Date Received: 2022-11-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Acct XXXX, Account name : SYNCB/CARE CREDIT Acct # XXXX Account name : # XXXX XXXX Acct XXXX XXXX -, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Venmo credit card fails to send notification about upcoming payment due and even fails to send any notification when due date was missed and late fees charged. I would notice that I was charged a late fee a week later but no email, texts, or in-app notifications were provided to remind me about the payment. These are sketchy practices praying on customers to forget to pay on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
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: I ordered XXXX XXXX XXXX XXXX XXXX from XXXX and they sent out the package with XXXX. My shipping address is XXXX XXXX XXXX XXXX, XXXX, Washington. The tracking number is XXXX. On XX/XX/XXXX, the package is marked as delivered to XXXX, Washington. I contacted XXXX and they said they will start an investigation with UPS. On XX/XX/XXXX, XXXX said that they contacted the shipping carrier. XXXX said the shipping carrier said the package is delivered to my XXXX address successfully. However, UPS told me and also my renter 's insurance company that they located the package on XXXX where it was then held at a holding facility for 5 days and sent back to the merchant, XXXX. XXXX lied about the ups investigation result and refuse to refund. I uploaded all the information including UPS 's response, the investigation from my insurance company, etc to credit card company and they still insist in the favor of the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Synchrony Bank 0 % promotional advertising for their Ashley Furniture XXXX is deceptive. I have 2 different purchase dates with 0 % interest for the same promotional end date and Synchrony is supposed to apply payments to the oldest balance ( since the rate is the same and the promotional end date is the same ) but they have been applying my payments to the newest balance ( making the difference in accrued interest at the end of the promotional period nearly {$200.00} more if I only pay off 1 before the promotional end date. How many people are they doing this deceptive and illegal practice to? I chatted with a live representative who said it doesnt matter if they are both paid off by the promotional date. People can not always make that happen so it looks like they are trying to keep the payments going to the newest purchase so the oldest purchase has a lot more in deferred interest if it happens to not be paid by the promotional end date. This is wrong and deceptive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX has charged my amazon store card for XXXX dollars on XX/XX/2022 and that is a double charge or a duplicate charge for an item that I was already charged for and I returned it back. The charge of XXXX dollars from XXXX to my credit card on XX/XX/2022 is a duplicate charge and is wrong and an overcharge and duplicate charge. I was already charged for this item on XX/XX/2022 so XXXX should NOT charge me again on XX/XX/2022. I am requesting from Synchrony bank to refund me for the charge made by XXXX to my XXXX store card for XXXX dollars on XX/XX/2022 and refund me that money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a XXXX XXXX. Thats what it said I was applying for. Instead I was sent another XXXX card. It is obviously a bait and switch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I used Care Credit to pay for my XXXX XXXX in XX/XX/2022. It was a 2 year payment plan with no interest and I have been paying the monthly payments with autopay. I had a balance of {$1100.00} in XX/XX/2022. On XX/XX/XXXX, they charged me {$1200.00} in interest alone as soon as the 2 year mark was reached. The interest rate is more than 100 %. When I called, they refused to waive this interest even after I offered to pay my balance in full. For a credit card company that is for XXXX, this is outrageous, and they did not even alert me about this prior. How do you charge someone more interest than their account balance? This is very unethical and will bring financial hardship on my family. I would be grateful if you can help me with this. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55113
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hello, A credit card was opened by someone who stole my SSN and XXXX somehow ( assuming it was leaked data I got warnings about from XXXX security regarding accounts using my G-mail ). The credit card company was Synchrony XXXX XXXX XXXX This blemished my XXXX XXXX, so I was able to pull the following from my credit report. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FRAUDLENT TRANSACTION INFO : XXXX via XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above was not authorized by me. this was someone with my XXXX and XXXX, who got it approved. They also have my name and address. I immediately called Synchrony Bank and they filed an investigation for me and suggested that I reach out to CFPB. their process will take 60 days they said. I would like help protecting my identity and also to remove this fraudulent credit check that hurt my XXXX XXXX. Thank you,- XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have made purchases with the offer of a 12 month deferred payment. -The first offer of {$400.00} with transaction date of XX/XX/XXXX was paid in full before the offer expired -The second purchases were only delivered until XXXX XXXX XXXX because they had problems with the inventory, they should have extended the deferment this was deceiving practice. - The Third purchase of {$1000.00} was made on XX/XX/XXXX with deferment until XX/XX/XXXX I had been busy with my XXXX XXXX XXXX father illness and travelling back and forth to Florida plus a full time job and not able to sit down and review my accounts until now. - I called earlier today XX/XX/XXXX before reviewing my statement to rapidly make a payment on the expiring promotion and the representative XXXX waved the deferred interest on the expiring promotion because there was a grace period. He told me that I needed to pay XXXX to pay it off. -Later when I sat down to review my purchase invoices and statements I realized he XXXX XXXXXXXX XXXX was supposed to have charged me {$1000.00} and the reason he didnt is because XXXX XXXXXXXX/Synchrony XXXX credit card had been since XXXX splitting my monthly payments of {$200.00} a month between the expired promotion and the promotion that I didnt have to pay yet with the purposed of charging me compound interest in higher balances on the expired promotion. My payments should have been applied towards the expired promotion to reduce the balance and therefore the interest being charge. This is a rip off this bank is perpetrating on the consumers. I understand they manage Lowes credit card. I will have to review those statements next because I am sure they have done the same thing. It is an abuse of the consumers who sacrifice so much to stay current in their bills. I need a resolution and a review of these unfair financial practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
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 XX/XX/2022 I used my Care Credit account to pay {$500.00} XXXX XXXX XXXX of a {$700.00} medical bill.I called the provider ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX because I saw on my online bill that I still owed {$700.00}. I was told that they never received a Care Credit payment on my behalf and that I need to call Synchrony Bank ( XXXX believe they make the payment to the providers ). I called Synchrony and was then informed that payment are none of my concern and that the provider need to called them to handle it. I relayed this info to the provider and they called Synchrony and was told that there was not payment on my account although I saw that there was ( and still is ) a {$500.00} payment. So the provider told me to wait. Fast foward to today ( XX/XX/XXXX ) I called the provider again and was told that they still haven't received a payment and that I should call Synchrony again to see what was wrong. I called them and was told yet again that payment issue are none of my concern and that I could not dispute the payment because it isn't an error on their end. They ( Synchrony ) wanted me to have my provider call them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A