Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 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. '' ( SYNCB/PPC ) , is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( SYNCB/PPC ) XXXX the financial institution, and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, or SYNCB/PPC , whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 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. '' SYNCB/PPC Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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 1681s2 ( 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 is 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: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default XXXX out of XXXX XXXX from XX/XX/XXXX. I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in XXXX XXXX against me before I lived there? I called XXXX XXXX XXXX who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX account information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is XXXX years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from XXXX XXXX XXXX asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and XXXX XXXX letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was voluntarily taken off a credit card from lowes/ SYNCB/LOW XXXX that am no longer an authorized user on and lowes has reported to the credit bureau XXXX and others that I own an out standing balance of {$10.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: my billing statement goes from the XXXX to the XXXX of next month, so what im saying is that synchrony bank computer has a glitch to it! lets say my XX/XX/XXXX through XX/XX/XXXX statement is due by XX/XX/XXXX, now if i pay my statement in full on XX/XX/XXXX, and i want to put money towards my next statement say on XX/XX/XXXX their computer sends that payment to the XX/XX/XXXX statement even though that statement is at {$0.00}, and then i pay the XXXX down to XXXX their computer doesn't realize that the payment made on the XXXX went to the wrong statement and it doesn, t know to put that payment to the next statement and by the time they figure it out they have charged me an interest charge when my statement are always paid in full!!! and how long has this been happening over the last 20 years that i have had that credit card??? and its a paypal credit card but the bank they use is syhchrony bank... plz help for i have called them and they won't take the charges off!! and again my statements are always paid in full by the due date! and XXXX statement they charged me {$60.00}, and XXXX statement they charged me {$64.00}, and then i can't get my other statements because the computer says try again later!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days SYNCB/CARE CREDIT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was asked to fax my proof of all payments to my account with synchrony bank acc end XXXX .so I asked faxed all bank statements for online payments and paper receipts from in store payments for the dates of XX/XX/XXXX through XX/XX/XXXX I faxed it to XXXX the fax number that I was provided with.an investigation was done the account was accurate after the investigation and then I started. Getting statements saying I have another balance the account has been closed since XX/XX/XXXX so should not have been no purchases and the account should be {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My account with Synchrony Financial was closed in XXXX. I have continued to be charged late fees charged on going. The auto payment continues to fall off, Due date moved without notice. Unable to reach anyone because the account is closed. I have continued to pay on this closed account for the last three years. The balance is almost paid but each time I check the account, either the auto pay falls off due to the account being closed or the due date is moved. I am unable to contact anyone that can help me. I am only able to go back to YTD XXXX of XXXX. Since then, I have paid a total of {$630.00} dollars in payments and been charged {$360.00} in fees. The account balance on XX/XX/XXXX was {$890.00}. Without the fees, my account as of XX/XX/XXXX would be {$250.00} not the {$660.00} reflected. I appreciate your help in this matter. XXXX INTEREST CHARGE ON PURCHASES Posted {$18.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$21.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$20.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$23.00} XXXX LATE FEE Posted {$38.00} Interest INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$21.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$22.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Since Synchrony Bank took over PayPal Credit I have been having a problem with the amount of money they claim I have to pay every month in order to avoid interest on my next statement. This is because they refuse to apply my payments to my standard purchases first, but instead apply my payments to my deferred interest promotional purchases first. The only way to have them apply payments to the standard purchases first is to call them EVERY MONTH after I have sent the payment. There is no way to set my account to do this nor is there a way to accomplish this online. I must call customer service and speak with someone after a lengthy wait. For example, last month I paid the entire amount I needed to pay plus some to avoid interest charges. During this current statement billing cycle I only purchased XXXX $ in standard purchases. My total new purchases on my account amounted to XXXX XXXX This is because XXXX of my purchases are deferred interest if paid within 6 months of purchase. I currently have no deferred interest balances due by XX/XX/XXXX. And while I was not charged interest last month because I sent a huge payment covering all they asked for ( XXXX $ ), if I don't send {$420.00} this month I will be billed interest. Even though I only have {$170.00} in new standard purchases and no deferred interest purchase balances are due in XXXX. In essence, I should only have to send {$170.00} in XXXX to cover entirely my standard purchases to avoid interest charges. When I called, they explained to me they do not put my payments toward my standard purchases first. They put my payments completely toward the deferred interest balances. Creating a situation where I always have large amounts of standard purchases due every month. Even though I thought I was monitoring my expenditures for the month to create a manageable payment and avoid interest. I did not realize that Synchrony Bank is not honoring the system that PayPal used when determining amount needed to avoid interest. PayPal always put the payments toward interest bearing purchases FIRST then toward the deferred interest purchases. Further I was under the understanding that during the Obama administration this practice was banned. It is unethical and I am having other problems with the credit cards I have now owned by Synchrony Bank. Unlike the years and years with no issues having these cards before Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi I had an issue with an purchase that I ordered back on XX/XX/2023 The sales representative XXXX never added the table to that order. When the furniture came in on XX/XX/2023 The table was not ordered which meant I have to go back to the store a thrid time and they were trying to charge me for delivery. Initially stated at that time that I did not want to order anything else from them however the sales manager stated that she wanted to make it right at that time we placed the order, which the soonest was XX/XX/2023. With hesitation I finally agreed. On XX/XX/XXXX a women named XXXX then called me and advised that I would not get it the table till XX/XX/2023 that time I made another trip to there location, Spoke with the manager at that time called the store to make sure there was an order for it on XX/XX/XXXX. My phone was off by accident and they called me I called them right back about XXXX. Later at that time they stated they could not bring it back and that I would have to pay for an delivery fee I asked the manager at that time what am I getting compensated for they then stated they would have to charge me and I advised them if that was the case that I did not want the table and will take my business elsewhere, Which resulted in them retaliating and closing the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The credit card company, Care Credit, portrays a helpful way to work with consumers for medical procedures. While they offer 0 % interest on a medical bill loan, they are when the account is charged it changes the terms of the agreement. We went from having a {$2800.00}, and paying on that loan, to somehow getting an over the limit amount of {$4900.00}. While we have been paying on the loan we have never received any paper statement letting us know of the current status until XX/XX/2023 ( almost 4 years after the medical bill ). In that time they have added the calculated internet from the point of sale instead of the 0 % timeframe. What we have received is text messages that look to entice us into charging more to the card, sending promises of statement credits when large purchases are made, XXXX XXXX {$5000.00} or {$500.00} weekly winners. They are using gambling techniques to spend in order to gain more entries. We have never been sent statements about the changes to their interest rates. These practices should be seen as beyond legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A