Date Received: 2023-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My name is XXXX XXXX, XXXX XX/XX/XXXX. On Saturday, XX/XX/XXXX I went down to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was then pressured into signing up for a CareCredit card with them. The Dentist in charge of my care said I could lose my teeth since the XXXX XXXX was too far gone to treat it. He then told me I needed a root canal and this product sold by XXXX XXXX to save my teeth. I was then sent to another XXXX XXXX XXXX XXXX XXXX Before I left XXXX XXXX that day they said their product wasnt covered by insurance and that the product I needed to save my teeth from falling out cost XXXX XXXX I told them I couldnt afford paying out of pocket. Thats when they pushed their CareCredit card on me. I was mentally scared for the health of my teeth so out of fear for my health I applied and signed up for the credit card. The representative of XXXX XXXX told me there would no interest rates and my payment would be low. I wasnt able to read the contract since the representative had control of it. She just told me where to sign and I wasnt allowed to read it completely until after I signed. Then they gave me the products which havent been used and I have no intention of using. They were over-the counter-dental hygiene products. I tried to return the product two days later, but they said I couldnt do that since I signed the contract already. They said I could only get up to 20 % of the cost back. In essence I was misled into signing up for a CareCredit card. They didnt let me read the contract until after I signed. I was pressured into signing up by the use of fear from my own Dentist. They also used deceptive practices about interest rates to get me to signup. They also blatantly lied about interest rates and I couldnt even read the fine print until after I signed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am writing to complain about the lack of service I received in a complaint resolution with CareCredit. The confirmation number is # XXXX. It was for a {$7000.00} quality of goods complaint for XXXX XXXX XXXX, a XXXX in XXXX XXXX, XXXX. At the time, I explained the situation over the phone to the person. She did not have me put anything in writing. She simply had me explain the situation. The basic facts of the complaint are that XXXX XXXX made a fixed denture for me that did not fit properly. It caused me severe XXXX pain. I went to a physical therapist several times and a speech pathologist who all agreed the denture did not fit well and was the source of my pain. I explained this to XXXX XXXX, and he stated that was about all I can do. I paid him $ XXXX {$7000.00} of which was on the CareCredit card. After discussing the problem with other professionals, I was finally able to have a new one made by another prosthodontist. This new one fits properly ; however, I, of course, needed to pay my new dentist. I do not believe I should have paid for a dental prosthesis that is non-functional. I believe it is currently sitting in a lab at my new dentists office. It was quite literally {$15000.00} paid for nothing but pain. I am writing to you because evidently CareCredit reached out to XXXX XXXX, accepted whatever he said, and filed in his favor ( he lied about much of this. ) The bottom line is that I can not use what he made. Why in the world would I not use it if I could? This does not make any sense. Why would I want to have another one made if is worked fine? Not XXXX person at CareCredit ever wrote down or asked me any follow-up questions. In fact, I only discovered the conclusion of the claim from XXXX XXXX himself. I had tried contacting CareCredit on several occasions and am only placed on hold for XXXX minutes or more. I have screen shots showing this. It is nearly impossible to get a hold of anyone at CareCredit. Even when I tried to offer feedback on the website, it would not work. I finally discovered that there was a message regarding the conclusion on the website. No one had informed of this. This entire ordeal is highly unethical from beginning to end. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone received a charge card using my name and information with SYNCB/PPC ( Synchrony Bank/Paypal Credit ) XX/XX/XXXX . The account was not used for XXXX months. Then whoever began making small purchases and paying them off for an XXXX month period. Then whoever charged {$3700.00} and did not not pay it. The credit bureaus in XXXX notified me that I was past due on an account. I notified SYNCB/PPC in writing that this was a fraudulent account set up by someone else using my personal information. SYNCB/PPC notified me that they accept that the application for the charge card was a fraud and I was no longer responsible for paying the outstanding balance of {$3700.00}. XXXX, XXXX, a credit bureau notified me that my credit report had been updated with a new address ( I had not moved ). SYNCB/PPC had submitted the new address. During the process in getting the address removed from credit report, I noticed that SYNCB/PPC still had in my credit report the outstanding balance owed of {$3700.00} written off " charge off. '' Since the account was fraudulent opened and I had nothing to do with the charges I'm requesting the SYNCB/PPC charge and all related info be removed from credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79915
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There were fraudulent charges on my Synchrony Bank ( Amazon ) credit card in excess of {$300.00}, all related to XXXX, XXXX and XXXX. I filed a fraud complaint with the company, paid all legitimate charges on the account and closed the account ( XX/XX/2022 ). The company took several months to respond, refunded me {$97.00} and charged interest and late fees on the fraudulent charges during the several months that they took to respond. The company is now harassing me with several calls and emails on a daily basis, and the " balance '' is now in excess of {$300.00}, all consisting of fraudulent charges, late fees and interest. I have called the company, filed online and also participated in an online chat. I can not get any resolution and my excellent credit is being ruined by fraud, deception and incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Synchrony Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Synchrony Bank chooses not to honor their agreement, I elect arbitration under good faith and they pay the fees. I demand that all payments are returned due to the factual concealment of this agreement and under federal law, I wasn't supposed to make payments. Federal laws supersede the contexts of this agreement and the State Laws of Utah. A copy of this complaint will be sent to Alabama AG and Utah AG.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, Wednesday I received an email message from Amazon, secured my card, saying, Great job! You're now eligible to activate the Store Card features. I excepted the offer. I had problems with the link in the email to accept the offer for the upgrade Amazon Storecard. Synchrony Bank runs both cards. I had to contact them five times to finally got the right department staff. They said they needed me to verify my identity, so they gave me a website link to go on to verify my identity. I have been a customer of their Amazon-secured card for about two years, so I was a little confused. Still, they said this upgrade Amazon Storecard is a much better card, and I get my security deposit back from the secured Amazon card, and a new card will be mailed out to me, the Amazon Storecard. The link they gave sent me to a website to verify my identity with my ID. I kept trying to do it, but the system said my lighting was not good. So it wouldnt let me keep trying, and the representative from Synchrony Bank on the phone said I would get a letter in the mail in the next 7-10 days. The letter came, and they declined me because, unfortunately, based on the results, those checks they did could not verify my identity. I dont understand why you say that when I have been a good outstanding customer for about two years. I did had a credit alert on my credit reports with three major credit agencies to contact me if anyone apply for a new credit the same phone number with Amazon Synchrony Bank is the same number of my credit reports to contact me. I told the representative at Synchrony Bank is that the reason for all this security concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my Sam 's Club XXXX credit card account more than a year ago by phone. Sam 's Club or Synchrony, the issuing bank, automatically opened a new Sam 's club credit card under my name in XX/XX/XXXX. I never received this new card or activated it, but then received a statement through the mail that was sent to my old address. I had moved over 2 years ago, and I was only made aware of this new account when this letter was forwarded to me in XXXX. The statement included charges made on the card for a {$50.00} Sam 's club annual membership fee on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called the number on the statement ( XXXX ) to cancel the card. The representative mentioned the canceled card was declared stolen which is how a new card was issued, but was able to cancel the new card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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: Multiple disputes opened for charge made around XX/XX/22 in the amount of {$210.00} Item never received. Overcharged for item. A large amount of evidence was provided on multiple occasions. Bank is siding with an XXXX artisan in third-world XXXX despite my proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX, the XXXX XXXX as cancelled and as replaced with a Synchrony XXXX. The {$81.00} balance I had on my XXXX XXXX should have been transferred to the new XXXX. It wasnt. So, via the XXXX account payment link, I paid the {$81.00} outstanding balance on XX/XX/XXXX. But it wasnt credited toward my account. It was credit toward the new account. Synchrony said theyd fix the issue. They didnt. The balance remained. I again paid them {$81.00} toward the XXXX account on XX/XX/XXXX. And once again, they credited the payment not to the XXXX account, but to the new card. My balance on the XXXX account remained at {$81.00}, but XXXX promised to fix it. They didnt. So in XXXX I tried something different. My balance remained {$81.00}, with a minimum payment of {$29.00} due on XX/XX/XXXX. I paid {$29.00} on XX/XX/XXXX. It again was not credited toward the XXXX card, but the new card. I paid them {$29.00} again on XX/XX/XXXX. Same thing happened- it was credit toward the new card, not my XXXX balance. I contact Synchrony on XX/XX/XXXX and am assured I wont be marked as having a late payment. Well, its XX/XX/XXXX, and despite me paying them multiple times, more than the minimum, theyve marked me as having a late payment. They also deregistered my XXXX account. I can no longer login to see the balance ( which still stands at {$81.00} despite my many payments ), and I also cant login to even attempt to pay it off. The account has been closed for many months. I no longer have access to the full CC number, so I cant even attempt to reregister this account. I have never made a late payment on any credit card account in my life, and Im very upset by the way theyve mishandled this. If they dont correct it by XX/XX/XXXX, they will falsely report a XXXX day late to the CRAs, unjustly impacting my credit, and this will become a FCRA violation. I want this issue fixed before we reach that point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A