Date Received: 2022-08-12
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I want to make a formal claim against PayPal Credit for cashing a check on XX/XX/XXXX for {$1800.00} issued by my bank ( XXXX XXXX XXXX ) and not crediting my 'PayPal Credit ' account for which it was issued. I have a credit card with the XXXX XXXX XXXXXXXX and, as we all know, commercial banks frequently offer 0 % interest for balance transfers from other credit cards with higher interest rates. XXXX XXXX XXXX offered this 0 % interest balance transfer in XX/XX/XXXX. I also had an account with 'PayPal Credit ' for my purchases. I wanted to use XXXX XXXX XXXX XXXX offer to pay a portion of my PayPal Credit balance at the time and I requested XXXX XXXX XXXXXXXX a {$1800.00} balance transfer for the PayPal account charged to my XXXX credit card. XXXX XXXX XXXXXXXX issued a check for {$1800.00} and sent it to PayPal. The check was received and cashed by PayPal on XX/XX/XXXX, I have proof of it, but never credited to my PayPal account. DETAILS : In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) offered me a 0 % interest balance transfer to be charged to my XXXX credit card. At the time, I had a PayPal Credit account balance and I decided to use XXXX offer to pay off some of the PayPal outstanding balance. I provided XXXX with all PayPal Credit account details and XXXX issued a check ( No. XXXX ) dated XX/XX/XXXX for {$1800.00} and sent it to PayPal. The check was received and cashed by PayPal on XX/XX/XXXX. After a reasonable amount of time, I checked my PayPal Credit balance and noticed that {$1800.00} had not been credited. I called PayPal Customer Service, after many questions, the representative indicated that the above mentioned check had not been received. Next, I called XXXX and they confirmed that PayPal had in fact received and cashed the check on XX/XX/XXXX and a photocopy of the check was provided. ( photocopy to be provided upon request ). Since then, the long and tiresome phone calls and inconsistent responses from both sides began. Both entities kept sending me back and forth indicating that I should deal with the other one. In the meantime, PayPal accepted and issued a credit of {$1800.00} they said while the investigation was undergoing. However, they also indicated that they may reverse the credit if unable to locate the payment, which in fact occurred. They did not find the payment and reversed the credit. Throughout the year XXXX and part of XXXX, I made many calls to both entities and the answer was always the same. I managed to get an appointment for XX/XX/XXXX with a XXXX representative, XXXX XXXX XXXX at the Branch in XXXX, XXXX VA. The meeting lasted for about two hours during which the representative made several phone calls and finally said that there was nothing XXXX could do because they had proof that the check was received and cashed by PayPal and that, for them, the case was closed. I asked XXXX XXXX to provide me the outcome of the meeting in writing. XXXX XXXX indicated that he would send me a letter in that sense but a formal letter from XXXX was never sent to me. I waited for months to be contacted by either party, hoping that any of them will finally locate the funds. No one contacted as of today. To avoid damaging my excellent credit, I continue making monthly payments for the {$1800.00} I never received. This event has caused me a great stress and tremendous financial loss. I am XXXX XXXX XXXX and trying to save money for my retirement years and I can not afford to lose this money. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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: " purchased '' boot from XXXX. I paid with Paypal. Never received the product or any communication with fraudulent seller. Paypal registered this as a transfer to Friends and family. I paid {$96.00} and no refund and never received the order and never had any communication with someone called " XXXX XXXX '' which clearly sounds like a fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My account has been closed however the account continues to incur interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX called me 4 days ago. They also called my husband my mother in law and my husband 's uncle. Who knows who else. This seemed incredibly invasive considering his uncles name and phone number is no wear near anything we own/have any debt on etc. They called me about an account that apparently had like XXXX I needed to pay. They had it under my old married name which is incredibly weird considering the apparent date it was opened which was XXXX. Me and my husband got married in XXXX why would I open anything I'm my madien name. They gave me an account number which I called the bank about and they can not find that account in their records or in collections. My credit report has no records of it. They have said mail and email has been sent out but we have not received anything. Nothing is adding up at all and it's all super sketchy and 100 % feels like a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98516
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Mastercard through Sam 's Club, I received a statement that indicated my payment of XXXX would be auto debited XX/XX/XXXX. I received a letter from Synchrony, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX that indicated that due to recent activity since my last billing statement, the amount of the upcoming autopayment would be {$710.00}. ( A trip we were planning was cancelled and the hotel and tickets for XXXX event were refunded. ) On XX/XX/XXXX, I spent a considerable amount of time navigating the automated phone system and finally was connected with XXXX as I needed assistance determining what transactions were applicable. She walked me through the transactions to arrive at the {$710.00} amount due. I could clearly see all transaction activity online since my last statement. In re-reading the letter, it states the autopay amount could change between the date of this letter and my due date based on additional activity and " I can review my activity and payments by logging into my account anytime ''. I don't recall this being reiterated to me - about the additional transactions being taken into consideration which added to further confusion because my understanding from my conversation with XXXX, is that I would be billed the amount on the letter. I questioned, what record would I have when the website was still showing a statement indicating XXXX is due, yet I understood XXXX explain to me the amount in the letter would be due. No explanation was really provided as to how I would have documentation to support how the payment was determined, that I recall. It's possible I got sidetracked during the conversation because I found it absurd that this would occur. I have had credit cards for XXXX years and have never encountered this. At times a credit was applied after the statement cut off and before the due date and credits were applied to the account balance - but not the additional charges. I understand decreasing the statement balance when a credit posts before the due date, but to include the additional charges, seems unethical. At the very least, this has been very confusing and time consuming and I still don't know what transactions make up the final payment amount. On XX/XX/XXXX, my account was debited {$1000.00}. In lieu of spending so much time with the automated phone system, I opted for the Chat option and communicated with XXXX. He indicated he reviewed the transactions and was able to arrive at the XXXX amount due. Unfortunately, the chat session was disconnected before he could explain which transactions those were. I logged back in to chat and was connected to XXXX again. I asked him to confirm for me that in the event a credit was made to my account that I needed to monitor the activity in my account to know which transactions would be used to arrive at my payment amount. He indicated when a return occurs, yes, I should monitor my account up to two days prior to know what the payment amount due would be. I am not disputing that I owe for the transactions. My complaint is : 1 ) not all the transactions ( that were visible when I spoke with XXXX XXXX, are visible online in my account today. Disclosure of payment information should be clear. 2 ) And as noted above, the letter states I can log in and review activity anytime. This is not an accurate statement. Because I couldn't view all transaction activity, I then tried to access my statement online - thinking maybe a new one was posted disclosing the actual transactions that made up the payment amount of XXXX but " Due to technical difficulties '' my statement couldn't be retrieved and please try again later was the response. Lastly, my autopayment is set up to pay the statement balance in full. As mentioned, I questioned this when I was talking with XXXX. To add to my confusion, the payment that was actually debited to my account is an amount different than what was disclosed on my original statement OR the letter. Lastly, I had sufficient funds in my checking account. I suspect not everyone who is expecting a XXXX debit and is debited for over XXXX would have sufficient funds, which could create overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been paying my credit card. I'm receiving emails stating the payments have been posted, money is taken already from my bank account. XX/XX/2022 I paid {$4200.00}. XX/XX/2022 I paid {$3700.00}. However I am not receiving the credit back for use. I just received my XX/XX/2022 statement and on the paper statement it even shows I have {$6900.00} in available credit but on the website clearly it shows they are refusing the release that credit for me to use for over 2 weeks now. If the credit is not available to use they should not be allowed to on paper show it as available but not actually let me use it. I have talked to multiple customer service agents over phone and online chat and they tell me the same thing. They can't do anything about it, that the payment is on hold however they have no answer to why it is documented and on paper as available but they refuse to release and let me use the credit as shown and provided by their own documents. Everything is very deceptive and I don't know what is going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
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 made a purchase from XXXX for a crypto mining machine in the amount of {$25000.00}! I charge it on 4 credit cards, 3 in the amount of {$5100.00} each and 1 for {$10000.00}! They never shipped my machine and told me on several occasions that the item was going to ship but never did! On XX/XX/XXXX I sent them a message to cancel the order! On XX/XX/XXXX I disputed the charges on all 4 credit cards! 3 of the credit card companies credited my credit card because the company never shipped the item to me! The XXXX card Synchrony Bank did not credit my card! I disputed the charges and went through 3 disputes with Synchrony Bank that were all turned down because the seller stated that the machine was shipped but was not and the seller did not show any proof that the machine shipped! Then seller stated that it was a special order, it was not! This machine has never shipped and the seller stopped communicating with me! This is a XXXX 's XXXX XXXX issued thru Synchrony Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A