Date Received: 2023-12-09
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/XXXX I was double billed XXXX, or billed twice. I spoke with XXXX XXXX id # XXXX ) who said she could not remove the charge off of my account for at least 60 days. She explained that was the amount of time it took to dispute the charge. I did on XX/XX/XXXX purchase a shed from Lowes, but I did not want to be doubled billed for the cost. And it is not fair to me that this amount sats on my credit. They are sloppy. I want this credited back to the account as quickly as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a credit card with care credit back in XX/XX/2023, to cover vet bills for my XXXX dogs. One of my dogs was/ is having serious health issues and I just didnt have the funds out of pocket so I opened the credit card. My balance is now XXXX. XX/XX/XXXX I made the first purchase at XXXX XXXX XXXX XXXX for XXXX. XX/XX/XXXX I made a successful payment of XXXX to the account. XX/XX/XXXX I made a second purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. They have now cancelled my account because XXXX or maybe XXXX XXXX $ payments bounced. This is my first credit card account and I am XXXX XXXX XXXX. I am very upset that this happened because I have made multiple payments a month whenever I can and most of the time it is more than the minimum payment. And they have cancelled my entire account due to XXXX or XXXX bounced payments. It is ridiculous. Please help me reopen this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My dog was suffering and needed an expensive operation at XXXX in XXXX. The veterinarian handed me a card from CARE CREDIT subsidiary of GE Capital Retail Bank, because I literally maxed out my cards to save my dog battling XXXX. The CARE CREDIT Representative I spoke to said We operate as a nonprofit because we know how much we love our animals and operations prescriptions can be expensive. No worry. Theres No interest as long as you pay total borrowing within two years. Total {$2000.00}. Credit Line. I used only about {$1800.00}, Paid back more than {$950.00}, I desperately needed small amount to begin surgery, so I took the deal. Somehow that number ballooned to over {$2400.00}. AND WORSE, they reported me to credit. I had great credit. Now I have Poor credit and its only been 8 months! Im furious. I dont know what to do. The veterinarians missed a XXXX lump and my baby died. Worse My mother is fighting XXXX XXXX too and somehow Im moving forward on fumes. Advice would be greatly appreciated. I dont have a credit card. I destroyed it knowing Id never use it again. CARE CREDIT - SYNCHRONY BANK Account number is : XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96825
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a XXXX with PayPal. I was making my payments with my checking account for years and without problems. Recently PayPal makes new rules and I try to make payments same way and is rejected. I contacted my bank about this issue and they said You dont have any restrictions the payment should go through. Look like my account is in way to be on collections. I asked PayPal if theres another way to make payment. No they said.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX I called Synchrony Bank about my XXXX XXXX XXXX card to request an interest rate reduction, they denied me. I then requested to be put on their Customer Assistance Plan to close my account, which stops the interest, has no late fees and allows a lower minimum monthly payment until paid off.. They denied me. I explained I've struggled the past 12 months with increasing medical bills due to my XXXX. The company that I order my XXXX XXXX from every 3 months is XXXX XXXX in XXXX, XXXX. They ( XXXX ) are owned by XXXX XXXX and they charge very large fees ( up to {$1000.00} ), I applied for the XXXX XXXX Financial Assistance program and was accepted XX/XX/XXXX, but the XXXX company refuses to honor it and won't send my orders. This is the only company my employers insurance will work with. So when they won't send my orders I have to pay with a credit card. Now I am so far in debt that I can't keep up on my payments, although I haven't missed any payment this year or been late, that's not going to be the case next year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It appears that there is an unauthorized inquiry on my report. I received a copy of my credit report and found the following item ( XXXX ) to be an error. The following inquiry is reporting incorrectly and must be removed immediately. Creditor Name : SYNCB/PAYPAL XXXX XXXX XXXXXX/XX/2023 I did submit the application for a new account on XX/XX/2023, however before I completed the application, I communication with PAYPAL credit . I was told the that application would only result in a soft inquiry and that the application would not affect my credit. I did indeed receive a hard inquiry from to my XXXX report after submitting the application even though I was told that it would not occur. I have communicated with SYNCB/PAYPAL as well as XXXX requesting to have this unauthorized inquiry removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/23, I was shopping online at Amazon.com. When completing the purchase of an item, the webpage displayed a promotion in conjunction with the item I was purchasing to apply for an Amazon Store credit card with Synchrony Bank and receive a credit towards my purchase. I then applied for the card through the website in order to receive the credit, and was approved at that time. I then proceeded to checkout for the item and the credit was not reflected. I called Amazon and asked them to correct the error, and they said that I would not get the credit because the item was not sold by Amazon. I am still not clear what this means as the item was purchased through Amazon and the promotion was tied directly to the specific item I was buying and at no point was there any indication that I would not be eligible for the credit. In effect, I was deceived into applying for and receiving a credit card through the false advertising of a credit. I believe this experience illustrates a clear instance of Unfair, Deceptive and Abusive Acts and Practices by both Synchrony Bank and Amazon and as a consumer we seek compensatory relief for the financial hardship I have experienced. I would not have applied for this credit card or purchased this item had Synchrony Bank been transparent that I would not receive the credit that they were advertising.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am writing to bring a distressing situation to your attention concerning Synchrony XXXX XXXX. Towards the end of XXXX, I made a purchase with Synchrony XXXX XXXX, and I was assured that it would be a 0 % interest rate transaction. To streamline payments, I activated automatic payments and diligently ensured that every charge was promptly settled. There were no missed payments or discrepancies. However, my concern arose in XX/XX/XXXX when I realized that I had not received any statements from Synchrony XXXX XXXX since that time. Additionally, I have not received any emails from them since XX/XX/XXXX. Disturbed by this, I accessed my account and discovered an unexpected interest charge of {$1100.00} on XX/XX/XXXX, despite having a balance of around {$800.00} at that time. Since that date, I have been subject to monthly interest rates with astronomical figures. Astonishingly, my current balance has now exceeded the initial purchase amount, even though I have diligently fulfilled all payment obligations. Compounding the issue is the lack of communication from Synchrony XXXX XXXX. The absence of statements and emails has made it challenging for me to monitor and address this situation promptly. I contacted Synchrony Bank on XX/XX/XXXX about this issue. They said because the promotion had expired, I was charged a 30 % interest rate based on the balance at that time. I have never been informed about this expiration. I have never heard or received any notification/statement or other form of communication from Synchrony for more than a year. I am seeking the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and take appropriate measures to rectify the unfair interest charges imposed on my account. Your swift attention to this matter is highly appreciated, and I look forward to a prompt resolution. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: The company sold my account with all my personal information to another company. How cool is that. So now you guys will back the second guy coming in for his share too
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I attempted to enter into a payment plan with the company for my Value City credit card. the company approved the payment plan but will not provide information indicating that I am in a payment plan. I need this information for my records and to verify with my current employer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A