Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I believe I have been getting false reports starting with a mortgage from XXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. The following accounts is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened the XXXX XXXX XXXX card on XX/XX/2023 directly through a public promotion offer via XXXX XXXX XXXXl. The promotion states a XXXX MILES BONUS OFFER. In XXXX, I have made sure I met all the requirements to receive this offer, which was further confirmed by the Synchrony bank as evident by the XXXX bank statement. On the statement, it shows the opening bonus miles I received is XXXX. However, as of XX/XX/2023, the total miles I see in my account is XXXX opening miles plus XXXX miles earned from other purchases. I have contacted the company many times trying to resolve this issue and has also provided all the documents proving the XXXX offer. However, the company kept asking me to call a number where the representative just shut down my call without explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a financial situation where I had to use my lines of credit on my credit card. We had to use those credit lines for a long time and pay the minimum for some time with some delays. Through time we have reduced all the credit card debt but the reduction of the credit card limit and high utilization of my credit has impacted my credit score. A couple of months ago wrote to the CEOs from XXXX XXXX, XXXX and XXXX which are my main credit cards and explained the situation that need to increase my line of credit to stop the high utilization of my credit line. I explain to them the situation and ask them to do something about my credit limit. I have between the three companies a Line of credit of around XXXX USD including some others and now I have only XXXX XXXX between the three. All this has impacted my credit score. I have never defaulted or filed for bankruptcy. I have paid every penny owed to all the credit card companies and banks but their justification is the use for a long time of the line of credit. I find this unacceptable since they have all the lines of credit I have during my whole credit card history and they have received all their money. I would expect the credit card companies to recognize they have received all their money and at least restore half of my previous line of credit to reduce to acceptable levels of credit line utilization and increase my credit score to normal levels. I want the credit card companies to help me reduce my high usage credit utilization to restore my credit score to good.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are hard inquiries on my account that was not authorized by me. i didnt give these comapnies permission to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023, at the XXXX XXXX XXXX. I discussed purchasing some products from a XXXX XXXX sales representative named XXXX XXXX. We got to the point of discussing price, but never agreed to a purchase. I did not even know about a credit application, as that was not discussed at all. XXXX requested a signature, but I refused and specifically stated that I was not purchasing. I was clear, and there was zero confusion about my refusal. Despite my refusal, and in what I consider blatant fraud, an order for the product was placed, and this credit account was opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
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: 2023-11-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXXXXXX XXXX sent me a debt collection and the company is lying about the account and when I made a payment last. This is a paypal credit account that synconry bank bought after I had a huge issue with paypal and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my paypal account until I get things worked out with paypal. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a female manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX, I signed up for a CareCredit card to fund the XXXX of a pet. The first six months of payments are interest free. When I received my first statement in XXXX, I noticed a PYMT CARD SECURITY charge. I wasnt sure what the charge was for and didnt take action until XXXX when my statement again showed this fee. After doing a bit of research in credit card forums, I discovered that others have run into this same issue with CareCredit. It seems that despite my never consenting during the credit card sign-up process, the company is sneaking in a 1.6 % fee on the outstanding balance. Inside the CareCredit app, I navigated to the contact via chat section. I asked to remove payment card security and the chat bot responded with an automatic message telling me to a call an XXXX number to remove the charge. The XXXX number included an automated voice that asked me to enter the CareCredit card and to proceed with ending the 1.6 % charge. Within the week, my CareCredit reflected the fee being refunded to my account. Overall, I am satisfied that the money was returned and the process for getting it back was relatively simple. However, I am disturbed that the hidden fee was applied in the first place. I dont remember consenting to this, and I never received any information for opting out either. People in the forums were mentioning in their experience me that they couldnt get the money back after 90 days of opening their CareCredit account. Luckily for me, I was still inside the 90 day window.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Paypal has violated FCBA by illegally assessing fees after claiming there would be none.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Tried to make a purchase using my Lowe 's credit card ( which contracts with Synchrony Bank for the credit card services ). The charge was declined ( {$1500.00} ), I had a XXXX balance with a line up to {$13000.00} so that was not an issue. Called up Synchrony bank, I was sent to their fraud department. Explained to them who I was, the Lowes salesman confirmed my identity with my drivers license. They tried to remove the loc, but they could not fix the problem ( operational risk problem ). Talked with Synchrony rep, she didn't know how to fix the problem, then talked with her manager she could not fix it, had salesman confirm identity, again they could not release the lock on my card. Ended up using another card for my purchase. Synchrony Bank compromised my character by declining the card, they also made Lowe 's look bad for making a good customer go through this. Lowe 's did give me a 5 % discount on my purchase for the stupidity ( operational and reputational risk problem ) of Synchrony bank doing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A