Date Received: 2023-12-11
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 my XX/XX/ statement from CareCredit I noticed a {$140.00} charge that was posted XX/XX/XXXX. I knew this was from a subscription I had signed up with while I was working for my previous employer. I contacted the company, XXXX, shortly after and let them know I could no longer access that account and needed help cancelling the subscription. I got a case number at the time and waited. I didn't hear back so I reached out again. I got another case number and nothing. At this point I reached out to CareCredit to dispute the charge. I spoke with CareCredit in the middle of XXXX, and then at the end of XXXX I saw I had been refunded the total so I assumed all had been taken care of. Then, on XX/XX/XXXX I saw that the charge was there again. I was hoping it was a mistake, but it wasn't. I called CareCredit again last week, XX/XX/XXXX to figure out what had happened. They said that XXXX had denied the request and that I was in fact being charged. I explained the situation again, that I can't access that account to do anything about this, and they have opened another case with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX They put a late payment and collection on me for this account, i was in the military when someone took this out in my name, i let the company know but they did nothing about it, I am taking legal action but this is gross negligence that is affecting me and needs to be deleted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am filing a formal complaint against Synchology Bank ( Synchrony ) I am writing to address ongoing concerns regarding my XXXX 's credit card account, previously raised under Complaint ID XXXX. I appreciate the efforts made by Synchrony Bank to rectify the majority of the issues outlined in my previous correspondences. However, upon careful review of the recent account statements, it has come to my attention that there remains an outstanding credit of {$61.00}. I am writing to bring this matter to your attention for prompt resolution. It appears that Synchrony Bank chose to close the initial account, subsequently opening a new one. The original purchase was made under the understanding of a XXXX interest-free financing arrangement. Regrettably, the recent statements reflect an imposition of interest charges, contrary to the agreed-upon terms. Furthermore, my attempts to address this matter through the chat option on the Synchrony XXXX 's website proved unproductive. The live agent ended the conversation prematurely, leaving me without a viable solution or resolution. I am disheartened by the lack of customer-centric service exhibited during this interaction. Instead of resorting to repeated phone calls, I am choosing this XXXX XXXX as I believe it will provide a quicker and more efficient response. To expedite the resolution process, I am formally requesting the following credits to be applied to my account immediately : XXXX. Interest charged in the XXXX statement : {$54.00} XXXX. Interest charged in the XXXX statement : {$52.00} XXXX. Previous XXXX XXXX owed : {$61.00} The total requested credit amounts to {$160.00}, which I believe accurately reflects the interest erroneously charged to my account. It is important to note that I have made payments covering the balance, excluding the disputed {$160.00}. I am genuinely disappointed by the continuous issues and challenges faced in dealing with Synchrony. As a responsible consumer who consistently pays bills on time or ahead of schedule, I expect a higher standard of service and transparency. I kindly request your immediate attention to this matter and a prompt resolution to ensure the credit adjustments are reflected in my account. Your cooperation is greatly appreciated. Thank you for your understanding and prompt action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Upon reviewing my consumer report, I notice several accounts that Synchrony Bank is reporting without obtaining my written consent. The following accounts did not had a certified document explicitly stating the permissible purpose for obtaining or using my consumer report : XXXX 's account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, and XXXX XXXX account ending in XXXX. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have included an advisory opinion from the Consumer Financial Protection Bureau, which outlines specific obligations for consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Please see attached file with all the documentation and explanations. I am sure both Lowes and Synchrony will know who I am so my name and address info is included in the attached file. All these transactions were apparently conducted at the XXXX Lowes store without my presence or credit card. What Lowes employee created and processed these transactions using my Lowes credit card without my authorization, knowledge, approval, my actual credit card or my presence? The {$200.00} additional charge for stucco work was fraud because my house does not have stucco. The {$100.00} credit is reimbursement for the caulking that I had to do because the installer lied and said it was extra even though it was included in my total cost of {$1200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11762
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. SYNCB/RMSTGO XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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 have a Paypal credit card. Part of this wonderful card is that allows you to use it online anywhere paypal is accepted. One of the perks of this card is that anything over {$90.00} or {$99.00} you are able to have in a special financal promotion for 6 months. Which is a blessing since I been buying XXXX gifts. I have various puchases made that they are from a merchant name XXXX which their special promotions expires in XXXX and XX/XX/. I made a few returns of my XXXX purchases at the same time I made purchases of other merchant name XXXX for {$100.00} Which the promotion is not due until XX/XX/. Anyway paypal credit took it upon itself to apply all my refunds from XXXX to pay off most of my special promotions that are not due until XX/XX/. I was under the impression if a refund is being return from a specific merchant the refund will be applied to that merchant. That way that special finance promotions will be paid off on time. I have contacted paypal via chat to speak to Synchrony bank and they tell me its Paypal Credit system issues problem. I contact paypal and they tell me its a matter that Synchrony needs to fix. They claim they fixed the issue but my account still looks the same. Which makes it be that my purchase from XXXX special promotions will be due in XXXX or XXXX when it should have ready been paid forcing me to pay interest on them or rush to pay them off to avoid paying the interest. I was supposed to get a notification of when it was all fixed but I received nothing. Im not able to take a screenshot of my account because paypal isnt allowing it for privacy reason. Your assistance regarding this matter is gratefully appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX store credit card through Synchrony bank - When making payments quickly ( i.e. within days of the charge posting on the card ) Synchrony will " hold '' payments for " security '' when in reality I believe they are penalizing consumers for not running a balance on the card. I couldn't get it in writing how long payments would be held, but some have been up to a few weeks with no warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Monthly I send in payments to Lowes/Synchrony on the 1st via bank bill pay. The payments are usually cashed within 3 to 4 business days. However the payments are applied 8 to 10 days after the payments have been cashed making the application to the account more than 2 weeks after payment was sent seemingly in hopes of making the payment late and then charging a {$30.00} late fee. Additionally upon request to have the late payment removed they require I send a hard copy of my complete bank statement via USPS or fax with no redactions on any portion of the statement. They will not accept the transaction number or a copy of the cashed/cancelled check showing they've received and cashed the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: i never agreed to pay minimum payments ever. this was a promotional offer done thru an agent i agreed to pay whole balance off within promotional period with no fees no interest. i have had promotional offers before with XXXX XXXX no problems but someone somehow made it so i ended up paying a double for tjhe item. including XXXX still due this will ruin my credit please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A