Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to complain about a debt collection company that is harassing me for a debt that I do not owe. The debt collector was informed that the debt is fraudulent. After their findings they canceled/deleted the debt and removed it from my credit report. ging. However, they turned around and opened a new account with a new account number without my permission and charging me for it by sending a monthly bill. Please note the account numbers. Thats fraud. I sent them a XXXX and XXXX and an Affidavit of truth via certified mail to stop all communications. Please see attachments of the XXXX emails and mail that they still continue to send. I believe that the debt collector 's actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from harassing or threatening consumers. The Consumer Financial Protection Bureau ( CFPB ) has the authority to impose a civil penalty of up to {$1000.00} for each violation of the Fair Credit Reporting Act ( FCRA ). This includes violations of the harassment provision of the FCRA, which prohibits creditors and debt collectors from engaging in any conduct that would cause a consumer to feel harassed, abused, or intimidated. If a creditor or debt collector has violated the harassment provision of the FCRA, the consumer may file a complaint with the CFPB. The CFPB will investigate the complaint and, if it finds that the creditor or debt collector violated the FCRA, it may impose a civil penalty. The CFPB has imposed civil penalties on creditors and debt collectors for a variety of harassment violations, including : Repeatedly contacting a consumer at work or at their home, even after the consumer has asked them to stop Using threatening or abusive language Making false or misleading statements about the consumer 's debt Threatening to take legal action against the consumer if they do not pay the debt, even if the creditor or debt collector does not have the legal right to do so If you have been contacted by a creditor or debt collector who has harassed you, you should contact the CFPB to file a complaint. You may also want to consider consulting with an attorney to discuss your legal options. In addition to the civil penalty, the CFPB may also order the creditor or debt collector to pay you compensation for the harm that they have caused. This can include compensation for emotional distress, lost wages, and other financial losses. If you have been a victim of a harassment violation, you should contact the CFPB to file a complaint and to learn more about your legal options. Here are some tips for dealing with a creditor or debt collector who is harassing you : Keep a record of all communication with the creditor or debt collector. This includes recording phone calls, saving emails, and keeping copies of letters. Be polite and firm when you ask the creditor or debt collector to stop contacting you. If the creditor or debt collector continues to contact you, you can send them a cease and desist letter. The cease and desist letter should state that you are requesting that the creditor or debt collector stop contacting you and that you will take legal action if they do not comply. If the creditor or debt collector continues to contact you after you send them a cease and desist letter, you can file a complaint with the CFPB. You may also want to consider consulting with an attorney to discuss your legal options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I havent been able to link my bank account with PayPal Credit ( synchrony bank ) for two years. The only way Ive been able to make payments is by calling customer service or transferring money to another bank, resulting in late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
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 with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Originally the credit card was declined on XX/XX/XXXX. I called and they said they needed to send me new cards. I never received new cards. I called XX/XX/XXXX to report this. They said they were sending me papers to verify my identity. Never received. I called XX/XX/XXXX and told them to cancel my card. They said they will cancel. I then get a letter in the mail asking if I changed my address. I called and was told the account was closed. XX/XX/XXXX my checking account was charged {$7500.00} from this credit card. I called and was told I have to send a copy of my drivers license and copies of utility bills. I overnighted them that day. I called today XX/XX/XXXX and was told it would take 1 months to investigate. In the meantime I am out {$7500.00}. When we used this card we never charged more than {$750.00}. Wouldnt you think they would have called it suspicious if we charged that much? Synchrony Bank is not helpful. If someone wants to change their address they should require them to produce the information I had to providel
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I notified XXXX that on XXXX separate occasions, there was fraud on my accounts and someone stole money. On XX/XX/2023 someone stole XXXX out of my account, On XX/XX/2023 someone stole XXXX out of my account. On XX/XX/2023 someone stole XXXX out of my account. They transferred the money to XXXX separate XXXX XXXX transfers. None of these XXXX XXXX accounts belonged to me. All three of these transfers were done online. Synchrony bank has credited my account XXXX back into my account, but they put a restriction on the account and wont let me have access to any of the money until the investigation is completed which could take up to 90 days. I need this money to pay my monthly bills and they won't let me have any of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I made a {$350.00} purchase online XX/XX/23 at XXXX advertised as 12 mos. no interest. I was confused about the contract language and wound up contacting Synchrony about how the payments would be applied. I was not satisfied with that arrangement and received instructions from them via chat about how to make additional payment and have that additional payment reallocated to pay off that deferred interest contract. I followed their instructions on XX/XX/23. 10 days later, I received a letter denying the request. I chatted with them again XX/XX/23, and they promised again to reallocate the payment. They've failed to reallocate the payment by the promised time, yesterday, XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97321
Submitted Via: Web
Date Sent: 2023-09-28
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On or around XX/XX/2023, my XXXX, paid her XXXX XXXX payment that was due on her card. It was mistakenly credited to my account balance. Between XX/XX/2023 and XX/XX/2023, after receiving my statement and noticing the mistake, I called to have the payment she made to my card transferred over to her card. They debited my account for the amount she paid which was XXXX. However, somehow, they debited my account XXXX for the same amount. XXXX once to pay the balance on her card and then again, now leaving a balance due on my account of XXXXXXXX I then called sometime in XXXX after receiving my statement to tell them of the mistake, and after an hour on the phone they promised it would be fixed, listed it as a dispute, and that I would need to wait XXXX days for it to be resolved. After the XXXX days had run, they said it was a correct charge and listed my account as XXXX past due at which time I started to receive emails, letters, and, for the first time in my life, put into collections. I have called a minimum of XXXX times, spent approximately XXXX hours on the phone, most recently on XX/XX/2023, attempting to have them remedy the problem. After every single phone call, I am told that they see the problem, they will remedy the situation, that they will send me a letter telling me it's been fixed and notify the credit bureaus. Then on XX/XX/2023, I receive a letter from XXXX XXXX Bank XXXX XXXX that they are correctly reporting to the bureaus, that my account is past due. I received a notice on XX/XX/2023 from XXXX saying my credit report was decreased by XXXX points, on XX/XX/2023, XXXX XXXX closed my account which further decreased my report, on XX/XX/2023 and again on XX/XX/2023 it was flagged as XXXX days past due. I am at a loss as to what to do. There is an outstanding balance due of XXXX plus interest and late charges of XXXX. There were never any purchases made in the amount of XXXX. If they would just look at the monthly balances due and back out the purchase amounts they would see that it is a mistake that their company made. Also, wouldn't they see that it is a bit strange that the payment amount was XXXX and the balance due is XXXX?? It absolutely unacceptable. I have done nothing to deserve any of this treatment. I want the charge removed. I want the interest and late fees removed. I want my credit line restored on the XXXX XXXX card and I want them to correct the credit bureau flags as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was using PayPal Mastercard and accumulated some cash back rewards. Paypal linked the credit card to a closed PayPal account and made it impossible to redeem the cash back rewards. I tried to have the problem fixed by Paypal and Synchrony Bank ( card Issuing Bank ) but they kept transferring me back and forth and refused to take responsibility. Then they closed my credit card account for no reason and swallowed {$270.00} in rewards and refused to send the money. I have tried many times to bring it to someone's attention but have not achieved any thing. I have wasted numerous hours on this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had paid off my Amazon card through asynchrony Bank and they werent applying the payment to my card when it should had been applied the same day or the next. I complained and they stated because I was paying off such high amounts of payments that it would take longer. I have never in my life heard an explanation like that. I told them if they didnt apply my payments in a timely manner, I would report them to CFPB. It took Synchrony Bank several days ( up to 4 or more ) to post them to my account. XXXX XXXX XXXX XXXX XXXX I receive a notification in my Amazon account that my account limit was being lower to {$240.00} from {$800.00}. I think it was in retaliation because I told them I was going to report them to CFPB but they gave me some other ridiculous explanation. They need to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Synchrony Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Synchrony bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.4 states that you must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to ( 1 ) the customer and ( 2 ) the consumer. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Sinchrony bank. I have been a loyal customer for many years and have consistently utilized the 0 % interest rate special offered by the Bandsmart card. However, upon reviewing my recent statements, I was surprised to discover that I have been charged a total of {$310.00} in interest rates for this current year alone. This has left me feeling disappointed and questioning the integrity of the promotional offer. Throughout my time as a customer, I have always made timely payments and diligently adhered to the terms and conditions of the 0 % interest rate special. I trusted that I would be provided with the promised benefit of a zero-interest rate, and I am disheartened to learn that this may not have been the case. I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation as to why these interest charges were applied to my account. I firmly believe that this situation must be rectified, as it is unfair to charge me interest when I have consistently met my payment obligations and relied on the 0 % interest rate special offered by your company. I value the relationship I have with Bandsmart and Sinchrony bank, and I hope that we can resolve this issue in a satisfactory manner. I kindly request that you promptly address my concerns and take the necessary steps to correct any errors or misunderstandings that may have led to these interest charges. The attached statement doesn't reflect the new amount been charge for interest rate. Thank you for your attention to this matter. I look forward to receiving a timely response and a resolution that upholds the trust and confidence I have placed in your services. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A