Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: collection account reporting on my credit but i don't own any money to this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Synchrony Bank/PayPal : During XXXX XXXX I filed a dispute with synchrony Bank on purchases that i made not on my account. I never heard from them again. I continued to make on time payments and on XX/XX/XXXX my current balance was {$100.00} which I paid and did not want the account any longer. Now i received an account summary stating that i owe {$350.00} after I paid the account on XX/XX/XXXX and made no other purchases. ( see document 4 ( I then seen other purchases on my account that I did not make. I called them and they stated that I made two additional purchases during the end of XX/XX/XXXX. I was then transferred to the dispute dept in which no one ever answered the phone for over an hour on 3 separate occasions. I was sent an email dated XXXX XXXX XXXX stating that they have noticed unusual activity on my account and need to speak with me.case ID XXXX ( see document 3 ) I called and spoke to a young lady and she refused to take the ID number and again I was left on the phone for a very long time in which no one ever answered. PayPal website site has a lot of scammers scamming their clients and making purchase on clients behalf. I can't even get an invoice they stated that I could not get an invoice due scammers. ( see document 1 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank will still not update the credit reports. I am doing a transfer and the new lender can't get the correct info off the website for XXXX or other as they won't update paid off accounts,. Care Credit, Car Credit and Paypal online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit report I unfroze it for XXXX hours in XX/XX/XXXX. My identity was stolen in the XXXX XXXX breach and ever since then fraudulent charges using my identity show up on my credit report. I SHOULD have perfect credit but others have had access and its destroyed. addresses not mine are showing up on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} not mine. Also I noticed that there was something out of XXXX XXXX that I didnt do. My identity is stolen and even with it frozen still getting hacked into. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Today XXXX XXXX XXXX I attempted to purchase gas with my Conoco card and was told that the purchase was denied. When I arrived and called customer service, I was told that my account was closed. There was no notice of this closure. There is no reason for this closure. Living in XXXX XXXX as a XXXX citizen the closure of my card creates difficulties. My account has never been late in payments and in fact, I have had a XXXX payment due for my account for sometime. I do n't drive much and pay of the total balance each time a purchase is made, In fact, often before the payment due date. The customer service representative said that a letter would arrive and was sent on the XXXX of this month -- did he mean XXXX Because today is the second. To date, no letter was received. The representative said that the reason was based on too many credit cards : I have less than average and none of these have been late in payments. There was not justification to close my account and as far as I can assess the action was discriminatory. And i believe that if a review of this company 's closure of accounts is made, I feel sure that there are many others who have received account closures with out justification. it may be evident that their is a higher percentage of closure with out justification for women and also people that are XXXX XXXX in ethnicity. An investigation will be able to assess this. Nevertheless, my account should not have been closed..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I had a XXXX consultation with the XXXX XXXX XXXX XXXX to learn the cost to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Office Manager ordered x-rays and during the consultation, the Dentist, XXXX XXXX, joined us they began to try to sell me for a special one-day XXXX XXXX that extracts and replaces teeth on the same day, I advised I was not a candidate because I was diagnosed with XXXX XXXX XXXX and I had only made the appointment to learn the cost of regular dental procedure, because I am XXXX and living on a fixed income. The Dentist left the room when she realized I was not interested in the same day procedure, and the Office Manager advised that since I was concerned about cost, she could contact CareCredit Card to increase my line of credit and I wouldnt pay interest for five-years. It sounded like a great idea, and the Office gave me a form to sign giving her permission to increase my credit line and before I signed made it clear if I was approved, I had XXXX caveat : that I must be informed of the amount of the increase in credit, before the amount is transfer to my credit card, and the Office Manager agreed. XXXX. At that moment, the Office Manager received a call, and said she had to leave immediately due to a family emergency, and she quickly scheduled a return visit to measure my mouth for the bridge. Before she rushed out the door, I asked her for a copy of the document I signed to increase my line of credit and she said Reception would print the document for me However, when I stopped at the reception desk, I was advised that the document was not in the system, and I was only provided with credit card receipt for {$180.00} that was not itemized and I didnt know what the charge was for. I also received a copy of projected cost for the proposed dental procedure, and the print was too small ready. I left feeling as if I was given the run-around. XXXX XXXX XXXX XXXX XXXX AND CARECREDIT CARDS PROVEN DECEPTIVE PRACTICES On my way home, I was having second thoughts about my visit because everything seemed rushed and I didnt understand the treatment plan, what disturbed me most was that I did not receive a copy of the document I signed to increase my CareCredit line of credit. Even worse, when I checked my credit card balance on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX XXXX charged my credit card in the amount of {$2800.00} on the same day as my XX/XX/XXXX visit, without my knowledge. Most troubling was realizing that I had been scammed. As an investigative researcher by education and profession, I conducted research on XXXX XXXX XXXX XXXX XXXX and found many of their former patients had filed complaints on the XXXX XXXX XXXX website reporting how they had been about being charged for services never received by the XXXX XXXX XXXX XXXX ; I also learned that they dentist office is not accredited by the XXXX. Most revealing was a news article reporting that a court case, # XXXX, that seem to be still active, was filed against the dental office with a caption stating, Patient Alleges XXXX XXXX XXXX XXXX Billed For Services It Never Performed. On XX/XX/XXXX, I filed a billing dispute against the XXXX XXXX XXXX XXXX and when I called CareCredit XXXX months later on XX/XX/XXXX for a status of my dispute, I was informed that my case was clothes because the XXXX XXXX XXXXXXXX XXXX had advised that they had completed all dental services. Under protest I responded that I had photo copy evidence and I was provided with a telephone number to send a copy of the photo XXXX XXXX. When I called a week later, I was advised the photo I sent was not in my record and I filed a new complaint on the same day ( XX/XX/XXXX ). On XX/XX/XXXX, I received a letter from CareCredit Customer that included a letter from the XXXX XXXX XXXX XXXX without a date, that contained numerous deceptive misrepresentations of material facts as follows : XXXX XXXX came in on XXXX XX/XX/XXXX to have her front teeth extracted and replaced on the same day. XXXX XXXX made an appointment for XXXX XX/XX/XXXX with the surgeon for extraction of her teeth ( mostly in front ; She then called XXXX XXXX XX/XX/XXXX to cancel. We sent her a text on XXXX explain the flippers were already at the office in preparation for her XXXX the next day ( XXXX/XXXX/XXXX ). The Photo will show proof of fabrication and we also informed the patient that immediate appliances are customized to her mouth. ) My Response I visited the XXXX XXXX XXXX XXXX on XX/XX/XXXX for a consultation and I did not agree to oral dentistry that extracts and replaces teeth on the same day, because I have XXXX XXXX XXXX and on XX/XX/XXXX, was advised they could not provide dental services to me because patients with XXXX XXXX XXXX experience significant blood loss that causes a loss of consciousness and a XXXX or XXXX XXXX. I was given a Medical Clearance for XXXX XXXX XXXX with advice to see my primary physician for XXXX XXXX XXXX treatment and when my XXXX XXXX normalized to have my Primary Physician to ign the form and return to XXXX XXXX, to complete dental services. I was still taking XXXX XXXX meds when I visit the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and it was highly unlikely I would have agreed to such procedure to extract and place teeth on the same day, because I was still taking XXXX XXXX XXXX medication. In review, the XXXX XXXX XXXX XXXX fraudulently inducement me to sign a document to increase my credit line with the understanding that I would be notified before of the amount of the line of credit and no changes would be made to my credit card without my approval, and their fraudulent actions caused me a considerable amount of emotional distress, because I was diagnosed with XXXX XXXX condition in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 2 accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and synchrony bank and I spoke with them about payment extensions when I was in the XXXXXXXX XXXX XXXX. I was able to get the extensions but they have reported missed payments to the credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Without my permission, or without a permissible purpose by law, the companies listed in the attachment are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed in the attached document for review or collection. Im requesting that all inquiries be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : SYNCB/CARE CREDIT XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A