Date Received: 2022-09-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2022 I learned my Synchrony XXXX XXXX account as sent to collections, although my statements show the account current. Synchrony sent me to collections after rejecting a proposal from a debt management company XXXX XXXX XXXX XXXX XXXX, and the payment sent in my XXXX XXXX. I asked about the status of the account, and a copy of my statement, and Synchrony told me a verbal cease and desist order was placed on my account with a telephone call XX/XX/2022. I was at work, in a team meeting, when the supposed phone call was made. There's some fraud or identity theft going on with my account and I reported the incident to the police. Synchrony has never investigated that phone call and it's hard to find out what is going on with my account. I have been requesting for three months with Synchrony Bank, Care Credit card, that a cease and desist notice be removed from my account. I faxed a letter XX/XX/2022. I have been calling in for three months to follow up on my XX/XX/2022 letter, requesting the cease and desist order be removed. I also need a letter stating the account is paid, closed and settled. They won't send me a copy of the letter due to the cease and desist order I never authorized. I need the settlement letter to update my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I've had issues with the last 3 billing cycles specifically with care credit company. I am not fully aware of the interest accrued as well as late payments they say were missed. I've been charged unexpected late payments which has affected my credit score as well as balance on card. Every time this company stated there was a late payment I've had to call and speak with different representatives just for them to remove the inaccurate late pays. I need a solution to this frequent problem. I don't feel good as a consumer knowing that this issue has occurred on multiple occasions. I've had to reach out to the financial institution they withdraw money from due to care credit stating they've never received payment from my account and sometimes payments were taken out twice and they stated it was nothing they could do about it when I reached out. The representatives were extremely rude when needing help. There should be no late fees as well as accrued interest. My credit limit has even decreased from {$800.00} to {$550.00} due to erroneous information they stated was on my consumer report. I do not agree with this and the company has to be held accountable for their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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 have an overpayment of {$1900.00} and I am having difficulty getting them to return my money and within a timely manner They didn't return the fee charged for the warranty but returned the unused product
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95370
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I ordered a bottle of XXXX " XXXX XXXX XXXX XXXXXXXX '' perfume on XX/XX/2022. through PayPal account. The merchant originated in XXXX. His name is XXXX XXXX. He never sent the merchandise ; but PayPal charged me {$62.00}, with service fee. The perfume cost {$57.00}. PayPal claims they have a proof. Please help, because this is a fragulent activity. It is been 2 months, where is the perfume?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85053
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never agree to theses two companies to be on my credit report XXXX XXXX XXXX and Synchrony financial I'm trying to build my credit not tear it down
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted XXXX XXXX XXXX XXXX on several occasions to obtain a receipt of payment for a debt with Synchrony Bank. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I made a purchase at XXXX on XX/XX/2021. The sales helped me apply for financing for the purchase, however they told me I need to pay off the purchase by promotion period I told them ok, I'll just set up direct deposit, they take what they need within that promotion period. The items were sent to me XXXX damaged. XXXX was really helpful and placed a replacement order for me. After getting the furniture, I waited for months to get my statement. Right after I got my first bill, I saw that it was late. So I called immediately to ask that they bill my account for the needed payments ( I forgot when that call was made ). Next month, I see the funds drawn out of my account. And it has been drawn out of my account since. I thought all was good, and everything will be paid off in the agreed time ( as all my other finances ). Until I got the last bill, this is a bill for XXXX that I just got. I saw my total was at XXXX which was strange because my purchase was for XXXX. When I saw that, I immediately contacted the card issuer ( synchrony ) and they told me it was $ XXXX interest. I question the rep and she told me she can do nothing about that. I called the store, thinking it was store problem when they told me this is the bank ( synchrony ) issue. I call synchrony again, asked for a XXXX, and the XXXX basically told me, doesn't matter I had funds on my bank account, their system indicate I chose to pay only minimum ( false because I told the rep who took my first payment, that all that was necessary to get this paid off in a timely manner ). I tried to tell her her reps set up my account wrong but she refuse to listen. She said the minimum collection was written on the bills, why did I not pay attention, find the error, and corrected them? Why did I not pay attention to how they collect my money? I'm practically speechless to that. I gave them full access to withdraw from my account, I keep watch to make sure there was at least {$2000.00} in the account so their payment will not be blocked, and I still need to make sure their staff wrote in the right # on they system so they could collect the right payment from my account? Ok, even if this is my responsibility, to make sure she's doing her job right. Would it be too much to ask that she notify me that she's about to charge me $ XXXX interest? I finally saw during my call with the synchrony XXXX, that if I was clueless to her methods of collection, I will have to pay $ XXXX for a {$4000.00} debt, and that is 17 years of payment plan she had for my account. I can pay off whenever but I refuse to let synchrony get away again with cheating people out of their hard earned money ( i have heard others complain that they do this to all their customers ). I checked with other lenders ( not synchrony, another bank institution I have finance with ), they all say they have a rule of at least attempting to call their customers before the promotion period for debts ended because the interest would be costly for the customer. I got nothing, no call, no mail notice -- no i got a mail, a super late statement ( issued XXXX, I received XXXX ). I want them to confirm their rep had made a mistake and that they will fix their issue. When they fix, they can contact me to have the account paid off and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. XXXX XXXX has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for Synchrony XXXX for a paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I tried to close my PayPal Credit account. On their website, there was a message that said to call XXXX to do so. When I called ( about an American account ), an XXXX woman was the rep and asked me for my full name and SSN. I gave it to her. She then told me I was nowhere to be found. That is impossible. Even with my full name and SSN she could not find me. We ended the call. I then searched on XXXX and found that this has happened to many others. I believe it's an XXXX scam to get our name and SSN and fraud us. Please help. Please find out who's behind that phone number and shut them down. I am worried that something will happen with my SSN now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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 XXXX XX/XX/2022, I purchased items from XXXX XXXX online using my Synchrony Bank Pay Pal Credit Card. The order number was XXXX. On or about XXXX XX/XX/2022, I received notice from XXXX XXXX XXXX, an agent of XXXX XXXX, that the items that XXXX XXXX shipped to me were counterfeit. I sent XXXX XXXX XXXX a copy of my invoice to let them know that I did order the items from their client, XXXX XXXX and after nearly a week, XXXX XXXX worked with XXXX XXXX and determined that the items they sent to me were not counterfeit. Approximately, one month later, I received notice from XXXX XXXX XXXX that XXXX XXXX once again believed that the items that they shipped to be were counterfeit. I explained to them that we had just gone through all this but it now made me suspicious that if XXXX XXXX and XXXX XXXX both believe they shipped me counterfeit merchandise, then they must be counterfeit as the merchant would know their own items. I contacted Synchrony bank and explained the situation to them and that I suspected XXXX XXXX, based on two separate notifications to me that XXXX XXXX believed they sent me counterfeit merchandise that indeed my item were counterfeit. I asked them if I should notify local law enforcement or give the suspected counterfeit merchandise to a postal inspector as I believed that knowingly shipping counterfeit items is a crime, specifically 18 U.S. Code 2320. SInce XXXX XXXX, per XXXX XXXX XXXX, believed that they knowingly shipped me counterfeit items, per XXXX XXXX, then I wanted nothing more to do with these items since they may be counterfeit. I was told Synchrony Bank would get back to me when they opened the dispute. On XXXX XX/XX/XXXX, without any explanation or information to me, Synchrony Bank closed their dispute and the charge for the counterfeit goods ( alleged by XXXX XXXX, per XXXX XXXX ) was placed back on my account. On XXXX XX/XX/XXXX, I noticed the charge was posted to my account and explained that I should not be responsible for counterfeit items that were sold to me by XXXX XXXX which, per XXXX XXXX XXXX, XXXX XXXX had " validation '' that these items were counterfeit. I asked why the dispute was closed without Synchrony Bank seeking any additional info from me and was told they heard back from the merchant. I too have documentation from the merchant which calls into question the veracity of the authenticity of the items I received. It is my understanding that most eCommerce purchases result in customers receiving the genuine items they originally ordered. Occasionally, however, a cardholder will purchase an item that is not what it seemed to be. In other words, the merchandise is fake. Counterfeit goods can range from car parts and electronics to XXXX or musical instruments. However, designer goods represent a large part of this market. Buyers may find shoes, handbags, or sunglasses offered at unbelievable discounts, only to find that the item is an imitation. And as if feeling cheated werent bad enough, some faux merchandise may pose a serious risk to buyers. Products like pharmaceuticals, vitamins, contact lenses, cosmetics, and more must past rigorous safety inspections before being sold. Knockoffs of these products, however, are not monitored, and may be dangerous. If a customer makes a purchase, but the goods turn out to be fake, the customer should contact the merchant to demand a refund. But, if the merchant is unresponsive or not helpful, the buyer would be entitled to a counterfeit goods chargeback. A counterfeit goods chargeback can happen in cases where goods sold as name-brand merchandise turn out to be imitations. Fortunately, any chargeback with a counterfeit goods reason code should be the result of a mistake on the part of the merchant ; the seller didnt disclose that the goods were not genuine items. Synchrony Bank did not provide me the protections to which I am entitled and it is XXXX XXXX, the merchant, who told their agent XXXX XXXX that the item XXXX XXXX sent to me were counterfeit. But for XXXX XXXX contacting me I would have had no idea that I was the recipient of counterfeit merchandise. Synchrony Bank should not be able to condone the selling of counterfeit items and should not punish a consumer for seeking help for items that could ( per XXXX XXXX ) be counterfeit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A