Date Received: 2022-06-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I submitted an online application for a CareCredit Account on XX/XX/XXXX. I was approved the same day. I learned today ( XX/XX/XXXX ) that I have been charged a Card Security Service fee of {$1.00} per {$100.00} of my balance. I contacted CareCredit and was told the service was optional and that I need to call XXXX to cancel the service. I never opted into the plan in the first place. After calling and speaking to XXXX she stated that I opted into the plan online when I completed the application. I did not. There are many complaints to the XXXX for this same issue. I want a full refund of the charges going back to XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
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: 2022-05-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XXXX XXXX, 2022, I accidentally scheduled an online payment in the amount of {$2700.00} to be applied to my account, which brought the balance to {$0.00}. On XXXX XXXX, 2022, I contacted the company and requested a refund, as I had only intended to make a {$200.00} payment, and this had negatively impacted my bank account. On that date, a payment refund request was submitted for the difference of the intended payment amount totaling {$2500.00}. On XXXX XXXX, 2022, the payment refund request was honored, and a refund check was mailed to me in the amount of {$2500.00}. In the meantime, on XXXX XXXX, 2022, my credit limit was decreased from {$4400.00} to {$100.00}. I am told by Synchrony Bank that they sent a letter notifying me of this decision on XXXX XXXX, 2022. I did not receive that letter, until they sent me a digital copy in XXXX of 2022, upon my request. Synchrony Bank has indicated they based their decision to reduce my credit limit to {$100.00} on " an overview of your account and your credit file. '' They noted this is not the result of my asking for a refund, but rather a coincidence of unfortunate timing. They also note I have a satisfactory payment history with them. This decision resulted in my credit account with them showing- {$2400.00}, and the balance has since showed significantly negative, until paid off. This negatively affected my credit score. I submitted a direct complaint to the company and requested either that they restore my credit limit or offer a solution that would not negatively impact my credit score. They declined. I submitted complaints through the XXXX, and they have refused to resolve the problem as they stand by their original decision. I maintain it is unfair and unequitable to reduce my credit to {$100.00} AFTER I requested a refund, and subsequently, two days later, send me a check for well over that amount to honor my refund request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99206
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
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've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
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: I have been 3 ongoing disputes for charges in the amount of {$2000.00} that began back in mid XXXX of XXXX ordered a product through Amazon on XX/XX/2022. There was a shipping issue and for whatever reason the product was never delivered, no fault of my own. Through many Correspondences with Amazon as well as the creditor, Synchrony financial the issue still is not resolved.Every time I make an inquiry its the same song and dance, the matter is being investigated.Amazons policy is, if an item is undeliverable there should be a refund issued as soon as possible.We are now approaching 4 months since the disputes ( 3 ) began. I have approximately {$1500.00} in legitimate charges on my account. There was a transaction that was made with the second dispute from Synchrony financial, which was supposed to be a credit to the account, turned out the transaction was a charge which added an additional {$2000.00} to the account totaling {$4000.00} now. Ever month that I receive a statement the minimal amount grows, now up for almost {$500.00} a month when there is only {$1500.00} in legitimate charges, this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a CareCredit account so I could afford dental work. I am paying off my card as quickly as possible. In the meantime, this company is charging approximately {$54.00} per month for a scam " card security fee. '' I have asked NUMEROUS times for these bogus fees to be refunded and they have assured me that they would. That was about a month ago. Today I get a billing statement AND IT INCLUDES ANOTHER " security fee. '' I have called numerous times with no help of any kind. This is a complete scam and usury. I am now owing XXXX my initial dental purchase and NO ONE at CareCredit or synchrony bank will make this stop or refund the fees as they have said would occur. This is extremely frustrating and it is financially abusive to consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67114
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
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/2022 I purchased an item for {$900.00} from XXXX through PayPayl. I requested for a signature to be requested for delivery. Package says it was delivered but it was not. Based on the tracking number no specific address is provided to where the package was delivered. I disputed the charge with PayPal since Paypal has a buyers protection which ensures a refund credit if a package is not delivered. Under Paypals buyer protection, proper proof of delivery for anything over {$750.00} is a signature. XXXX does not have a signature to account for proper proof of delivery. Paypal closed the case in my favor and credited the amount. However Synchrony bank which runs PayPal credit made a chargeback on XX/XX/XXXX. The case was already closed in my favor and Synchrony bank is refusing to give me my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I contacted the company to ask why interest is still being accrued on a credit card account that was closed and sent to their collections department. I was told because a balance was still with their credit card. The manager told me they sent a letter to me but confirmed that it was the wrong address. I called them to change my address before the account was even closed, so I am not sure why the letter was sent to the wrong address. She couldn't give me specifics on collections protocol so she instead she transferred me to the collections department. The representative began speaking with me about my account. The representative did not provide the FDCPA Miranda verbal notice in spite of me asking if he is a debt collector. Towards the end of the conversation the representative informed me that he did not have to provide the FDCPA Miranda verbal notice because he did call me ( since I was transferred over there ) and that he was assisting another department. Ultimately the issue wasn't never resolved and I was confused that the collections department didn't provide the proper FDCPA Miranda notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have several CD 's with Synchrony Bank. On or about XX/XX/XXXX I opened the Banks web page and there was an add for a 16 month 2 % CD. I immediately opened the 16 month 2 % CD with XXXX. When I received written conformation the rate was 1.85 %. I called to complain and wa called a liar ( my words ) They said the 2 % didn't go in effect untill the next day yet it was advertised on the web page. I am a XXXX XXXX XXXX XXXX XXXX XXXX to the Mass Senate, why would I lie. But for the add I would not have opened the account, CD. I spoke to the first banker 's supervisor and was told the same thing. I wanted to close the CD but was XXXX there would be an early withdrawal fee. Please help. I'm XXXX but did not make a mistake. I believe my age is why they are jerking me around. There had to be others that did the same thing. There web page may have been early but that wasn't my fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My wife and I were traveling across country beginning Tuesday XX/XX/XXXX and returning on Saturday XX/XX/XXXX. I had just about paid off the Synchrony credit card to use for hotel stays and to purchase fuel as we travelled. Everything worked fine until the we tried to book a room in XXXX Arizona on XX/XX/XXXX and we were declined. I called the credit card company and asked why the card was declined. I was told that on XX/XX/XXXX ( the day before we left ) a fraud charged was placed on the card. They then allow 15 days of activity to transpire before the account is suspended. I asked why I was not notified by email, text, or phone call. I was told that they don't find this very secure. I was told that a letter was sent referencing the fraud charge and new cards were sent. As an aside, when I returned home there was no letter of any kind from Synchrony credit card company. However, there was a new credit card that came in the mail. On the phone, I asked them to reissue the number they cancelled so that I can continue my trip with my wife. They were not able to do so. If I did not have another credit card I'm not sure what I would have done. I expressed my anger to them and asked for the phone call to be elevated to a manager. As I talked with the manager, I asked what was the fraud charge? They did not know or couldn't tell me but someone did something. I said you then wait 15 days of charges to occur and then you stop the card from being accepted! The response was that if they find there were invalid charges by someone else they would remove the charges. I said that sounds ridiculous. I find the company irresponsible for the havoc and anger they created for us and I have no intentions of using their cards again without knowing their justification for this action. I'm hoping you can find out what happened so that this does not happen to someone else. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. XXXX has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave XXXX any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A