Date Received: 2023-11-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone has applied for a XXXX XXXX Credit card, a XXXX store credit card and for a XXXX credit card since early XXXX without my consent. I feel it XXXX be someone from my old address because when I contacted XXXX they asked if I lived now at am address where I resided 4 years ago. I have reported these fraudulent activities to the stores where credit was applied and to XXXX. XXXX informed me that they denied the application but XXXX and XXXX XXXX didn't say. I have locked/frozen my credit reports since but do not know what to do about the points i am losing on my credit for inquiries that are being made?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 667XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit score was XXXX last month now its XXXX, don't understand why it went down. I was told don't close out your account, or it will automatically fall off. I been working hard to keep my credit score up. Rooms to Go and TJ Max has not favored me, because I've closed that account out, Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I found out the payment is gone through, but the previous complaint to XXXX XXXX XXXX XXXX did not go through. I just complained the payment. It looks like the payment went though with saved credit card by the amount of {$70.00}, before I would make sure the amount was right or not. Also, I tried to change this card to auto pay, but it did not work. I just want to make sure these questions, meanwhile, I will check whether the payment go through from the credit card side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the credit reporting practices of Synchrony Bank concerning my SYNCB/Pay Pal Master Card account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Synchrony Bank has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, Synchrony Bank has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by Synchrony Bank. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. Reporting to the IRS : I will be reporting Synchrony Bank to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The following has happened twice in the last 4 months : We receive a monthly bill for charges on our XXXX Synchrony Credit Card. We pay through my bank by check well before the due date, our bank confirms receipt by Synchrony Bank, again well before its due, but Synchrony takes over two weeks to process the check before they credit my account. By then, it is past the due date so they add late charges and fees regardless of the fact that the payment was received on time. As an example, last months check was noted as received by Synchrony on XX/XX/XXXX with a due date of XX/XX/XXXX. Synchrony didnt clear the check until XX/XX/XXXX and then charged us {$140.00} in interest and late fees. I spent 30 minutes on the phone with them and for the second time in 4 month. They said it was some kind of internal error. I am sure that this is happening to others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Staring in XXXX on or about I started with the extension of credit. XXXX XXXX XXXX credit limit {$5000.00} perfect payment history and then when I finishing paying the balance Synchrony closed the account for no reason other then information pulled from credit bureau. This wrought me to not see this Bank the same anymore. The problem is that I had approximately 8 to 9 accounts all have suffered adverse actions This has led to a conglomerate of my whole credit file. The following cards are : American Eagle opened XXXX closed paid and in good standing low credit availability of XXXX which changed to XXXX City Furniture opened XXXX closed XXXX Ashley XXXX opened XXXX closed XXXX authorized user because I was in need to buy a piece of furniture and so my son had suffered opening and closing of account with a reduction of credit available of XXXX down to XXXX and then closed paid in good standing Synchrony Care Credit open XXXX has suffered a adverse of credit limit from XXXX to the limit I was in with a deferred payments which hurt my usage of credit again. Synchrony TJ Maxx opened XXXX with a XXXX credit limit to XXXX to XXXX in XXXX it was affected by adverse action with a huge decrease in credit and it was paid and in good standing Synchrony Paypal Credit opened XXXX suffered an adverse action of reduction of credit from XXXX to XXXX which is close to limit paying as agreed and never missed any payments as well. Synchrony Paypal XXXX opened XXXX credit XXXX down to XXXX closer to limit affecting ratio and definately affected my score. They single handedly controlled my who credit profile self serving themselves to my credit which is by all accounts through a security process for identity purpose not the surveilling of file to help themselves to my suffering of my own credit. I am very upset and this needs to be seriously investigated. I expressed my concern about the constant attacks to my credit file. This has come to attention in checking my report for all the errors and information all companies think is ok to place on my report. Not even 30 days go by and they jump on negative information like its gold. No chance to dispute no questions they just help themselves amongst each other like its there credit file and social security. So now I have realized that I have unlimited credit. Synchrony has been using my credit for their benefit. The credit is not for their benefit it is for my benefit to acquire household and living expenses which also includes my health with Care Credit. Why has Synchrony used these tactics of conglomeration like a syndicate of complete control of my credit. I believe this is the only bank that has practiced this constant attacks of my credit file. I have begun reading and learning about credit and securities and this is bordering like a scheme to increase and downgrade while the real security never gets downgraded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In early XX/XX/2023 I noticed my account had a note saying " Your account is Restricted '' I called immediately to find out why but the agents on the phone kept saying I have to wait until it was investigated. I made several dozen calls and same answers. They promissed that a note was being made on my account that I was calling to resolve the issue. A specific name of a person was given to me but only first name XXXX was assigned to my case. They said they will e-mail him so he can get in touch with me. He never did and its now 8 months. I need help resolving this issued. I keep getting the run around and time is going by very quickly with no resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never tried to open an XXXX account but its on my report as I did in XX/XX/2023 I believe I want this off of my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: 1-Recieved TODAY email i missed a payment with no explanation - new payment due XX/XX/XXXX, for {$98.00}. 2- CALLED XXXX SAID I MISSED XX/XX/XXXX PAYMENT. Not true... paid! Asked for manager. MANAGER stated i did not osy XX/XX/XXXX and " i was 32 dsys late '' even though today is XXXX XXXX XXXX " YOU CAN NOT USE CALENDAR DAYS to compute! '' " It is calculated by computer '' I ssked when is my due date? " no exact way to tell '' i filed a dispute. SHE SAID " I DO NOT HAVE TO PAY XXXX XXXX' I asked for paper statements since I never recieved their automated notice. THIS IS A NEW acct. WE PAID XXXX OK BUT WERE NOT NOTIFIED FOR XXXX! I am making a {$98.00} payment which should make balance up to date!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A