Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I receive an email on XX/XX/XXXX about a hard inquiry hitting my credit report that I did not authorize and I would like for that to get remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Somehow Automatic payments were turned off by Paypal Credit in XXXX. I do not recall turning them off despite company 's claims. XXXXXXXX XXXX totally could have done it though. Received statements via email with details about amounts due with links to full statements but included all " details '' within the email itself. I think this is purposefully to keep people from clicking through. Because manual payments were made for full balance amounts between XXXX and XXXX, didn't think about AutoPay/was under the impression AutoPay remained on, but had a balance to pay of " XXXX ''. These emails also did not indicate AutoPay was off, instead specified only " Manage AutoPay. '' Since I was under the impression AutoPay was on, when I received a statement email of XXXX, and did not make any purchases using the Line of Credit that month, did not think a manual payment was necessary. I assumed AutoPay would handle it. AutoPay did not handle it. Between payment due date ( XXXX ) and following statement date ( XX/XX/17 ), I did not receive any notification of missed/late payment. Received following month 's emailed statement, and details included within email did not indicate ANY past due balance, despite covering total balance, minimum due, minimum to pay to avoid interest charged and due date. Still under the impression that AutoPay was on, I logged on today ( XXXX ) to check my balance for budgeting purposes and was horrified to find that I had a PAST DUE balance that I was completely unaware of. I immediately paid the balance in full, including two " minimum interest charges '' that would not have been otherwise applicable. This has also now impacted my credit report, despite not being made aware of this balance until today. Reached out to PayPal via chat, and they could not help me. Called once and was told to speak about credit reporting, I had to talk to customer service ( who I was speaking to? ) Transferred and hung up on. Called again, first person said I was within 30 day window and late payment wouldn't reflect on my credit report. Transferred me for more information about notifications and Second person said it would reflect on my credit report. No one had any good response for why I wasn't notified of the past-due amount. They simply stated the XXXX statement indicated a past due balance but had no reasoning why the fact there was a past due balance was not included in the " DETAILS '' section of those emails. It seems to be a purposeful way to increase their interest charges. ( One XXXX charge has now received 4 dollars in " minimum interest charges '' in two months ) and I'm sure they would have put in a late fee if not for the small amount past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I secured a XXXX XXXX XXXX XXXX credit card and it transferred {$2200.00} over to PayPal Credit, Synchrony Bank. This was to occur a few weeks ago. The loan is still showing the same amount, costing me money. Can you please contact them and ask them to find out why they have not applied the payment? XXXX XXXX XXXX XXXX making the payment to PayPal Credit is XXXX XXXX XXXX XXXX XXXX expiration XXXX XXXX Pay Pal Credit statement show account blocked out it is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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: Fraud detected on a rarely used credit card with a {$6.00} charge in a state thousands of miles away. Bad actor was able to claim to be me by providing nothing but an email address and asked for new cards. Synchrony called me and account immediately halted. Synchrony said they would send me new cards but then they sent NEW cards to the FRADULENT address AFTER we corrected the problem where the bad actors charged {$14000.00} at different XXXX and XXXX XXXX stores in Florida on the same day. XXXX tracking shows Synchrony created the label for the new cards to the fraudulent address 5 hours AFTER my call with Synchrony to halt the action. XXXX was kind enough to send me a photo of the delivered new cards to the fraudulent address in Florida AFTER my address and information was corrected on file. I filed a fraud claim with Synchrony, filed reports with FTC, all three credit reporting agencies and State Police. Synchrony DENIED my claim because they stated " I made a payment in XXXX. '' Well, yes, there was a recurring subscription charge on the card that I DID authorize, so I was responsible to pay that. All this fraudulence occurred AFTER I made a legitimate payment. Synchrony refuses to admit their wrongdoing and refused to write off the fraudulent charges. I requested a new claim be opened again. Hurry up and wait .... This is identity theft that they allowed to happen because of poor policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15701
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXXXXXX credit 's online system informed be that I had a payment scheduled. There was an error of some sort. Subsequently, XXXX credit reported my account as delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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: Apparently my ex-husband made a payment on his own account. but Care Credit applied his payment to my account. Care Credit then mailed me a refund check as my account was closed. My account was only used for medical procedures for my boys and the refund check was not unexpected once insurance and other payments had been settled. Care Credit is saying they made a mistake and doubled the ~ {$180.00} payment my ex-husband made and mailed me a check for ~ {$370.00}. As my account was closed I had no way of checking this online and assumed the emails I was receiving were scams. I did decide to call them and check as I was receiving so many emails. Care Credit then told me they had made this mistake and I owe money. It feels very fraudulent and completely incompetent. The phone calls were recorded at Care Credit and the last woman I spoke with hung up on me when I was trying to confirm exactly what Care Credit had done. This is poor customer service on top of complete incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I paid the balance of my Lowe 's card XXXX. On XXXX I called to dispute the interest charge of XXXX and to close the account. Today I reviewed the statement which reflects the interest XXXX with an additional {$2.00}. interest on that balance. Lowe 's Account # XXXX XXXX XXXX opened in XX/XX/XXXX. My previous complaint was about XXXX that was doing the same thing. They should remove any and all negative comments to my credit. Please note that I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
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 address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. SYNCB/CHEVRO XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SYNCB/CHEVRO customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
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: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Attempted to use card at XXXX XXXX XXXX card was expired realized I had never received a new one. Called number on back of card and logged in online only to discover that the line of credit had been closed. Noticed an adverse reflection on my credit score for this long-term card being closed. Contacted customer service confirmed that when card term was near its end bank unilaterally decided to close line of credit due to inactivity. Explained to rep there are very few places that except this card and the card was only used for high balance medical expenses due to its very narrow scope of acceptable vendors. Representative apologized but explained it was closed but I could re-apply for a new line of credit. Transferred to a supervisor who said it was not unusual for no notification to be given for account closure and apologized previous rep made it seem as though onus of calling to hey a new card near card expiration was on client rather than done as a matter of normal course. Explained again it was in terms and conditions that bank could close an account at their discretion with no notice to client but sympathized when I explained if I was given noticed I would have gone to one of the two places I know to make a charge on the card. Asked supervisor to file a complaint on my behalf he kept saying he would take the feedback and include my point of some notification in it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A