{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4969,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3886514","_score":22.656677,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Amex company is misleading Small Business owners to apply to its Business credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a \" Business '' credit card.\n\nThey send multiple emails and advertising to apply to their business credit cards and then lower the FICO credit score.","date_sent_to_company":"2020-10-07T21:09:54.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"3886514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-10-07T19:36:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Amex company is <em>misleading</em> Small Business owners to apply to its Business <em>credit</em> <em>card</em> and then damaging the customer personal <em>credit</em> score with hard inquires and false <em>advertisings</em> <em>about</em> being a \" Business '' <em>credit</em> <em>card</em>.\n\nThey send multiple emails and <em>advertising</em> to apply to their business <em>credit</em> cards and then lower the FICO <em>credit</em> score."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[22.656677,"3886514"]},{"_index":"complaint-public-v1","_id":"9984590","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I came in wondering about how financing worked when buying an item at Best Buy. When I asked about it, I was aware that I would need to apply and get approved, but the worker at Best Buy told me we could check what my limit would be without actually going through with the process. At the end of it, he told me that the card would arrive in a couple weeks. I told him I wasnt aware we were going through with actually getting the card and he said sorry I must have misunderstood. He was aware I just wanted to check and not get the credit card its self. I also was not made aware of the interest of the card or handed any material with it","date_sent_to_company":"2024-08-29T18:19:12.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"84057","tags":null,"has_narrative":true,"complaint_id":"9984590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-29T18:11:49.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["He was aware I just wanted to check and not get the <em>credit</em> <em>card</em> its self. I also was not made aware of the interest of the <em>card</em> or handed any material with it"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9984590"]},{"_index":"complaint-public-v1","_id":"9924627","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"This card is from Mattress XXXX but run by Synchrony. They are charging a {$1.00} fee/m for \" paper statement fee. '' If this charge was disclosed, it was hidden.","date_sent_to_company":"2024-08-25T00:29:54.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"9924627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-08-25T00:20:33.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["This <em>card</em> is from Mattress XXXX but run by Synchrony. They are charging a {$1.00} fee/m for \" paper statement fee. '' If this charge was disclosed, it was hidden."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9924627"]},{"_index":"complaint-public-v1","_id":"9834594","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I received correspondence about a balance transfer promotion for my Citibank XXXX XXXX credit Thank You credit card. The promo offer was to transfer the BALANCE as of a certain date and pay a lower XXXX interest rate for XXXX months on the transferred balance, after which date, the interest rate would revert back to the original variable XXXX % APR. \nThere was no other explanation as to how the promo offer would work and no explanation as to the impact on the credit card credit limit and available credit. \nBased on the limited information sent to me and on-line, my understanding was that my then current balance {$1800.00} plus pending transactions of {$1300.00} would be transferred and subject to XXXX % interest rate for repayment until XX/XX/2025. At no time was it explained that this was really a loan against my available credit limit of {$6800.00} which I had planned to use for some home improvement. \nCitibank transferred the above referenced balance which was approx. {$3500.00} to my checking account which I believed I would be paying back at XXXX % interest with my line of credit in tact. To my surprise and dismay, Citibank added the balance transfer and available credit reducing my credit limit to XXXX. This was nothing more than a loan disguised as a balance transfer and I want my credit limit restored to what it was and my available credit restored. I thought the transferred balance would be a separate accounting or whatever on my card. It was not explained that it would be debited against my available credit thus reducing or eliminating my available credit and credit limit.","date_sent_to_company":"2024-08-17T16:42:59.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"9834594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-17T15:53:21.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I received correspondence <em>about</em> a balance transfer promotion for my Citibank XXXX XXXX <em>credit</em> Thank You <em>credit</em> <em>card</em>. The promo offer was to transfer the BALANCE as of a certain date and pay a lower XXXX interest rate for XXXX months on the transferred balance, after which date, the interest rate would revert back to the original variable XXXX % APR."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9834594"]},{"_index":"complaint-public-v1","_id":"9801937","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX of XXXX I opened a PC Richard credit card run by synchrony Bank and was told that it would be interest free for one year after the promotion expires I will start paying interest. After that I was told I need to go with paperless statements unless I want to be charged so I went with paperless statements. I opened an app on my XXXX  phone and I paid the bill monthly through the app which did not work too well cuz I could not access my statements but I was able to pay the bill monthly. When the promotion expired I noticed a {$2000.00} interest charge. That charge was for the years worth of interest not just monthly interest on the remaining balance. So I called the bank in the store the store could not help me and neither could the bank. The bank told me that they sent me emails and correspondence telling me that my promotion was going to expire I did not receive any correspondence or emails from synchrony Bank. They also told me that there was a 30-day grace period that they do not advertise that I also didn't know about. As of now they can not help me the card is paid off with the exception of the interest and don't know what to do from here. If I was given a heads up about the promotion ending and being charged {$2000.00} in interest I would have paid it beforehand.","date_sent_to_company":"2024-08-09T16:05:03.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"11566","tags":null,"has_narrative":true,"complaint_id":"9801937","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-08-09T15:51:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["They also told me that there was a 30-day grace period that they do not advertise that I also didn't know <em>about</em>. As of now they can not help me the <em>card</em> is paid off with the exception of the interest and don't know what to do from here. If I was given a heads up <em>about</em> the promotion ending and being charged {$2000.00} in interest I would have paid it beforehand."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9801937"]},{"_index":"complaint-public-v1","_id":"9799129","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"Citibank is advertising its XXXX XXXX co-branded credit card in the website during booking a ticket but unlike other credit cards, you do not get an online card number which can be used to book the same ticket. In essence, the advertisement is misleading because it lead me to believe that I will be able to apply and use the card to purchase the ticket. Unfortunately not only was I unable to purchase the ticket using the credit card but the airline increased the price of the ticket after applying for it. Also, I got a hit on my credit report","date_sent_to_company":"2024-08-14T20:56:49.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"9799129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-14T20:51:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Citibank is <em>advertising</em> its XXXX XXXX co-branded <em>credit</em> <em>card</em> in the website during booking a ticket but unlike other <em>credit</em> cards, you do not get an online <em>card</em> number which can be used to book the same ticket. In essence, the advertisement is <em>misleading</em> because it lead me to believe that I will be able to apply and use the <em>card</em> to purchase the ticket."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9799129"]},{"_index":"complaint-public-v1","_id":"9776746","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX recieved an email from capital one ( I currently have open and in good standing accounts with capital one ) offering to see terms and an offer of a SAVOR Credit Card Line Of Credit. The email directed me to their website I put in my info. Without being able to decide if I would agree to the terms or if I wanted the line of credit I was instantly given a XXXX credit card of which I never wanted nor what was even being offered. This is a classic example of BAIT AND SWITCH. I canceled this card immediately the very same day. My credit score however was very negatively affected. I have tried to get Capital One to remove the hard inquiry and record of this opened then closed account and they have been very unhelpful and difficult to work with. I was asked to mail a letter which would include the account number yet no one at Capital One can provide or say they have this account number to give me. I've looked on any paperwork I have and it only shows the last 4 digits of the account number.","date_sent_to_company":"2024-08-09T20:02:07.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"95678","tags":null,"has_narrative":true,"complaint_id":"9776746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-09T19:04:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX recieved an email from capital one ( I currently have open and in good standing accounts with capital one ) offering to see terms and an offer of a SAVOR <em>Credit</em> <em>Card</em> Line Of <em>Credit</em>. The email directed me to their website I put in my info. Without being able to decide if I would agree to the terms or if I wanted the line of <em>credit</em> I was instantly given a XXXX <em>credit</em> <em>card</em> of which I never wanted nor what was even being offered. This is a classic example of BAIT AND SWITCH."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9776746"]},{"_index":"complaint-public-v1","_id":"9711265","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I have XXXX credit cards with Chase Bank. They offer a pay over time plan for larger transactions. Different payback periods are offered with a monthly transaction fee. Both the monthly payment and fee are disclosed up front. The information states there is no prepayment fee. Recently, I had as many as XXXX plans. I contacted customer service to find out how to pay one of them off and was told there was no way to do that. They said if I send the specific amount to pay off that one plan, the amount would just be applied to the outstanding amount and the transaction fees would continue! The only way to avoid fees would be to pay of the entire balance. This is not disclosed anywhere that I could find. It also defeats the purpose of having a pay over time plan. It is also misleading to say there is no prepayment penalty since there is no way to pay off individual plans.","date_sent_to_company":"2024-08-05T20:39:48.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"02346","tags":"Older American","has_narrative":true,"complaint_id":"9711265","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-05T20:25:22.000Z","state":"MA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["It is also <em>misleading</em> to say there is no prepayment penalty since there is no way to pay off individual plans."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9711265"]},{"_index":"complaint-public-v1","_id":"9677577","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"RE : XXXX XXXX Care Credit XXXX for XXXX XXXX XXXX # XXXX I am writing to formally dispute the Care Credit loan I was coerced into taking out on XX/XX/year>, in the amount of {$3500.00}, for the treatment of my family cat, XXXX, at XXXX XXXX XXXX XXXX XXXX. The account number associated with this loan is XXXX. It is evident that deceptive practices were employed, and I was not made fully aware of the terms and conditions of this loan, which has resulted in significant financial and emotional distress. \nOn XX/XX/year>, I was urgently advised by XXXX XXXX XXXX XXXX XXXX to apply for Care Credit to cover XXXX 's medical expenses. The urgency of my cat 's condition and the emotional pressure exerted on me by XXXX Streets staff led to my decision to apply for this credit. I was assured that I was financing {$3500.00} at a monthly rate of {$90.00}, with my first payment due on XX/XX/year>, and that I would receive the physical card within XXXX business days. \nHowever, upon contacting Synchrony Bank, which oversees Care Credit, I discovered discrepancies and hidden fees that were not disclosed to me at the time of application : 1. Amount Financed : I was informed that I am actually financing {$3700.00}, not {$3500.00}.\n\n2. Monthly Payment : My monthly payment is {$120.00}, not {$90.00} as I was initially told.\n\n3. Additional Fees : The higher amount is due to credit card insurance, which was never mentioned or agreed to. \n4. Payment Due Date : My first payment is scheduled for XX/XX/year>, not XX/XX/year>, as initially communicated. \n5. Physical Card : I have not received the physical Care Credit card, which was promised within 10 business days.\n\nFurthermore, I was given only 10 minutes to make a decision regarding this loan, which is an unfair and legally irresponsible practice. The terms and conditions were not explained to me thoroughly, and I was misled into believing that the procedure would significantly improve XXXX 's health. Had I been informed that the procedure was not guaranteed to be effective, I would not have proceeded with it. \nThe procedure I financed was ultimately unsuccessful. Despite the financial burden, XXXX needed to be euthanized less than XXXX weeks after the procedure. Additionally, the medication prescribed to him proved counteractive, damaging other organs in his body. It is truly unfair that I took out a loan of {$3500.00} for my cat who passed away so shortly after. \nAdditionally, I request that you review the calls made to Synchrony Bank on XX/XX/year>, which will confirm that the total financed amount, terms, conditions, and hidden fees were not properly disclosed. \nIn light of the misinformation, hidden fees, and emotional coercion I experienced, I request the following : 1. Cancellation of the Care Credit loan and a full refund of all amounts paid.\n\n2. Removal of any associated fees or charges that were not clearly disclosed or agreed upon.\n\n3. Immediate cessation of any further collection attempts regarding this loan.\n\n4. Closure of the account and retraction of the loan.\n\n5. Zeroing of the balance on the account. \n\nI trust that you will address this matter urgently and fairly. Please feel free to contact me should you require any clarification regarding this dispute.","date_sent_to_company":"2024-08-02T00:47:01.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"20744","tags":null,"has_narrative":true,"complaint_id":"9677577","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-08-02T00:41:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Physical <em>Card</em> : I have not received the physical Care <em>Credit</em> <em>card</em>, which was promised within 10 business days.\n\nFurthermore, I was given only 10 minutes to make a decision regarding this loan, which is an unfair and legally irresponsible practice. The terms and conditions were not explained to me thoroughly, and I was misled into believing that the procedure would significantly improve XXXX 's health."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9677577"]},{"_index":"complaint-public-v1","_id":"9652525","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"was offered welcome of XXXX bonus miles from American Express for XXXX, I told them I had a gold card already, they said I could get the platinum for XXXX $ and get the welcome miles. the fine print said \" if you are not eligible for a welcome offer, they will notify me prior to processing my application so I would have the option to withdraw my application. ( didn't happen ) I fulfilled what I needed to as far as spending XXXX $ in XXXX months, just passed thru XXXX XXXX last week and got approached again so I played along and asked the same questions and told them what I had and they told me I would get the offer, when I call the company they just say they can't do anything but won't tell me why I don't get the offer, just that it was denied. I feel I was misled. \nThank You","date_sent_to_company":"2024-08-02T15:54:39.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"684XX","tags":"Older American","has_narrative":true,"complaint_id":"9652525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-07-29T23:12:42.000Z","state":"NE","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["was offered welcome of XXXX bonus miles from American Express for XXXX, I told them I had a gold <em>card</em> already, they said I could get the platinum for XXXX $ and get the welcome miles. the fine print said \" if you are not eligible for a welcome offer, they will notify me prior to processing my application so I would have the option to withdraw my application. ( didn't happen ) I fulfilled what I needed to as far as spending XXXX $ in XXXX months, just passed thru XXXX XXXX last week and got approached"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9652525"]},{"_index":"complaint-public-v1","_id":"9633943","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I was solicited by email, US mail, and via my online account for a promotional offer in which I would pay a fee in exchange for a 1.99 % interest rate until XXXX and/or 0.00 % interest until XXXX. This offer was presented in very large font, sent to me frequently, and sent via several methods. I had previously taken advantage of promotional offers of Chase and had decent experiences with same. \nHowever, as my statements reveal, Chase failed to fulfill its obligations to me. \nOFFER : Chase presented an offer [ 1.99 % /0.00 % interest until XXXX in exchange for a percentage of a particular amount of funds requested. \nACCEPTANCE : I accepted Chase 's offer within the time prescribed in Chase 's offer, in amount permissible pursuant to my credit limit, and paid the applicable fees pursuant to the offer. \nBREACH : Chase failed to uphold its promise made in the offer ; Chase has improperly apply my payments to my account, whereby it breached the contract it provided. \nDAMAGES : Due to the breach of Chase, I incurred the following : {$460.00} [ fees paid in good faith acceptance of the offer made by Chase ] {$110.00} + interest which may appear on my next two statements [ improperly charged by Chase ] On XX/XX/XXXX, I spoke with \" XXXX '' who presented herself as a manager. I have been a Chase customer for over 10 years. When I questioned the apportionment of my payment, she stated that payments are applied to the promotions with the lowest interest rates first. As you will see in the documents provided, this in NOT what happened with my account. \n\nI explained that I had JUST accepted the new promotions, my fees were paid, and had no concern for the fact that I JUST paid more than {$400.00} in fees for a promotional rate, and that Chase, that very month, applied my payments to those brand new promotion. She advised that there was no way for me to recover my fees. \n\nXXXX offered NO viable explanation and she failed to make any attempt to make this right. As result of Chase 's deceptive business practices and the callousness of Chase regarding this matter, I requested that my long term account be closed. \n\nJust last month I was charged a {$99.00} annual fee. In light of the above, I request that this amount also be reimbursed to me. \n\nIn addition to the breach concerning the promotional offer made by Chase, their business practices are deceptive and the advertisements of their promotions misrepresent the material facts of its offer. These facts trigger the availability of additional damages to me, including legal fees. \n\nPlease refer to the documents provided, which evidence Chase 's transactions and include additional information provided by me. \n\nThank you for your assistance with this matter.","date_sent_to_company":"2024-07-28T02:40:22.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"33624","tags":null,"has_narrative":true,"complaint_id":"9633943","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-28T01:38:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["ACCEPTANCE : I accepted Chase 's offer within the time prescribed in Chase 's offer, in amount permissible pursuant to my <em>credit</em> limit, and paid the applicable fees pursuant to the offer. \nBREACH : Chase failed to uphold its promise made in the offer ; Chase has improperly apply my payments to my account, whereby it breached the contract it provided."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9633943"]},{"_index":"complaint-public-v1","_id":"9560165","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I received a promotional offer in the mail. \nXXXX check said 0 % good till XX/XX/XXXX and the other check was for 1.99 % good till XX/XX/XXXX. The checks had to be used prior to XX/XX/XXXX. The check page stated, the standard fee for balance transfers is either {$5.00} or 5 % of the amount of each transaction. The other page stated there is a {$5.00} or 5 % fee whichever is greater for balance transfer. \nThe check page made it appear the fee was for balance transfers. I called Chase Credit Card and said I am not doing a balance transfer, it is for a new Heat pump unit, is there a fee for that type of transaction, she said No. The promo should stated There is a {$5.00} fee or 5 % fee for using these checks!! Its misleading and customer service validated no fee! They say their calls are recorded so I have proof.","date_sent_to_company":"2024-07-20T02:17:31.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"630XX","tags":"Older American","has_narrative":true,"complaint_id":"9560165","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-20T01:48:13.000Z","state":"MO","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I called Chase <em>Credit</em> <em>Card</em> and said I am not doing a balance transfer, it is for a new Heat pump unit, is there a fee for that type of transaction, she said No. The promo should stated There is a {$5.00} fee or 5 % fee for using these checks!! Its <em>misleading</em> and customer service validated no fee! They say their calls are recorded so I have proof."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9560165"]},{"_index":"complaint-public-v1","_id":"9554818","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> XXXX deducted {$54.00}. XXXX from my bank card. \n\nIn XXXX, 2024, I realized i was misled to believe the First Progress card was more like a debit card and not a credit card. I called company a few days later in XX/XX/year> to close card and asked for refund. The company closed card, but refused to refund the {$54.00}. XXXX.","date_sent_to_company":"2024-07-18T16:55:06.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"78542","tags":null,"has_narrative":true,"complaint_id":"9554818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-07-18T16:41:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["XXXX from my bank <em>card</em>. \n\nIn XXXX, 2024, I realized i was misled to believe the First Progress <em>card</em> was more like a debit <em>card</em> and not a <em>credit</em> <em>card</em>. I called company a few days later in XX/XX/year> to close <em>card</em> and asked for refund. The company closed <em>card</em>, but refused to refund the {$54.00}. XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9554818"]},{"_index":"complaint-public-v1","_id":"9539612","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I obtained the american express platinum card because they sent me an offer for XXXX membership rewards points for XXXX dollars of spend within 6 months and I accepted the offer and was approved for the platinum card. \n\nOn XX/XX/XXXX, I received my XXXX points but I kept using the card well after that date until I found out on XXXX that I received the points so started spending with other credit cards that had better points rewards for other categories ( groceries, dining, entertainment, etc ). \n\nOn XX/XX/XXXX, I found out that american express took away my XXXX points. I reached out to chat support asking why the points were taken away and found out that it was because I had refunds/credits on my statement and they reiterated the terms and conditions saying that any misuse/abuse/gaming including refunds/credits on the account will allow for american express to take back those points. I asked for the specific transaction but they refused to give me the specific transaction and said that they will never add back the points no matter what. \n\nI asserted that american express should not have awarded me the XXXX points in the first place or simply took away the XXXX points when the credit/refund was first seen because I would have more than happily made more purchases but they took away the XXXX points 4 months later ( 2 months after when the welcome offer would expire ) almost as if they did it so that they could specifically not add the points back. This is extremely deceptive and unfair and I feel like they specifically used the timeframe to their advantage.","date_sent_to_company":"2024-07-17T14:47:00.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"21042","tags":null,"has_narrative":true,"complaint_id":"9539612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-07-17T13:57:23.000Z","state":"MD","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I obtained the american express platinum <em>card</em> because they sent me an offer for XXXX membership rewards points for XXXX dollars of spend within 6 months and I accepted the offer and was approved for the platinum <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9539612"]},{"_index":"complaint-public-v1","_id":"9531637","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"Ordered an item on XXXX using a CHASE Freedom card. The order was delayed because an offer, for financing it with payment being broken down into multiple instalments. would not clear after many attempts. Interest on the payments would have added to the cost of the item.","date_sent_to_company":"2024-07-22T13:07:31.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9531637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-16T15:47:54.000Z","state":"PA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Ordered an item on XXXX using a CHASE Freedom <em>card</em>. The order was delayed because an offer, for financing it with payment being broken down into multiple instalments. would not clear after many attempts. Interest on the payments would have added to the cost of the item."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9531637"]},{"_index":"complaint-public-v1","_id":"9506784","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I responded to an offer that came in the mail for a pre-approval Bread Cashback American Express credit card with a {$200.00} bonus if the cardholder spends {$1000.00} in the first three months of account open ( attached. ) The prescreen ID expired on XX/XX/XXXX but Id lost track of days that holiday week, so when the link directed me to an application for the same card, I assumed it was the same offer. I filled out the application, which was immediately approved. \n\nWhat was NOT made clear, and in fact what was very misleading, was that Id been routed to an application for a different credit card account, XXXX that did not offer a {$200.00} cash back bonus. \n\nThat {$200.00} cash back bonus was the only reason I wanted the card. So I immediately called Comenity Capital Bank ( XXXX ) - the bank administering the Bread Cashback card - and cancelled it. ( Comenity 's letter acknowledging the account closure - attached ) To my dismay, although Id opened the account based on misleading information, and although Id had the account for less than XXXX minutes, and more so, had been told I was pre-approved ( also misleading, ) Comenity Capital Bank conducted XXXX HARD INQUIRIES on my credit report ( attached ) as follows : XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX - EXPERIAN XX/XX/XXXX - CCB/BreadCashback - XXXX XX/XX/XXXX CCB/BreadCashback - XXXX So on XX/XX/XXXX, I called Comenity Capital Bank and spoke with XXXX who XXXX it was possible XXXX remove these hard inquiries but that I had to write to Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX, OH XXXX, to request they be removed. \n\nAs XXXX advised, on XX/XX/XXXX, I wrote to Comenity Capital Bank requesting they remove the XXXX hard inquiries, explaining that the application process had been misleading. ( letter attached ) The only response I received was XXXX letters ( attached ) : XXXX saying they would correct my credit report and one saying that the information was accurate since I did open an account. \n\nThere was no acknowledgment of my having applied for a XXXX XXXX credit card under misleading circumstances, nor did they address the fact that the account had been closed within minutes. \n\nIn the end, Comenity did not remove the XXXX hard inquiries as I requested on valid grounds.","date_sent_to_company":"2024-07-15T02:19:59.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"9506784","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-07-15T01:56:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["What was NOT made clear, and in fact what was very <em>misleading</em>, was that Id been routed to an application for a different <em>credit</em> <em>card</em> account, XXXX that did not offer a {$200.00} cash back bonus. \n\nThat {$200.00} cash back bonus was the only reason I wanted the <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9506784"]},{"_index":"complaint-public-v1","_id":"9506723","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a complaint regarding unfair charges and misleading terms associated with my Capital One SavorOne credit card. I applied for this card at the end of XXXX, motivated by multiple promotional emails from Capital One which highlighted benefits such as 15 months of 0 % APR and a {$200.00} reward. These features matched my needs, and the pre-approval process confirmed my eligibility with a {$3000.00} credit limit. \n\nHowever, 45 days after activating the card, I was unexpectedly charged {$30.00} in interest. Upon inquiring with Capital One 's customer service, I was informed that the terms and conditions of the offer had changed and that my situation did not qualify for the 0 % APR and {$200.00} reward. This information was reportedly mentioned in the joining letter via email, which I did not find clearly communicated. \n\nDespite my efforts to seek clarification and request the possibility to switch to another card, I have been unable to resolve this issue. This situation has left me feeling misled and unfairly treated, as I am now incurring interest charges and have not received the promised rewards. \n\nI am requesting the CFPB 's assistance in investigating this matter and advocating for a fair resolution. Specifically, I believe it is only fair to honor the promotional terms that influenced my decision to apply for this card. Additionally, I would appreciate any assistance in rectifying the current interest charges and ensuring that I receive the {$200.00} reward as initially promised. \n\nThank you for your attention to this matter. I look forward to your assistance in achieving a prompt and satisfactory resolution.","date_sent_to_company":"2024-07-15T02:05:55.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"9506723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-07-15T01:48:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I am writing to file a complaint regarding unfair charges and <em>misleading</em> terms associated with my Capital One SavorOne <em>credit</em> <em>card</em>. I applied for this <em>card</em> at the end of XXXX, motivated by multiple promotional emails from Capital One which highlighted benefits such as 15 months of 0 % APR and a {$200.00} reward. These features matched my needs, and the pre-approval process confirmed my eligibility with a {$3000.00} <em>credit</em> limit."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9506723"]},{"_index":"complaint-public-v1","_id":"9444580","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I have an account with Comenity Bank ( XXXX XXXX credit card in XXXX ). I bought a laptop with a promotional price of {$3000.00}. The payments were set for 12-month autopayments of {$250.00}. I just set the payment plan and forgot about it. After that, I bought another laptop and a device but I immediately paid them off. When it comes to the last {$250.00} payment I get a charge of {$730.00} extra accrued interest. It turned out that my promotional plan ended a month prior. I didn't get any notification about the ending of the promo. I contacted them via inside mail and they ( looked like a robot ) advised me to go to the statements and see that the plan expired, also they said they could not reach me through the phone call as it's not possible in their system. Honestly, I never read statements before assuming that I was good cos I had the autopayments plan. I tried to explain that it was not that I didn't want to pay it was just confusion with the autopayments. As a result, I got a robot-like response saying the same and not solving the issue. In my frustrated state of mind, I decided to pay it off and let them know that I would file a complaint against them and possibly sue them. I strongly believe that this promo and payment plan are intended to confuse a customer in order to charge extra money. I want justice in getting back the overpaid amount of {$730.00} and a human attitude, not a robot-like one.","date_sent_to_company":"2024-07-06T19:01:23.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"90012","tags":null,"has_narrative":true,"complaint_id":"9444580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-07-06T18:30:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I have an account with Comenity Bank ( XXXX XXXX <em>credit</em> <em>card</em> in XXXX ). I bought a laptop with a promotional price of {$3000.00}. The payments were set for 12-month autopayments of {$250.00}. I just set the payment plan and forgot <em>about</em> it. After that, I bought another laptop and a device but I immediately paid them off. When it comes to the last {$250.00} payment I get a charge of {$730.00} extra accrued interest. It turned out that my promotional plan ended a month prior."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9444580"]},{"_index":"complaint-public-v1","_id":"9390614","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/year> - I was in the process of booking a flight on XXXX XXXX. As I was preparing to checkout and pay, there was a promotion for the Citi AAdvantage credit card. If I apply for the credit card and use it on this purchase I can earn a {$200.00} account credit making my flight purchase net {$200.00} less and I would earn XXXX bonus miles due to the amount of the purchase. I clicked the \" Learn More '' button which took me to a Citi website where it also advertised a \" XXXX XXXX '' offer of the {$200.00} account credit and XXXX bonus miles. I clicked the \" Apply Now '' button and began my credit card application. \n\nI was immediately approved and my credit limit is {$28000.00}. I received an email indicating my account is considered open as of today ( XX/XX/XXXX ), and I will receive my credit card in the mail within XXXX business days. \n\nThat being said, I am unclear how I can use this card to complete my purchase on the XXXX XXXX website. \n\nI called Citi hoping to get access to a temporary account number so I can complete my purchase, but after getting transferred to multiple different departments and speaking with different agents and a supervisor, I was told they could not give out any information and I have to wait for the physical card to come in the mail. \n\nThe only reason I opened the credit card was to get the \" XXXX XXXX '' rewards ( bonus miles the statement credit ) from this purchase and the card member benefits when traveling on AA. I need to book the today flight because the rate will go back up and I wanted to get the rate I found today which was {$500.00} less than what I have been watching. \n\nThis is predatory marketing and completely misleading. This is terrible customer service. I don't even have the card yet and I am upset with the company. Applying for the card made a hard inquiry on my credit for no good reason as I can't even use the card today. \n\nI will have to use a different credit card to complete my purchase which means I will not get any of \" XXXX XXXX '' promotions advertised or any of the cardmember benefits for this flight with XXXX XXXX ( free checked bag, priority boarding, discount of in-flight purchases, etc. ). Citi needs to find a way to make this right with me.","date_sent_to_company":"2024-06-30T18:49:36.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"60014","tags":null,"has_narrative":true,"complaint_id":"9390614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-06-30T18:20:39.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["The only reason I opened the <em>credit</em> <em>card</em> was to get the \" XXXX XXXX '' rewards ( bonus miles the statement <em>credit</em> ) from this purchase and the <em>card</em> member benefits when traveling on AA. I need to book the today flight because the rate will go back up and I wanted to get the rate I found today which was {$500.00} less than what I have been watching. \n\nThis is predatory marketing and completely <em>misleading</em>. This is terrible customer service."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9390614"]},{"_index":"complaint-public-v1","_id":"9378922","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I am a XXXX individual who underwent XXXX XXXX and am a member of a protected class under the Americans with Disabilities Act ( ADA ). I have been a loyal Barclays client for nearly a decade, maintaining an XXXX FICO score and a spotless payment record. Recently, I encountered a troubling situation with Barclays promotional offers. \n\nWhile attempting to pay my bill online, I noticed XXXX promotional offers : XXXX for a XXXX or XXXX card, and another for a 3.99 % APR on purchases. Due to technical issues with the website, I called Barclays for clarification. During this call, I was informed that they could waive the annual fee for my existing titanium card. However, it was not clearly disclosed to me that accepting the fee waiver would cancel and delete the other promotional offers I was evaluating. The poor phone quality on their end exacerbated this issue. \n\nSubsequently, and in real time while I was discussing the gold and XXXX card offers, they disappeared from the website. When I inquired, the representative stated that I was no longer eligible for any offers for at least 90 days and provided me with a legal address to file a complaint. He further stated there was no guarantee if and when I would receive these offers again, however. The representative was unable to rectify the issue, despite calling me back several times due to the poor phone quality on Barclays end. \n\nLegal Basis for Complaint : XXXX. Americans with XXXX XXXX ( XXXX ) : Under Title XXXX of the XXXX, businesses must ensure effective communication with individuals with XXXX ( XXXX XXXX. XXXX ( b ) ( XXXX ) ( A ) ( iii ) ). The poor phone quality and inadequate disclosure violated my right to clear and accessible communication. Case law supports that failure to provide effective communication is a violation of the XXXX ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). \nXXXX. Fair Credit Reporting Act ( FCRA ) : The FCRA requires fair and accurate credit reporting and practices ( 15 U.S.C. 1681 ). The arbitrary cancellation of promotional offers without proper disclosure affects my credit options and overall financial planning. Case law such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) highlights the importance of accuracy and fairness in credit reporting. \nXXXX. Consumer Financial Protection Act ( XXXX ) : The XXXX prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in the consumer financial marketplace ( XXXX XXXX. XXXX ). The failure to disclose the cancellation of offers and the subsequent denial of access to those offers constitutes an unfair and deceptive practice. Relevant case law includes CFPB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ), which underscores the prohibition of deceptive practices. \nXXXX. Truth in Lending Act ( TILA ) : TILA requires clear and conspicuous disclosure of terms and conditions associated with credit offers ( 15 U.S.C. 1632 ). The failure to clearly disclose that accepting the fee waiver would result in the cancellation of other promotional offers violates XXXX. The case XXXX v. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) illustrates the necessity for clear disclosures in credit transactions.","date_sent_to_company":"2024-06-28T22:04:16.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"920XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9378922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-06-28T21:40:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Fair <em>Credit</em> Reporting Act ( FCRA ) : The FCRA requires fair and accurate <em>credit</em> reporting and practices ( 15 U.S.C. 1681 ). The arbitrary cancellation of promotional offers without proper disclosure affects my <em>credit</em> options and overall financial planning. Case law such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) highlights the importance of accuracy and fairness in <em>credit</em> reporting. \nXXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9378922"]},{"_index":"complaint-public-v1","_id":"9342891","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"I filed a complaint previously that was closed XXXX. The issue continues. \n\nI receive credit offers from capital one for my ex wife from 6 years ago at my house with my new wife. My ex wife never lived at my current address. \n\nWe have called capital one multiple times and have yet to see this fixed. The previous complaint was closed, but never actually fixed.","date_sent_to_company":"2024-06-25T12:15:33.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"14086","tags":null,"has_narrative":true,"complaint_id":"9342891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-25T12:09:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I receive <em>credit</em> offers from capital one for my ex wife from 6 years ago at my house with my new wife. My ex wife never lived at my current address. \n\nWe have called capital one multiple times and have yet to see this fixed. The previous complaint was closed, but never actually fixed."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9342891"]},{"_index":"complaint-public-v1","_id":"9335251","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"Decision to pay off balance. On XX/XX/XXXX went into online account to check balance so I would have correct balance due. \nCaught off guard because the balance was so high, which I looked at the only correspondence from company regarding my account. I only get statements online, no emails, text messages, or mail. \nThe statement showed ending XX/XX/XXXX where the balance was at almost {$2400.00}, with a notation saying promotional period will be ending shortly ( I had believed promotional period would end in XXXX ). \nFound out during conversation with companies customer service that the total balance ( which was about {$2400.00} ) now had the total interest ( 32.99 % ) of about {$1600.00} added onto on balance. Company did this on XX/XX/XXXX when they said promotional period ended. \nLooked at next statement ( that is only provided online, which I had never looked at, only making all necessary payments online ). \nXXXX statement showed additional interest charged adding almost an additional {$150.00} to balance, now bringing total due over {$4000.00}. Figures are not exact, but approximate since I didn't know if I was to download all statements. I have always made monthly payments, trying to make payments a little more. \nBut no other form of communications ( email, texts, letters, etc ) were provided that promotional period was ending ( except in a note on online statement ) helping me as a great citizen who pays her bills! \nI communicated all information to the company that on XX/XX/XXXX I was going into my account to pay, in full, my balance due of about {$2400.00}. I informed them I thought promotional period ended in XXXX and that is why I planned to pay balance in full. I actually begged and pleaded to eliminate interest and I would pay immediately. They refused. Talked to management and was told that the COMPUTER would not allow that. \nWas shocked that a computer dictated how a good paying customer, could be denied the common courtesy to eliminate interest charges that I know every company could adjust with management approval. Now this will effect and seriously hurt my credit score which has always been top notch. \nSo this company said in a online statement that promotional period would end shortly ( no actual date or month was provided as far as I know ) which a date on statement said XX/XX/XXXX. Then on XX/XX/XXXX when attempt to pay balance in full was made is when I saw the whole promotional period interest was added. Next payment was due XX/XX/XXXX with additional interest of about {$150.00} was added. \nCalled company immediately and was told the interest was added on XX/XX/XXXX. I would have paid balance immediately if they would have somehow disclosed the dates. Please contact me for additional information please. \nThank you","date_sent_to_company":"2024-06-25T17:12:49.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"55021","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9335251","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-06-25T16:13:18.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Now this will effect and seriously hurt my <em>credit</em> score which has always been top notch. \nSo this company said in a online statement that promotional period would end shortly ( no actual date or month was provided as far as I know ) which a date on statement said XX/XX/XXXX. Then on XX/XX/XXXX when attempt to pay balance in full was made is when I saw the whole promotional period interest was added. Next payment was due XX/XX/XXXX with additional interest of <em>about</em> {$150.00} was added."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9335251"]},{"_index":"complaint-public-v1","_id":"9293480","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"False Advertisement and Deceitful Business practice Please see below Citi Double Cash advertised, to XXXX members specifically : : Intro Bonus Earn {$200.00} cash back after you spend {$1500.00} on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as XXXX Thank You Points, which can be redeemed for {$200.00} cash back. \nhttps : //usa.experian.com/mfe/member/credit-cards/offers I spent {$370.00} in the first month of the card been issued and {$1400.00} in the second month of the card being issued for a total of {$1800.00}. I have reached out to Citi bank for a statement of credit of {$200.00}. And they have been giving me a run around. First, they requested a Print screen with the offer information. Which was promptly emailed to them. They said to give them three to five business days and they were given the five business days with no action. They requested another three days which were given to them to process again without the promised result. When I called back again, they said to provide them with my address which they already have. Next time they said it would be resolved within three hours. Today, they claim that my account is not eligible. After they duped me {$1800.00} under the false and fraudulent pretense that if spend {$1.00} in the first six months I get a {$200.00} statement credit. This is a fraudulent and deceptive business practice ; all they want is for consumers to spend {$1.00} so they can rip off the consumer with an interest rate. If I had known this was a fraudulent scheme, I would not have applied for Citi Double Cash. It is a rip-off and copycat from XXXX XXXX anXXXX XXXX XXXX XXXXXXXX XXXX The only difference is that XXXX XXXX XXXXXXXX and XXXX XXXX honored and paid the advertised {$200.00} introduction Statement after spending the stipulated amount of money. As for Cit bank they are con artist and dupers. At minimum you can have them pull their false advertisement of {$200.00} statement credit after the consumer has already spent {$1.00}, XXXX.","date_sent_to_company":"2024-06-18T23:54:53.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"20782","tags":null,"has_narrative":true,"complaint_id":"9293480","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-06-18T23:38:05.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["https : //usa.experian.com/mfe/member/<em>credit</em>-cards/offers I spent {$370.00} in the first month of the <em>card</em> been issued and {$1400.00} in the second month of the <em>card</em> being issued for a total of {$1800.00}. I have reached out to Citi bank for a statement of <em>credit</em> of {$200.00}. And they have been giving me a run around. First, they requested a Print screen with the offer information. Which was promptly emailed to them."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9293480"]},{"_index":"complaint-public-v1","_id":"9252578","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"- The company is XXXX XXXX- Applied for a credit card and received the card with a promo offer of 24 months no interest charges same as cash. \n\n- I purchased a bed on XXXX using the 24 month option - I received a letter in the mail on XXXX from XXXX XXXX advising that they will be add 2 % promotional transaction amount to with duration of 18 months or more and if I call and reject the fee I will not be able to use my card for new transaction- This is a bate and switch and I want you guys to correct this if I know this I would have never used this card to begin with.\n\n- This is another way for them to make money on bogus fee after I have made 2 months of payments so now I can't refund the purchase.\n\n- Lets think if they told peopel about this upfront would I still be a customer?\n\n- Also if it is in the fine print it would need to highlighted and pointed out as part of the purchase and the rep at the store never mention this to me and I feel cheated because they are now trying to backdoor me the customer for extra money they are not entitled to.\n\n- CFPB FIX THIS NOW ITS DECEPTIVE AND UNCALLED FOR XXXX XXXX  NEEDS TO UP HOLD THERE END OF THE BARGIN Thank you,","date_sent_to_company":"2024-06-13T05:11:49.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"94589","tags":null,"has_narrative":true,"complaint_id":"9252578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-06-13T04:43:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["- The company is XXXX XXXX- Applied for a <em>credit</em> <em>card</em> and received the <em>card</em> with a promo offer of 24 months no interest charges same as cash."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and marketing, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or <em>misleading</em> <em>advertising</em> <em>about</em> the <em>credit</em> <em>card</em>"]},"sort":[22.136265,"9252578"]},{"_index":"complaint-public-v1","_id":"9245590","_score":22.136265,"_source":{"product":"Credit card","complaint_what_happened":"This letter was received in the mail at my home, an emailed to me at a work address. The letter states that my application for their credit card is missing information to be processed. I was taken aback, because my first thought was that I had just gotten a new store credit card, also a XXXX, so that maybe this had to do with that card. But as I really thought about that, the store would have already taken all the information to XXXX me instant credit access. \n\nWhen I saw the email at my work account, I thought maybe it had to do with a medical expense card/HSA card ; however, this particular employer is strictly now per diem, so I wouldn't have a card like that coming through to me. \n\nThere is no contact information listed on this letter ; only a website to where I can upload the \" missing '' information. When I finally was able to find a number on the internet and get a person on the phone, he politely declared to me that \" this was just an advertisement. '' The letter, paraphrased, states, \" Thank you for applying... we need the following information to continue processing, within the next 30 days. '' No where in the letter or in it's fine print, is it made clear that this is an advertisement or marketing attempt to enroll someone to a new account. \n\nThis letter really bothered me, because I know I have elderly family and less critically thinking friends, who would have likely sent this information to the website, as instructed. It is not just misleading, but it blatantly lies by declaring, \" Thank you for applying ... '' This is just a scam, in order to collect personal information and issue high-rate credit cards.","date_sent_to_company":"2024-06-12T17:06:44.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"064XX","tags":null,"has_narrative":true,"complaint_id":"9245590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2024-06-12T16:49:25.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["The letter states that my application for their <em>credit</em> <em>card</em> is missing information to be processed. I was taken aback, because my first thought was that I had just gotten a new store <em>credit</em> <em>card</em>, also a XXXX, so that maybe this had to do with that <em>card</em>. 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