Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is a credit card used for home improvements with approved vendors ( Synchrony ). I have the app set up for auto pay and it worked most of the time, but sometimes I would get a late notice and have to go into the app to confirm auto pay is still turned on, and then make a manual payment to the balance. Late Fees occurred ; XXXX After the last notification I got about a late payment I confirmed that auto pay was still turned on so I then reviewed my payments to date. Upon reviewing my payments I realized that I had been charged {$41.00} in late fees on the dates listed above. I called the customer service line and eventually requested to speak with a manager. I explained that there seems to be a problem with their auto pay system and that I have been charged the late fees unfairly. I was told there must be an issue with the data I entered for my bank account. My response to them is that the auto pay works sometimes but not all times, and while on the phone with the manager I made a manual payment which the manager saw come in on my account. Ultimately there is no issue with my bank data as auto payments go though from time to time and I can make manual payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is a collection account on my credit report from XXXX XXXX XXXX which XXXX Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX XXXX breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 at around XXXX XXXX the XXXX XXXX in XXXX, Wyoming the plus card on my parents account was not working. The employee at checkout took me to customer service to sort the issue out. The employee informed me that they no longer printed physical club cards and I needed to download the digital app, which I did. They asked if I had an ID on me and I did not, I offered for my husband to go home and get it but I got no response and they continued with asking for updated information. I was handed the tablet the employee was using briefly to type in my social security number ; I had never touch the tablet before or after entering my social security number. The employee then informed me the account was paid but I was not deemed active on the account. In order to become active I would need to pay {$45.00} for the yearly XXXX plus membership, which I agreed and paid with my debit card. Moments later I went back to check out to purchase my items and upon check out the screen asked me if I would like to use my XXXX XXXX XXXX or a different form of payment. Upon confronting the employee regarding being signed up for a credit card without my knowledge or permission, I was told I am sorry, I thought you knew that, please dont be mad at me. I went back to customer service and informed them I did not want to be signed up for a credit card and they did not have my consent to do it and I would like to cancel it immediately, I was told to just not use the card when it came in the mail. I called the credit card company immediately leaving the store at XXXX XXXX. The card was actually issued under my maiden name because apparently the employee opening a credit card under my name did not know that was not my legal name anymore because they did not ask and I did not have an ID on me. They credit card employee apologized and canceled the card. A hard inquiry was done on my credit and a line of credit was opened under my name I did not authorize or even have proper identification to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2023, MySynchrony card company cancelled my store cards for XXXX and Guitar Center. I was in good standing and XXXX card close to payed off and Guitar Center months later. Out off the blue they closed my account and my credit rating took a huge drop for no reason. I was always on time with payments. I called them on XX/XX/2023 at XXXX, the lady said that sent me a letter which I never received, and listed XXXX reasons why it was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I called and sat on hold 10 minutes to talk with a call centered outside the US. Said it was lowered because of my current credit score which i am trying to increase. I saved for 3 months to make a lump sum payment of {$1200.00} and havent been late but one month. I am rewarded with them lowering the credit score by 50 %. I asked how to make a complaint and they hung up on me.
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: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: Purchased a king size mattress on XX/XX/2022. Charged it on a XXXX credit card. After still paying found that several holes were found on the fabric of the mattress. The mattress that I was replacing was 20 years old with no issues. I reported this to Mattress Firm and first of all was told that I had bought that at the outlet store. The store in XXXX XXXX IL on XXXX and XXXX XXXX nowhere does it state that it's an outlet store. Spoke with the manager about the situation and they wouldn't do anything. However, after filing a complaint with the XXXX XXXX XXXX, I was told that I could exchange it. I went back to the store and there was only 1 mattress that I found to be comfortable. However, they told me it would be an addition {$1000.00} making the mattress {$3000.00}. That is not what I wanted to spend for a mattress when I entered the store. The Regional Manager called me and said that there was nothing they can do. The XXXXXXXX XXXX Credit card claims that they filed a complaint and came up with the same conclusion that my claim is not valid. Within a year, the mattress is falling apart. How dare they take advantage of regular working people. Also, stated that I got it at an Outlet where there is nowhere a sign that says I was in an outlet. I think that this company is lying to people to buy there product and selling LESS THAN PAR Products.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: {$43.00} was to be credited to account by Amazon. They acknowledged receipt of returned merchandise. However, no credit appeared on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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 believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. YNCBXXXX XXXX XXXX XXXX It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello, I am reaching out due to excessive interest charged on my account, specifically on amounts under dispute. I bought furniture from Ashley Homestore from XXXX, TX on XXXX. The furniture was finally delivered on XXXX but a few of the products were defective, specifically, the dresser, mirror and the bed headboard amounting to {$1500.00} including taxes. We immediately contacted both Ashley Homestore and later disputed with My Synchrony and we were assured that we wouldn't have to pay for that until the furniture were delivered. Fast forward to XXXX, 2023, we still hadn't received the right products even after acknowledging the issue and confirming swift action, but wasn't delivered until XXXX, 2023. However, My Synchrony started charging extravagant amounts of interest, around a XXXX dollars. I've contacted their customer service and they re-disputed the charges which made Ashley Homestore take action immediately this time by delivering the products in a couple of days. However, the charges related to products not delivered were still there and I was held liable for that and was denied any support from My Synchrony. This meant that I was accumulating interest for products that I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A