Date Received: 2022-09-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I did not receive last month 's statement via XXXX. I received an email stating on Monday ( XX/XX/2022 ) that I had missed a payment. I always pay the full amount by the due date every month. I have been erroneously charged a late fee of {$29.00} and interest charges of {$25.00}. My son called this morning to speak to a customer service rep ( CSR ) XXXX about this irregularity and potential fraud to customers by Synchrony Bank mastercard account. I monitored the call via the speaker phone and the call was recorded by Synchrony. The CSR stated that someone over the past 30 days had changed the account to receive an electronic copy of the credit card monthly statement. This is a complete lie. She stated she would correct the account to again receive a hardcopy statement. Yesterday ( XX/XX/2022 ), I received my hardcopy via XXXX from Synchrony showing the late fee and interest charge. Meanwhile, my son paid the current statement bill, including late fee of {$29.00} and interest charge of {$25.00}, per the instructions from the CSR to avoid any further late fees and interest charges via a debit from checking account via the Synchrony online website while still on the phone with the CSR. We confirmed with the CSR that the payment was received on the phone and via an online confirmation number. However, my son informed the CSR that this action by Synchrony appeared to be FRAUD AGAINST CUSTOMERS. I am notifying the CFPB to take action against Synchrony for potential fraudulent activity against credit card customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX XXXX, 2022, I opened a Walgreens/ Synchrony credit card ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX with the promise of getting {$500.00} to use immediately when I am approved and when the virtual card was scanned. I was told after the physical card comes in the mail, I would have a XXXX dollar limit. I tried to make an {$83.00} purchase in Walgreens and the bar code would not scan. After several failed attempts, I had to cancel my purchases. I called customer service and was informed that the upfront {$500.00} limit feature did not work ; no further explanation was given. I threatened to cut up the card because I needed the purchase that day- the hurricane was coming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open 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: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Synchrony Bank processed 2 {$43.00} EFT payments from my bank account instead of one for a monthy XXXX credit card payment. Instead of just crediting back one payment, the rep. stated that I had to wait for a refund check to arrive in about 15 days. Secondly, a separate payment was also made to my amazon store card. Instead of processing 1 {$35.00} EFT monthly payment, Synchrony Bank processed 3 EFT payments. I do not want to wait weeks for a refund check for their mistake!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have joined XXXX XXXX XXXX using several accounts. Synchrony is one of the companies that I have settled with and paid off for an Amazon Store card. I believe I also had a Discount Tire card that got behind at COVID when it was around {$600.00}. I don't understand why they can call the phone I buy for my business and keep my voicemail full all of the time. And it doesn't show on my display. I don't see how to block the number. The voicemail always starts in the middle, is automated and says call back XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75803
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: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end 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: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: To whom it may concern, On XX/XX/XXXX, I signed up for Carecredit with Synchrony Bank after the billing department at my dentist 's office recommended it. Neither the dentist billing person nor the Synchrony Bank salesperson mentioned that the no-interest promotion expires in 12 months. So I signed up for Care credit under the impression that it'd be interest-free and set everything up for auto-pay. I just found out yesterday, on XX/XX/XXXX, that I have been charged {$910.00} in interest when I have already paid it down to about {$1600.00} from {$2300.00}. I did not receive a mail, email, or phone call about the expiration throughout the whole 1.5 years that I have had Carecredit. I have vision impairment so I struggle to read fine prints. It felt very deceiving, dishonest, and frustrating. I would have never used Carecredit if I was adequately made aware of the 26 % interest rate after the promotional period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for CARE CREDIT a couple of times and was recieving an inconclusive response with a link to the credit bureau. I need to get approved for care credit in order to receive medical treatment. I called care credit they told me i should just apply again, i applied numerous times and have been getting the same response. Care credit has not helped fix this issue and i havent been able to pay for my healthcare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00725
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2022, Paypal deceptively processed an application and issued a {$3000.00} line of credit for my account. This incident occurred while I was attempting to log in to my account on mobile to look something up. On login to the portal, I was immediately presented with a prompt to verify some of my personal information. This appeared at a quick glance to be a compliance related verification prompt, and since I was in a hurry, I did not read the rest of the screen closely. I accidentally continued through the next screen while I was trying to figure out what I was looking at, and then noticed that PayPal was processing a credit application. There was a link on screen to cancel this application, but it was already too late by the time I tried to tap it. The following screen notified me that I had been approved for the credit line and took me to my account. I have contacted PayPal to close the account immediately, and I am requesting that all inquiries be removed from my report. I am assuming that I will also have to contest these inquiries through all of my individual credit reports. Regardless of the outcome, I believe that PayPal 's deceptive and predatory lending practices should be investigated. It should not be possible to accidentally apply for a loan this easily, especially when I never even expressed intent or attempted to initiate the process. PayPal is clearly relying on what is called dark UX ( user experience ) patterns, by mixing these links in forms into an essential workflow ( login ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A