Date Received: 2023-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from PayPal to XXXX and XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX after an XXXX XXXX XXXX that occurred on me, when I was XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my XX/XX/XXXXXXXX account my PayPal account, my XXXX, everything I had was gone in one day. The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I dont think I worked for three years. I lost everything its in the hands of XXXX because Im trying to change my Social Security number. Its that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again and again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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: Dates : XX/XX/22 Amount : {$5000.00} Actions that were taken by you or the company : Sent me a letter stating they would open a claim but months later nothing has been accomplished.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with customer service
Subissue:
Consumer Complaint: Synchrony Bank located in XXXX and XXXX show an outstanding credit balance of {$540.00} according to their records on XX/XX/XXXX. They reported that they had sent a check I have written back to them several times letting them know I never received a check XXXX. The bank closed my account on XX/XX/XXXX without my consent or resolution. I have tried in writing and staying on the phone to connect with them but to avail. Now I have a bill dated XX/XX/XXXX saying I owe the money. Ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony bank closed my account without notice and without a legitimate reason and forced a forfeiture on the rewards I accumulated over the years. I had a 100 % payment history and acted in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/XXXX I purchased an XXXX XXXX through XXXX. To pay for the product I signed up for PayPal credit with 6 months of interest free. I saw the seller had created a tracking number with XXXX but XXXX never received the item. I have this proof through XXXX so I can clearly prove the item was never even shipped. I had a bad feeling about this purchase after I made it so I immediately contacted the seller and got no response. I then filed a dispute with PayPal/synchrony bank XXXX They opened the dispute and several days later I contacted them for an update. They were very dismissive on the phone but I eventually found out they ruled in the sellers favor. I asked them could I send proof that I never received the item. They said yes and reopened the dispute. They had no way for me to send these documents other than a website that allowed me to send an online fax. I asked if I could email them or mail them but they said the only way was through this online fax portal which they directed me through. I did this and they told me they received the items. They would be in touch in ten days. No contact. I called them back and they said they mailed a letter out I had to sing and return. Again no option for email. This went on several times I had six or seven letter mailed out none of which were about the dispute. They were all forms for which I was supposed to return to reinstate my PayPal credit account. I called maybe ten or twenty times to see what elses I could do. Every time they told me I needed to return this letter because I had filled it out wrong. They couldnt tell me which part was incorrect, they couldnt put me through to any higher management, there was literally nothing more I could do. Finally I contacted them one last time. Today XX/XX/XXXX and they took me through he same procedure. No notes in the account no records, no help, no further instruction. You must return the letter. On one occasion they pulled the wrong account up for me and told me I dont have PayPal credit. It was an account for XXXX XXXX XXXX and not myself. I do not feel comfortable with this company holding any of my information. It is a legal issue in regards to personal information sharing. But thats that the icing on the cake. I still owe the XXXX and some change even though I never received the product. At the end of the last phone call the supervisor basically told me nothing could be done and they ruled in the sellers favor. They never reviewed my case. It clearly shows I never received the item. They would not escalate it to higher management. After 10 or 20 calls they basically told me there was nothing I could do at all. I ended the call and will pursue legal action. They are committing fraud, theft, negligence to their customers, lack of responsibility with their customers personal Information, poor customer service, causing unneeded stress to people looking for a service, lack of care and empathy, and ultimately not operating within the guidelines of a financial institution. They should not be allowed to operate in XXXX. My first payment due date is XX/XX/XXXX after which my credit score will be effected. I have worked extremely hard since arriving in the USA in XXXX to build my credit score into the high XXXX this will bring it down. I will not stand for this and it is an urgent matter to get this resolved. I would greatly appreciate any help that can be provided. I feel like I have been backed into a corner and there is no way out no way to get my money refunded for an item I didnt receive and worst of all am just waiting for my credit score to plummet. Thank you for your help, time and coooeration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30277
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: During 2021 I was out of work due to Convid 19. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My XXXX also turn me over to collection.
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: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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 have carefully reviewed my credit report in the 3 major credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30143
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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: for three weeks I had been assured problems were solved. Three times I was told that it would be done in 24 hours. It was not. I had over 20 calls with customer care and the management of the store. I wasted hours, getting disconnected several times when I asked for a supervisor. 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: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquiries were made without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Re : Synchrony Bank Dear Sirs : My name is XXXX XXXX. I have been XXXX for several years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I was released it was impossible for me to visit a bank branch to conduct business. In other words pay my bills. A friend told me that Synchrony Band would allow wire transfers online. I then opened a Synchrony Bank account. This was done in XX/XX/2023. I deposited {$100.00}. Shortly thereafter I transferred {$10.00} into a second Synchrony account. In XX/XX/2023, I made XXXX more deposits into my Synchrony Bank account by ACH transfer from my XXXX XXXX Bank Account in the amounts of {$5000.00}, {$10000.00} and {$15000.00}. The balance was approximately {$30000.00}. The purpose was to utilize the online wire service offered by Synchrony Bank. My first attempt failed because of Synchronys policy of a telephone confirmation by the receiving Bank. The second attempt was foiled by a Synchrony Bank mistake. I made a complaint to Synchrony Bank. I then made a third attempt at a wire transfer on XX/XX/2023. I was told this would take 1-2 business days. On Monday XX/XX/2023. I was advised my account was locked. They said my account was under review. They further advised this process would take 2-3 more days. 2 days later I called again. Now it was said 3-5 days to complete. I called again in 3 days only to be told it would take 60 days. All this time I was denied access to my funds. I have been provided no explanation for this action. It was further implied that the 60 day time frame could be extended at Synchrony Banks sole discretion. This is a clear abuse of discretion. It is inconceivable that it would take 60 days to review XXXX deposits and one transfer into another Synchrony account. This actually can only be seen retaliation for my complaint against the Bank for making a mistake. The Bank stated their review was for my protection, instead it has caused me financial distress. This unwarranted action can not go without investigation and exposure. Please publish my complaint. Very truly yours XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A