Date Received: 2022-12-20
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: Dispute number : XXXX This bank 's online system does not let me attach any documents. This bank 's fax number does not work. Attached are supporting documents. Two items in concern were returned to XXXX. Crooked XXXX is not willing to refund me my money. XXXX ) XXXX XXXX : This item was returned at the XXXX store. The XXXX store provided me with a return receipt. The return receipt is attached with this message. You will find the tracking details in the return receipt for this item. XXXX ) XXXX : This item was picked up from my house. The tracking number for this return is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am going through some financial hardship because of my childs XXXX XXXX a few months ago. I tried getting into my XXXX syncrony account but it said my account doesnt exist or cant be registered. So I had to order a new one. Im hard of XXXX and using the phone doesnt work for me, but they have no option for secured messaging. I finally got a hold of the customer service email and I explained my situation and that Im waiting on a new card and hoping itll work to register with. I want to apply for financial hardship but I cant because the original card they sent me wont register, which means I cant apply for financial hardship and I cant do it over the phone because theres nothing compliant for the hearing issues I have. So instead of answering my emails I get several calls and emails and texts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. This discrepancy was reported directly to the company listed as well as the credit bureau. Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. Line item being reported was established without my knowledge or permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX asked XXXX credit reporting to delve into my XXXX credit file without asking my permission first. They said that they work together with XXXX to continually check my account with them which of course is illegal to do without my permission. They used it to illegally drop the amount i can borrow from their Lowes credit card by {$100.00}. I have never missed a payment with my Lowes credit card ever. So now because of what they did is a violation I want Synchrony Bank to pay me for the violation of privacy and violating my civil rights which would equal {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony bank closed my account without proper justification and illegally. Synchrony did not advise me they were closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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 XX/XX/22 care credit XXXX charges to be pd as arranged by end of 10 month program I was to start a wellness program XXXX XXXX XXXX XXXX. On this day I had pd {$47.00} for a initial consult through a XXXX information session. At this meeting we spoke, she XXXX XXXX and I signed to start program at a later date that would be determined by office. That lasted XXXX min. My start date assigned was XX/XX/22 I was given a binder, supplement were ordered to be delivered to my home. And I was to set up a meeting to go over the results from my lab work. Also, a health coach was assigned to me. That was weekly meetings, I was supposed to meet with the doctor I believe three times over a 10 month period. There was supposed to be a second set of labs done, and a food sensitivity test at around the six month point. On XX/XX/22 I informed XXXX XXXX the clinical XXXX, and the only contact that I had that due to some personal issues and illness with my husband and his leave from work. I would not be able to participate in the program. I stated that if they could return the supplements. at that point, I was told that the doctor would be reaching out to the company to see if I could get a refund. I was told that several times. I had continued to reach out to them and when I didnt hear back I filed a dispute with CareCredit the company that the {$6000.00} credit was through. I have never logged on to the education portal as I agreed I wouldnt. I held onto the supplements, unopened and continue to ask if they were returnable and was told that they were working on it and that one on for weeks. Then they told me they wouldnt talk to me about it because I filed a dispute. I never have gotten the results for my lab work even though they told care credit they did. They claim that they shared all lab results with me. Also, nothing on their invoice talks about the second set of lab results or the food sensitivity testing and of course theyre claiming the weekly health coaching is free. Somehow in a 90 minute meeting theyre claiming 10 months worth of service was delivered to me. They cancelled all my coaching appts and I have never spoken with anyone since my initial meeting, which I paid for. I have filed a dispute twice with CareCredit. I have asked for a phone call and never received one. I just keep getting a letter back saying that they agree with the doctor because she was able to provide them with an invoice. Ive also asked for a mediator, and Ive never received anything about that, although when looking at the synchrony contractstates that I have access to that. I have said from the very beginning that I would pay for the supplements if they were unable to get the vendor to refund. I never did hear back about that so obviously, even though I was told several times that the doctor would work on it I dont think that ever happened. I also said that I would pay for the lab work that they supposedly did however I dont know if they did because Ive never seen results. They say its {$1200.00} I priced it out on the life extension website which is where it was coming from and its {$530.00} if I was to order it myself. So Im not really certain where they get {$1200.00} from. I am a nurse so I dont appreciate the fact that theyre being dishonest and Im very resourceful and I have been able to track down most of the cost. Its amazing to me that theyre saying that the weekly coaching visits with the doctors follow up lab work and testing is all free but yet the things they provided to me before the program even started in a 90 minute meeting cost me {$6800.00}. So again 10 months worth of service delivered to me and a 90 minute meeting. And apparently to CareCredit that seems reasonable. I dont really know if theyve even looked at my documentation, but Ive probably sent screenshots of about 20 emails along with information, and I can not get anyone to speak with me. Please help me. I cant pay {$6800.00} and I refused to pay for something that was not provided to me I had filed a dispute with the XXXX XXXX XXXX and I have not heard back. I am not trying to get anything for free, but fair market value for the service I received is the only thing that is reasonable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account No. XXXX SYNBC/PPC Amount {$750.00} XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SYNCHRONY BANK, for violating my cease and desist notice, continuing harassment, threats, defamation of character, and continuing to collect an alleged debt under false statement or representation. SYNCHRONY BANK stated in their letter ( Exhibit A ) dated XX/XX/2022, You did so by signing the application, whether written, verbally, or electronically, and agreeing that you understood the terms and conditions of the account. SYNCHRONY BANK violates the protection of my nonpublic personal information under the XXXX XXXX. SYNCHRONY BANK never disclosed that I have a right to opt out of my nonpublic personal information before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and given an explanation of how I can exercise that nondisclosure option. According to the consumer credit protection ( 15 USC 1693l ) waiver of rights, No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action. I never gave SYNCHRONY BANK consent to disclose my nonpublic personal information which constitutes Aggravated identity theft ( 18 USC 1028A ) by false pretenses. SYNCHRONY BANK stated in their letter ( Exhibit A ), We have received and will honor your request to cease collection efforts on this account. SYNCHRONY BANK continues to dishonor by continuing to communicate and collect on the account. I received mail letters dated XX/XX/2022 ( Exhibit B ), XX/XX/2022 ( Exhibit C ), XX/XX/2022 ( Exhibit D ), XX/XX/2022 ( Exhibit XXXX ), and XXXX emails ( Exhibit F ) dated from XX/XX/2022 thru XX/XX/2022. SYNCHRONY BANK continues to report negative information on my consumer report and violates the Fair Credit Reporting Act. SYNCHRONY BANK has not only violated my right to privacy but also violated multiple Federal Laws. I hereby demand SYNCHRONY BANK honor my cease and desist letter, stop further collection on the account ending in XXXX, and remove any negative information on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2021 I called PayPal credit number XXXX XXXX XXXX XXXX Customer service rep ask for all my personal information name address social security number which I gave stating it a a process to speed up processing time after I realized what happened It wasn't PayPal customer service How do I prevent any XXXX XXXX Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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 or about XX/XX/2022, I was on vacation and received a call from the Venmo Credit Card Fraud Department notifying me of several fraudulent transactions on my account. I do not have the specific details, but I recall there being some charges for XXXX and gas ( I dont have a car that needs gas ) and some others which I did not make. I was advised that my Venmo credit card would be cancelled and that they would send a new one to my home address. From that call, I understood that the fraud was caught, that any fraudulent charges would be removed from my account. As I travel often for work, and am not always able to review my statements every month before they are due, I have my accounts set on autopay to pay the full balance every month. I do this so I dont miss a payment when I am travelling. Also, credit card fees and interest are charged on a monthly basis, while fraud claims are normally subject to a statute of limitations of several years making payment a more urgent requirement than claiming fraud. Additionally, my experience with major credit cards and banks is that fraudulent charges are normally caught as they are being made. When I did review my statements, I noticed that there had been fraud on my account starting with relatively small amounts in XXXX and growing larger until my XX/XX/2022 statement swelled to {$8800.00}. I made a claim for these charges with Venmo/Synchrony Bank XXXX XXXX. After a few weeks, on approximately XX/XX/XXXX, I called the Synchrony Bank Fraud department to check on the status of my claim and was advised that my claim had been denied and that I should have received a letter dated XX/XX/XXXX notifying me of this. I never received that letter. On that call, I asked for the claim to be reopened. The case was reopened and I received by mail a list of the transactions and was asked to state whether or not I had authorized them. I went through my records to verify the charges and sent the list back to Synchrony Bank with the vast majority of transactions marked as fraud. On Friday XX/XX/XXXX, I received a one page form letter advising me that the Synchrony Fraud Team related to my Venmo Credit card account was unable to approve my fraud claim because I " authorized, participated in, or benefited from the purchase. '' This is not true ; the only way I participated in the purchase was by paying the full statement on autopay. I have a very good credit score, and pay my credit card statements in full and on time every month. Further, the fraudulent charges are clearly not mine as they are inconsistent with my 30+ years of credit card use. These should have been caught by the credit card company as they were happening. Of particular note : I go to XXXX once in a while. The number of charges to XXXX alone should have triggered a fraud call to me ; I dont have a car that operates on gas and have no need to go to XXXX XXXX. These charges also should have triggered a fraud call to me ; I have never bought an XXXX XXXX XXXX prepaid card for anything. I have always had subscription phone contracts ; I do not use XXXX. I have a contract with XXXX ; I dont have an XXXXXXXX XXXX account ; I have never used XXXX XXXX XXXX ; I have never been to or used a XXXX XXXX ; I should not be penalized for making full payments on my statements. Credit card fees and interest are immediate and charged monthly ; The charges that were eventually identified by Venmo in XXXX were charges for XXXX and XXXXXXXX XXXX. These charges were removed from my account so they knew these were fraudulent but are now not acknowledging that the others were.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A