Date Received: 2023-12-19
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I have received several phone calls from XXXX XXXX XXXX. They say they are collecting debt from PayPal credit card. I told them I never applied for this card. It isn't my debt. They insist it is, told me my SSN over the phone without verifying my ID. They threatened to call my employer to tell them about this debt and to garnish my wages. I requested written verification of debt both by email and us mail. I have not received any verification of debt, no communication other than these calls. It isn't on my credit report. Last I spoke to XXXX XXXX at XXXX XXXX XXXX at XXXX ext. XXXX. I believe this might be fraud or identity theft. I have never received account info to report to police. It's abusive collection practices and I can't even report to police due to no account information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I open up a Care Credit card I'm XXXX XXXX From the beginning that I got the card they began charging interest in the card. Which was a promotion not to charge interest for several months. I also noticed that I have been making payments on this card from the beginning. As of XXXX I only have a balance of {$160.00}. I have made payments in the amount of {$120.00} since XXXX XXXX XXXX. My credit is nor increasing when I make my payments. I feel that they are scamming people
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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: This issue stemmed from an XXXX credit card that I opened in XXXX for a single purchase, a cell phone, from XXXX. The account was setup as paperless. I paid off the purchase right away and destroyed the card. I never used the card again, I actually forgot about the card. The account end is XXXX. In XXXX some purchases were made on this account without my knowledge. I was not made aware of these because the account was paperless. Eventually, XXXX Synchrony Bank mailed me a past due bill. I called XXXX about the fraudulent charges, and was advised to dispute the charge with the credit card company. I contacted Synchrony to report the fraud and dispute the charge, and asked that they close the account asap. They mailed me a new card instead. It took multiple contacts to them to get some answers on this. I called Synchrony multiple times, in XX/XX/XXXX I was transferred to a XXXX in the XXXX department and she said the dispute was closed and denied back on XX/XX/XXXX. She said she can re-open the claim and it will take 60 days to hear back. From XXXX to present I have contacted the customer service lines at both XXXX and Synchrony, I have written to the CEO XXXX XXXX, I have engaged the XXXX and the XXXX Attorney General. The only thing that was resolved is they agreed to remove XXXX of the fraudulent charges ( about {$40.00} ) but not the second charge that was about {$70.00}. They disclosed that this purchase was made XX/XX/XXXX. They continue to tack on monthly late fees and interest, and with all their junk fees the balance is now almost {$400.00}. I have disputed the charges with the XXXX credit reporting agencies. As a result, I noticed that XXXX Synchrony retaliated by creating a new account ending in XXXX, with new transactions dated in XX/XX/XXXX that I did NOT authorize. Synchrony has violated multiple rights I have under FTC 's law- XXXX ) I did not get a monthly billing statement after a purchase was registered on the card. I later discovered this account was setup as paperless, and since I did not use it, I never was made aware of any fraudulent charges. It was months later that Synchrony sent a statement in the mail. If the issuer is charging you interest on your account balance, the issuer must send a statement for the billing period XXXX ) 16 months later this is still unresolved. The issuer " must resolve the dispute '' within 90 days. XXXX ) Synchrony has reported me delinquent on my credit report. I have now corrected the credit reporting to not say delinquent, but Synchrony has not corrected the balance on the account. XXXX ) Synchrony has not removed the finance charges and interest associated with the fraudulent charge. XXXX ) Synchrony is only allowed to charge me by federal law {$50.00} for a fraudulent charge. Synchrony has failed to investigate these charges and deems them as valid, at first saying it was because some XXXX purchases have been successfully made from my XXXX account to the address on file. I replied that is proof of absolutely nothing, only that the XXXX account is used... They then said they must be valid charges because they were made from the same IP address as other purchases made on this XXXX account. I replied that is no proof either that I used this card, because this is a shared laptop, so of course the IP is the same. The login for XXXX is saved on that laptop, anyone that opens the laptop has access to XXXX to buy things. Synchrony has failed to prove this charge is valid. I have pressed them to provide proof that is standard that other card companies use : XXXX ) Require physical possession of the card ( example : using the microchip at the cash register, obviously this will not happen with an online transaction though ) XXXX XXXX XXXX XXXX XXXX XXXX Require that someone accessing Amazon.com has to input a code that is emailed to ME or texted to ME to verify it is ME logging in. This never happened or I would have caught this... XXXX ) Require that someone purchasing something on XXXX has to input the XXXX digit XXXX code located on the back of the card, to prove the buyer has possession of the card. This never happened ... because I have destroyed that card years ago! I hope you can help me resolve this issue. Synchrony Bank has gone rogue in not only failing to acknowledge they have no security measures in place to ensure transactions made with a " virtual '' XXXX card are valid. Now it appears they have created a new account in my name, and transferred all costs to this new account ending in XXXX without any communication or approval from me. Can you step in and help me as a consumer?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: According to 15 USC 1681i-2 A person shall not furnish any information relating to a consumer to ANY consumer reporting agency. Per 12 CFR 1016.1 This part governs the treatment of nonpublic personal information about consumer by the financial institution. Per 12 CFR 1022.3. Anything added to my report without my written consent is considered identity theft. XXXX XXXX at Synchrony closed my JC penny 's account on XX/XX/. Ha advise me in his letter that he's not responsible for this decision and I should contact XXXX ( who's a third party credit reporting agency ). My consumer rights and been violated along with violation of FTC.Per 15 US code 1681b reporting transaction his is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX I was sued by XXXX XXXX XXXX XXXX over a Synchrony Bank/Care Credit card that went into default in XXXX XXXX XXXX XXXX XXXX XXXX Division I in the Circuit Court of the 13th Judicial Circuit , in and for XXXX XXXX XXXX XXXX XXXX The amount claimed by XXXX was {$8100.00}. The case was removed into arbitration with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made multiple attempts to have the total amount of the debt verified by XXXX XXXX I never received a satisfactory response, despite the lenghty litigation. The XXXX attorney requested several amounts from me at different points in time, and doesn't have the documentation to prove how much is owed. The XXXX attorney filed two documents in support of his case that allegedly were provided to him by Synchrony Bank. 1. A Credit Card Agreement that was filed as a response to my request for the original contract. 2. A sworn affidavit from an alleged Synchrony Bank employee, who swears under oath to data related to the account in dispute that contradicts my own records. No personal information was provided so I can contact the XXXX and verify her statements. I contacted Synchrony Bank on XX/XX/XXXX to ask them to verify the authenticity of the two documents, and to provide me with a statement confirming or denying their authenticity. I suspect the documents were forged by the XXXX lawyer to cover up for the lack of evidence. Synchrony Bank would not return my emails once I made my request. Synchrony Bank sold this account to XXXX without the required OALD. I need them to verify the documents I sent them and I will also need other OALD from them. I've been harrassed with litigation by XXXX over this account since XX/XX/XXXX, without the proper documentation. Synchrony Bank must provide me with sufficient information so I can defend myself. I requested OALD from Synchrony back in XXXX as well, and they never sent me any of the documents I requested from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: in XX/XX/XXXX my local XXXX XXXX advised me to open a credit line of {$15000.00} to pay for my XXXX XXXX, contract is 0 % for 2 year if paid in full. I agreed, appllied got approved, and set up auto pay for $ XXXX, 2 years gone by, XX/XX/XXXX I logged in and see my balance is over $ XXXX still. called in and learned that an add on service called " card security '' was siphoning $ XXXX off my {$660.00} payments. causing my account not paid in full in 2 years and in the fine print i would get charged interest all the way back to the beginning. But I never authorized the card security add on, itis one of their own serivce, my bank statement always shows I paid Synchrony, not card security so I was in the dark the whole time. I looked on line and there were conntless of people got trapped by this unethical practice by Synchrony and they were sued back in XXXX for this exact practice. They refuded {$1400.00} worth of 1 year card security payment back into my total outstanding balance but bottom line I still owe over $ XXXX. I have turned off auto pay and this credit account will default
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have dispute the late payment inaccuracies of this creditor XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ; directly with the creditor as well as with XXXX, XXXX, XXXX and XXXX XXXX. I requested bank transactions of proof that I was late, the creditor I never sent the proof, and it took over 30 days to perform investigation. The creditor has also re-age my accounts. They didn't verify the date last active. This account was closed XX/XX/XXXX, and paid off XX/XX/XXXX. However they added additional late payments between XXXX. I made final payment on XX/XX/XXXX, as a result this creditor wrote me a check for a {$40.00} over payment and did not report that correctly either. According to the response of their Senior Specialist, XXXX XXXX on XX/XX/XXXX ; they are reporting correctly, but in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have requested multiple time that this account be updated, corrected and removed form my consumer report. None of the credit bureaus have completed a full proper investigation, they just allow this creditor to say yes they are reporting correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint due to unresolved inaccuracies in my credit report related to a SYNCB/PayPal Credit account , as reported to XXXX. The report contains incorrect information, including allegations of delinquency and derogatory remarks, which do not reflect my actual credit history. Discovery of Inaccuracies : I noticed these inaccuracies upon reviewing my credit report from XXXX. Initial Dispute Actions : I sent a formal dispute letter to SYNCB/PayPal Credit , contesting the inaccuracies and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. This letter specifically challenged the reported payment status, credit limit, account status, and the accuracy of the last verified date. Specific Discrepancies : The primary concerns include the reported payment status as 'CollectionOrChargeOff, ' an incorrect credit limit of {$1400.00}, and the account status listed as 'Open. ' Additionally, the last verified date reported as of XXXX ' is contested for its accuracy. Demand for Verification : I have requested documented proof of compliance with reporting standards and applicable consumer laws, emphasizing the necessity for accurate, complete, timely, and validated information. Lack of Adequate Response : To date, SYNCB/PayPal Credit has not provided satisfactory evidence or resolution to these disputes. Impact on Credit : These inaccuracies are adversely impacting my credit score and my ability to secure financing. Resolution Attempts : Despite giving SYNCB/PayPal Credit a 30-day window for investigation and correction, the issues with this account remain unaddressed. I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by SYNCB/PayPal Credit and to uphold the standards set by the FCRA and XXXX XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have purchased some furniture from The Value city furniture store. The total amount of the furniture was around XXXX XXXX dollars. I was going to use my XXXX XXXX XXXX XXXX to pay for the balance. However the sales person forced me with XXXX interest trike to open a new account with value city which is through synchrony bank. When I opened this account the only thing that the sales person told me that it was XXXX interest that is all. So I start making payment every month XXXX or XXXX whatever money that can left extra towards the balance. Within one year I paid off almost half of the balance. So one day i opened the account and I saw the balance went back to XXXX XXXX dollars. I didnt know what happened. I called my wife to see if she made any purchases but she said she never did any purchases. I thought someone fraudly using my card. So I called the customer service and I explained the situation. The representative just laughed and said these are all valid charges, it is all interests. I was really shocked and I said it was interest free for XXXX months, but it was a trap, which is called deferred interest. They explained this very well after getting their money from you. They didnt send any letter in the mail nor in the email they didnt disclose this when opening the account. They just set the trap and steal the money from hard working Americans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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: Synchrony Bank ( Care Credit ) had a credit balance on the account for several months. As I was using the credit, the bank made the decision to refund {$24.00} instead of letting the purchases absorb the credit. Thus, even though I was told that a credit refund check was on its way to me on XX/XX/2023, as of today, XX/XX/2023, I never have received this refund check. One representative advised me that according to what she could see the check was never actually mailed out to me. Synchrony Bank employee contradicted this statement. But cancelled the original check on XX/XX/XXXX and claimed that a new one was issued. Unfortunately, no one can offer me the refund check number. It is my position that the original check was never actually mailed to me as I have always received Synchrony Bank 's refund within 10 days. Or the check was sent to the old address instead of my present address which I have submitted several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A