Date Received: 2023-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Received an digital letter on XX/XX/22 from Sybchrony Bank stating that they are closing my account due to credit worthiness even though I have never been late and have paid the balance off in full. Whereas my friend, who is white, has been delinquent for over XXXX months and to this day he has not received a letter of closure. Why then would they close the account of a good standing individual and not the one paying their bills? They did the thing to my Lowes account last month even though I paid it on time and rarely was late. This is discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: My charge date on the possession charge is incorrect. It should be XX/XX/2017
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: All my cards with them were updated with a new payment alternative. Then today I received a notice of payment bounced. They charged me {$30.00} late fee. I went online and found this account was the only one of three that the proper payment method was missing. I input the new payment information again. Paid the payment amount. I still am unable to delete the now defunct old payment method. I did call but after being in a vicious voice menu and after connecting me to customer service was I notified they were closed. Not only that for days this payment was showing as made. Is their system this unsecure?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was charged for a service I was suppose to get XX/XX/23 in XXXX of this month of {$520.00}. The vendor did not provide me service. As I had paid for her to come to me and do my hair and make up. She was not able to do this because her car broke down. I was alone with XXXX kids XXXX who has a XXXXXXXX XXXX I did not feel safe traveling to her home, she said she worked out of her home, not a business alone with kids and a child with a XXXX XXXX On the contract I paid {$150.00} extra for her to travel to me and she was not able to this due to her car issues. This was a breach of contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Subject : Formal Complaint Against Synchrony Bank for Unjust Account Closure To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank for what I believe to be an unfair and unjust closure of my account. This action has caused me considerable distress and inconvenience, and I seek your assistance in addressing this matter. Background of the Issue : Recently, Synchrony Bank decided to close my account Paypal Credit Account citing XXXX returned payments as the reason. However, the circumstances surrounding XXXX of these incidents have not been adequately considered by the bank. For the payment in question, I had sufficient funds in my bank account at the time of transaction. Unfortunately, due to an error outside of my control, the payment was initially returned. I took immediate action to rectify this situation and successfully completed the payment shortly after being informed of the error. This was a one-time incident caused by factors beyond my financial control, and not indicative of my financial responsibility or history with the bank. Concerns and Request for Action : Unfair Treatment : The decision to close my account based on this single incident seems disproportionately harsh and fails to consider my history as a responsible customer. Lack of Adequate Communication : The bank did not provide me with a sufficient opportunity to explain or rectify the situation before taking such a drastic step. Impact on Financial Standing : This action by Synchrony Bank has negatively impacted my financial standing and has caused undue stress and inconvenience. I request the CFPB 's intervention to : Conduct a thorough investigation into the matter. Ensure fair treatment and consideration of the circumstances from Synchrony Bank. Facilitate communication between myself and Synchrony Bank to find a reasonable resolution. I have attached relevant documentation to support my claim, including records of the transaction in question and correspondence with Synchrony Bank. I appreciate the CFPB 's commitment to protecting consumers and hope for a prompt and fair resolution to this issue. Please do not hesitate to contact me for any further information or clarification needed. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 1. Missing paper bill. I knew i had a payment due and kept waiting for it to arrive in the mail. When i called customer service, it was very difficult to get an agent on the line. The auto system stated my next payment was due next month, with no mention of missed payment or past due amount, purposely leading me to believe nothing was amiss and no mention of fees and interest charged 2. The previous month, I sent a paper check way before due date, and payment was not processed until after past due with fees and interest Therefore 2 months in a row i was charged due to their delay in processing paper payment, and them not sending paper bill. I have impeccable history in paying other cards timely month after month for years, so this is not user error. Lastly their automated system is deliberately misleading portraying next payment due on the regular due date, with no mention of overdue amounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 Care Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Dispute of Electronic Fund Transfer To Whom it May Concern, I am writing to dispute the closure of my Care Credit account, which was related to electronic fund transfer ( EFT ) transactions that were deemed Non-Sufficient Funds ( NSF ) incidents. I believe that the account closure may not be in accordance with the Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693, which establishes consumer rights and protections concerning electronic transactions. Under the EFTA, consumers have certain rights and protections regarding electronic fund transfers, including the right to dispute transactions. I believe that the following aspects of the EFTA may be relevant to my situation : EFTA Section 907 ( a ) : This section of the EFTA allows consumers to dispute unauthorized electronic fund transfers. While my transactions were not unauthorized, I have concerns about the circumstances surrounding the NSF incidents and the closure of my account. EFTA Section 903 ( b ) : The EFTA requires financial institutions, like Care Credit, to investigate and resolve disputes promptly. I would like to request a thorough investigation into the NSF transactions and the closure of my account to ensure that all relevant factors are considered. EFTA Section 904 ( c ) : This section states that a financial institution may not impose any liability on the consumer for an unauthorized electronic fund transfer unless the institution establishes that the consumer is liable. I believe there may be extenuating circumstances surrounding the NSF transactions that warrant further examination. I kindly request that Care Credit reevaluate the closure of my account in light of the EFTAs provisions and my rights as a consumer. I am willing to provide any necessary documentation or information to support my dispute and to assist in reaching a fair and equitable resolution. I value my relationship with Care Credit and would like to ensure that my rights under the EFTA are respected. Please consider this letter as a formal dispute of the account closure and the related electronic fund transfer incidents. I look forward to your prompt response and a timely resolution to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Synchrony/ Rooms to Go- ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed Synchrony/Rooms to Go- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed 0. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX I have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I attempted to pre-qualify for a car care credit card through Synchrony Bank, but instead of a sift pull it did a hard pull. I wanted to pre-qualify so that I was not adding any hard pulls to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A