Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I noticed on my recent statement that PayPal charged me a late fee after not making the minimum payment by the due date. I scheduled the payment onlinein advancefor the next day. They did not make me aware that they would charge me a {$41.00} late feethe next dayif I did not make the payment by the due date. When I tried to get in touch with the company, their customer service number was busy ; I called multiple times. Their online chat also was no help. I tried logging into my account today to see the balance and it is down for maintenance. I have been a customer for years and don't remember ever being charged a late fee. If they are going to charge a late feethe next day, they should at least have a reminder on their website for people who schedule payments in advance. I would have just dated it for the due date since it was only one day off. To sneakily charge late fees the next day, then have their line be busy so they don't have to deal with customers, is a shady business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied a XXXX XXXX credit card from Synchrony Bank on XX/XX/2023. I used the promotion link which I indicated that I would receive XXXX XXXX XXXX miles after {$3000.00} spending in first 3 months. I met the {$3000.00} spending requirements within 2 months, and received the credit card statement which stated I would receive XXXX XXXX XXXX XXXX on XX/XX/2023. But I have only received XXXX XXXX until XXXX. I made XXXX phone call with the customer service, they said the XXXX XXXX XXXX XXXX will post to my XXXX XXXX account on XX/XX/2023, but it was not posted until today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
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: XX/XX/2023 I be charge in my CC {$110.00} from company I do not received product Synchrony Bank, provider Sam 's Club Mastercard reject my complain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Synchrony bank is garnishing my wages for unpaid credit card of {$1500.00}. I have never had a synchrony bank credit card so I believe this is fraud. I called today on XX/XX/XXXX about why my paychecks are being garnished. The lady on the phone told me its for an unpaid credit card of {$1500.00}, I told the lady Ive never had a synchrony bank credit card, also told her Ive never had a credit card limit of over {$500.00} in my life before so I know this is not my credit card, but they are trying to make me pay. I just found out that theyve been garnishing my wages since XX/XX/XXXX and I had no recollection of them even doing that. Please help me resolve this matter I cant live off the f my checks now with this garnishments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93060
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I gain a free copy of my credit report from www.annualcreditreport.com and I noticed that my XXXXCare Credit account is reporting my account as closed. I would not have known my account with Synchrony/CareCredit was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from Synchrony/CareCredit is upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. At no point has Synchrony/CareCredit informed me that they would be reporting my account as closed when I have just had their card for XXXX year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. Due to the lack of communication with Synchrony/CareCredit in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. I would like to see CareCredit reopen my account and update this status on my credit report.
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: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: SYNCB/LOWES card was opened under my name on XX/XX/2023 for {$1200.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The XXXX people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
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: We purchased a murphy bed in XX/XX/2023 and asked the merchant if it can be delivered different state XX/XX/2023 because we out of state til then, He said yes we paid in full {$3200.00}. End of XXXX we got home starting to text merchant that we were home can deliver murphy bed. He said should get it soon. Never recieved it sent messages all summer. He had excuses but never got it. I contacted XXXX in XXXX started dispute, closed case no documents why. called back reopened case 2 other times, He said item on the way. XXXX say cant help us go to merchant. Now we are back near merchant went to see him, now he says item lost in freight. And he cant refund us because XXXX took funds from him. We went to XXXX XXXX XXXX, this merchant has done this to about dozen other customers. Rating is XXXX He has no proof at all here our murphy bed went or even mailed out. Called back XXXX talked to supervisor and cant refund us or do anything for us. She said his last form said he was waiting for us to let him know when to deliver. but not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to formally dispute the {$1100.00} interest charge that has been applied to my account, as I believe this charge to be in violation of the Federal Trade Commission XXXX ( FTC XXXX ) and consumer protection principles. When I originally acquired the service from CareCredit MD, I was explicitly informed that the financing would be at 0 % interest until the balance was paid off. This verbal assurance led me to make decisions regarding the management of my finances and payment schedule. I made significant payments towards this balance, with the understanding that I was not incurring interest. However, I recently noticed an interest charge of {$1100.00} applied to my account, which is contrary to the verbal agreement at XXXX XXXX of sale. I acknowledge that I signed a document regarding the service, but I was given verbal information that directly contradicted this document. Additionally, I'd like to bring to your attention that I communicated my concerns to a customer service supervisor via chat. I was assured that there would be an internal investigation regarding this discrepancy, however, they did nothing to resolve my issue. As per the " Standards for Determining What Is Unfair or Deceptive '' under the FTC XXXX : Deceptive Acts and Practices : " A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. '' Assessing Whether an Act or Practice Is Deceptive : The three-part test dictates : a. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer. b. The consumers interpretation of the representation, omission, or practice must be reasonable under the circumstances. c. The misleading representation, omission, or practice must be material. Given the above sections of the FTC XXXX, the verbal assurance I received about the 0 % interest financing meets the criteria of being deceptive. It was a representation that misled me, my interpretation of the representation was reasonable given the context, and the representation was indeed material as it influenced my decision to obtain the service and affected my subsequent financial decisions. Furthermore, the act of not disclosing this significant interest charge, especially when contradictory information was provided verbally, can be viewed as " omission of information '' which XXXX be deceptive as " disclosure of the omitted information is necessary to prevent a consumer from being misled. '' In light of the above, I kindly request that the {$1100.00} interest charge be reversed from my account and any future interest charges based on the same be stopped. I also urge CareCredit MD to honor the verbal agreement that was made at the time of purchase, which was in alignment with my reasonable expectations as a consumer. Thank you for your understanding and cooperation. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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 used an XXXX XXXX credit card by Synchrony Bank to make an XXXX purchase from XXXX XXXX. A XXXX days later a XXXX items were shipped via XXXX. A XXXX days later I get an email that my order is canceled. When I tracked the items already shipped it showed the shipment is being returned to the shipper. I contacted XXXX XXXX and they said the order did not pass internal integrity checks so it is canceled. XXXX months later I did not receive a refund for the shipped items and can't get a response from XXXX XXXX so I mailed in a dispute with Synchrony Bank. XXXX weeks later their website showed the dispute closed yet i received no communication from them. I called them to initiate another dispute. XXXX weeks later it showed closed again. I submitted a XXXX dispute via their website message service. I included printouts of the original order, the order again showing it canceled, and the XXXX tracking showing the items returned to the shipper at the shipper 's request. Synchrony Bank found in XXXX XXXX favor stating I signed a XXXX agreement. The merchant canceled the order on me, the items were returned to them before being delivered to me, and I never received the items.I provided proof of all this. It's not possible to find in the merchant 's favor. It's fraudulent and unethical to continue billing me for items I did not receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A