Date Received: 2022-07-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I originally owed XXXXXXXX Care Credit {$4000.00}, I attempted to work out a payment plan that I could afford once I became XXXX and could no longer work to bring in any extra income. I entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in good faith and have paid that program to date {$16000.00}, only to find that they did not settle this debt on my behalf in a favorable way. They offered this company almost {$7000.00} and began paying themselves first over the last few years - this is not a great negotiation. They program said that XXXXXXXX Care Credit refused for 4 years any other offer during the time I participated in their program and they failed me. The debt program has been reported to the FTC. Now, I am applying for XXXX, I am unable to work but for 4 years I never missed one payment - only now I have XXXX left to live on in my savings and it is literally all I have. I offered that to this XXXX care credit company directly. Again they refuse- they now took bill from XXXX to XXXX, XXXX with demand of payment {$2500.00} and 5 monthly payments- with interest to start accruing again which will never pay this debt off. Even during covid, no job, XXXX I tried since 2019 to get this company to settle, they refuse and now threats to go to court and legal fees. I simply do not have funds any longer and I feel that 4 years of trying to settle with this unreasonable creditor is much to much for me to bare and now I am having XXXX hardships as well as financial hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated. SYNCB/JCPENNEY closed my account in XX/XX/2020 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe that they have violated me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/JCPENNEY never informed me of my rights. SYNCB/JCPENNEY has the obligation to correct this action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX. I tried to explain multiple times to SYNCB/JC PENNEY what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/JCPENNEY know what happens when penalties for not complying with the ECOA? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. By SYNCB/JCPENNEY closing my account without any lawful or legal notice it appears they denied me extension credit in this transaction they also damaged my credit worthiness, because due to XXXX SCORING closed accounts drop your credit score and you lose time of age on the account that is what happened on my consumer reports I lost very important data points. I never was late, the account was paid in full. I'm just trying to make it clear that I have strong reason to believe under ECOA it appears Violations occurred and something needs to be done about it SYCB/JCPENNEY needs to make this right with me the consumer. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the Violating of Consumer Rights that are going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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 had a valid credit card from JCPenny from 2016 which had been paid with no defaults for till XX/XX/XXXX. On XX/XX/XXXX, we went to purchase clothing from JCP but forgot to take the JCP credit card. So, a JCP Employee asked for social security number to search the account but opened a new credit card account without our consent and billed the purchase there. After some time I started getting credit card statements over email and realized ( based on the last XXXX digits ) that a new card has been opened on my name. So, I went to the JCP store promptly ( on XX/XX/XXXX ), told them the problem and asked them to close the account as we have not opened on my consent. JCP asked us to make the balance to zero and we gave cash at the store so that they could apply on the balance to make it XXXX. Till then, we have been charged late fees and being mailed statements every month with an increasing card balance now amounting to XXXX I talked to Synchrony bank who opened the account several times, but they are yet to close this account or take any action for fraudulent activities. They kept asking for social security number ( I was reluctant to give over phone because of the above concern ) even after they verified out our identity with other information from the statement I have. They asked me to make the payment which I am not liable for and did not record for investigation of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 at around XXXX I offered my social security number to my family members in order to finance their furniture at the Ashley Home Furniture store in XXXX New Jersey XXXX When giving my personal details to the sales associate XXXX XXXX, I specifically asked her if what I was signing up for was a credit card but she lied to me and said no it was just a reloadable gift card. Today, XX/XX/2022, I received an email stating that my new Ashley Home Furniture credit card was available to use. I reached out to the bank that issued it, Syncrony Bank and immediately canceled it. I reached out to the Ashley Home Furniture store manager and she did not even try to rectify her employees mistake and said that everyone knows that the card is a credit card and not a gift card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11416
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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: XXXX XXXX XXXX XXXX XXXX XXXX, N J XXXX 2ND Notice XX/XX/XXXX PAYPAL CREDIT C/O Synchrony Bank XXXX XXXX XXXXXXXX XXXX Fl XXXXXXXX Via Certified Mail RE : XXXX XXXX SS # Account # This is the 2nd written request. You still have not complied and continue to charge fee to this account. In as much as you fail to comply with my request for documentation, I am NOW requesting that all charges be discharged and my account brought to XXXX {$0.00} This is the 2nd formal request to Freeze all Paypal Credit accounts under my social Security number ending with XXXX and stop charging fees and interest until the account can be verified. I have request numerous times over the last 24 months for a COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY from the very first transaction, for which you have failed to provide a full accounting of all transactions and continued to charge me interest and fees. The earliest statement you have provided was for XXXX XXXX which already had a balance of {$3100.00}. I have never received COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY FOR YOUR OPENING BALANCE PRIOR TO XXXX XXXX which you claim is {$3100.00} to include TRANSACTION DATE, VENDOR AND PURCHASE DETAIL this account from the 1st Transaction and 1st Dollar. I have never requested any credit from PAYPAL with the exception of a Paypal MasterCard which has a {$300.00} limit. Any and all transactions were to be a direct debit from my bank account. I, will not make any more payments or be held liable for interest or any fees not limited to late, past due and over limit fees until this account can be verified by me. For which you continue to make payment demand on the phone and by mail. In the quick review that I have made, there are charges for late fees for payments that were made on time and also double charges on the same day for the same vendor and amount. In additional to transactions unrecognizable This is just a few examples of the errors being made by your company. Sincerely ; XXXX XXXX In addition the creditor made attempts to charge my XXXX XXXX XXXX FOR THE PAST DUE LATE PAYMENTS THAT ARE IN DISBUTE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This was a XXXX XXXX credit card with Synchrony Bank I signed up for around XXXXXXXX XXXX XXXX that offered zero interest for a year. I bought a laptop, set it on auto pay, called them to make the full payoff 10 months later. Just noticed recently that the full payoff was never made and it's been acrueing interest ever since the card was issued. Around {$2000.00} in interest they are charging me because they never closed the account despite them recording the call of me giving authorization to make the full payoff on that date years ago. Credit card companies record every single phone call, do I have any recourse of action to get them to own up to willfully not closing this account? Suing them into returning my money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized to run a hard credit check on my credit report and they explained that they was doing a soft credit pull.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78148
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: my job just got a report back from you guys showing a crime i committed that was way over 7 years ago and they fired me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Problem with Synchrony Bank RE : Care Credit Account # XXXX I have disputed and requested that an account, which identified me as a " cardholder '' be removed from my credit report for the following reasons : 1. I have never lived, resided, or received mail, at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. 2- My former, legal address of record in Virginia was XXXX XXXX XXXX XXXX XXXX XXXX I gave no one permission to use my address with the intent to establish a financial debt or obligation associated with said usage. 2. I have never established, cosigned, authorized, or otherwise received any services by means of credit card or loan accounts with Care Credit. 3- I have never made any payments to this account. 4- Any unknown employee of Synchrony Bank contacted me to obtain a " character reference '' for the other party named on this account. 5-I never established any secondary agreement to co-sign or act as a co-signer in co-making any agreement, with Synchrony Bank 6- Synchrony Bank did not have authorization from me to establish me as a " cardholder '' on any " Care Credit Account. 7- I wrote to Synchrony bank and asked for the application and authorized signatures obtained o establish the account and to further identify what services were rendered to me as a borrower and received only copies of statements that reflect neither. This matter has been going on for some time and needs to be resolved. I am requesting my name and social security information be removed from this account as well as any negative reporting to the credit bureaus. Thank you XXXX XXXX Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased a product on XXXX for {$810.00}. I opened a dispute due to the condition of the product as I felt it differed from the description. I was offered a full provisional credit of {$810.00} on XX/XX/XXXX. I was able to resolve the dispute and the case was closed not in my favor, which I accepted, so a chargeback of {$810.00} was charged to my account on XX/XX/XXXX. That chargeback was then charged again ( double charge back ) on XXXX. Upon noticing the duplicate chargeback on my account, I called the bank on XXXX to notify them that they had double charged me. They confirmed that they were looking into it and would open a case. I received a notice that my case was closed, not in my favor, because the agent had incorrectly opened my case referring to the original charge being disputed, not the chargeback. So I called again on XX/XX/XXXX where I was told they would properly open the case. I called again to check up on the case on XX/XX/XXXX, where I was notified that no case had been opened for the double charge back. The agent stated they would properly open the case. I called again on XX/XX/XXXX, where I was again notified that there had been no case opened for me regarding the double chargeback. I asked to speak to a supervisor, who confirmed with me that he would open a " escalated dispute '' for my double chargeback with a resolution timeframe of 30 days. I called again today on XX/XX/XXXX to get an update on the case where the supervisor notified me that the dispute for the double chargeback was yet to be addressed by the dispute escalations team. I asked for documentation or a case ID/dispute ID to have confidence that this was being looked into, but the supervisor stated that there was no documentation he could provide to me to confirm the case had been opened. As a consumer, given that I called to file the original double chargeback dispute on XXXX, it has now been 83 days, which is 23 days in excess of XXXX XXXX timeframes for dispute resolution ( 60 days ). As of today, XX/XX/XXXX, the bank has still not reversed one of the duplicate chargebacks to my account. I am opening a complaint as I feel it is my only chance at getting a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A