Date Received: 2022-09-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Synchrony Bank. I notified them on XX/XX/22 that I was moving and gave them my new address. They froze my account the first time when I tried to charge to get a XXXXXXXX alarm system put in my new home. They froze my account for a SECOND time when I tried to charge a riding mower from XXXX XXXX ..... BOTH times I had to go through a ridiculous XXXX step procedure which included taking a XXXX second video of my face and photo coping both sides of my drivers license then they sent me a long verification code. Today I charged XXXX dollars at XXXX XXXX, then went to XXXX XXXX where they froze my account for a THIRD time, this time their fraud department told me I had to wait for a letter from them with some sort of code and then call them back, probably to do the 5 step procedure for the third time. Their fraud department which I believe the call center is not located in the United States does not understand and are too XXXX to understand the correct procedures to look up and see when someone has moved and has notified them in advance that they were moving.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
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: The company 's name is Paypal Mastercard issued by Synchrony Bank. Phone number is XXXX. The other party is XXXX Inc I subscribed to XXXXXXXX XXXXesting out their svcs for a few months. It didn't work for me so I decided to cancel the services. In the cancellation phase, I was told that if I fully canceled all my account info would be deleted but I should take the option of pausing the billing and I could come back at any time and restart. I took that option. I didn't go back to the website after doing this pause XXXX of 2021. I have been paying down my paypal synchrony card & noticed it was still increasing even though I was hardly using it. I decided to check my account and saw a charge in XXXX from XXXX which I had not authorized. I contacted the company after logging in to my account on their portal and seeing where they had restarted billing in XXXX of 2021. They had not notified me by email that they were doing this nor did they ever send me even one email over the course of 16 months with any billing reminders, statement, nothing at all. I had not given them authorized to restart billing me and was unaware of it. Not one email have I ever received from them over that entire period of 16 months. I reached out to their support dept about how upset I was seeing that they had been charging me all this time without my knowledge or authorization. The first rep confirmed that she saw that I paused the account in XX/XX/2021 & never logged in or used it again after that but they don't do indefinite pausing and their system automatically started billing me again. I asked why I did not receive a notification of this as every merchant I do business with gives me that courtesy. I was told they were not required to by law. She decided to give me a refund of 4 of the charges on XX/XX/XXXX & told me the next day upon checking with her superiors she was only able to credit me one more payment as her system would not allow her to go back and do more. She advised me to open a fraud claim with my cc provider to get the other 11 payments. I opened a claim with paypal synchrony bank, I was transferred to their dispute department who opened a dispute and then told me the most they could help me with was 6 months, they then transferred me to the fraud department as they stated they were better able to serve me and go back as far as 2021. The fraud representative closed my card and issued me a new one and advised me that I need not worry they would ensure that I get all my payment refunded to me. I explained that the merchant had already refunded me 5 payments and I was only seeking the remaining 11 payments. By now the 5 payments from the merchant was already showing back up on credit card. A few days later paypal reversed the refunds that the merchant gave me. When I called to find out why they did that, they said it was their own provisional credit they were reversing. I complained about that not being true as the refunds were already on my account when I called them. A few days later they gave me 7 credits. A few more days later they reversed 3 of those 7 credits leaving me with 4. When I called they claimed it was because the disputed department was closing out the file and that the fraud department would take over and credit me back. A few days later the final 4 credits I had was reversed so now I had no credits at all. I called on XX/XX/XXXX and was told that the fraud department had closed my case and sent it back to disputes as this was not considered a fraud case. I then called the disputes department and was told that they were working on it. I explained that they kept sending me numerous letters stating they were crediting me while they conducted their investigations but no credits were showing up on my account. I asked them to please put back on my account the five refunds that XXXX gave me because after all the runaround they have been given me, I felt unsafe with them, I also did not trust that they were operating in my best interests and that the disputes department told me previously that they sided with the merchant and ruled against me and this is why they refunded the merchants credit back to them. This is when I realized I needed help from either the Better Business Bureau or the Consumer Finance Protection Bureau. Please help me. Sincerely, XXXX XXXX XXXX & they took me all over the place between filing a dispute, reversing the 5 payments that the merchant gave me, transferring me to a fraud claim, closing it & sending it back to disputes. Basically I now have neither the 5 credits the merchant refunded me nor the other 11 payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am charged XXXX interest with PayPal Credit and am paying off one of their loans. I set up 2 payments for {$150.00} one to clear right away on XX/XX/XXXX and one to clear on XX/XX/XXXX or so to get more payments on the loan to eliminate it. I had to cancel the XXXX payment and they cancelled both. I was charged a XXXX fee for a XXXX payment, which again due to their bad website triggered two cancellations. I would like to get the fee reimbursed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Lowes credit card services from the moment I got the card some very strange things have been happening on it. Ive received emails about inquiries into my credit report even though Ive only had the credit hard 7 months. Out of any of my card this one is always sending me random email and purchases I didnt make unlike the other ones. It now check my credit without contacting me and then sent me a letter via email that stated my credit card was changing even though I never authorized this. I was suspicious before this happened but now this confirms what I had been worried about. They accessed my credit report without my authorization. Im contacting the company as well to tell them I do not want to deal with them anymore and they have no right to continue to do this. Also the emails I receive have links that dont go anywhere. This happens with most of the emails they send but this one had an identity thief link that didnt work. The reason I know this isnt normal is no other company has done this. Another reason is the companies have to ask for authorization before they accesses my credit report lowes is the only one who never does and did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: CareCredit charge XXXX from my account which was the same amount loan after I filed a complaint they send me XXXX and my bank took XXXX in addition my dentist refun XXXX to Carecredit after that XXXX XXXX XXXX remove the credit and told me they never got a refund from Carecredit call Carecredit and they said they never got a payment from XXXX XXXX XXXX strange since this was the money they refund plus its on the statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: filed a dispute regarding this account ..did not recieve documents used to verify this account creditor and XXXX bureau has refused to remove this account from my credit profile which is hendering my ability to purchase a home
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am filing this grievance as I created an account to monitor my credit and see that I have been impacted with a 30-day late from XX/XX/2022 which has dropped my scores close to 100+ points with the credit bureaus. My frustration and the purpose of this compliant is due to the fact I changed my bank account information online which apparently did not save, hence creating the issue with the payment. I tried reaching out to customer service but it was impossible to get a live person. I reached out via the chat feature which was of no help at all, so I gave up and made a manual payment, problem solved. So I thought. I enjoy the use of my PayPal account and have had it open for some time with no issues. I take my credit obligations very seriously & feel I have displayed that I am not a credit issue customer who is negligent with my account. I would like the XX/XX/2022 30-day hit with the credit bureaus reversed due to issues with the online account and customer service availability. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to Synchrony XXXX XXXX XXXX I spoke to XXXX XXXX XXXX and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. I have in the past requested documentation with no resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money. UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me. 15 USC 1602g - I the consumer am really the creditor!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just learned a Paypal credit account was established in my name and using my personal information through Synchrony Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a Paypal credit card. On XX/XX/2022, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the Paypal credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. On XX/XX/2022, I also contacted the card issuer, Synchrony Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A