Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm sending this complaint to inform SYNCB that the accounts reported are fraudulent and have an effect on my ability to establish credit. There is no involvement from a third party, they can not legally contact third parties with my private or sensitive information for any reason. The accounts below need to be removed as they are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 33326
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: 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: On XX/XX/2023, I placed an order for furniture on the XXXX XXXX XXXX website. The order # XXXX was assigned to the furniture I wanted, and the payment was successfully processed using my Synchrony PayPal MasterCard for the amount of {$2300.00} that day it was charged. On XX/XX/XXXX I contacted the seller via chat to inquire about shipping time and dates on their website XXXX XXXX XXXX and did a virtual chat with a representative stating that it would take 3 to 5 business days for tracking information. Note : I did screen shot that conversation to fax as requested to the dispute team for PayPal MasterCard. On XX/XX/XXXX, I initiated an open claim to do a chargeback with Synchrony PayPal MasterCard for the amount reasons for not receiving merchandise at that time I did not want to pay interest or pay for product not received yet. In response, PayPal promptly placed the balance on hold, relieving me of any obligation to make payments or incur fees for interest during this process. And to note I found out later in XXXX I was not aware that they put it in as a dispute instead of chargeback. On XX/XX/XXXX I have not received the tracking information from seller XXXX XXXX XXXX for the furniture I wanted and by this time PayPal MC has charged my credit card again for the amount which was a disappointment to me considering I have not received the furniture yet. So, I contacted Synchrony PayPal MasterCard to put in another chargeback until I received my furniture, and this turned into a dispute that PayPal MC representative put in for me And I was fine with that considering I had not received any tracking information or any email updates from this seller. I think at the beginning of XXXX, I contacted synchrony PayPal MasterCard again just to get updates on when I will get a refund for this because I have not received any information or updates from the seller. At this time PayPal MC wanted me to give the seller 40 days to send my furniture. The dispute team representative for synchrony PayPal said they got this off the website which I thought was strange that PayPal did not even contact the seller about tracking info with numbers or when I can receive product. To my dismay PayPal MC reinstated the funds to the merchant, which left me disappointed. However, I decided to exercise patience and wait for the full 40-days from the time of purchase timeframe as requested. By this time, I had to keep putting in disputes so I would not be charged an interest fee and a monthly payment until I receive merchandise. Again, I received my bill from synchrony PayPal MC asking me to pay a portion of the amount charged for the furniture that I have not received yet. I find this very disheartening to pay for something I have not received yet and have to pay a bill for. I did call PayPal MC to inform them that I will be putting in a dispute for the seller XXXX XXXX XXXX after the 40 days that PayPal MC requested me to wait for not providing tracking information and not delivering on their promise to send me merchandise that I am being charged for if they have not sent me tracking after the 40 days. On XX/XX/XXXX I initiated a chat conversation with XXXX XXXX XXXX to address the prolonged delay in my order. During the chat, I communicated to the representative that the order had surpassed the 40-day policy and requested a full refund due to seller not holding up there in after the 40 days, along with a full refund. To my surprise, the merchant informed me via chat that they had already canceled the order, and that they did not receive funds for PayPal MC Instead, they indicated that the funds were held by PayPal Mastercard, suggesting that I should contact PayPal directly to facilitate the process of obtaining a complete refund. Note : I did screen shot that conversation to fax as requested to the dispute team for PayPal MasterCard. On the same day XX/XX/XXXX I contacted PayPal MasterCard to inform them that the merchant stated that they did not have my money refund and funds were held by PayPal and that they were not going to send product because of the initial dispute that was put in on XX/XX/XXXX I informed them that I did not put in a dispute I only put in a charge back that was PayPal MasterCards dispute team addressing the situation and not correctly categorizing my discernment with pain with a chargeback instead they put it as a dispute instead and that was not my fault I was not intending on canceling my purchase at that time I was intending to let PayPal know that they shouldnt charge me for merchant that I have not received yet. In XXXX, By this time I had to keep putting in for disputes with PayPal dispute team to correct the situation and give me back my funds that they are holding from me. On XX/XX/XXXX I contact the seller XXXX XXXX XXXX support via chat that for the past three months, I have been engaged in ongoing correspondence with both XXXX XXXX XXXX 's support team via chat and PayPal MasterCard and during a conversation with XXXX XXXX XXXX support, it was revealed that the furniture was not shipped due to a dispute I raised with PayPal. I must clarify that I initiated the dispute after waiting for more than 40 days for the furniture to arrive, which I believe is an excessively long duration for such a purchase. I informed PayPal MasterCard of this because PayPal MC said seller shipped Merchandise to me but yet I dont have tracking or nor did I sign for anything of the sort and that I owe {$2300.00} And I inform PayPal that I did not receive nor signed my signature for that furniture. On XX/XX/XXXX, After I contacted the seller again XXXX XXXX XXXX by email and stated the same thing I reached out to PayPal MasterCard to let them know that the seller XXXX XXXX XXXX claimed they didn't have the money funds either from PayPal MC. The seller XXXX XXXX XXXX also said they wouldn't send the product due to an issue that started on XX/XX/XXXX with a dispute. I clarified to XXXX XXXX XXXX the seller that I didn't file a dispute but rather a chargeback during that time because PayPal had already billed me for this merchandise, and I did not have the merchandise in my possession. PayPal MasterCard 's dispute team mislabeled it as a dispute, which was not my intention because I put in for a chargeback during that time in XXXX. I just wanted to inform PayPal MC that they shouldnt charge me for a product I hadn't received yet and to put it as a chargeback. Now Im believing that this led to a chain reaction leading to no merchandise sent and PayPal still holding funds on both ends. In XXXX, I found myself in a situation where I had to initiate another dispute with PayPal MasterCard. This became necessary because I wasn't receiving any assistance from them, and my credit card still carried a balance of {$2300.00} with an impending payment due. Consequently, I had to file a dispute to avoid making that payment. Additionally, I wanted to communicate that the merchandise I had ordered had not been sent, and I was seeking a full refund. When I contacted PayPal, they informed me that the seller claimed to have sent the merchandise to me, which was not true. To date, I have not received anything, yet I am being billed for a product I do not possess. I requested PayPal MasterCard to provide me with tracking information, but they have yet to do so. They mentioned that they released funds in favor of the seller based on the assertion that I received the merchandise, which is untrue. Today is XX/XX/XXXX, and I'm still facing the same issue that started earlier this year. I have an update from the seller, XXXX XXXX XXXX. I reached out to them via email today to discuss resolving the situation since Synchrony PayPal MasterCard hasn't taken any action. In the email I left my name and number to contact me again about resolving this situation and in the process of writing this letter to CFPB, I received the sellers call. I did record audio of the conversation as evidence for PayPal MasterCard, showing that the seller didn't send the merchandise. The seller XXXX XXXX, owner of XXXX XXXX XXXX, informed me that PayPal hasn't released funds to him either. He apologized for the trouble I've been through, and From what I gathered on the conversation that we had he has other funds from buyers being held by PayPal because of this situation, Im guessing he wanted to reach out now considering this is causing him to not receive funds for the other sales being held due to this situation but I do wished and expressed to him that we could have resolved this sooner with only him having funds held up for just me not others that use PayPal as a form of credit. He mentioned that he wanted to resolve this through PayPal as well but they are giving him the run a round as well as myself And he mentioned that he wanted a restocking fee which I informed him that I did not cancel my order I just never received shipping information in PayPal and their neglect didnt relay information to him or myself about both parties I myself did reach out several times about shipping to them and I informed him I have not received any information on his side until now because of money held up for other purchases he wants to retrieve. I mentioned that the problem might have originated from PayPal categorizing it as a dispute instead of a chargeback, which set off a chain reaction that PayPal didn't rectify on either end. The seller has confirmed that he doesn't possess the funds he initially claimed, and I have yet to receive my full refund of {$2300.00} from PayPal MC. In my view, a fair resolution would involve me receiving my complete refund from PayPal MasterCard. Additionally, I believe PayPal MC should not charge credit card unless seller have tracking info with dates and maybe PayPal covers any fee for seller, as my intention was to acquire the merchandise. Unfortunately, circumstances have led me to purchase alternative furniture, rendering the items he has on hand unnecessary. I apologize for the length of this letter, and I tried to put the dates in as close as possible to when I remembered them and some of the record keeping I have saved to convey the ongoing nature of this issue. Managing everything has been quite challenging, especially given that it's been nearly six months of dealing with this situation. but I wanted to provide as much detail as possible. I hope that this information can assist in resolving the issue between myself and the seller, as well as our ongoing situation with the credit card company Synchrony PayPal MasterCard. I look forward to hearing from you soon and am hopeful that you can provide assistance in this matter. PS I tried to attach all the documents I could find to help me and I could not upload the audio due to audio file to large. Thank you, 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: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: 33614
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: During the past 5 months, since I had a credit card from XXXX, I keep getting the message that claims to be from XXXX XXXX and I reported to fraud division as well as FTC and XXXX XXXX for action to stop the SCAM or Phishing report, but this individual message keep coming in and traced from XXXX along with fake XXXX that stated my credit card was used and the information on this credit card was frozen due to unauthorized used. , XXXX, Your Amazn __Prime __Subscription has __Expired ....!! XXXX XXXX / XXXX XXXX XXXX To : XXXX XXXX, XX/XX/XXXX at XXXX XXXX Dear Naritthapanadilok, Your Membership has expired!!! Your Subscription for XXXX expired on XXXX XXXX XX/XX/2023 We tried to renew your subscription at the end of each billing cycle, but your monthly payment has failed. We therefore had to cancel your subscription. Obviously, we would love to see you again. If you wish to renew your subscription click on the link below. UPDATE MY PAYMENT DETAILS Subscription ID : # XXXX Product : Prime Expiration Date : XXXX XXXXXXXX XX/XX/2023 Renew Your Prime Membership To stop these please go here or write to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recent changes XXXX your XXXX XXXX XXXX / XXXX XXXX XXXX To : XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX Hello, We believe that an unauthorized party may have accessed your account. To protect your information, we took the following actions : -- Signed you out of risky active browser sessions -- Deregistered risky devices -- Reversed any modifications made by the unauthorized party -- Canceled any pending orders -- XXXX the password to your account. You can no longer use the same password for your account. Please call Customer Service and ask to be transferred to the Account Change department to regain access to your account. Customers within the US : XXXX Customers within XXXX : XXXX International customers : XXXX In the meantime, follow these instructions to make your account more secure after you regain access : -- Do not use the same password that you use on other sites, including the one used with your email provider. -- Actively monitor all your accounts, including your email. Check if there were any unauthorized changes, such as auto-forwarding or deletion rules in your email settings. -- Review your recent order history and archived orders, and report any unauthorized orders placed to your account. Review this by going to " Your Account '' and go into " Archived orders. '' -- Remove any unauthorized device registered to your account by clicking " Your Account, '' then " Digital Services and Device Support, '' and then " Manage Content & Devices. '' -- Register a mobile phone number to receive notifications through a secure source by clicking " Your Account, '' then " Login & security, '' and then " Add '' next to " Primary mobile number. '' If you have already added a mobile phone number, you may see an option to verify the number. -- Enable Amazon 's 2-step verification to add an extra layer of security to your account by clicking " Your Account, '' and going into " Login & security. '' -- Download the Amazon mobile shopping app and turn on push notifications to your account to ensure you are notified about any order or account updates on multiple channels. To learn more about how this may have happened and what else you can do to secure your account, go to " Security and Privacy '' : https : XXXX? XXXX Account Specialist Amazon.com https : //www.amazon.com 2023 Amazon.com, Inc. or its affiliates . Amazon and all related marks are trademarks of Amazon.com , Inc. or its affiliates, Amazon.com XXXX XXXX XXXX XXXX, XXXX, WA XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: At one point I signed up for PayPal Credit, but never used it. I cancelled this service, but later found it had been hacked resulting in fraudulent charges which went unpaid. Apparently my cancelling the credit account was never completed and there continued to be fraudulent charges made. I only figured this out when I noticed my credit score was plummeting. The whole problem with the PayPal Credit account has been resolved, however my credit score has not recovered. This bothers me immensely due to the fact I am always current on the few bills I have and my credit score has been between XXXX - XXXX or so. My question is, can I get the PayPal problem expunged and restore my credit score? Thanks for your help, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have closed my account and they have canceled my access to my information via the web. I have tried to get a record of XXXX and XXXX transactions - all monies in and out to properly account for on my tax returns. They keep responding via email to log on to get information, but MY LOG IS CLOSED and not working. I have emailed them ( they do not take phone calls ) and they only respond with auto reply that does not provide information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Since XX/XX/2022, I have encountered persistent issues with the Auto-Pay mechanism failing to successfully process payments to Synchrony. Despite Synchrony 's claim that the discrepancies stem from erroneous banking information linked to the Auto-Pay system, I have consistently utilized the same banking details to manually remit payments without any complications. I would like to underscore that I have been a loyal customer of Synchrony for over eight years, maintaining a specific account without any record of late payments. It is both disconcerting and perplexing to witness the imposition of fees totaling {$300.00} and the arbitrary reduction of my credit limit in light of these Auto-Pay issues. The latter action has precipitated a detrimental effect on my credit score, which is particularly disheartening given my longstanding and unblemished history of timely payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to complain about the closure of my Lowe 's credit card on XXXX XX/XX/2023. I received a notification from XXXX XXXX and XXXX that my Lowes credit card was closed. When I logged into my online account my credit limit had been reduced from {$4000.00} to {$1400.00} and then closed. I was not provided with any notice or explanation for this reduction. Lowes is in violation of 12 CFR Part 1002.9 ( Regulation B ), Content of notification when adverse action is taken. A notification given to an applicant when adverse action is taken shall be in writing and shall contain a statement of the action taken; the name and address of the creditor ; a statement of the provisions of section 701 ( a ) of the Act ; the name and address of the Federal agency that administers compliance with respect to the creditor ; and either : ( i ) A statement of specific reasons for the action taken; or ( ii ) A disclosure of the applicant 's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure shall include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. If the creditor chooses to provide the reasons orally, the creditor shall also disclose the applicant 's right to have them confirmed in writing within 30 days of receiving the applicant 's written request for confirmation. I am very disappointed with the way that Lowe 's has handled this situation. I have been a loyal customer and I have made my payments on time. I am concerned that this reduction in my credit limit will have a negative impact on my credit score. I am also concerned that it will make it difficult for me to make purchases at Lowe 's in the future. I am requesting that Lowe 's immediately restore my credit limit to its original amount and reopen account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone tried to open an XXXX card in my name. It was not me and now the inquiry is on my credit and is damaging to my credit. Please help me by removing this fraudulent inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent SYNCB/XXXX XXXXXXXX CARD notice to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed SYNCB/XXXX XXXX CARD that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with SYNCB/XXXX XXXXXXXX CARD . Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A