Date Received: 2023-12-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX, I noticed on my PayPal account there were numerous charges for {$5.00} and {$10.00} throughout the account. I reached out to PayPal. They closed the account in XX/XX/XXXXXXXX and agreed that it was indeed fraud. This should have been resolved, then in XXXX when going to make a purchase and they need to check my credit, I see on my credit report that the account was closed as a " charge off '' and not fraud as stated in XXXX. This is a huge error that has affected my credit score and it's unfair for PayPal to make such a huge error. I have been trying to clear this up since I found out a few months ago. They are being very nonchalant about this. They do not care that they have ruined my credit score. I want it resolved asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SYNBC has ran my consumer report without my authorization on XX/XX/2023 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: First week of XXXX I was at Dick 's at XXXX XXXX New York with my husband buying gifts. At checkout I was asked if I had a store car, I don't so I was instructed to start filling out an application and then told me of what I thought was a member card, I have XXXX for XXXX, for XXXX for many stores but no he had me start to fill out information for a credit card, while I stopped the process immediately and DID NOT FINISH any application, here it is pulled XXXX points off my credit score. How??. I didn't even finish the application once I realized it's for a credit card I canceled all of it. I'm beside myself as no one will or can help me. I called the store about this shady practice, nothing can be done it's oh well. This isn't right by no means. There is no card because I cancelled the application but it went through anyway, I didn't even fill in information into application like I stopped it and cancelled but apparently I can't do that. I don't want dicks credit card my husband carries the credit cards because of his job, we certainly never intended on adding another credit card. I have store rewards cards this entire situation was misrepresented by the cashier. I was furious immediately I called the store manager as soon as my credit score hit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We purchased furniture from Rooms to Go using their no interest card card. We made our first payment in XXXX and continued to make monthly payments each month when we paid all our bills from our monthly income check which usually arrived on the XXXX of the month. Our second payment was made on XXXXXXXX XXXX Synchrony determined that we had made our payment too early and credited it not as a regular monthly payment but as a balance reduction. So, when we made our XXXX payment on XX/XX/XXXX, they credited it as our XXXX payment after the due date and applied it as a late payment. We became aware of the issue in XXXX when we received an email telling us we had a late fee. After speaking to a representative she asked us to make an additional payment and change our scheduled payment date to later in the month and she would remove the late fee and all would be reset. We made the extra payment and nothing ever changed. We have made dozens of phone calls to their customer service office and their staff could see and understand the problem but did not have authority to fix it. Our calls as well as our emails to the corporate office always went to voicemail and we're never returned. Our frustration is through the roof. Please help us resolve this. Thank you XXXX and XXXX XXXX We are unable to attach any significant documents at this time but can provide them in further communications
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I can not get my total Statement due on my QVC card..I have called XXXX times I have been transferred XXXX times nobody can tell me the total balance do on my Q VC account they only tell me that the amount do is {$15.00} XXXX XXXX only I want the total balance synchrony and QVC will not tell me the balance due so I could pay my card off And the total Balance DUE is not on their statements. This should be against the law. Please assist in getting my total balance due on the account so I can pay it off without interest!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: 2 year argument with Sams Club/Synchrony credit I paid them in full back in APR XXXX Filed complaint in XX/XX/XXXX with CFPB Sams Club reduced amount owed from {$20000.00} to {$10000.00} Still incorrect. THey have noted delinquent remarks on my credit report which have prevented me from getting colege loans for my kids, home equity loans from XXXX XXXX and Auto loans from XXXX. Please help me get them to acknowledge their accounting was in error back in XXXX XXXX and they have been double billing me ever since. In the alternative, shouldn't they have to prove something in Court if they say I owe them money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: BELOW IS THE LETTER I MAILED TO SYNCHRONY BANK ON XX/XX/2023 Dear Synchrony Bank Customer Service, I trust this letter reaches you in good health. I am writing to express my deep disappointment and concern regarding the recent closure of my account ( Account Number : [ Your Account Number ] ) due to a single insufficient fund payment. I am particularly troubled by the lack of courtesy in the absence of any prior notification, especially given the significant life event I am currently undergoing - a XXXX. I understand and appreciate the importance of financial responsibilities, and I have always strived to meet them. However, I find it distressing that my account was closed without any attempt to communicate the issue with me beforehand. A simple courtesy call would have allowed me to address the matter promptly and avoid the subsequent consequences. The impact of this decision goes beyond mere inconvenience. As a woman of XXXX navigating the complexities of a XXXX, the closure of my account without notice raises concerns of discriminatory practices. It is disheartening to think that such actions might disproportionately affect individuals like me who are already facing unique challenges. Moreover, the consequences of this account closure extend beyond the immediate inconvenience. The negative impact on my credit score is a matter of great concern, affecting my financial standing and future opportunities. Additionally, the reduction of my XXXX XXXX & XXXX 's account has increased my overall account usage, compounding the financial strain caused by the closure. While I acknowledge the terms and conditions that outline your company 's rights in account management, I believe that, in the spirit of fair and ethical business practices, there should be room for discretion and empathy, especially in cases like mine. I urgently request a comprehensive review of my account closure, taking into consideration the extenuating circumstances surrounding this isolated incident. I appeal for the reinstatement of my account and request assistance in rectifying the negative impact on my credit score. Moreover, I seek clarity on any steps I can take to resolve this matter promptly. I value the relationship I have had with Synchrony Bank, and I sincerely hope that we can find a resolution that addresses my concerns and allows for an equitable outcome. Thank you for your immediate attention to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My son, a XXXX needed immediate dental work. He was in a lot of pain. When I initially took him to the dentist, they intimated they had a payment plan. He has some dental insurance but not enough to cover the cost in its entirety. The dentist offered care credit and said it would cover the cost of the procedure and I wouldnt owe anything for a year. Once I used it to pay for him and I did owe, I made consistent payments but the balance never reduced because they charge security fees totaling {$100.00} a month. Once paid off, you are still paying the fees each month. You will never be debt free with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Company : SYNCHRONY AMOUNT : XXXX $ & XXXX $ and additional NSF for ACH trying to withdrawal. DATES : XX/XX/2023 & XX/XX/XXXX COMPLAINTS : Around about XXXX of 2023 I got a sudden notification that my account had been closed for CARE CREDIT whom I had the debt with. Now SYNCHRONY is the parent company and arbitrarily closed the account even though my payments were on time and current. Then after they closed it, they just went into my account without permission and started taking ACH withdrawals. I did not authorized this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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 used my Venmo credit card to book two tours from XXXX on XX/XX/. The two transaction amounts were {$120.00} and {$180.00}. ( they are posted in USD and the original transaction was in XXXX ). I canceled the tours on XX/XX/XXXX and XXXX sent me emails that they have issued refunds regarding my cancellation. ( please see attached emails for evidence ). However, I never received the refunds from Venmo credit card. I have contacted them several times and they open the dispute at the beginning however they closed it and said I didn't give them evidence. They never told me a place that I can upload evidence )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A