Date Received: 2022-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX of XXXX I decided to help my mother with an XXXX XXXX she needed done and did not have all funds so the Dentist office suggested she should have someone help finance the surgery through care credit, which we did. I got approved for XXXX which helped my mother a great deal and shortly started making payments on our card. One year after paying monthly, Care Credit took all the money we had paid toward the card and said we had forfeited the promotional purchase and now instead of owing XXXX I owe XXXX which I think is ridiculous, why was I not informed of this, why are they going around giving people credit without explaining this Very Important information with the customers. I need your help someone needs to stop these multimillion dollar companies rob the blind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
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: Purchase made from Ashley Furniture ; particular furniture was to be back ordered XXXX months. To date ( approx 1 year ) furniture has not been received and an amount of XXXX had been held on my account. Calling Synchrony Bank has not helped and they have told me it will take 90 days to dispute and that they have no history of this transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
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 went to XXXX XXXX XXXX XXXX and had XXXX XXXX XXXX and was given a dental plan, for {$3000.00} just to have a broken tooth extracted and to have a parcel made. I sign a contract for {$3000.00} not knowing that they were going to charge CareCredit the next day for a tooth extraction... The next day I found out that they had charge CARE CREDIT / SYNCHONY Bank {$3000.00} to my account.. I immediately call and cancel the plan. I also call CareCredit / Synchony Bank and cancel payment. XXXX XXXX XXXX XXXX Cancel the plan and charge my insurance company XXXX XXXX XXXX XXXX {$230.00} for that appointment. All I received is the X-Ray and consultation for which was paid for by XXXX XXXX XXXX XXXX. The problem is CareCredit / SYNCHONY BANK is asking me to pay {$2000.00} for a cancel contract which no work was done. I have wrote to CareCredit and Synchrony Bank and I told them the dentist cancel the contract... want to know how can they ask me for money that was never paid to XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a Lowe 's credit card in XX/XX/XXXX. I maintained the credit card with a low balance and made regular, on-time payments. On XX/XX/XXXX I was in the retail store attempting to make a purchase and the card was declined. I knew I did not have a maxed out balance, so I contacted customer service and was told that my account was closed on XX/XX/XXXX. I asked to speak to a supervisor because there was no reason for my account to be closed. I still carried a low balance and I was paying on-time, more than the minimum amount due, so the account showed current activity. Additionally, this significant change was made with out any prior notice to me as a consumer. I am rejecting the closure of this account and I am filing a complaint against Lowe 's for unfair business practices. They do not follow consumer protection guidelines as laid out by the CFPB. Closing my account this way has damaged my credit score, and doing so at a time when consumers are still suffering from the effects of COVID 19 shut-downs, job loss and other economic hardships shows that Lowe 's engages in unethical business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have an open dispute with Synchrony Bank ( complaint ID # XXXX ) due to {$290.00} XXXX XXXX XXXX I cancelled from XXXX XXXX and still awaiting the outcome and update of the dispute. I have not used my card since I was in the XXXX XXXX XXXX on XX/XX/2022. I have not authorized any purchases since then. Now on XX/XX/2022, my card was charged {$2300.00}. I let Synchrony Bank now that this charged amount is fraud. I have not used this card for anything since my last purchase in XXXX XXXX. This is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I used my credit card, a Chevron card, at a location near where I live. The only other time I used the Chevron card, other than at that location, was in early XXXX of last year. I used my Visa card at the same local Chevron station on XX/XX/XXXX of this year. On XX/XX/XXXX I received an e-mail from my bank citing suspicious activity. I informed my bank that the activity was fraudulent and cancelled the card. That Chevron station was the only place I used that Visa card other than XXXX. In XXXX I received a bill from Chevron. I paid them what I owed but did not pay the fraudulent charges. All the above I stated in a letter to Chevron which I sent with my bill. I sent the letter to the address of credit card payment and another copy to the address given for complaints about incorrect charges. I am still getting billed for the fraudulent charges. Not only did I cite the fraudulent charges but I referred Chevron to my bank, including the last four digits of the cancelled card, so they would would know where the cards were being copied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received letter from XXXX XXXX XXXX saying I owe {$180.00} to banana republic ( Synchrony Bank ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a banana republic account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern, SYNCB/AMAZON gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to amazon and XXXX a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a Care Credit Card through Synchrony Bank in XX/XX/XXXX for XXXX expenses of my rescues. After noticing in XXXX of XXXX that my balance wasnt really budging, I took a closer look at my online statements and noticed a XXXX XXXX XXXX was on it. My husband always pays this card and he never noticed it all these years because it starts as a very minimal fee and grows throughout the years. I DID NOT SIGN UP FOR THIS ADDED FEE when I originally applied for my Care Credit account. I absolutely would never because it charges you a extra percentage, lowers your balance, and there is no need for it. I called in on XX/XX/XXXX to Care Credit Customer Service, where I was told by the representative that this is a common occurrence thats been happening and she has seen it a lot. She gave me the Card Security phone number and said that all I had to do was call them and they would cancel the card security, along with return ALL FEES that was charged since it was put on. She looked at my account and told me the fee was charged since I first opened the card back in XX/XX/XXXX. I called Card Security on XX/XX/XXXX and was greeted by a rude woman who was consistently reading off a script on what to say to my complaint. She kept telling me I signed up for it when I did the original application which is a COMPLETE LIE! I made sure she was aware that Care Credit already told me that this was a common occurrence thats been happening and Id get all my fees returned. I also looked into this matter further online and found hundreds of people who have experienced the exact same thing I am. Apparently the Card Security Fee box is being checked AUTOMATICALLY when you agree to the terms of the Care Credit Card. So unless you study your statements, you wont know and its a common scam they are doing to get extra money from you. I told this all to the Card Security agent and she said I can cancel it and also do a escalation of my complaint on the refund amount to be reviewed. So on XX/XX/XXXX is was canceled and gave me a complimentary refund of {$280.00}. I also did the escalation for the remaining fees Im owed and she said Id hear back in 5-7 days via email or regular mail. In this time period I contacted Care Credit via the online massage center and asked to have EVERY statement since XX/XX/XXXX sent to me, so I can see how much I am owed in fees. I did receive them all and calculated how much I am owed. I called back Card Security on XX/XX/XXXX after not hearing from them as they said I would. Same script was read to me and they said to wait another 7 days because of a software issue putting them behind. I asked to have a supervisor call me at this time and was told I could start another escalation if I wanted but that would restart the whole process. So I left my original escalation and said Id call back in 7 days if I dont hear. They noted this all on my account. On XX/XX/XXXX I called again after getting no communication about my full refund or a call from a supervisor and the same script about me supposedly signing up for this was said again. Had to explain all over again about this being a scam, I never signed up, and already did a escalation to get my full refund back, along with no call from a supervisor. She said to wait ANOTHER 7 days and kept repeating that to me even after asking what happens if I still dont hear anything from anyone. Again it was a script being read. She said she could also see on my account that I asked for a supervisor to call me on XX/XX/XXXX, which I told her no one has. I made sure I told her to also note in my account that I have screenshots from Care Credit themselves telling me that this is a common occurrence and id receive all my fees back, along with proof of other users having the same issue done to them. So here it is XX/XX/XXXX and I still havent heard anything from a supervisor or about my full refund. Im getting nowhere with Card Security and getting a complete runaround. I need this handled RIGHT AWAY! I included screenshots of my Care Credit Chat with them saying Id receive all fees back, messages with Care Credit where they told me my problem was being forwarded to corporate for review after telling them I was reporting to the CFPB if I didnt get my money ( which I never heard from either ), me asking for all my statements which I received in full so I know the exact amount Im owed, and proof of others experiencing the same scam issue. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
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: XXXX XXXX, XXXX : Purchased a riding lawn mower from Lowes XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Purchase price : {$1700.00} *****At first use, the mower was defective : Cutting blade shift lever did not work. Mower was unusable. *****Reported problem to Lowes . Sales representative asked that I obtain repair locally. This was declined. Lowes was asked to replace the mower. *****Reported the problem to the credit card company and asked for guidance. Card company directed me to file a formal dispute. This was done, and an adjustment was made to my account XX/XX/XXXX, for the purchase price of {$1700.00}. *****On or about XX/XX/XXXX, Lowes delivered a replacement mower. *****At some time during XXXX, XXXX, I noticed that the charge for the replacement mower had not re-appeared on my credit card statement. XXXX***I went in person to Lowes and reported to an assistant manager that the replacement mower had not been charged to my credit card account. *****The assistant manager was grateful for my honesty in reporting this fact, and agreed to give me a discounted price of {$1300.00}. I called the credit card company and authorized this discounted price to be charged to my account. This was done XX/XX/XXXX. *****However, on the prior day, XX/XX/XXXX, my credit card account was re-billed by Lowes for the original price of the mower : {$1700.00}. *****Since that time, numerous appeals have been made to both Lowes , and the card company to correct this problem. Phone calls and memos have been sent to the assistant manager and manager of Lowes, as well as to Lowes Customer Relations Department in XXXX, NC. Calls have not been returned, and written memos have not been responded to as of this date. *****Numerous pieces of correspondence have been sent, as well as phone calls made to the Dispute Resolution section of the credit card company, Synchrony Master Card, XXXX XXXX FL XXXX The last appeal to the card company was dated XX/XX/XXXX. That appeal has apparently been ignored. *****I have never denied that payment is due for the mower - -either {$1700.00}, or XXXX. I will not, however, be responsible for making both payments. As it is now, I am being held accountable for both charges. *****I can not be sure who should clear up this problem, the credit card company or Lowes ; but I think it should be the credit card company. All I know right now is that my requests for help have been ignored by both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A