Date Received: 2023-10-01
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Automobile Insurance Company is attempting to price gouge consumers over privately owned property- Individual is not a " high risk driver ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: in a letter dated XX/XX/XXXX synchony bank states that they must report accurate to the credit bureaus according to the fcra, However my question to them is where in the fcra does it state that account must stay on a credit report for 10 years. my point is the account is closed why does it matter to you if it stays on the report? it was paid and closed in XXXX of XXXX. this account is hurting my average age of accounts thats why I am requesting it to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2023-10-02
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: Reporting company used your report improperly
Consumer Complaint: In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2023-10-02
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: Reporting company used your report improperly
Consumer Complaint: According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I requested a decrease in the interest rate on my mastercard. The rate is 31.24 %. I have been a customer of this charge card since XXXX. The card was a store card then changed to a XXXX card. I have never missed a payment and have most of the time paid more than the minimum amount due. I have a XXXX score of XXXX according to the credit card. They refuse to decrease the rate because of what I signed in XXXX. I would think that the store card transfering to XXXX would void the original agreement. I believe it is unfair that the company can not reduce the interst rate that XXXX years ago was a penalty rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60051
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I opened my very first TJ Maxx account online. On XX/XX/XXXX, my card was shipped to me, and on XX/XX/XXXX, I noticed a {$140.00} charge on my account from a XXXX in California ( I live in South Carolina ). I was surprised considering I hadn't even received my card in the mail yet. I immediately contacted TJ Maxx customer service and they moved forward with a purchase dispute and said it could take up to 90 days to be resolved. I called their customer service team a month later, XX/XX/XXXX, because the charge was still on there and I wanted an update. The customer service rep indicated that it was still under review. On XXXX, the charge was still on the account, so I called customer service again. This time, they told me that I should have moved forward with a fraud claim instead, so they marked my card as lost/stolen, and closed that account. They told me that it would be another 60 days before that transaction was resolved. On XXXX, I received an email from TJ Maxx that they submitted a request to the major credit bureaus to delete any delinquency that occurred from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I contacted TJ Maxx AGAIN for a status update who then transferred me to the Synchrony bank ( card holder ) fraud department. They stated that I had never opened up a fraud claim on my account in the past. At this point I'm beyond frustrated because I had never been told to contact them in all my prior dealings with their customer service. Finally, on XX/XX/XXXX, I received an email from them stating that I should not be rendered credit because a valid sale was made with my temporary shopping pass. I can not stress this enough that this purchase was fraudulent and not made by me. I ended up writing a letter to the CEO of TJ Maxx on XX/XX/XXXX and mailed a copy of that letter to their HQ in XXXX XXXX I have heard nothing back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently had a XXXX XXXX XXXX through Synchrony Bank. I refinanced my home and used the money to pay off my account. Synchrony would not give me an accurate amount that I owed for closing the account, so I sent more than needed. I have been attempting to get a credit refund from Synchrony for several months now. I made my payment in XXXX, and have requested my refund every 10 days since XX/XX/XXXX. Every time I call them, they tell me the account is flagged and they " will remove the flag and get you your refund ''. This has happened four times now. I feel that if I took three months to pay them, they would charge me a late fee or send my to collections. Now that they owe me, it is nothing but excuses. I let them know that I am a XXXX veteran and need the money for my medical bills, this may have made things more difficult as I do not know Synchrony 's stance on veterans. I have attached a " statement '' that is available on my account. It doesn't have any information on it, another example of Synchrony keeping me in the dark.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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 am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to SYNCB/RMSTGO XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There have been several disputes and complaints submitted to get the information corrected. As of XXXX, there was a request to have these accounts removed from my credit due to their inaccuracies. The response was provided on XXXX, and the information remains on my credit with claims in the letter that are also inaccurate when compared to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60099
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: 2023-10-03
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 initially contacted Verizon Visa Card on XX/XX/XXXX, about a {$350.00} charge that was made on XX/XX/XXXX. I disputed the {$350.00} charge and requested a reversal of the charges on the basis that the merchant ( XXXX XXXX XXXX ) has gotten paid TWICE at my expense... How? Because XXXX XXXX XXXX is CONNECTED to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I paid XXXX XXXX XXXX {$350.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has deducted {$400.00} on behalf of XXXX XXXX XXXX XXXX NOTE : It takes weeks for a tax refund to be processed, so this is why we have the dates XX/XX/XXXX and XX/XX/XXXXXXXX in my complaint The amount of {$350.00} versus {$400.00} is because of a discount I paid UPFRONT! If clients elect to have tax prepared service fees taken out of their tax return, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) will deduct tax service fees from the clients tax return ; pay the tax preparer, and send the client the remaining balance! However, if fees are paid UPFRONT, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) WILL NOT DEDUCT any fees and will send the full amount to the clientNOTE : The client is meTerrance XXXX! ***For further details please see all ( 6 ) attachments 1. Letter to Verison Visa Card 2. Copy of the IRS Tax Form ( 2nd page only ) 3. Copy XXXX Payment Receipt 4. Copy of Bank Statement 5. TPG Receipt 6. XX/XX/XXXX letter sent to me by Verison Visa 7. XX/XX/XXXX letter sent to me by Verison Visa Please read " Letter to Verison Visa Card '' -- -FIRST ... .IT EXPLAINS IN GREAT DETAIL OF MY COMPLAINT...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A