Date Received: 2023-12-21
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/2023 I order pop on veneers order XXXX paid {$590.00} by PayPal and received the {$49.00} dollar kit but was never used. On XX/XX/2023 I asked pop on veneers for a refund and they refuse On XX/XX/2023 I open PayPal case XXXX to requested refund of {$540.00} because I deducted {$49.00} for the kit and PayPal declined to dispute refund. I email pop on veneers and they don't want to refund my money I never used their service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased a sleep number bed in XXXX of XXXX at the time of the purchase i entered into a purchase arrangement which provided three year financing at 0 % interest ; which was provided by Synchrony Bank . I paid {$200.00} to Synchrony and then set up my checking account for auto-pay so that the specific monthly payments could be deducted from my banking account by Synchrony. Instead of deducting the monthly payment amount, Synchrony deducted the full purchase price, {$4600.00}, from my account. ( this was NOT what i agreed to ). Since then, i have had multiple conversations with Synchrony in which they indicate that in fact it was an error on their end and they would be sending me a refund check. To this day, no refund check has been received by me, although they claim that a check had been issued XX/XX/XXXX, ( this was after three months of monthly multiple hour long calls ) Today, XXXX i again called Synchrony and now i am being told they have to " investigate '' what might have happened, as they cant confirm that i didnt cash the check? Really,?!! i would be concerned about their banking systems if they couldnt immediately see that a check they had written almost a month ago had or had not been cashed. without needing an investigation. So, here again, i still dont have my refund and now they dont know when i will since they dont know how long their " investigation '' will take. If i had in fact deposited the check, by claiming that i hadn't, i would be committing fraud. I find their ongoing stories and lack of refunding me money which i am owed for several months is something a regulatory agency should be aware of. Shows to me that they dont have a good handle on how they handle payments and/or they are trying to hold onto my money as long as possible without paying me interest. It should not take this much effort to receive a refund which i have been due for several months. And its surprising that the statements dont get " lost in the mail '' but their refund check does. Something doesnt seem right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I will list the correspondence of the personnel I spoke with. I spoke to XXXX XXXX- on XXXX @ XXXX. We spoke on the account from XX/XX/XXXX - XX/XX/XXXX. I spoke with supervisor XXXX XXXX on XXXX XXXX @ XXXX and verified that my payment date is the XXXX of each month and the removal of late payments. I spoke with XXXX on XXXX about my account. I spoke with XXXX on XXXX @ XXXX XXXX and she also verified the removal of late payments and would submit a dispute. I spoke with XXXX on XXXX and the dispute was in my favor and he works for customer service. # XXXX I spoke with XXXX XXXX XXXX there are many supervisors I spoke to about the account. My payment history shows my excellent payment history and the vendor lists the product more than what I purchased it for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Following XXXX, was pointed to CareCredit as a financing option for my procedure by the XXXX. Spoke with CareCredit who told me they offered interest free financing for my procedure via their credit card and recommended we set up an account, set up autopay and paperless billing and " you'll be fine from there '', all of which we did immediately. We continued paying the established monthly amount ( {$140.00} ) via autopay on a monthly basis and never missed a single payment. Which is why we were confused and suprised to find our balance jump from {$4400.00} on XX/XX/2023 to {$8000.00} on XX/XX/2023, despite not having made a purchase with the card in years. I began calling CareCredit in an attempt to resolve the issue late summer XXXX. As part of that process, I learned that CareCredit had also added an optional " XXXX XXXX XXXX '' as an additional monthly cost and " feature '' to my account during initial account setup. This was not only something I'd never heard of, but also never requested by any means. ~ {$1500.00} of the {$8000.00} balance increase on XX/XX/2023 was attributed to that XXXX XXXX XXXX which, ironically, they had a very quick and easy resolution to and had that cost removed within XXXX hours. It struck me as not a coincidence and a likely very common complaint as they obviously had an existing, quick refund process in place. Something that clearly gets added to many/most accounts without the clients knowledge until they get caught, which they then quickly reverse once ( and only ) when called on it and caught. It was at that point that I became aware of Docket # XXXX filed with the CFPB where CareCredit was forced to XXXX a $ XXXX settlement to " more than XXXX XXXX consumers who were victims of deceptive credit card enrollment tactics. '' Given the optional " Payment Protection Insurance '' cost that was initially added to my account without my knowledge and the " interest free payment plan '' that was actually not at all " interest fee '' ( unbeknownst to XXXX ) and led to an unanticipated {$3500.00} XXXX month balance increase, I feel strongly we fell victim to the same " deceptive enrollment tactics '' CareCredit was previously found guilty of on Docket # XXXX. As an attempt to resolve this and avoid filing a formal CFPB complaint, I have filed XXXX formal complaints with the company which I've received XXXX resolution or communication on. I spent XXXX hours on the phone again today speaking with their Collections department. I have requested, multiple times, to speak with someone about settling my XX/XX/2023 XXXX of {$4400.00}, the amount prior to the unexpected and undisclosed back dated interest hit ( additional {$3500.00} ). I have been told repeatedly there is no department or person available to even have that conversation. Settlement isn't even an option. Essentially, " there's simply no person or department for you to talk to about a settlement of this account. You're forced to pay the full amount. '' The deceptive enrollment tactics ( {$1500.00} in payment insurance costs added without my knowledge or consent, " interest free '' marketing despite being quite clearly and deceptively not interest free ), our auto-paying the monthly allotted amount every month and still getting hit with massive back interest despite never missing a payment, and ultimately the inability to even speak with someone about a possible settlement are why I've been left with no choice but filing a formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I signed up for a payment plan to buy a piece of furniture with Rooms to Go. Without my knowledge or consent, they signed me up for a store credit card which was how the debt was to be paid After I received my first bill, I immediately enrolled in autopay. Despite my efforts to set up automatic payments, I received a late payment notice. I confirmed my enrollment and then tried to reenroll in autopay to confirm. Then I continued to receive more late payment notices and late fee assessments. After I tried to correct the issue, I ultimately decided to just pay off the debt in full to avoid any further hassle with the company. I believe the company has effectively stolen {$66.00} from me through late fees that were assessed as a result of their own unreliable autopayment system. I spoke with a customer service representative today XX/XX/2023, and she confirmed that this is a common compliant she hears from customers. It appears that, at best, Rooms to Go/Synchrony bank is knowingly assessing and collecting late fees from missed payment caused by their own system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: PayPal Fraudulently opened a checking and savings account in my name without my consent. I notified PayPal and PayPal instead of conducting a proper investigation. PayPal falsely accused me. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. I never applied for any accounts with PayPal. I did not sign an application and I never confirmed the application. PayPal stated XXXX was used to open said accounts. Thats not my email address. That doesnt match my records either. Subsequently PayPal advised they sent a debit card to my address. Ive never received a debit card from this company, nor have I received nor accepted any of their terms or conditions. Paypal also stated and falsely accused me of them emailing this email address, thats not my email and I dont know whose it is. I do have extended fraud victim alerts on all my credit files and PayPal chose to ignore those when opening this account. PayPal subsequently charged this account and transferred to bank accounts they couldnt verify. None of the accounts they provided match my information. Subsequently if they attempted to verify those accounts they too were closed due to fraud. PayPal refuses to acknowledge their own mistakes. PayPal has continued to respond to this email address that doesnt match my complaint either. Im not sure whom they are reaching out to but its not me. Again PayPal says they verified with this fraudulent email address that the account was authorized. Whos email address is this they provided? PayPal charged and acknowledged they made charges to this prepaid debit account, and subsequently a savings account. Im not responsible for debt I did not obtain. PayPal attempted to fraudulently collect this debt without actually validating the application for the account. They sent emails to this fraudster by email. They transferred funds to the fraudster. I checked with USPS postal inspector and Ive never received nor activated any debit cards for this company. All charges, all disputes and all account activity are fraudulent. The entire application to PayPal is fraudulent. I did not sign any applications and I checked my public records none of my information matches what PayPal has stated. PayPal refused to conduct a proper investigation. I will not pay their debt and Ill be more than happy to take this to legal matters. If necessary. At the time of court I will prove the identity fraud PayPal conducted and I will continue to dispute this debt which PayPal falsely accuses me of. PayPal is not conducting business to follow proper Fair Billing practices. When a debt is fraud they should handle it as such. I have asked for this account to be closed and all accounts associated this email address PayPal has listed is not my email address and subsequently I will not take responsibility for these charges. PayPal has been sent a legal copy of the FTC Identity Theft Affidavit which lists this email address. Lastly PayPal should not falsely accuse someone without providing proof of the accusations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I began receiving emails from XXXX addressed to XXXX. My name is XXXX. I submitted an unsubscribe several times over the past two weeks. I have never reached out to, nor browsed XXXX. The emails come from : XXXX XXXX XXXX : XXXX : XXXX ( XXXX ) XXXX XXXX : XXXX Most recently I received the attached email which shows XXXX but is from XXXX. It mentions : Email Security Zone : XXXX XXXX For your account ending in : XXXX Your credit limit : {$2500.00} It appears that this is a scam. That is why I have not initiated conversations with the sender of these emails other than to 'Unsubscribe '. My concern is that a 'credit card ' is mentioned associated with my email that has nothing to do with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
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: 2023-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I just received a Change in Terms notice from Synchrony Bank for my Lowe 's credit card. They plan on charging customers a {$1.00} monthly fee to receive paper statements. How is this possibly legal?? What are elderly people or any other demographic without computer access supposed to do? I am truly shocked the CFPB allowed this type of change. But then again, you are the same agency that is forcing credit card banks to lower late fees. You realize you are removing the incentive customers have to pay their bill on time, right? So, you are good with an unnecessary paper statement fee but not ok with a legitimate late fee. Brilliant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by Allegro Credit aka Synchrony because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A