Date Received: 2022-11-21
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: Type of dispute is I am being charged ( with compounded interest ) on an item I returned. See letter below and attached copies of documents explaining my dispute. I am writing because of a problem we are having with a PayPal order. We ordered an XXXX XXXX about XX/XX/XXXX, from a dealer named online, XXXX XXXX XXXX XXXX. Surprisingly, we did not receive a notice of shipment or even an invoice from them, and still have not. After waiting to be advised about our shipment for XXXX XXXX, we called XXXX XXXX number XXXX or XXXX times and left messages without response. We also sent an e-mail to XXXX, also without response. Finally, we decided this company might have closed. It was obviously having business problems because of having no live staff to answer or return our calls or e-mails. On XX/XX/XXXX, we received an e-mail from XXXX saying that we had sent a payment of {$190.00} USD to XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were led to believe that we had bought a XXXX product from the XXXX company on their website, not some XXXX XXXX That PayPal e-mail included a Transaction ID XXXX and a non-identified Invoice ID XXXX. The Transaction document unbelievably acknowledged that the XXXX company was Non-US - Unverified, and that the seller hadnt given PayPal a projected shipping date yet. Since we could not make contact with this apparent XXXX front for the XXXX company and had no idea when, or if, it would be delivered, we looked for someplace else we could buy one. Still wanting the stand-up walker that XXXX manufactured XXXX we ordered the same model from XXXX on XX/XX/XXXX, as shown below. A few days later, this one was delivered, and we assembled it for use. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days after that, the box from the XXXX dealer in XXXX finally arrived! We immediately XXXX XXXX requesting a return label and asking them to cancel the PayPal charge. After not receiving a Return Shipping Label and after their failing to answer several more of our phone calls over the next XXXX XXXX XXXX, we sent another e-mail on XX/XX/XXXX. Our email to them said that since you have not cancelled the order, we must return the unopened carton we received with your walker and contest this charge. ( Attachment A. ) My husband took the XXXX box to the local XXXX office on XX/XX/XXXX and asked them to return the merchandise as a refused delivery. The XXXX XXXX said he could not issue a new shipping receipt, because the box would have to be returned to the main XXXXXXXX XXXX XXXX XXXXXXXX to be assigned a new shipping number to prevent it from being redelivered to us, and that XXXX would then return it to the shippers address. Since that return was sent XX/XX/XXXX, before our XXXX return date of purchase on XX/XX/XXXX, we thought we had fulfilled our responsibility. BUT NO! Either XXXX never sent the return to the XXXX dealer ( unlikely ), or XXXX did send it, and XXXX never credited our account ( If we ever even had an account with them. After all, we still have not received an account number, a letter, or an e-mail from that company. ), or PayPal paid either XXXX XXXX XXXX XXXX XXXX XXXX XXXX seemed to have been owned by, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, that we knew nothing about at that time ). Since PayPal evidently paid this XXXX - XXXX company for our returned order, they must accept their loss. Approximately XX/XX/XXXX, we received a hard-copy statement from PayPal, dated XX/XX/XXXX. However, we had still not received the product or a single response from XXXX, even after our calls and left messages inquiring about our shipment. On XX/XX/XXXX, we contacted XXXX by email to see if they had received the returned walker. They did answer this XXXX email and asked for our order number, which of course we had never received from them. We contacted them again on XX/XX/XXXX asking Have you received my returned XXXX XXXX walker back yet? And, Please cancel the charge on PayPal and bill me for the return shipping. No answer. Because of several conversations we had explaining the issue to PayPals Collection Department, they sent a letter on XX/XX/XXXX issuing a provisional credit and billing the amount back to the merchant ( Attachment B ). They said that the merchant had the option to provide supporting documentation within the next XXXX billing cycles that credit was not due. Those billing cycles have long since passed, and we have never been provided any such documentation. However, the calls kept coming demanding payment until another offer to investigate our dispute was received dated XX/XX/XXXX ( Attachent C ). This date is long past the XXXX billing cycles deadline. Still, the calls from PayPal/Synchrony keep coming every day. We decided to answer XXXX of the calls and the agent said that a determination had been on the side of the merchant. Again, we have never received any documentation, or even heard about this decision. PayPals letter claimed thar you will receive a response via mail or email notifying you of the resolution of your dispute. This never happened! Consequently, since no documentation was provided to us ( the customer ) on this issue within the allotted XXXX billing cycles that the merchant had to respond and, since we do not have the product, and took every reasonable effort to return it to the merchant after it was eventually received too late and, since the merchant has not made a reasonable effort to conduct its business fully with the customer by : not providing a reliable means of communication, not supplying an invoice or bill of sale ( or even an order number ), not conducting business by answering its phone, or shipping its product in a timely manner, and since PayPal elected to enter into a business relationship with a Non-US Unverified company, they must accept the consequences. ( If PayPal would have vetted this company before taking them on as a vender, they may have avoided this problem. ) XXXX website now, as of XXXX of XXXX, shows XXXX XXXX XXXX XXXX XXXX XXXX, a different XXXX company. PayPal may not want to admit they sent the payment for Page XXXX our purchase to a risky foreign company from which they can not get their money back for our returned product. Our past two bills show a Past Due balance and the latest one, XX/XX/XXXX, shows an interest charge plus a {$40.00} Late Fee. We have had an XXXXXXXX XXXX credit score for XXXX XXXX XXXX are quite XXXX XXXX XXXX XXXX by this debacle. Can PayPal prove that the vender provided proper supporting documentation that will stand up in court before the XXXX XXXX XXXX XXXX XXXX Has the vender provided proof that they did not receive our return or made reasonably attempt to locate their box which was scheduled to be returned to them? We maintain that we owe no money on this issue, and if PayPals harassment continues, we will take whatever response is necessary to stop PayPals abuse. Therefore, as we have explained in many phone calls from PayPals collection department, they have no right to keep harassing us with phone calls and to keep up adding compounded interest on the original amount of a product that was returned. I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have done our best to settle this matter, but to no avail. I am seeking your help because we are not able to pay for a product we do not have. I would appreciate your help if at all possible. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom it may concern : Thank you for taking the time to read this letter. I'm writing because my credit reports contains late payments for my CareCredit/Synchrony credit card for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I called CareCredit in XX/XX/XXXX to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce. I had an excellent payment history and account was current with no late payments. CareCredit enrolled me into the customer assistance plan in XX/XX/XXXX. The representative explained to me that if I accept the plan that my CareCredit credit card would automatically you be closed, and I would pay XXXX a month and 0 % interest until the account is paid in full. I agree to the term and the agreement was set up. I want you to know that I understand my financial obligations, and it weren't coronavirus epidemic, and my hours reduce at work, I would have been able to pay my account. I spoke with a CareCredit representative in XXXX and XX/XX/XXXX, and they did a dispute online for me and I received a response stating that the information that was reported is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are hard inquiries on my account that are reflecting inaccurately. SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Please assist with removing the above hard inquiries. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I had an appointment with a local dentist for some much needed work. Upon receipt of the estimate for services ( attached ) I inquired about the use of my credit to which they gave me a pamphlet for CARECREDIT by Synchrony Bank. I submitted an application on XX/XX/2022 online. I immediately received a denial letter online ( attached ) which I believe to be in violation of 15 USC 1691.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I missed a credit card payment on my Amazon Synchrony Charge payment and I am constantly be charged late fees although have made a payment on the due date. The mininum payment on a XXXX dollar balance is XXXX. I made a prevous payment of XXXX and my balance still remain XXXX I have not been late in past two months and I am still being charge a late payment fee. I am concercerned about these predatory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This complaint is in follow-up to XXXX. Their reply does not address the full substance of my complaint, specifically the {$35.00} NSF fee I have been assessed due to their decision to decline a valid recurring bill payment transaction. I have attempted to call XXXX XXXX twice at the number provided in the answer without response. I have also e-mailed that person at the address provided. None of my communications have received a response, so I open this new case, to again ask that the substance of my complaint be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to both the creditor and credit bureaus multiple times and I get no response from neither one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I do not have a Bank Card or Credit card for Care Credit. So I do not have the account no. in order to pay the bill with a balance due tomorrow. of {$9.00}. If I am late, there isa a {$35.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
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/2022 I paid a balance of XXXX account off, balance was {$180.00}. XXXX charged my checking account XXXX different times. I contacted XXXX about the over payments. XXXX refunded me, via check, for the overpayment. About 2 months later then sent me a payment demand for XXXX, However I haven't purchased ANYTHING from the store, they alledge that that they have never received any payments from the XXXX/XXXX/2022 billing statement. I disputed this again, They reversed the charges. XXXX weeks ago I got ANOTHER billing request, allegedly saying that I owe them XXXX, After contacting them AGAIN, disputing this claim they advised me to get " proof '' of the payments. I went DIRECTLY to XXXX XXXX XXXX had a computer printout of the entire month bank statement and directy faxed such documents to " Synchrony Customer Care '' @ XXXX. I got the confirmation fax of reciept. In response XXXX DOUBLED the amount the alleged amount to debt to XXXX XXXX. Absurd. Please resolve this so I can move on from this XXXX long dispute. I paid my bill, I don't owe XXXX XXXX red cent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Good Afternoon, As of XX/XX/2022, Ive looked over my recent statements dating back a year and a half ago I was charged numerous amounts of late fees when I initially enrolled into autopay. Now they said that I enrolled into a XXXX month interest free. When I initially enrolled into a XXXX month plan. I spoke with multiple representatives today and they were not able to resolve my issue or waive any interest/ late fees Ive XXXX. They have a record of me speaking to an XXXX agent overseas on XXXX, requesting autopay enrollment, all late fees waived, and why I am receiving interest fees. I was on hold for XXXX minutes while they resolve the issue and the line disconnected. Ive tried many times to solve the issue but the agents are not very comprehensive! They deflect you from the reality of these random fees. I just want to pay off my initial balance thats all. I spend hours on the phone but again, no resolution. They now opened an investigation regarding the late fees and autopay but not the promotional balance I just now found out about. From my experience. I think theyre going to sweep this under the rug like theyve done with my other complaints. They also, randomly enrolled me into this insurance monthly fee scammed that I was unknowingly paying for each month. They credited it all back on my account amounting to {$740.00}. Theres many scammy things happening that need to be investigated. Thank you. I hope you can help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A