Date Received: 2022-10-12
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 am the originator of this account and am re-filing the Complaint identified as CFPB Complaint ID : XXXX against Synchrony Bank XXXX Synchrony ) regarding my Care Credit account. I also state that Synchronys excuse for not responding to this Complaint is invalid, as my husband, XXXX XXXX, who filed Complaint ID XXXX is an authorized user and Synchrony issued a card in his name ( See Attachment ). This is yet another example of XXXX tactic of avoiding resolution of the stated problem. Other examples include their losing prior filings requiring us to resubmit the disputes as well as ignoring letters addressed to the CEO of Synchrony Bank and its Parent, Synchrony Financial. Other examples include testimonials supporting a dismal Better Business Bureau rating of XXXX in which a few of them are included in the attachment. Note that the complaints reference irregular billing practices. We also have received conflicting status comments ranging from ignoring our requests to applying partial credits to advising that it would require XXXX days to apply provisional credits also no applicable accrued interest adjustments have been made. As of this writing, the matter remains unresolved. RESTATEMENT OF COMPLAINT ID : XXXX There are several unauthorized charges posted to my XXXX - Noom {$18.00} and {$49.00} and XX/XX/22 - XXXX XXXX XXXX, 3 charges of {$79.00} each. The Noom charges should be reversed, as I canceled this program during the initial trial period with no charge per their policy and the latter charges from XXXX XXXX XXXX were unauthorized. I filed a formal dispute using the bank 's forms and process and no action has been taken. Although I am an authorized user on the account, their customer service staff will not discuss the matter other than toy advise that the credits have not been issued. I wrote to the bank 's CEO as well as to the CEO of the bank 's Holding Company and a response is pending. However, considering the disgraceful ( and possible illegal ) handling of the matter by their customer service employees, I am not expecting any satisfaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a care credit card with Synchrony Bank this past summer. I have a zero % interest on a portion of the balance good for 12 months and I have a portion that has a 14.99 % interest. I have called every month and asked them to allocate my payments and then they apply however they want. I realize they are doing this so my payments don't post correctly and then they can charge me all the interest that I would have saved with the zero % interest. I have called them twice in XXXX, twice in XXXX, twice in XXXX and once in XXXX. This is a SCAM company and I can't get anywhere with them. The supervisor I spoke to on XX/XX/22 reassured me it would get corrected and I just called today XX/XX/22 and they said it will take 1-2 billing cycles. this is unacceptable by me because its a part of the SCAM they are running. Please help me get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Synchrony Bank billed me {$230.00} on XXXX XXXX credit card statement with no explanation of the charge. XXXX XXXX says they did not charge my card. I submitted a fraud inquiry to Synchrony, they said it was fraud, can explain what the charge is for and demanded payment. I paid the charge to avoid finance charges and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used PayPal Credit to fund several purchases. On XX/XX/XXXX, I made a complete payment on my balance, {$570.00}. PayPal took the full amount out of my account, than a day later, charged me the full amount again. This overdrew my account, I called my bank, and the charge was reversed. Than, just yesterday, PayPal charged me the full amount again. I called them, they agreed it was a mistake, and said they'd send it as a check in the mail. I have bills I need to pay NOW, and my account is overdrawn. My rent check just bounced because of this, and now I'm at risk of homelessness. This is unacceptable, and I'm freaking out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
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: My cat was hospitalized at a vet. I was charged for an XXXX that I did not authorize. The provider is lying, saying I gave verbal authorization, but I did not. in addition, during my last conversation with the doctor, he suggested the next diagnostic tool would be an ultrasound. They would not give me my cat back until I paid and would not provide me an invoice until I paid first, therefore I did not see the charge. ive tried to dispute this charge several times with care credit unsuccessfully. I have the initial estimate that I signed, which does not include an ultrasound. The provider stated I agreed to miscellaneous charges, which I was told would be for medicine, not an ultrasound. A ultrasound would be listed separately as a diagnostic tool. This contradicts them saying I verbally agreed. Had I verbally agreed they wouldnt need to ask since I already authorized miscellaneous charges only for medication. Furthermore, the miscellaneous charge amount was {$300.00}. The amount I am disputing is {$490.00}. So even if I had agreed the amount was more than I agreed to. When I initially brought this up to the provider, I was told by the nurse that the ultrasound had not been performed and they would adjust my bill accordingly. Later on I spoke to someone else and they said that the ultrasound had been performed but they didnt know where the results were. After that, they changed the story again saying I verbally authorized it, and a doctor spoke to me about the results. Again thats never occurred. Carecredit said they will no longer dispute the charge. Please assist me with this matter. As you can see from the estimate I agreed to, no ultrasound was listed. Each diagnostic test was listed separately. I appreciate your assistance. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: syncb XXXX fraudulent credit check never applied for credit fraud XX/XX/2022 credit inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Pay Pal Credit sold a debt to XXXX XXXX XXXX I have for the past XXXX years requested the original application/validation demonstrating that I personally applied for this loan. They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called multiple times today and in the past in reference to synchrony Bank with the CareCredit account card. They miss apply payments whenever there are standard charges they apply them to the promotional balance instead of the standard charges and then charge you interest. They refuse to reverse the interest charges. No other credit card company does this. They day you have to specifically call to get the payments applied to the standard purchases in order to avoid interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SYNCB paypal XX/XX/2021 hard inquiry fraud inquiry never applied for this credit/loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: PayPal Credit owned by Synchrony attempted to collect a payment from an unauthorized checking account twice, resulting in insufficient funds fees on both occasions. The PayPal Credit website presents options to choose from where you would like to make a payment to your PayPal Credit account. This list of accounts is pulled directly from the PayPal Wallet linked to the same account holder, which is managed and controlled by PayPal and NOT Synchrony. However, the list presented on the Synchrony website contains invalid data consisting of account and routing number pairs which were NOT " verified '' in the PayPal system. Accounts that have not had their ownership verified through the standard PayPal process ( which I can only guess is covered by their legal terms and conditions ) should NOT be presented as a possible source from which a payment can be made to the outside/separate Synchrony credit account. Because I only expected a single line item for my normal checking account, I chose the option clearly labeled " XXXX XXXX XXXX XXXX checking '' and authorized a single payment, but unfortunately, Synchrony attempted to charge the UNVERIFIED account instead of the usual one, as a result of the bad information presented on and by their website. When this payment failed, another attempt was made, resulting in the second aforementioned insufficient funds fee. Synchrony 's representative claims their institution did not make the 2nd attempt but rather PayPal made the 2nd attempt directly. I do not know, but either entity should have had absolutely no way to attempt a payment against an UNVERIFIED ACCOUNT. While I recognize this is not outright fraud as it would be if some entirely other person made the payment illegally, this issue still clearly needs addressed. This is highly misleading, possibly against their own terms of service, and results in financial damages and hardships for people who don't deserve - average consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16001
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A