Date Received: 2022-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXXXXXX associates does not obtain a legal license to collect any debts in XXXX state they have illegally attempted and has illegally impacted my credit score which has caused depression and extreme mental stress
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a payment agreement with XXXX. XXXX never appeared on my credit report. When CareCredit was purchased by Synchrony Financial, they went back and retro-dated numerous late payments, including 30,60 and 90 day payments. They stated that even though I had a payment agreement in place with them, that it was not enough to cover the minimum payments. One credit reporting agency reduced this to two late payments on my report, however all three reporting agencies still have these late payments on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act the creditor, SYNCB/JC Penny XXXX has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX lists a charged off credit card account with SYNC/B Lowes reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and 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 an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an Amazon store card that I stated using in XXXX. I just noticed that I have been receiving a charge that I hadn't noticed previously when checking the card statement. Went back as far as it allowed which was to XXXX. Seems I've been charged a credit card security fee for a while now. Called them and found out I've been paying it since XXXX. The fee amount which is 1.66 % of the total every month. I tried to get a refund and they will only allow a refund of the last 12 months. I feel as if I've been secretly thrown into a credit card scheme that they can legally do to take advantage of people. I asked for a supervisor and they refuse to give me the entire refund. I checked online and many people have been noticing the same charge popping up on their synchrony cards. One person said they were able to get a refund of for theirs dating back to XXXX. This has me extremely stressed out, please help and thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
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: On XX/XX/XXXX, I fully paid my Lowes Advantage Card in the amount of {$200.00}, as posted on my XXXX XXXX XXXX. In mid XX/XX/XXXX, about 4 1/2 months after I fully paid my Lowes Advantage Card , Synchrony Bank started emailing me, calling my phones, sending paper bill statements, including downgrading my credit score to collect the amount stated above. I attempted to dispute this {$200.00} amount several times as Synchrony Bank advised through their customer service but they never stop trying to collect the bill which I dont owe as I have been fully paid. I have sent proof of payment to different addresses their Synchrony Bank customer service gave me after believing, understanding the confusion they have made. XXXX spoke with her on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, all of them agreed with me and made a note or clearance for the disputed amount of {$200.00}. It was the XXXX XXXX discount that was not deducted from Synchronys posting. The XXXX XXXX is XXXX discount for cash purchases but I decided to close it because of its inconsistency of giving discount which I have been enjoying regularly. I have sent proof of payment to the addresses they told me to send. But with all those attempts Synchrony continues to send emails, phone calls, and bill statements and tainted my credit reputation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for a XXXX XXXX XXXX in XXXX. I made a few purchases and promptly made 2 payments on the account to keep the balance down since I was planning to use this card mainly for an auto pay medical bill. These payments were posted and credited to my account promptly. I set the auto pay up to start on XX/XX/XXXX. I made a {$350.00} payment on this account on XX/XX/XXXX to ensure that enough credit was available to cover the auto pay bill. Unfortunately my bill was not paid because a payment hold was put on the credit card account and didn't get released until after the XXXX of XXXX, even though I paid the account on XX/XX/XXXX. I was also charged a {$25.00} failure to process fee for the auto pay bill. I called customer service and it was explained to me that payment holds can happen to accounts under 6 months old and that it would not happen again once one payment had been put on hold. I made an additional payment of {$50.00} to more than cover the failure to process fee. On XX/XX/XXXX, I made a {$400.00} payment to the account to ensure that enough credit was applied to cover the auto pay bill and to reduce the remaining balance on the card. The payment was removed from bank account and shown to be made on the account but was not applied. I called customer service today, XX/XX/XXXX, to see why credit was not applied even though payment has processed and when it would be applied. Customer service told me my payment had been put on hold and credit would not be applied until the XXXX or XXXX. I relayed that the previous time this happened I was told that it would not happen again, and was informed that I was lied to by the previous agent. I asked if the hold could be removed and was told no. I asked if I could be reimbursed for the failure to process fee, since that wasn't my fault, and was told no, not their problem, you really just got screwed and there is nothing we can do. I asked to speak to somebody higher up and was transferred. The next CSR I spoke with told me that every payment I make is subject to a hold and it can not be removed and the failure to process fee is not their responsibility ( I honestly didn't expect to be, but why not try ). I asked for a credit increase ( didn't expect it, but again why not try ) and was told no. I was told there was nothing they could do to get the payment hold off, apply credit to my account and that my next payments could be put on hold as well. Even though the fine print in the account statement says that credit for payments will be applied by the next day or may be delayed up to 5 days. Not delayed for 15 plus days. I get it for one payment to be put on hold, but multiple is absurd. I didn't max the card out, I made multiple payments before the due date even and made them well in advance of when a charge to the account was to be made. As a single mother, working full time, I can not afford to have holds put on accounts and pay extra for failure to process fess when I made my payments. I can not let this auto pay bill be late again, so now I have to juggle my other bills just to be able to pay a bill that I shouldn't have to worry about. I was hoping to use this card to help build my credit but this has done nothing but damage my credit and create more stress than was needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX, XXXX, XXXX, XXXX care credit is saying I have missing payments when payment is in good standing with no missing payment. It is setup for autopay every month and has never been late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61115
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I tried to redeem {$25.00} from PayPal Mastercard ( Synchrony ) to my PayPal Wallet. The money was never transferred. I called Synchrony on XX/XX/XXXX and they told me it would take a day. I called in XX/XX/XXXX and Synchrony told me it would take 72 hours. I called on XX/XX/XXXX and they told me it transferred and I need to call PayPal because its on their end. On XX/XX/XXXX I called Paypal and they told me it was not transferred and that I needed proof from Synchrony, to which they said they cant provided. I was transferred and disconnected multiple times as each representative did not wart to deal with it. Paypal told me they would investigate and send me immediately a confirmation of the case number. This never happened. Each side blamed the other and left me short the {$25.00} I earned in regwards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08037
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My paypal account offered me a targeted credit card offer for 3 % cashback with a {$150.00} sign up bonus if {$500.00} is spent in first 90 days. Offer expired on the XXXX of XXXX. On the XXXX of XXXX I went on my paypal account to take advantage of the offer mentioned above and it was changed. I now have an offer to apply but the 3 % cashback and {$150.00} sign up bonus has been removed from the offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A