Please include your account number on any correspondence you send to us. Orlando, FL 32896-0013. . Consumers love to do business with someone that can admit mistakes and state how they made improvements. This is the best way to manage and repair your business reputation. Payments: . Box 965030 Orlando, FL 32896-5030 Synchrony Bank P.O. 7 days a week. PO Box 960061, Orlando, FL 32896-0061. Consumers want to see how a business took care of business. So I called them and it literally took 15 minutes to reach a human being. For store credit cards (also called private label cards), send a check or money order to: Synchrony Bank, P.O. Doing more for youwhether online or in the Synchrony Bank appto keep you in control no matter what. I still talk to her or him because she or he has a old phone. If you forget your login information, click I forgot my User Name or Password on the Synchrony Bank login page. Are you still there? I didn't make anything up, I didn't slander or lye. Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years. Draper Utah, Synchrony Bank Would not update my account information and would not give me my balance. Reddit and its partners use cookies and similar technologies to provide you with a better experience. And I also filed a complaint #16-33975. This way you can catches her or him. I apologize but I was running short on time yesterday that's why I did not list many other possible things that this could be. You can make a Synchrony Bank credit card payment online, over the phone, through the MySynchrony mobile app, by mail, or at Western Union. a late fee of $38 on a $29 charge. I was tryingmore, I don't have a choice to rate Synchrony Bank with "0" stars. If you are hearing impaired and do not have a home phone. Chase Bank Credit Card Fraud Does Not Want You to stir the pot .. Synchrony Bank Amazon Credit Builder Account. You should receive your credit card 10 to 14 business day after the a If, however you have any questions about this service, please contact PayPal Credit at the above address. Has your experience with this business or person been good? For more security and protection information, read more. All rights reserved. 17. Yes it is ! How long does it take to get a SchoolsFirst credit card? selecting your account type from Synchronys credit card partners listed on its website. This is the best way to manage and repair your business reputation. hVmo8q$CmvC]w(oN_l7vcI%JPUB Maybe they send out a lame letter saying you were denied a credit card in hopes that you fill out the form and mail it back to get one? A person text me and wanted to pay for repairs over the phone and also to take a little more out to pay for the freight company who didn't accept credit cards. Has your experience with this business or person been good? Synchrony financial provides credit cards and other financing offers for large retailers, such as Amazon, Old Navy, Sams Club, and PayPal. You also need to go to your local law enforcement agency and fill out an ID Theft report. P O Box 960061, Orlando, FL 32896. (134.4 m), it is the tallest multi-story building in Orlando and Central Florida outside of Tampa and St. Petersburg . Hear from up-and-coming artists on original tracks sharing the cycle of financial empowerment. I can certainly understand how the arrival of a new statement on a long closed account can create . Disclaimer: The information and opinions contained on this site are not endorsed by LifeLock. We are committed to being fully transparent with our readers. SYNCHRONY BANK PO BOX 965003 Orlando, FL 32896-5003 [INDIVIDUAL NAME] [STREET ADDRESS] . Tom H. Orlando, FL. Box 965004 Orlando, FL Goot financial set up a membership for us with TransUnion where they would charge $19.95 each (2 of us) for per month to monitor our credit. The Synchrony Bank Credit Cardpayment address for store cards is: Synchrony BankP.O. Name, address and then SOCIAL SECURITY number. Synchrony Bank Josawa company I.D.4564041 they have not mailed mailed me a refund check in 6 weeks as stated Synchrony Bank P.O. from my checking account. I despise the automated phone systems. Both parties refuse to communicate with each and refuse to get me credit for items paid for and returned. Access cash and write checks while you earn interest. Then, select account access and you will be redirected to the credit card partners webpage you chose. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. This will REQUIRE creditors to perform additional verification steps before they approve a credit request. Press question mark to learn the rest of the keyboard shortcuts. However, if you have a Visaor Mastercard, use the following address: Synchrony BankP.O. No monthly fees. People also searched for these in Orlando: What are some popular services for financial services? Synchrony Bank P.O. I also reported this to the post office as I thought that a po box was a strange address too. Consumers want to see how a business took care of business. As far as the cyber criminal they really do have some dirt and I mean they are going to do us some dirt if we do not protect ourselves we must as a nation stand up and fight this where I didnt have to we are going to have to do anything you can to protect your assets in what you got because everybody is getting a bridge thank you shameless seven, This report was posted on Ripoff Report on 09/01/2019 04:07 PM and is a permanent record located here:
Txting my phone with fraudulent links about my Bank of America card being blocked and I don't have a bank account with Bank of America and thin they ask me if I want to receive checks in the mail. For Visa cards and Mastercards, send payment to: To pay your Synchrony Bank credit card bill over the phone, call the number on the back of your credit card, or find your cards customer service phone number on the. Earlier this month I switched my personal bank and therefore my December payment did not auto pay. (866) 419-4096. . Business Profile for Synchrony Bank. Synchrony bank immediately hit me on a $30 late charge, a $395 interest fee and closed my account for being outstanding. All rights reserved. Please note that because the site you are going to is not controlled by Synchrony, you will be subject to the terms of use and privacy policy of the website you are visiting. Each time I make a payment on a card owned by Synchrony Bank, they lower my credit limit which puts a hit in my credit rating each time. https://www.ripoffreport.com/reports/synchrony-bank/orlando-florida-32896/synchrony-bank-identity-theft-mail-fraud-mail-scam-phishing-scam-credit-theft-orland-1361845. Routing Number: 021213591. I'm not a huge fan of them but they're legit. I called the Bank to inform them tat I did not have an account with them; then I was asked for the correct spelling of my name and my Social Security no. 124085008. Hiding negative complaints is only a Band-Aid. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. thanks- do you know if freezing credit reports affect lines of credit already open? we will regrettably be unable to give further consideration to your credit request. Register your Synchrony Premier credit card for online account access. Who is ED Magedson - Founder, Ripoff Report. The company offers several financing solutions to both consumers and businesses. Box 540003 El Paso, TX 88554-0003. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Headquarters Kettering, OH 45420-1469. One of the most inexpensive options we were able to find is the protection offered by LifeLock. endstream
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Have her pull her credit reports (annualcreditreport.com) and check if there's anything out of the ordinary. And this check is for $2980.00. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. charged my credit card Three charges after complaining and telling them to cancel any other products. West Palm Beach Florida, Tuffy Tire & Auto Service Center Mavis Tire & Brake Charged Nearly $700 for Non-Fix Bay City Michigan, Lighting New York lighting by Jared Sent damaged product wont refund after I sent back damaged product website description is fake, Tara U THEY SCAM THOUSANDS OF PEOPLE WITH THEIR FLOWER ORDERS. hWmo8q$mE]7M7lemGJvj;NCd%HeIcN>`"p'X &r`si TsB.?|4(`N;8`8-\=.CkK^uT1
d}fHZKuqM:Yd Amazon, Synchrony Bank Charged late payments, reported falsely to credit bureau Nationwide, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. You can also send them a secured email, or contact them via mail. The password must contain from 6 to 40 characters and have at least one letter and one number. Who's crazy enough to start this website? If you applied multiple times for a PayPal Credit Account, you will receive a separate letter for each application that was declined, even if you were subsequently approved. I stated factual information of which I have hard proff of! In order to correct any difference in the amount that should have been credited, please send bank verification to the following address: JCPenney Credit Services C/O SYNCB P.O. 2. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. To pay your Synchrony Bank credit card bill over the phone, call the number on the back of your credit card, or find your cards customer service phone number on the Synchrony website. Basically, NEVER reply to any suspicious communication or use the contact information given in that communication Google the appropriate company and talk to them. But only list twoReally ONLY two? Experian, It's not Atlanta. my evine balance in a little over $80.00 now. Then I would take the money out of my account and deposit in the persons Bank of America account. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. Estimated amount consumers saved since 1997: $15,590,010,907. Synchrony Bank P.O. Almost everything I buy is under a plan that allows six months or even a year with no interest. Do Not Sell or Share My Personal Information. Offers apply to personal accounts only. It also provides credit cards for medical care through its CareCredit program. Equifax, 2016. Get Useful Information in Seconds. I would have said something to that effect. Box 960013Orlando, FL 32896-0013. Box 960013. The Synchrony Bank Credit Card payment address for store cards is: Synchrony Bank. Might shed some light. you can send your concerns and/or suggested corrections using the form located at Contact PissedConsumer. https://fortune.com/2020/03/13/paypal-credit-score-drop-synchrony-bank-synchb-ppc/. endstream
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APYs are subject to change at any time without notice. Corporate Advocacy Business Remediation and Customer Satisfaction Program. Ripoff Report has an exclusive license to this report. feature that allows you to make same-day credit card payments online without logging in to your account. For CD accounts, a penalty may be imposed for early withdrawals. Synchrony Bank Josawa company I.D.4564041 they have not mailed mailed me a refund check in 6 weeks as stated Synchrony Bank P.O. Tried to use the 2020 Ebay Motors Scam Again. Made $100-$200 Payments monthly, sometimes higher. Box 960006. . All business will get complaints. Then, just follow the prompts to reset or retrieve your username or password. Rebate will be recovered if loan is repaid or charged off within 180 days from the date the loan was funded. 800-292-7508. You can contact Synchrony by calling a customer service representative at 1 (888) 419-4096, or via chat and email through its website online. Box 965033 Orlando, FL 32896-5033 If you still have issues with your Synchrony Bank account or their customer service, you have some legal alternatives. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. Worst Bank Ever! P.O. I think they specialize in store credit cards but I'm not sure. Search for other Credit Card Companies in. Chase Bank is required to hold a one million dollar policy on you without your knowing or consenting. They are in good standing because they have been in forbearance. %PDF-1.6
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Orlando Florida, Chase Bank Credit Card Fraud Does Not Want You to stir the pot .. Dennis Muracco, LOL so who hasnt has it who hasnt got it by now period anyway I called up Trent union acrobatics and experience Aqua fax had an unfreeze on my room on my credit file, well I told him what happened and they but Friday alerts on all again this is the third time this is happened we are having a breach where I live at a big big massive bridge and the state of Louisiana Im telling you now its going down because the man at Trans Union said he never seen anything like this and he said yes this is going to be the biggest data breach ever to rock the nation in the nation overseas. 3 reports / Show profile. Box 965030 Orlando, FL 32896-5030 Synchrony Bank P.O. Why Ripoff Report will not release author information! hbbd``b`$Q V$% I took a look at the PayPal Extras MasterCard card statement you sent me from Synchrony Bank and it seems that rather than the account being reopened or activated this is simply a statement about a found credit balance. Florida 965004 PO Box965004 Florida, Orlando United States; Phone: 800.333.1082; Web: skymanor191@gmail. orlando florida, Synchrony Financial, Synchrony Bank Sleaziest, most unprofessional bank I have ever dealt with in my life - Synchrony Bank Atlanta Georgia, Marc Weber Stole Funds from Care Credit (synchrony Bank) wellington Florida, Purely Organics ,the Black Atom, inc, Ordered free sample for shipping cost only.was charged $2.95 and $4.90 as was specified on website plus another $4.9514 days later charged $89.95, next day $88.98. Dear Her Name: This letter is in response to your recent request to open a PayPal Credit account. They are the ones that really hurt your credit when they hard inquiry on you so maybe for a reason this is happening I think sometimes has to teach them a lesson but Im not on the cyber criminal side I am on the good side I do not believe in revenge but revenge is in my makers hand and so some businesses are going to go down because they want to make hard inquiries and those are the ones that really hurt you any as a consumer. and deposited it into my checking account. PayPal Credit/ Synchrony Bank Charged me for an item that was refunded Buford Georgia. Stein Mart Inappropriate late fees, fail to post payments, invasion of privacy, HIPPA, failure to honor agreements, ruin credit Orlando FL. I have one Synchrony card (Lowes) with a $17,500 limit that I have not used in a while, so I certainly have not been in contact with them or asked for an increase lately, plus they are a soft pull for increases anyway. I received a letter in the mail requesting my social security number and my signiture. I acted a little hasty in the fact that I just wanted to let others know what was happening so they didn't get taken advantage of. Most people may be familiar with Synchrony thanks to its partnerships with retailers around the country. NOT!!! To log in to your Synchrony Premier World Mastercard account, go to the login page on the Synchrony Bank website or mobile app and enter your username and password in the appropriate fields. Synchrony Bank Kep't my cash rewards that I had earned. orlando florida, Synchrony Bank Possible fraud/scamming to get info on my bank account. https://www.ripoffreport.com/reports/synchrony-bank/orlando-florida-32896/synchrony-bank-identity-theft-mail-fraud-mail-scam-phishing-scam-credit-theft-orland-1361845, Synchrony Bank Synchrony Scammed and lied to, Synchrony Bank Synchrony owner of Amazon Store Card Ordered items from Amazon using Synchrony Amazon Store Card. greensboro nc North Carolina, Synchrony Financial Synchrony Bank Change into my bank account settings without alerting me entailed charging me $2260.20 of interest Altamonte Springs FL, synchrony bank If I can give a zero rating..maybe a negative number then Internet, Paypal Extras Mastercard Synchrony Bank Never mailed first card, and then second card doesn't work, Walmart Synchrony Bank Credit Card They offer a $25 statement credit if you make a purchase on the same day as applying for their credit card, but then make it impossible to make that purchase by providing broken links! How those businesses take care of those complaints is what separates good businesses from the rest. . Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. No minimum balance. Hire the best financial advisor for your needs. Box 8726 Dayton, OH 45401-8726 Mail Direct account payments to: Sam's Club Direct Payment Processing I have one of their cards. On this page We've listed above the details for ABA routing number SYNCHRONY BANK used to facilitate ACH funds transfers and Fedwire funds transfers. It may not be copied without the written permission of Ripoff Report. All rights reserved. %%EOF
Website . Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. Synchrony Bank is itself a subsidiary of Synchrony Financial, which is a publicly-traded company headquartered in Stamford, CT. Synchrony Bank is FDIC-insured (FDIC #27314) as a Savings Association but funny enough, not a single "branch" is located in Florida. Heres how you can contact Synchrony Bank in more detail: You can also check Synchrony Banks FAQ page to see if theres already an answer to your question. Box 960013, Orlando, FL 32896. Synchrony Bank P.O. New comments cannot be posted and votes cannot be cast. 1200 12th Avenue South, Suite 1200 Seattle, WA 98144 USA, Synchrony Bank Care Credit Email Addres: [email protected] Social Media: FDIC Certificate: 27314. Moreover, the company offers high-yield savings accounts, certificates of deposit, and money market accounts through its banking division, Synchrony Bank. Box 965035, Orlando, FL 32896-5035. Her Name. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! Fraudulent practice. Again! |. I guess when you get a letter from "Bill Gates" saying you won 5.4 Million dollars in the Internet lottery and all you need to do is send them your SSN and $200 to handle the "taxes" you instantly come here and write a RipOff report on how Microsoft is phishing for your Identity. Visit SYNCHRONY BANK for more information. Banking anywhere, anytime. If you would like to see more Rip-off Reports on this company/individual, search here: To the first person that responded to this. Synchrony Bank, P.O. Corporate Address: Synchrony Financial 777 Long Ridge Road Stamford, CT 06902. Dealer rebate is not paid on loans less than $5,000. Choose your Synchrony Premier card username and password. Click REGISTER NOW and enter your account number, date of birth, and the last four digits of your Social Security number to verify your card account. In this case $0.78. Ty$JX#iGLgY\~AG The easiest way you can contact Synchrony Bank is either online, or by calling (877) 295-2080. Synchrony, if you're eavesdropping here, run this report past your legal department. Synchrony Bank. The letter was from (see scammer's name, above). Returned a call tonight from Synchrony Bank about a possible fraud alert and temporary lock placed by Synchrony on our Sam's Master Card. The password is case sensitive and may contain special characters. Online banking portal: You'll be able to get your bank's routing number by logging into online banking. Synchrony Bank P.O. Some popular services for financial services include: What are people saying about financial services services in Orlando, FL? 5. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Consumers love to do business with someone that can admit mistakes and state how they made improvements. They aren't going to risk their business by doing such things. You could also verify the address they are requesting you to send it to to see if it is actually their address or a different address. #REPORTSCAM highly recommends that consumers whose information has been breached obtain identity theft protection service immediately. Pinterest. F|BI>Ig0C8c8OsK\wF0~@ If you sign-up for a product or service through a link published on this site we may receive financial compensation for it. This helps support our scam prevention efforts. PissedConsumer will review your request within 2 weeks. At first glance, it would appear there's ample evidence here for legal action against this individual. Visit CARECREDIT/PRACTICES for more information. It may not be copied without the written permission of Ripoff Report. Com; . Results from the CBS Content Network. Box 965033, Orlando, FL 32896-5033. Their sector of business is heavily regulated so that rules out your BOGUS claims. I have not cashed it or go to cash it. The letter said I was denied a credit card from Synchrony Bank due to the fact that I did not fill out my Social Security Number. Synchrony Bank would nonetheless like to offer you a one-year subscription to a . strict standards for business conduct. s P%{x|r 4,4aps kd,]rNTxy%i~lP$qz%.0Ot7<9J568?bP?L$mH:/[uWC*S_ S(5]k/bBt>7;MWY&kWb8QXy^$[
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pT9ke|fch%1al%89>! neither was authorized as I called after first bogus charge to complain and stop any further chargesand SYNCHRONY BANK refuses to help.will close credit card account and bank accounts.screw them! Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. 0. Box (same as the last 5 digits of the 9-digit zip code) >>> (Zip)32896-5045. Moron! P.O. Consumers who have been contacted by scammers could have had their personal information breached. Complaint against Carecredit - Synchrony Bank, PO Box 960061, Orlando, Florida, 32896-0061, United States for "I just feel ripped off. Box 2104 P.O. More for you. This could be the way this shady bank does business? Earn interest and access cash via ATM, online, and more. Copyright 1997-2023, Ripoff Report. Sep-27-2019 12:58 PM. December 17, 1015. Lock in your rate today and make your money work for you. Copyright 1997-2023, Ripoff Report. Why Ripoff Report will not release author information! (I have not applied for credit at WALMART and rarely shop there.) The company that actually owned the card called to report fraud. I got a letter in the mail from Synchrony bank stating that I opened up for enquired about some credit cards on the dates of 523 2019 and 520 for 2019 for synchrony bank account. Roswell, GA. 0
Synchrony Bank Identity Theft, Mail Fraud, Mail Scam, Phishing Scam, Credit Theft Orlando Florida. they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! You can pay your credit card bill, see card statements, monitor account activity, and change account information such as passwords and automatic payments. I am going to fill out another one for the address I put down on here. Whether you are planning to spend big on, Financial literacy has been a topic of increasing interest over the last several years. Call Synchrony Bank at 1-866-396-8254 or write to: Synchrony Bank PO Box 965033 Orlando, FL 32896-5033 Her Address. When you first visit this page, you should see a box appear asking for your permission to give your location. I used it often throughout the year totaled around $130,000 in charges. Making charges to my credit card without my permission.
What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created. The Bank's address is P.O. I haven't requested a credit card from any bank recently. Synchrony Bank P.O. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! How do I make a payment to Synchrony Bank? After maturity, if your CD rolls over, you will earn the offered rate of interest for your CD type in effect at that time. After reviewing your payment, click "Submit.". PO BOX 965037. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Draper, Utah, Synchrony Financial Synchrony bank, Care Credit, Amazon Card, DESIGN - FURNITURE / SYNCB, GE Synchrony, GE Capital Retail Bank Charged twice for a single bill and refused to pay fees. P.O. Dont click on those slick Ads! Synchrony Bank" Phones reported: 800-480-0186. Synovus Bank, NMLS #408043, is an Equal Housing Lender. Synchrony Bank. When I FINALLY got a customer service representative, it went OK, but damn, I should not have to work so hard to pay them some effing money. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Synchrony Bank Amazon Store Credit Reject payments and charge late fee. Bob S. Place rating: 1. I contacted Chase directly (NOT through the contact info given in the email) and they told me it was a scam and no one had tried to open an account in my name they even had a fraud investigation team or something that wanted to know the email address and what the email looked like, etc. Because when you get it together today, you can go farther tomorrow. Maybe I should not be complaining, they don't make much interest on me. It is very interesting how you immediately focus on blaming this legitimate business. Also be aware that Synchrony may charge a fee to pay by phone, and the fee amount may vary from card to card. If you dont already have an account, you will need to start by clicking REGISTER NOW in order to set up a username and password. read full answer, How to Log in to a Synchrony Premier Credit Card Account. Her Address. Log in with your new Synchrony Premier card credentials. West Palm Beach Florida, Tuffy Tire & Auto Service Center Mavis Tire & Brake Charged Nearly $700 for Non-Fix Bay City Michigan, Lighting New York lighting by Jared Sent damaged product wont refund after I sent back damaged product website description is fake, Tara U THEY SCAM THOUSANDS OF PEOPLE WITH THEIR FLOWER ORDERS. Yes, open a Synchrony Bank account I'm already a customer Register for online access. P.O. Monetary Loss: $1400.00; On June 13, 2016 someone got into my Suntrust Bank On-line banking and was able to get my checking account number plus my . Credit Cards and Plans in Orlando, FL. View affidavit.pdf from SCIENCE 12345678 at Lee High School. You can start your protection here. Enter your card's brand name below. Going round in circles talking to a fucking computer. Box 965003 Orlando, FL 32896-5003 Enclosed is my complaint to the Consumer Financial Protection Bureau (CFPB) December 17, 2015 for Lowes / Synchrony Bank acct. After you have signed up and logged in, youll be able to manage your Synchrony Premier card account online. |, Synchrony Financial / Synchrony Bank / Pay Pal Credit. Loan and Bankruptcy Fraud: Banking: bank fraud: Synchrony Bank. He had been using a PayPal Credit account since 2013, when the service was still named Bill Me Later. Make sure to have your credit card handy to verify your account information. 241 0 obj
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I never requested a credit card from this bank. Give us a call: 1-866-419-4096, Got a question about your account? I paid off the care credit vet bill timely, and they cancelled the credit account. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! Also Reported Phones: 855-220-3806. Join our community, read the PF Wiki, and get on top of your finances!