Date Received: 2022-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SYNCB/PAYPAL and XXXX XXXX XXXX XXXX XXXX ARE REPEATEDLY VIOLATING MY CONSUMER RIGHTS PURSUNAT to 15 USC 6802 ( a ) which clearly states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. IT IS CLEAR THAT THE LISTED FINANCIAL INSTITUTIONS ABOVE ARE IN CLEAR REPEATED VIOLATIONS OF MY CONSUMER RIGHTS PURSUANT TO 15 USC 6802 ( a ) and 15 USC 1681b having no written consent BY ME, THE CONSUMER, NATURAL PERSON with all RIGHTS GIVEN TO ME BY THE MOST HIGH GOD at birth. I DEMAND THAT THE ABOVE LISTED ACCOUNTS BE REMOVED FROM MY CREDIT PROFILES ON ALL 3 BUREAUS ( XXXX, XXXX AND XXXX ) WITHIN the next 7 business days or i will be forced to sue each INSTIUTION FOR KNOWINGLY AND WILLINGLY VIOLATING MY CONSUMER RIGHTS AND INTENTIONALLY CAUSING UNJUST HARDSHIP UPON MY LIFE BY REPORTING FALSE, INACCURATE, MISLEADING AND UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Hello Sir, I have purchased the hardwood flooring from LL FLOORING with 0 % financing offer in XXXX and it was financed by SYNCHRONY BANK with XXXX % interest for 24 month. I have been regularly paying the due payments without any missed payments since it was financed. SYNCHRONY BANK have not notified me via mail about the payments or ending terms. Also, when I asked about the statements from the beginning to see how much total I have paid, they have refused to provide the Year XXXX statement. But instead they have charged the 29 % interest for all 24 months + 3 month on top. I have called them many times for paying the balance amount {$3400.00} but they have added the interest {$4300.00} on top of that and asked me to pay {$7400.00}. Also, without my consent they were keep charging interest and deducting from my checking account monthly till the date XX/XX/XXXX. To avoid the additional interest they didn't left me any option option but I ended up paying the balance + interest + interest which is {$7400.00}.. Per XXXX statement the balance was : Balance : {$3400.00} +/- Credits, Fees & Adjustments ( net ) : {$120.00} +/- Interest Charge ( net ) : {$4300.00} They have increased the Total balance + 29 % interest for XXXX month = {$7700.00} as of XXXX I was supposed to pay balance amount {$3400.00} after all the monthly payments those were made by me. But Balance as of XXXX showed as {$7400.00}. I would like to request for investigate the Credit Card company SYNCHRONY BANK 's bad practices and not informing consumer when the major terms ends. We had a no clue about this much big charges in sudden. If I was made aware by the bank 's via notice/letter, I could have made the final payment on time but they didn't give me any chance. Hopefully, you can resolve this matter and investigate the interest charges and why not informing customers by sending the letter via mail. With Regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: For two weeks I tried to get in contact with a physical person about a Reimbursement of payments made to a program i was enrolled in XXXX. A program i never signed up for to my knowledge, and a program that was deemed to use predatory practices for the " Card Security '' program. They did in fact refund one year of the service for a total of {$1300.00}. But after i made numerous complaints to speak with a manager about a full reimbursement, no one ever contacted me back. Which is very unprofessional. On the Date, XX/XX/XXXX I made a complaint On CFPB To get in contact with someone regarding my issue. After weeks i finally got a response from a dead end number where the person never answers the phone and has a full voicemail. I have called the contact number of XXXX XXXX a minimum of 15 times over the course of two weeks. Never answers the phone never has a cleared voicemail. This is completely unacceptable i have to go through this amount of work to get someone from your company to do anything. Ive seen countless people receive full reimbursements for this same issue. Synchrony already got in trouble from the CFPB for this very same issue. ( 1 ) deceptive practices relating to the marketing and sale of certain of the Bank 's credit card add-on products ( the Add-On Matter ), in violation of Sections 103l ( a ) and 1036 ( a ) ( l ) ( B ) of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ) ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, Recently I applied for the XXXX XXXX store credit card offered by Synchrony Bank. They denied my application because they can't verify my identity even though I have provided my government-issued DL they are still not taking that as evidence. This is ridiculous that they will not accept the government-issued, Do I have to provide a DNA test to confirm my Identity? I already have multiple accounts with synchrony so it should be an easy process for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
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 discovered a fraudulent charge of {$820.00} on my CareCredit ( Synchrony ) card from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, GA. At the time, there was no contact information available for the merchant ; so I contacted CareCredit to dispute the charge. They notified me that they would have to open an investigation into the matter that could take up to 60 days, and that no refund will be issued until the investigation is over. On XX/XX/2022, the transaction updated to where I could see the phone number and address of the merchant. I contacted XXXX XXXX and their manager let me know that they had been attempting to contact me since the transaction was completed, as they deemed it to be fraudulent as well. They notified CareCredit of the fraudulent charge in an effort to refund the charge, to which CareCredit refused and stated they would have to contact me directly to refund the payment. XXXX XXXX had no means to contact me as I was not the original person who made the fraudulent transaction. If I hadn't noticed the charge, this would have went unseen. Additionally, CareCredit was aware of the fraudulent charge at the time I contacted them, did not notify me, and still proceeded with opening an investigation into a transaction they had knowledge of being fraudulent to begin with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I got an initial CareCredit loan on XX/XX/XXXX in the amount of {$3800.00}. The first year was a no interest if paid in full. I still had a balance after the year so I was charged the interest on XX/XX/XXXX in the amount of {$1000.00}. I started paying the new balance down but I noticed another interest charge of {$77.00} on XX/XX/XXXX. I contacted customer support to ask what the additional XXXX was for and I was told that XXXX will be added monthly until the balance is paid in full. I dont understand because they have already tacked on the interest and I am paying it down but I cant get it paid off if they add XXXX each month on top of the accrued interest. Is this even legal? It seems predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Paypal credit does not update their reporting of what the client owes them as credit, after the items were returned. That is to say, the items are returned, but they remain on the clients account as charges owed. This situation is never rectified unless the client discovers it -- and even then it is a lengthy and complex process that can take up to several months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I ordered a HVAC unit from XXXX XXXX XXXX XXXX XXXX XXXX. The agreed upon terms were 36 months interest free. Prior to installation of the HVAC ( XX/XX/2022 ), I had to complete financing through XXXX / XXXX XXXX / SYNCHRONY BANK. I completed the credit card application ( XX/XX/2022 ), chose the 36 months interest free, and provided banking information to pay the credit card bill. The total charge for the HVAC was {$8500.00}. On the first billing cycle the entire amount was paid, not the minimum monthly payment. The full payment was completed on ( XX/XX/2022 ). I contacted XXXX / XXXX XXXX / SYNCHRONY BANK on XX/XX/2022 ) and they said they would refund my payment and ensure I made the minimum payments for the 36 months interest free arrangement. On XX/XX/2022, I followed up with XXXX / XXXX XXXX / SYNCHRONY BANK and they said that no refund was or will be provided to me. The chat lady said that she would request a check to be sent to me in 2-3 weeks and would only provide a chat confirmation number and no check or transaction number. Im a XXXX and XXXX XXXX XXXX The XXXX / XXXX XXXX / SYNCHRONY BANK business practices are misleading and intentionally unhelpful. I specifically went with this HVAC vendor because of the favorable financing terms. This is a problem for me to solve and very bad for my finances. Please help me. Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for {$7200.00} Care Credit Medical Card and was denied. On XX/XX/2022 I received a email stating I was denied because I was a High risk source of application. with no credit check from the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/2022 I received a letter from a creditor I have by the name of Synchrony Bank ( XXXX XXXX XXXX ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my XXXX credit report. I immediately called Synchrony Bank at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every XXXX months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A