Date Received: 2023-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The following accounts have violated my consumer rights XXXX XXXX XXXX XXXX : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ). Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ). Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ). Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXX action requested, including deletion of derogatory info. Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. Prompt attention and resolution expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: I ordered an item on swappa on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with XXXX party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why XXXX XXXX received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had very clear fraudulent activity on my account in XXXX and XXXX of XXXX. Synchrony bank never identified the fraud and it continued for 30 days. My account was set up for automatic payment and the money was withdrawn from my checking account paying for the fraudulent charges. I called to report the fraud when I saw the large withdrawal. A fraud claim was opened. I contacted synchrony multiple time over the next several months. I never heard from them proactively. The only information I got was fraud communication was via email and I would have to wait sixty business days. I still never heard from them but eventually they found the claim in my favor at the end of XXXX which I only knew about because I called weekly to find the status. I now have a credit balance of thousands of dollars on my account that they will not release. I have been asked for dcoumentation that the payment in XXXX was made. It was an electronic payment so obviously they have that. Regardless I sent that via the companys portal. They claim they dont have it. Now I am faxing the documentation. I have been without this large sum of money for far too long and every step of the way Synchrony has been negilgent in fulfilling their duties. I need help in getting this money returned to me.I also want a complaint filed against Synchrony for negligence as I feel the fraud should have been identified way earlier than it was and this claim should have been resolved long ago. It is not XXXX and I have not received one communication from Synchrony regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17225
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX & XXXX changed banks in XXXX. I was issued a new card under Synchrony Bank. I never received the card nor statement. I received an email that a payment is due from a non-reply email. I called Synchrony and reached their automated service. I asked for my account number it sent me a link to do a live chat. I used the link, but there was no icon for a live chat. Researching I found on their web site that the icon is only available once you logged in. I can't register to create a login without the account number. I called back to speak with a live person. The auto system does everything it can to not allow you to speak to a person. After hitting XXXX a bunch of times it finally asked to press XXXX to speak to a live agent. XXXX picked up the call asked for my full name. I explained that I never received the card or statement and that I need the account number to register. She placed me on hold. I think she was new, she kept asking my " Did you receive the card? '' by the XXXX time I asked what she didn't understand about myself not receiving the card nor statement. She came back verified my address and then said I can't give you your account number. I asked how am I suppose to register and pay the account without this information? Her reply " The good news is we have the correct address. I can not give you your account number. '' I then asked well how am I suppose to get it? " From your card and statement. '' I hung up. I have an account I would like to pay and not ruin my credit, but I have a bank that will not provide me with a key part, my account number. The irony is you are asking for the card number to help find me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Today, XX/XX/XXXX, I called Synchrony Care Credit requesting financial assistance. The representative asked a few questions, and I answered honestly based on my situation as of today. I explained that I'm a XXXX and my last assignment ended XX/XX/XXXX, and before that, I worked part-time during XXXX. I explained that I'm currently receiving unemployment, but I'm about to exhaust my savings, and my unemployment will end in XXXX or XXXX. I also explained that the job market has not been great, and this has been the longest I've been out of work since XXXX, but the XXXX quarter job market is steadily increasing, and I have a XXXX job interview on Thursday that is promising, but it is not a guarantee. In XXXX or XXXX of this year, I contacted CareCredit to see if I could get an extension to pay off my promotional balance of {$4400.00} of a credit limit of {$5700.00} before the promotion expires on XX/XX/XXXX that will add the deferred interest charge of {$1300.00}. I was given a XXXX grace period to pay by XX/XX/XXXX, but I did not want to exhaust my savings while still unemployed. On XX/XX/2023, the total deferred added to my account was {$1500.00}, which included the 26.99 % rate to the outstanding balance. Since XXXX, I've made a total amount of payments of {$770.00}, and as of today, my current outstanding balance is {$6000.00}. The customer rep and her XXXX said I would not qualify for their financial hardship program since I would not have a job when my unemployment ends. It does not matter that I've managed to pay them {$150.00} - {$250.00}. They would rather me continue to pay this full amount or default, go into collections instead of assisting. Both stated there's a screening process and other variables involved outside of just being unemployed. I did not meet the pre-screening process of not having a job in XXXX, even though I'm currently receiving unemployment and trying to protect my creditworthiness proactively. They were unwilling to send information regarding their financial hardship program. They said when I default on my bill, I will receive a notification stating my pre-qualification for financial assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Identity has been compromised and used to open several fraudulent accounts without my knowledge or consent. I was incarcerated when these accounts were open. These accounts have been placed on all three major credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: When applying for Care Credit, XXXX, and others They send me a copy of the data and it says my score is in the XXXX 's. My XXXX XXXX says for XXXX I have a score of XXXX and of XXXX XXXX. XXXX also says I have a XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX a hard inquiry was pulled from my credit file without my knowledge. I wrote the consumer asking for this to be removed a month ago but have not gotten a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX a hard inquiry was pulled from my credit file without my knowledge. I wrote the consumer asking for this to be removed a month ago but have not gotten a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: We received a collection notice from XXXX credit management for a debt turned over to them from synchrony bank. Th original company was paypal. The debt was made XXXX and turned over to midland on XX/XX/20 This is not our account and the address which all this information was sent to is not us as it is in another state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53916
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A