Date Received: 2022-05-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am using Care Credit which is for medial use only. My mom needs XXXX XXXXXXXX and is going to use that card to pay for it. When the doctors tried to use the card it was declined. The card was never used before so the company closed the account due to " inactivity. '' The problem is that the card is used for medical uses. Legally speaking they should not have the right to cancel the card when I will only use it for a medical emergency or a scheduled XXXX especially without notification. If the doctor 's office was not able to help me reapply or that the application was declined, I would of sued the company for criminal neglect and be legally liable for denial of medical care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: SYNCB/PPC continues to close this account and reopen it with a different account number and report false payment information. The company agreed to close and remove this account from my credit due to fraud. I've been dealing with them and their false reporting for years and they are ruining my credit. When I call they can not find the account as the account should not exist nor can they provide original contracts or bidding documents. The last time I called they continued to hang up on me and could not provide me with any information as to why they continue to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Hello, On XX/XX/XXXX, I made my US Tax return payments using PayPal Credit for the amount {$6500.00}, which involved a {$120.00} fee. At the time, the credit balance displayed on my account was {$6600.00}, which should have been enough to cover both transactions. I made this payment through my PayPal Credit account but for some reason, PayPal decided to charge my XXXX credit card instead of the Paypal Credit account, which I never authorized. The only reason I used PayPal here was to make use of the 6-month no interest offer on $ XXXX purchases. Charging my XXXX credit card meant that I owe {$6500.00} on my credit card by XX/XX/XXXX instead of XX/XX/XXXX ( if it had been charged to PayPal Credit ). This is costing me XXXX of dollars now, in having to pay my XXXX balance of {$6500.00}. I reached out to PayPal & requested them to either redirect this transaction to my PayPal Credit account instead of my XXXX card or provide me a credit of {$120.00} ( the additional convenience fee I had to pay my merchant to use PayPal ). PayPal provided multiple excuses ( whose documentation is attached here ). Their excuses are varied and ranged all the way through the XXXX from : ( a ) alleged that I made the transaction twice when I made only one transaction, ( b ) alleged that there were security concerns due to which the transaction was declined by PayPal Credit & routed to my XXXX card without my authorization, ( c ) alleged that I did not have a sufficient credit balance in my PayPal Credit account. All of the above reasons are false & the fact still remains that I never provided explicit authorization to use my XXXX credit card. I've attached all the documentation in this complaint below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 I received an email. Dear ******, Based on a recent review of your account, Synchrony Bank has lowered your credit line to {$530.00}. Your account remains open and available for use, subject to the new credit line. My account balance was over {$1000.00}. Now that this company has reduced my limit to {$29.00} over my limit they have me using 99 % of my total limit. This will bring my credit score down. This company has done this to me several times in the past. I have not missed any payments on any of my credit cards. This is a practice that hurts peoples credit and the company has been doing this for years to people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27320
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My complaint is against Synchrony Bank for failing to remove unauthorized and fraudulent credit inquiries on my credit reports. I did not apply for this Lowes credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for an auto loan for a vehicle that I was purchasing from a local car dealer. I did not apply for any of these other auto loans or credit card accounts including this Lowes credit card with the exception of the XXXX XXXX XXXX auto loan that I was approved for and used to purchase this new vehicle. I sent a letter ( doc # 1 ) to Synchrony Bank on XX/XX/XXXX, explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my credit reports since I did not apply for this credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. I received a response dated XXXX ( doc # 2 ) explaining that I applied for a TJX account on XX/XX/XXXX I never applied for a TJX account and there is no TJX account appearing on my credit reports. This letter has nothing to do with the inquiry dated XX/XX/XXXX. On XX/XX/XXXX I replied ( doc # 3 ) explaining their mistake looking into something altogether different having nothing to do with this inquiry dated XX/XX/XXXX. I received a response again from synchrony bank dated XXXX ( doc # 4 ) this time telling me that the info supplied matches the credit bureau file XXXX Again, this letter is useless because it doesnt explain what there are talking about. I replied again on XX/XX/XXXX ( doc # 5 ) again explaining their mistake into looking into the wrong credit inquiry and further explaining that 16 credit Inquiries appeared on my credit reports from applications that I had nothing to do with. With no response I again wrote to Synchrony Bank on XX/XX/XXXX ( doc # 6 ) further explaining the seriousness of this situation offering them more information about all the other financial institutions involved and that it has been determined my most all of them that Im a victim of credit fraud and identity theft. Once again Synchrony Bank completely ignored my letters and my request to have these credit inquiries removed from my credit reports. I have included copies of letters ( docs XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). from other financial institutions that did looking into this case of credit fraud and identity theft and as you will read, they all investigated and found the result to be credit fraud and identity theft. They all have also contacted the credit bureaus and had these hard credit inquiries removed. Synchrony Bank did not properly investigate this matter, did nothing to correct this and is now ignoring my letters. I have included copies ( doc # XXXX, XXXX and XXXX ) of the inquiry pages of my XXXX credit report, my XXXX credit report and my XXXX credit report. My XXXX credit report is reporting two inquiries on the same day for the same fraudulent application. This is also incorrect to have two inquiries on the same day for the same application. These credit inquiries are having a negative effect on my loan applications, my acquisition of credit, my credit history and my credit scores. Synchrony Bank is not doing anything to correct this matter and since they requested my credit report without my permission, they are required to have these inquiries removed from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To Whom it may concern, This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. We're pleased to provide the additional information your office requested please view attached documents. XXXX XXXX XXXX sent documents XXXX requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I have a PayPal Credit account. I have used the account to make purchases that offer special financing/differed payments over 6 month time periods, I have made returns and made payments and there is no logic to how the payments and returns are applied. I have been making payments and somehow accruing interest on my purchases. Today I looked at my statement and it said that the minimum due to avoid interest was {$360.00}. However, the only purchase showing to expire in XXXX was for {$62.00}. I called twice and was cut off both times. I had tried to call at the end of last year and faced similar issues. Due to the fact that my mother had recently passed away, and some additional personal issues, I didn't call back for some time. I have been paying down the account and today I was shocked to see that the balance due to avoid interest was again so high. After being on hold for 40 minutes and being disconnected twice, I called back a third time and I asked to be transferred to a representative in the USA. Once I was connected to the representative, I was informed that I had an outstanding balance for a promotional purchase from XXXX that had expired and was accruing interest. This amount or line item does not show up anywhere on the statement, just the ambiguous " amount due to avoid interest ''. The representative told me that in order to have my payments applied to the older balances, I need to call them and tell them where to allocate the payment amounts. This is somewhat fraudulent and extremely misleading to the consumer. It is unclear when making purchases that you need to call every time you make a payment or return to have the item applied to the correct charge amount. I am very annoyed by these deceptive practices and I do not think that the company is being transparent and open abut these practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I received an email stating my credit card was blocked and asked to update my payment method. It claims it is XXXX. I took a screen shot of the scam email and havent deleted it yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75090
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2022, by phone, I requested closure of a CD account with Synchrony Bank. I was told it would take 4 days for closure and another 3 to send me the funds. On XX/XX/XXXX I called back after noticing the account is still not closed. After being on hold for 30 minutes, I was now told it would take 7-10 business days just to close the account because they are backed up on account closures and paperwork. This is unacceptable for a bank to take up to 10 business days just to close an account. I requested a second CD account to also be closed and again was told 7-10 business days just to process paperwork for that closure because they arent able to keep up with customer requests at this time. Someone should look into this bank and remind them they should be placing customers first.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33556
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A