Date Received: 2022-08-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I attempted to make my monthly payment on XX/XX/XXXX from my linked XXXX account. I received a notice that the payment was returned but with no explanation. I attempted again the next day to make a payment from my linked bank account and it was returned. I called and spoke to customer service and they said it was an unknown error and suggested I unlink/relink my XXXX account. I attempted to do so but couldnt get them to link back up. Another strange error. The late fee was waived but no explanation of why the payment was being returned. I finally just used the IVR phone system and paid. While it was a different account I still never received information as to why my attempted payments were reversed. I then received a letter from PayPal credit on XX/XX/XXXX stating they were asking the credit bureaus to delete any delinquency from XX/XX/XXXX - XX/XX/XXXX. Ive never been anywhere near 30 days so Im concerned why I was receiving this letter. I then accessed my account today and there is a statement on the app saying my PayPal Credit account has been closed. There has been no notice or other information provided as to why this occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Someone tried to apply for a credit card thur Synchrony Bank for a Walgreens credit card. I pretty well know who the offender is, just proving that will be my only problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This company will not process my payments. I have a new bank account at XXXX XXXX ending in XXXX. I have added this bank account into their system numerous times. I no longer have account ending in XXXX. I set up for minimum payment to process and found on XX/XX/XXXX that my payment never processed. I put in to make the minimum again and also just decided to pay the account off. Payments never processed, it was as if it never happened. Anything relating to my new bank account ending in XXXX will not post to my account and they keep acting as if it never happened. The account is so far past due now I'm sure it has gone on my credit report, it is over 30 days past due. I have over {$16000.00} in the bank. The money is there. The money has been there. I see on Care Credit website my 2nd attempt to pay the account off on XX/XX/XXXX says REJECTED. The bank account and routing number is correct. I use dual monitors and copied it off XXXX XXXX website number by number carefully. The money is there. I am attaching my bank statement here for proof. I think Synchrony is just trying to ruin my credit so they can up my interest rates and also extort late fees from me. I am good for this money but they currently have the account in COLLECTIONS. I have the money, I am trying to pay the money, they won't take my payment. Then it's fees and bad remarks on my credit. Someone needs to stop this and make them take my payment. I don't like having to pay these fees for something beyond my control. I don't like having my credit ruined and being put in collections when I have the money and want the account paid off. I have been a good customer for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was never my account! I'm not aware of this account. I never signed a contract with this account. I should not be held accountable for this account because it is not mine! I have already asked this account to validate this account, and it has failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The account was initiated on XX/XX/XXXX at approximately XXXX XXXX, due to an emergency with my cat at the XXXX XXXX XXXX. We had been quoted by staff at the XXXX XXXX XXXX XXXX the emergency costs could be as much as {$3000.00} which would be a huge burden to our family. The XXXX XXXX had advertisements for Care Credit so we completed an application from my cellular phone while in the waiting room. The application stated there would be no interest for a specific period. At no point did I see anything about " credit protection '' services which would not be something I would take because this is protection for someone who could lose their job and not be able to make a payment. I have been at my job for more than 20 years. After receiving the first statement in XXXX of XXXX my husband made our first payment. We did not notice there had been an additional charge added to the account for credit protection. In XXXX of XXXX, we had a family emergency that landed my father in the hospital and after 12 grueling days he passed away. My husband noticed there were charges being added to the bill which he called Syncrony Bank, the servicer of Care Credit. They explained all the charges to him however they refused to cancel the credit protection. Today, XX/XX/XXXX I called Syncrony Bank, the servicers of Care Credit and asked about the credit protection services. The representative explained I would have needed to " opt-out '' at the time I applied for the credit, and then went on to explain this is serviced by a third party and I would need to be transferred. The process was very convoluted and I can see how many people get stuck with this charge. The representative did cancel the credit protection for me, but refused to back-date or remove any other fees. I asked how I can escalate this or contest this and they said it was impossible. I explained that requiring someone to " opt-out '' is a hidden predatory credit tactic and they didn't have any response. I have attempted to resolve this with the credit company/bank . This predatory measure needs to be resolved. A customer, who is in a difficult situation when applying for emergency credit, is not going to be in a clear state of mind, and would not be thinking they need to " opt-out '' of something in order to proceed. This is a much more serious matter than just my personal expense of {$100.00} in credit protection fees added to my account. Additionally, it is not clear how my payments have been applied to my account with the fees. There is supposed to be interest-free on the care credit if paid within x amount of time. It can be seen on the statement they have applied different buckets to the charges and started to charge interest on the credit protection services which is absolutely unacceptable. My statement dated XX/XX/XXXX shows {$1.00} in interest charged from the credit protection services balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My Statement balance {$2100.00} Minimum payment due {$240.00} Payment due date XX/XX/2022 Amount to avoid Standard and Deferred Interest on your next statement* {$2100.00} My account is negative from fraudulent activity. I need the credit company to work with me to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, My mother assisted me with opening an account to help with XXXX XXXX. My account was approved immediately, and on XX/XX/XXXX, I used the card to pay the remaining balance on the day of XXXX to XXXX XXXX XXXX XXXX The XXXX office submitted my personal and driver 's license information to Care Credit when they charged my card funded by Synchrony bank. Today we learned that my date of birth was entered incorrectly, preventing me from accessing my account or creating an account. When we called to inquire, the Synchrony representative only verified the last four digits of my social and Care Credit Card and date of birth, which was incorrect. They would not allow me to correct it online, even if we inadvertently entered my mother 's DOB or sister 's DOB, or confirm that was the case. The Rep or Supervisor did not verify my address, the purchase, or other information. Claiming they were protecting my security and personal information, but the only option to verify my identity was to mail my driver 's license ( 3rd party since I do not have a fax ). When you call Care Credit, owned by Synchrony, providers have an option so if they want to verify or update my information, there are other ways instead of putting my identity at risk by faxing or mailing. Supervisor XXXX also suggested to my mother to email a copy of my driver 's license through my account since she agreed the two options were a huge risk. I challenged her when I pointed out the account was approved with an incorrect date of birth and used, and now they are making it difficult for me to correct the issue and access my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
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: The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 1. XXXX XXXX XXXX XXXX XXXX XXXX : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a zero balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 2. Syncb/Walmart XXXX XXXX XXXX : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 3. XXXX XXXX XXXX XXXX XXXX : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Delete for inaccuracy, because actual payment amount is missing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I booked a hotel through XXXX and paid {$990.00}. I left earlier and paid on my way out in the snount of {$450.00}. I have contacted both XXXX and PayPal Mastercard about the dispute. The {$990.00} is still reflecting in the balance owed to paypal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37801
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account SYNCHRONY NETWORKS XXX Opened XXXX. XXXX, XXXX with a Balance of {$8000.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A