Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On Thursday, XX/XX/XXXX, I noticed a hard inquiry in my XXXX. I called XXXX and explain to them that I did not do any transactions at XXXX. They made a note on their end and asked me to call XXXX. I spoke to the XXXX. Customer service rep and he denied the application after I explain to him that it was fraud, they will send me a letter and also send a letter to XXXX. On the same day I had fraud done on my XXXX XXXX credit card, and my XXXX XXXX credit card. They both were done in Pennsylvania. I also called my credit card companies and made them aware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to the Mattress Firm in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via credit karma that a hard inquiry was ran against my account for a loan for this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran by SYNCB on XX/XX/2022 and I did not authorize this inquiry. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Description of complaint : XX/XX/XXXX - used and paid card XX/XX/XXXX - card declined and found out it was closed with no notice I have always payed my synchrony XXXX XXXX on time for years, and never had any issues or delinquencies. I reorganized my bank accounts to better suit my finances and that caused XXXX nsf. Which I immediately rectified with a manual payment. I also called about updating my autopay and recieves NO help. Also NOWHERE on the lowes credit center on their app or the mobile synchrony XXXX site does it allow you to change autopay information. Due to this the autopay series continued and caused an additional nsf payment to that same account. Which I also immediately went and paid. They then without any warning, heads up of policy, offer to help update my autopay series or anything just closed my account. It is my most used account and critical to my work. Nobody has even been willing to listen or help. I cant imaging this is how you should treat a great long time reliable customer. There are many less dramatic actions to take first, and much more customer service that should be provided. I just want my lowes card and its a shame this is whats happened .... Desired settlement : Reopening of my XXXX card account and assistance updating autopay info to new account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I paid off synchrony financial and my credit score went down I didn't have they funds at the time but paid off the debt XX/XX/20XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX and XX/XX/2023, I mailed Synchrony Bank a Billing Error Dispute Affidavit and they did not respond. I informed them also via phone, but I got no response in writing. So on XX/XX/XXXX, I uploaded a notarized version here with the CFPB to get their attention because they were refusing to honor my requests for Documentary Evidence as provided by the law 15 U.S. Code 44 - Definitions Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. They gave a flimsy answer here around XX/XX/XXXX to CFPB BUT STILL REFUSE to contact me directly to address the real concerns. The affidavit said rebut item for item if you dispute the laws Im standing on because I believe and still believe I was being billed in error for a debt that I did Not owe to Synchrony. Even so, they never stopped their debt collection and demanded payment. I told them on their own recorded lines several times that we are in a billing error dispute and they were to cease collection because I did NOT have to pay until we resolved it by Synchrony providing the Documentary evidence, notifying the credit bureaus of the Dispute ( which they never did ), placing Dispute label on my account ( which they never did ) and responding to my affidavit of truth regarding my billing error dispute ( which is again Re attached ). I made the payment in full but sent another copy of the billing error dispute to them along with payment in full. The payment and billing error dispute were then mailed via USPS certified mail with signature required to the attention of the CEO. They received it on XX/XX/XXXX and it was signed for on that day, but they then pretended until XX/XX/XXXX that they could not find it. Around XXXX XXXX they posted the lawful payment for XX/XX/XXXX and closed my account. This was clearly an act of Aversion as the law prohibits during a billing error dispute. They said the reason was for payment delinquency. This account was never lateI placed them in a billing error dispute according to the law and lawfully withheld my payments. According to the law which states : 12 CFR 1026.13 - Billing error resolution ( Regulation Z ) ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ) It prohibits acts of aversion : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. Synchrony bank violated all of my lawful rights under the billing error dispute and Im not sure if its because they didnt value me as a XXXX XXXX or a person with a XXXX but Im attaching the recording of their own managers agreeing that the account should not have been closed because they saw the dispute on my account finally in late XXXX. Im incurring damage daily as I needed my card for XXXX expenses. I was told in late XXXX the account would be restored within three days. But its XX/XX/XXXX and its still closed and XXXX XXXX who did the previous flimsy lazy response hasnt contacted me nor has XXXX XXXX in the billing inquiries department responded after numerous messages I left for her. I have recorded my number messages for proof and my conversations with Synchriny because they always say it will be recorded so I always say that I agree to the recording of the call and so I record too. Ive attached only two but all of them are available to them or to the CFPB. I want my account reopened with my same {$3800.00} credit limit with {$3800.00} available to me immediately. Correction, the audio files exceed the limit allowed by the CFPB. I can mail on a flash drive if desired. I made copies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights. Under Act 15 U.S.C. 1681 section 602 states I have a right to Privacy, 15 U.S.C. 1681 section 604 A, section 2 it also states, A consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: PayPal pay in four offered a no impact to credit score application. I completed it and my credit was run without my permission. This is also unfair due to the no impact to score language. I called synchrony bank and PayPal and they both denied the credit pull yet its on my credit report. I was told I had an older PayPal smart connect account which is also not true. This all concerns me. I need the hard pull removed and they cant even find the application. One rep thinks its a PayPal credit application. I even received a letter in the mail and they still deny it,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A