my recorded conversation with their customer service agents told me they're going to repair the problem and will be crediting back the interest charges and will allocate the payments to the cash advance and fix this issue. To date this has not been done and I am requesting that there be an investigation because if they doing this to me I am sure they're doing this too other people. They have never contacted me back, they have never called me back as they said they would, and they have not ever sent me a letter regarding this issue. Thank you for your time, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I used my Paypal Credit account to purchase a XXXX Language Course thru XXXX. I got sick and went into the hospital and was never able to use the service. I never activated or downloaded the course. As I ordered it less than a week ago, I called and emailed XXXX XXXX XXXX XXXX XXXX to cancel my subscription, and to refund the charge back to my Paypal Credit account. On XX/XX/XXXX. I received correspondence that the seller agreed to issue a refund. On XX/XX/XXXX, I was told by Paypal Credit customer service rep that they decided not to. That I would have to file another dispute through the Resolution Center of Paypal asking for a refund. Also, while I was waiting for my refund my billing statement came, and there was a {$41.00} late fee attached to my account. This is an enormous amount to charge a Consumer who has a dispute on their account, likewise, I paid more than the minimum that was due, only to be told that the {$41.00} was added because I was three days late. My billing period ends on the XXXX It was due on the XXXX and I paid on the XXXX of the month. Creditor should not be charging these outrageous late fee amounts to make the Consumer more in debt to the Creditor.
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: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A