Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My bankruptcy was filed electronically on XXXXXXXX XXXX XXXX. I was contacted today regarding a Sams Club account for XXXX in the amount of {$5700.00}. I still have all my bankruptcy paperwork and told them that this account was on there however, my dates say XXXX and XXXX. First they said that it was because I filed bankruptcy for a personal account and the this is a business account so when I researched my bankruptcy account it had two accounts on there. I assume that was my personal and my business account. Their claim was that the amount was for XXXXXXXX to XXXX My statement was that credit card issuer always issues you a new account number when cards expire I doubt that Sams Club would have given me two more account numbers if I was not paying on the other two, I told them this and that I dont think I owe the money. They started at resolving the amount due to be {$2300.00} and for me to pay {$100.00} per month As time progresses throughout this phone call they and receiving copies of my bankruptcy paperwork then they resolved it to 10 % of the actual amount. Now they want add {$570.00} in three payments of {$190.00} each. I made the first payment. Then I researched and found out that this payment is over 20 years old or close, and a debt collector could not collect on this or sue me. I am retired I am XXXX XXXX XXXX. I am on Social Security. 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 Regardless, I filed bankruptcy. These accounts were included, and I do not owe this debt. I am trying to cancel this payment as I honestly believe I do not owe it. Below is the email requesting that I sign the contract for {$570.00} which I have not done and will not do. XXXX XXXX XXXX Name : Original Creditor : BANK Our Account # : Original Account # : Total Balance : {$5700.00} Dear Mr.Mrs. In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$570.00}. The settlement is to be paid in 3 payments first payment is {$190.00} on XX/XX/XXXXXXXX for two payments you will call us once a month. You can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. We do not charge any payment processing fees and all Settlements are updated as Paid in Full. Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX PH # XXXXXXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than XXXX years old. This hasn't been followed in my case. Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private. Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Synchrony Bank TJ Max Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX, I had a live chat conversation with agent on my PayPal account asking him ( XXXX ) if I make extra payment to my PayPal will it be allocated to the special financial purchases that are coming due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX advised to make the payment in the amount of {$1900.00} and he will have the payments applied to the account according to my request. So made the payments while he was on the live chat with me. The problem is instead of applying the payments per my request ( Synchrony Bank ) PayPal which would have paid off amount due for those months. Instead payments when to XX/XX/XXXX and special finances purchases that would have come due in year XXXX and XXXX. Kindly keep in mind that I had already made the minimum payment of {$220.00} on XX/XX/XXXX towards the XX/XX/XXXX due date. From since XX/XX/XXXX I have contacted Synchrony Bank via telephone, messages online, and live chat to get this done. Now they are charging me accrued interest for XXXX in the amount {$64.00}. I just received a billing statement for {$1600.00} due for XX/XX/XXXX ( special finances purchases ) if I do not pay the full amount I will be held responsible for accrued interest total {$170.00}. for the month of XXXX. I have already paid off these payments. I have tried to get this clear up and all I am getting is run around I fell like I am fighting a phantom.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/11 someone used my information to try and obtain a credit card from Sams club. I reached out to Sams and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an overpayment on my credit card on XX/XX/XXXX. Amount was supposed to be {$5.00} but was {$5300.00}. Not sure if it was my error or my banks or the credit card company. The next day I called Synchrony ( Verizon branded card ) and asked them to reverse the payment. They refused and said the only way they could do it was to mail me a check in 7-14 days. On XX/XX/XXXX I called them again and they had done nothing but again said they would mail a check. It is XX/XX/XXXX and nothing shows up online yet. Aside from the fact that it is more than 3 weeks that they are keeping my $ and who knows how much longer, it is not even logical that they cant reverse the payment digitally- the way they received it. They should not be allowed to keep my money that long and should be required to return money in the manner they received it. I would be happy to provide more info if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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 purchased clothes from a store called XXXX on XX/XX/XXXX. The order showed delivered but I never received it. The merchant did not have a signature required delivery and the package was never delivered to my home. After an unsuccessful attempt to resolve the issue with the merchant, I filed a non receipt dispute with PayPal/Synchrony Bank in XX/XX/XXXX for {$310.00}, the total of my missing order. Sychrony bank ended up siding with the merchant because they said the package was delivered, though it was not received by me and part of the address on the shipment was incorrect. I have been going back and forth with the bank as I believe they are in violation of reg Z as I am now out of the product and the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-09-28
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: Application denied
Consumer Complaint: I applied for a Paypal Credit Account through Synchrony Bank on XX/XX/2023. On XX/XX/2023 I received a denial letter stating " We regret that we are unable to approve your request at this time for the following reasons : No open real estate secured loans in your credit file ... '' Is this legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47203
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an account with XXXX XXXX XXXX in XXXX. I used this credit line again in XX/XX/XXXX to purchase more bed and bedding with 0 % financing. The store handled the entire application authorization process over the phone in the store. They snuck a monthly fee labeled pymt card security back onto my account which I previously declined on this credit line. They charge me every month {$58.00} for this service. They then add 29.99 % to this fee every month. To date they have fraudulently charged me {$500.00} ( XXXX ) and {$550.00} ( XXXX ) in fees ; {$110.00} ( XXXX ) and {$25.00} ( XXXX )! I have this account set to autopay and because I have previously declined these extra security services I never anticipated they snuck these charges back onto my account. I want these all removed from XXXX and XXXX. The fees are more than the bedding cost! This is a sneaky deceptive practice ; they claim I selected the service but I did not the store selected the service when they processed the purchase without properly explaining and I explicitly declined these sneaky charges previously between XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A