Date Received: 2022-07-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had ordered an XXXX backup battery from XXXX XXXX. They sent an email saying it was out of stock with no date to ship. I called XXXX, they had no idea when it would be shipped and I canceled the order and ordered from a different company. The battery arrived in two days and I installed it. A battery arrived from XXXX in three more days. I called XXXX back and was told I could return it but they gave me no XXXX. I disputed the purchase with XXXX who Investigated (? ) it and said I had to accept the transaction. At that point I closed my account with XXXX that was XX/XX/XXXX. I called XXXX back to find out why XXXX contacted XXXX on XX/XX/XXXX and again on XX/XX/XXXX and they told me the account was frozen because I still owed the {$55.00} from purchasing the XXXX battery. I contacted my bank who sent XXXX a 'proof of proof of payment ' letter on XX/XX/XXXX. Apparently my XXXX account has been unfrozen because XXXX accepted a charge from XXXX on XX/XX/XXXX for {$120.00}. How do I close this account???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had received the notifications and also I have been checking my credit report almost every day through credit karma and various other banks that I deal with. I saw a hard credit check on my report which I am not aware of and I didnt authorize to run the credit check. The hard credit was made on XXXX XXXX, 2022 by SYNCB/TJX CO DUAL CARD. I want to dispute this hard enquiry and hence request to remove it from my credit report. I placed a credit freeze after this incident so to avoid such cases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30277
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: CARE Credit credit card. Used only for XXXX/XXXX etc. offices : When I was at XXXX XXXX office and was told that I needed XXXX XXXXXXXX in both XXXX and had to pay before XXXX date, the XXXX staff explained to me that if I could not pay the XXXX in cash I could apply for Care Credit credit card and if I paid all of the Promotion ( s ) on time I would not be charged any fees or interest charges. The first month bill I was sent to my home there was a so call card Security fee {$39.00} & no interest charges for that month. I then proceeded to call the XXXX # I was told that I could not request to remove the charge $ I then asked for a supervisor and instead of being transferred to one, very rude. I took the bill to the doctors office and XXXX XXXX staff ) who opened the account for me told me she would call the bank. XXXX call me back and she said she talked to a supervisor and not to worry. That never happened. I have charges every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93446
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The company offered a {$50.00} reward if I charged at least {$500.00} on the card in the month of XXXX. I did that. However, I did not recieve {$50.00}. when I complained, I was told Venmo is not responsible for their card. That makes no sense. How can Venmo not be responsible for promised made in their name and on their card? " Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At some time in 2019, I ordered a toolbox online. The transaction was charged to my PAYPAL CREDIT ACCOUNT # XXXX. Synchrony Bank, a debt collection company ( as stated on their communications ) is handling the issue. After more than 30 days time, I had still not received the ordered item but I did get a statement from PayPal Credit showing the purchase. I believe that there was a minimum payment due. I paid it. I then began in earnest to track the seller. Very long story, but hes a scammer from XXXX and is well known on the internet. I guess PayPal would have more information about him as they obviously sent him a payment. Subsequent investigation shows the seller may show a mailing label as proof of delivery. Representatives on the phone from the collection agency admitted to me that they are aware of fraudulent shipping label or delivery information. XXXX XXXX XXXX XXXX and I never received the ordered merchandise. Synchrony Bank has been asked many times to send me proof ( verified ) that I received it and Ill pay it. Not a mailing label. A commercial shipping document showing where it was shipped from and where to be delivered. Proof of delivery. If a commercial delivery was made to my address then they will have a document saying do. I never received anything. PayPal was aware I had not received it. I told them when I made the minimum payment. And during this entire time period Synchrony Bank has been adding late fees, adding additional interest on top of the balance every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've had covid XXXX times. I've lost my income. I've been struggling to make my cc payments. I have my cc set on Auto-Pay for the minimum balances in an effort to maintain the credit agreement I entered into with the creditor. I checked on my account and saw that my credit limit was decreased. No problem, I continued to pay and even made a {$100.00} payment to bring my balance down a little bit. When I checked my account today, I see that I've still been on auto-pay with the amount determined by the cc company BUT my balance never goes down! It's still increasing! they are charging me more interest and never adjusted the monthly payment to impact it! I called them today and asked them about it and the agent explained to me " how interest works. '' I told her that I understood how interest works and that wasn't my question. My question was why didn't the minimum payment adjust so that my account would be 'correct ' and my balance go down and not up? She hung up on me. I called back and spoke with an agent named " XXXX '' and he also wanted to explain interest to me. I let him and then asked my question again. He told me " you just need to pay the balance off or make a big payment if you don't want more interest ''. Again, I understand how interest works. but I lost my income and am unable to just make a large payment. AND the cc lender is not doing their part correctly. They are making the minimum required payment so low that it never impacts the balance to go lower. This HAS to be illegal!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It was XX/XX/2022 a hard inquiry on Amazon and i didnt do it and now my credit score is low as XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I received an estimate and paid for a new HVAC system. {$3500.00} went on an established credit card, and {$10000.00} was financed through Synchrony. I have been watching to see when the charge would show up on the new Synchrony account, and to see when my due date would be. Today, I went in and saw {$10000.00} PLUS a {$29.00} " activation fee '' that I was never told about. I spent time on chat as well as the phone with Synchrony agents, and when I finished my calls with them, not only was the {$29.00} NOT taken off - MORE WAS ADDED ON. ( I have attached before and after account summaries. ) The HVAC account with Synchrony is through XXXX XXXX??? I have no idea who that is- we don't have a " XXXX XXXX in nor around my city. Also, when signing the tablet from XXXX ( the HVAC installer ) I was told my interest rate would be 7 %, BUT on the literature I got with the " Home Improvement '' credit card Synchrony sent me it said 26.99 %. I mentioned this to the XXXX Sales Rep, and he told me not to worry, XXXX would send me the complete sales contract once the system was installed. The system is installed, and I have yet to receive anything from XXXX. I understand this complaint is just about the extra fees attached to the credit card, but misrepresentation about the interest rate appears to have happened as well. I have attached 3 pdf ( s ) in total. The interest rate enclosure from Synchrony as well as the " before '' my call to Synchrony, and " after '' my call to Synchrony.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The monthly statement on my Venmo credit card ended on XX/XX/XXXX and cash back rewards were supposed to be sent to my account within 3 business days. I learned that my account was closed by Venmo on XX/XX/XXXX and cash back was forfeited. Since I did not close the account I don't think it's fair for me to forfeit my cash back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It occurred without my knowledge, approval
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A