Date Received: 2022-12-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Paypal.com XXXX was previously using synchrony bank and the sychrony bank website to handle all credit card matters. Now everything is on through the paypal website. Prior to this change I had auto-pay set-up for my credit card payments. I come to find out I no longer have auto-pay set-up. I'm trying to link my bank account details to pay my credit card statements. Paypal is setting an automatic security hold while trying to link this bank account to paypal. I've tried to contact paypal via their chat, which is automated. The chatbot allows me to try to enter my routing and account numbers through the chatbot, I do that but I recieve a message letting me know that my attempt has been blocked for security purposes. I'm basically going to pay a late payment fee because of this and overall inconvenience. - Poor notice of the change - Autopay was cancelled without my approval - Linking bank payment info with the new paypal mastercard interface is troublesome - Lack of support. I will continue to try to reach out to PayPal support but I assume I'm not the only user with these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a Synchrony Bank Amazon Card Holder for over 7 Years. They abruptly closed my account stating Activity on account with Synchrony bank was indicative of high risk of failure to pay. I have spent Hundreds of thousands of dollars and have never made a late payment on any Synchrony account in my life. My credit score according to their on credit XXXX shows I have a XXXX XXXX XXXX. How can I get a human to review this decision. I would like to get my Account reinstated or at the very least get the {$4800.00} Amazon Rewards Points I had rightfully accumulated returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
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 paid off my Sam 's Club credit card on XX/XX/XXXX. On XX/XX/XXXX, XXXX weeks after it was paid in full and the payment posted to my bank, they mistakenly showed a return payment and reversed the payment showing a balance once again {$680.00} which again shows on my credit report. I have contacted them 5 times and have been told it was a error and their backend department just needs to fix it. Two months later it still is not corrected and if I don't pay a minimum payment by the XX/XX/XXXX ( which I do not owe ) will show as delinquent. This account has been paid in full since the end of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: They change the remark back to PayPal close my account and they didnt. I closed the account on the day of my last payment. Check recording on the last day i paid. I was not 60 days late paying. One of paypal representatives told me i was on payment assistance and told me to give her {$20.00} for XXXX. I found out later i was never on payment assistance which put the account late. PayPal refuse to give covid 19 assistance. My credit history was good with PayPal until XXXX. They refuse to give me assistance. They fix my PayPal on my credit the change it back to the old reporting. On my my PayPal credit account its saids i closed the account and Im not 60 days past due nor collection. Please talk to the account manager at paypal not customer service s to get the right credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
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: XX/XX/XXXX I purchase tires for my XXXXXXXX XXXX at XXXX XXXX at XXXX XXXX Maryland the manager said the tires would be there that afternoon I didn't get a call or the next day so I decided to go there that Saturday morning. The manager said my tires arrived. I needed those tires because I was going out of town for XXXX XXXX. I told him to credit my synchrony card and he said no I had to call the district manager which I did never got answer nothing but a recording. I called corporate several times and they wouldn't credit my card so I talked to synchrony and the same problem. So I told XXXX the manager to credit my synchrony card which he agreed and I used my XXXX my synchrony card is still showing a balance of XXXX. I called synchrony and explain what I did and to fax the two receipts which they received and still no credit on my card. The reason for switching my credit card is because I found out that synchrony has numerous of fraud suits against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Back in XXXX of XXXX, I received a late payment for a credit card that I did not originally open from Paypal credit/Synchrony Bank XXXX I immediately checked my credit report and found out that back in XXXX of XXXX, someone had stolen my identity and opened a fraudulent credit card in my name while also charging over {$3500.00} to this card. I took the proper steps to immediately fix the problem; contacted the bank, closed the account, it was flagged as fraudulent and sent to the fraud investigation team-I then of course filed disputes with all three credit agencies to get it removed from my credit report. All three disputes were successful and it was removed from my credit report and I put a credit freeze on my report as well. The issue started with Synchrony bank when they forwarded my claim to the fraud department and the investigation team-no one from that department got in contact with me to ask me for any information to help with the investigation, I wasn't specifically told to file a police report ( spoiler alert ALWAYS file a police report regardless of what they tell you or DO NOT tell you ) I was basically under the assumption the fraud investigation team would handle it and let me know it was going to be taken care of. I asked them to send me the billing statements as they are required to by law if I request them, a few weeks later I recieved what looked to be an affidavit stating that I was a victim of fraud and a form to fill out explaining to the investigation team what happened, the form stated that the investigation could take up to 60 days to complete. Several weeks went by and I was still receiving billing statements from the fraudulent account, by this time they had assigned a new account number to it since there was still a debt on it, by this time it had been well over 60 days and I hadn't heard back from Synchrony bank of what the results were or if the investigation was still going on. It was now XXXX so I decided to contact Synchrony bank and I was forwarded to the investigation team, come to find out they had closed the investigation back in XXXX and my claim was denied. I was LIVID to say the least, one because I hadn't received anything from the bank stating the results which they " claimed '' to have sent a letter and two they closed the investigation supposedly after they sent me the claims form to fill out. They said they would re-open the investigation, and that I should file a police report ( you don't say! ) The reasoning for denying the claim was pretty laughable, considering that I was a victim of identity theft, I believe they stated that it didn't look fraudulent to them because my information matched, name, address, etc and that I had " supposedly '' kept up on the payments over the months-which if you think about it, isn't that what you would WANT to do if you had a fraudulent account going? So as to not get a late payment sent out to your victim 's real address and raise a red flag ( which is exactly what happened and how I found out about the account ) I think their investigation team is a fraud within itself, how do you close the investigation before you even recieve the claims form or even get any type of contact from the victim? Well as of now I have filed a police report and gave them everything I had regarding the incident, hopefully this will be resolved soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98516
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
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 used the " Pay My Provider '' application on the CareCredit.com website, a credit card managed by Synchrony Bank for a service I received on XXXX XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. And two separate charges appeared on my credit card statement for statement closing date XX/XX/XXXX, posted on XX/XX/XXXX. One charge for {$530.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL, and another charge of {$430.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL. However, my medical provider that was supposed to be paid by Care Credit for the procedure I had says they have not received payment from care credit for the charges indicated above and I still have a balance due. I sent a certified letter with return receipt which was post marked on XX/XX/XXXX and per certified tracking was received at the address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX. I expected to be notified in writing within 30 days of Care Credits Billing Error 's receipt of the letter that the dispute had been acknowledged BUT I WAS NOT. Furthermore, I did not receive a notice regarding the resolution to my dispute in writing or otherwise, but I was after 60 days required to continue to make minimum payments. I sent electronic correspondence on XX/XX/XXXX through Synchrony Bank 's message center documenting their lack of response to my dispute, along with attachments provided to my from XXXX XXXX XXXX billing department of my patient ledger of all payments made to the account for the service provided to me on XX/XX/XXXX, all of which were paid directly by me and not by Synchrony Bank Care Credit. In response I received on XX/XX/XXXX is that they would use the attachments I provided in their investigation into the dispute. I have not heard back since. I have reached out to both XXXX XXXX Billing department and Care Credit to resolve the payment discrepancy between themselves, but each department is pointing me to the other party. In other words Care Credit wants XXXX XXXX to call them and XXXX XXXX wants Care credit to call them. Now I still owe both XXXX XXXX and Care Credit for the same procedure I had completed on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33916
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received a credit card bill from Synchrony for sam 's club. I have never had a Sam 's Club card. Did not apply for one. The charge listed on the card is for an Annual Membership Fee of {$50.00}. My annual membership is due in XXXX I do not understand how a card can be opened in my name without my permission... ..for a charge this is not yet due. This is a scam that has an interest rate of 25.9 %.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Synchrony Bank XXXX Lowe 's Credit Card : Earlier this year my account preferences were changed ( not by me ) to have billing received electronically. My account was setup for paper billing. Chatted with Synchrony and they agreed to have partial late fees and/or interest removed. I have continued to use the card not paying for any past late fees and/or interest due to the switching of my preferences and only paying for my merchant purchases. Synchrony continues to add late fees and/or interest to my account w/o any merchant activity. The issue may lie with multiple credit cards ( merchants ) serviced by Synchrony. Each credit card preference s/b handled individually by merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have an unrecognized charge on my PayPal Credit account. It appears to be related to XXXX gift cards. I have made no such purchase of any XXXX gift cards at all or any XXXX services in this amount. I filed a dispute with PayPal. They denied my claim without telling me what exactly the item is, they are basing the decision by an algorithm apparently. Here is the info of the item : Here are the details of the one or more activities you didn't recognize on your account : * Gift address added * Gift address added Here are the details of the one or more transactions you didn't recognize or had issues with : * Transaction ID : XXXX * Transaction amount : {$54.00} USD * Recipient email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A