Date Received: 2022-10-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: First of all, I received a certified letter sent from Paypal Credit Card with the month of XX/XX/XXXX 's monthly statement in it with my name as the customer, but I never ordered Paypal 's credit card ever and have never owned one. The following is data from the statement : Paypal ID XXXX / Credit Access Line {$1000.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$35.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase XXXX XXXX ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase on Amazon ID ( XXXX ) {$32.00} XX/XX/XXXX Purchase Online XXXX Gift Card {$49.00} XX/XX/XXXX Purchase XXXX XXXX {$56.00} XX/XX/XXXX Payment made on XXXX ID ( XXXX ) {$44.00} XX/XX/XXXX Deposit on XXXX ID ( XXXX ) {$23.00} XX/XX/XXXX Purchase XXXX Gift Card ID ( XXXX ) {$89.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$36.00} Total Amount {$440.00} I have this statement and have let both the XXXX Sherriff 's Office and the Federal Trade Commission know that my identity has been stolen, and fraud committed, this I solemnly do swear this date XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a notice from transition, XXXX, and XXXX that my XXXX XXXX/synchrony account was late for XXXX, XXXX, & XXXX of XXXX and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of XXXX so I have no idea why there is any activity occurring on the account ). I disputed it with XXXX, XXXX, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of XXXX ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. I have never been late and do not have a balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I received a Certifie mail with a bill from Pay Pal Credit Card I was surprised because I dont have a Credit Card with Pay Pal. So, I Call Pay Pal Credit Card Department at ( XXXX ) XXXX and they confirm that I have no Credit Card with Pay Pal. We spoke about how possible Identity theft ; And they recommended to make the report with Mail Theft, Credit Card XXXX, and Identity Theft. I already made the complaint or report to XXXX. XXXX XXXX XXXX https : XXXX online. This Letter stated that I have open and account on XX/XX/2022, with a new balance of {$4.00}, XXXX. I call but it was very suspicious asking personal information and form of payment. Even though i explain that I have no credit card Account with Pay Pal and also, I explained that the Pay Pal Account ID ( XXXX ) was not related to me but she insisted in a form of payment this the Phone No. XXXX if you need any additional information please call me ( XXXX ) XXXX or email me to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Acct # XXXX XXXX Department Store Credit Card. I have had my XXXX card for years never missed a payment. Always been a great customer. XXXX recently closed my account. I was making a payment from a bank account I rarely use. The bank thought it was fraudulent activity so they refused to pay XXXX. Due to no fault of my own. And because of this XXXX closed my account. I did call and try to resolve this issue. I also made a payment as soon as I discovered what happened I made a over payment for over the amount owed. They still closed my account. I do not want any negative impact on my credit score for a closed account. I did what I was supposed to do. Please take care of this. And if I have to get a special note on my credit report that states XXXX was at fault. Then I am in agreement with that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2022, I applied for a credit line with XXXX. I completed the application and received a message that read : " We require additional information. '' With that, my browser crashed and I could not get back to that screen. I called and tried to get answers. Over 2 hours, I was disconnected 3x, transferred around, and given conflicting information. I wrote to the office of the president and never heard anything back until today. I received a voicemail from someone claiming to be XXXX. She left a phone number and an extension. After trying that number 3-4 times, I still could not get through. I called and spoke to a manager and she said there is no record of my application at all. When I asked her why I showed the inquiry but they don't have the application, she could not answer. She also said she could not tell me how to remove the inquiry. So after nearly 2 weeks and hours on the phone, I still have no idea what the status of my application is. They asked me to re-submit it but now, my credit score is lower due to their mishandling of the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A hard inquiry and a new line of credit appeared on my credit report within the last few days for a store card with Lowes and was maxed out. I did not open this line of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for Synchrony 's CareCredit card at my XXXX XXXXs office in XX/XX/2020. It was marketed to me as the interest-free 24-month install payment that can help me afford XXXX XXXX for less than {$100.00} a month. So I set up an automatic payment online as advised. Two years later this XXXX, I was charged over {$1400.00} in interest. I called CareCredit and found out it was a deferred interest rate card. Even though I've made monthly automatic payments on my account, as long as I have any balance on my account by XXXX, I'd be charged a 26.99 % interest rate on the whole medical bill of {$2700.00}. As a consumer, I wasn't offered the opportunity to be educated about what a deferred interest rate means given this is not the most common credit card in the market. Synchrony 's online account portal doesn't highlight the fact, nor does it make recommendations for monthly payments that could help customers avoid the hefty interest at the end of the period. The first option of the monthly payment that I opted for was the minimum payment starting at {$85.00} a month. The monthly statement from the company also didn't highlight what it meant. When the so-called promotion ended, it didn't state so until the second page of the statement, after lots of ads. Not to mention their website is buggy and statements often failed to load. Email communications from the bank including all the ads, but no mention ever of the promotion period, deferred interesting rate, or the ending of it. Synchrony signed up most of their new customers through partners like my dental office, which are not always forthcoming to customers about the punitive interest rate policy and simply don't have incentives to do so because they want people to sign up for XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: This is a CareCredit Card..that i used for XXXX XXXX XXXX XXXX XXXX They charged Interest and fees on transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and ask them why these charges and they said it was a promotional deferred payment..if i paid within a certain time... i would not be charged ... I was not aware of this at all and was not told ... I told them i can not pay this amount of charges added to my bill and they said i had to pay ... XXXX XXXX XXXX XXXX XXXX retired person and i can not pay with ridiculous amount of charges that i did not know of... please help me ..i told them i cant pay and could i get the charges off or reduced and they said No..I can not pay this amount ... what do i do ... not pay anymore? And let it ruin my credit or what should i do? Thank you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: GUITAR CENTER / SYNCHRONY BANK closed my account without notice. I've been a customer since XXXX and i've had this problem before with payments but they've worked with me ... and they've never close this account. I called XX/XX/XXXX and the operator i talked to seemed very rude on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13208
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This credit card automatically enrolls customers in a Security Fee, that is 1.66 % of each monthly statement. The paperwork for this card, and their website, both do not mention that customers are automatically enrolled ; they instead call this an optional fee. I have read through my paperwork from when I activated this card in detail, and there is no mention of this fee being something customers are automatically enrolled into ; instead, it is called an " optional '' fee. I only noticed because I was being charged a " security card '' fee each month. It seems all users are automatically enrolled, as I have found comments of others ' complaints on online forums. For example, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' the amount of {$11.00} ; on XX/XX/2022, I was charged {$17.00} ; and on XX/XX/2022, I was charged {$34.00}. I believe this is deceptive, and it is not fair for them to automatically enroll us in a paid service and charge us fees without our consent and without customers ' prior notification. The only way to gain knowledge this is to be charged. The only way to waive enrollment in this fee and " service '' is by calling them ; there is no way to do so on their website. Their customer service makes it very difficult to drop this " service, '' as they transfer you to multiple other numbers, with long wait times. They also refuse refunds for fees recently paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A