Reviews
13
Average
Response rate
0%
Resolution rate
0%
Anonymous
My PayPal Mastercards credit limit was decreased without being notified, I called and asked why it was lowered. They said being of the account had a high balance for a few months. The account was paid and is at a zero balance with the exception a service charge every month.
Anonymous
The debt is paid off in 2024 and it is still showing as negative. I asked to close the account and remove it off my credit score. Due to negative account and it is paid off so it affects my credit score.
Anonymous
I am filing a formal complaint against Synchrony Bank regarding my CareCredit account. I experienced a one-time payment oversight due to an unexpected health management issue, marking my very first missed payment in my entire history with this institution. As soon as I became aware of the issue, I immediately brought the account balance current. I contacted customer service to request a one-time goodwill removal of the 30-day late reporting mark under standard corporate accommodation rules. Frontline agents stated they were unable to assist. Because this is a singular, isolated incident on an otherwise flawless account history, I am formally requesting that a Synchrony corporate compliance officer review this file and submit an electronic " Automated Universal Data '' ( AUD ) deletion form to the major credit bureaus to wipe the 30-day late notation.
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I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.
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Someone opened an account in my name with CareCredit. I received the card- which I never requested - and called the company to cancel it. They told me I didn't know my own birthday and SSN, so obviously whoever opened the account used a different birthday and SSN. They refused to close the card since I didn't know the " correct '' information.
Anonymous
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes Authorities ( CFR ) prev | next ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect
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i need full details of this account i have been writing letters and no one has responded please send me contract and account information from beginning to third party collection
Anonymous
Virgin Credit Card closed my credit card account for a vague reason. Said it had unusual purchase history even though Inwas paying my card off weekly and sometimes even more frequently. Thats fine, but during the last statement period I spent roughly $24000.00 on purchases and now they are saying they will not honor those points earned. They said they do not have to even though they clearly advertise all over their websites and statements that you earn those points. It feels like a very deceptive and unfair practice.
Anonymous
Unconscionable APR at 32.99 % which makes it impossible to pay off. Also deceptive practices - attribute the high interest rate is due to not paying off a promotion yet it is almost impossible to find what promotions are expiring on the website. Predatory practices.
Anonymous
I am submitting this complaint regarding the handling of my CareCredit account issued by Synchrony Bank. In 2024, I financed a medically necessary root canal using CareCredit. My credit limit was $2500.00, and I charged approximately $900.00. Due to a series of unexpected hardships, I fell behind on my payments. While I understand that late fees may be assessed when payments are missed, I recently learned that approximately $620.00 of the $970.00 I have paid toward this account has been applied to late fees rather than substantially reducing my debt. These late fees are excessive in nature, reaching $41.00 in most instances. I believe that I wasnt properly explained this prior to the financial agreement. As a result, despite paying most of the amount I originally borrowed, very little of my payments have gone toward the balance for the dental procedure. I believe this outcome is excessive and warrants review. I am requesting that Synchrony Bank : * Conduct a full audit of my account. * Provide a complete accounting of all payments, fees, and interest. * Review whether the accumulated late fees were assessed appropriately. * Consider refunding or waiving some or all of the late fees. * Work with me to reach a fair resolution that allows my payments to reduce the principal balance. I am not disputing that I owed the original debt. My concern is that the amount of late fees has become disproportionate compared to the original balance, despite my good-faith efforts to make payments. I respectfully request that the CFPB review this matter and assist in facilitating a fair resolution.
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I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.
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I am filing a formal dispute against Synchrony Bank regarding an unfair and deceptive billing practice involving deferred promotional interest. I purchased a couch under an interest-free promotional period. To ensure the account was handled responsibly, I enrolled in Synchronys automated payment ( Auto-Pay ) feature.I was under the clear impression that enrolling in Auto-Pay on a promotional account would structure the monthly payments to successfully clear the principal balance before the promotional expiration date. Instead, Synchrony 's system defaulted my automated payments to a minimum amount calculated to leave a remaining balance of $1500.00 at the deadline. Because of this structural system design, I was hit with a retroactive, deferred interest penalty of $ XXXXSynchrony 's online portal user interface is intentionally designed to induce a promotional default by failing to align automated payments with the actual promotional timeline. I have maintained a flawless payment history on this account. I have now paid off the remaining $1500.00 principal balance in full.As a consumer, I acted in good faith by setting up automated payments. Synchrony 's refusal to offer a one-time courtesy waiver for an automated system oversight is predatory. I am requesting that Synchrony Bank escalate this to their executive consumer care team to waive and credit back the $2000.00 deferred interest charge.
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I made my required minimum payment, and it successfully posted to my account. The only payments that were later returned were additional payments and not my required minimum payment. Despite this, Synchrony Bank immediately began placing repeated collection calls instead of providing any meaningful written communication regarding my account. I am attempting to address my account responsibly and have requested that Synchrony communicate with me in writing so I can maintain accurate records. I also requested information regarding any available hardship programs, payment arrangements, reduced payment options, or other account assistance. Instead of providing the information I requested, Synchrony has chosen repeated collection activity. I believe consumers who are making good-faith efforts to communicate and resolve their accounts should receive clear written information regarding available assistance rather than repeated collection calls. I am requesting that Synchrony provide a substantive written response addressing my account status, any available hardship or payment options, and honor my request for written communication whenever possible.
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