Date Received: 2023-08-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My response to Synchrony Bank to my XXXX email reply to their XX/XX/XXXX email. After the most horrendous credit fraud in USA holiday history late XXXX. ALL my active Synchrony Bank cards payments fail. Sams Club Amazon Prime Phillips 66 Since XX/XX/XXXX til now XX/XX/XXXX your bank account number fails at my bank, because it is NOT A VALID SYNCHRONY BANK ACCOUNT. Each of the 8 minthsAfter phone payments, online payments and customer service payments, INVALID BANK ACCOUNT is why the PAYMENTS DO NOT COMPLETE. Some how ALL 3 of my active Synchrony Bank cards payments fail. Possibly there is corruption within your bank or hackers in your system. As a retired XXXX, I know that programmers can steal within the banks computer system by using a VALID ACCOUNT NUMBER. UNTIL THEY GET CAUGHT. THEN THAT ACCOUNT NUMBER IS FLAGGED BY ALL BANKING FRAUD COMPUTER SYSTEMS. My active Synchrony Bank cards payments that fail are : Sams Club Amazon Prime Phillips 66 Since the only way is to make mail payments, I notice the addresses keep changing from. XXXX, FL to XXXX, PA to XXXX, TX Can my payments to Synchrony Bank get any more confusing? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX - landline XXXX - mobile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: So the company is Synchrony. I opened this credit card at the end of 2022, to pay monthly for furniture that I bought at Ashley Furniture. Since then I have been charged {$180.00} in total fees. My first statement was in XXXX for {$1700.00} With an added fee of {$29.00} and since then I have been charged anywhere from $ XXXX {$30.00} a month. I believe I originally called in XXXX to inquire about these fees. I thought they were late payments because my autopay was set to take the funds out of my account on the day my payment was due, but Synchrony informed me that it wasn't late fees or interest but a security fee? And I would have to take it up with a different agency. They gave me this phone number : XXXX. When I called today I spoke with a woman, I asked her to remove the charges and to stop future fee collection, she repeated my request back to me twice and I confirmed with her TWICE that is what I wanted to happen and she said " You didn't know about the program? '' I said, " what program? '' She then said she was going to put me on hold and speak to someone ... when she came back on the phone she was very formal and basically told me she 'did n't have to information for me and that I would be contacted in 3-5 days '. I said to her, " You just told me that I am enrolled in a program and now you do not have the information for me? '' She apologized and said there was nothing she could do. So now I am in this 3-5 day waiting period ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97527
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I discovered a fraudulent application for a credit card with Synchrony Bank / Amazon had been submitted in my name on XX/XX/2023. I first contacted Synchrony Bank XXXX Amazon on XX/XX/2023 in order to dispute this application since I did not apply for any new credit at this time. I was told that there was only one application submitted and that Synchrony Bank / Amazon, which was denied. I was told that, " per process, '' the details of my dispute would be forwarded to the credit reporting agency and that it takes between 30 and 60 days before I would see an changes or a resolution. I was also told I would receive a letter in the mail that contained summary information regarding my case. I received nothing in the mail, and, upon waiting the 30-60 days, I contacted XXXX who stated they had not received any information from Synchrony Bank / Amazon regarding my dispute. I contacted Synchrony Bank / Amazon fraud department again on XX/XX/2023, where I received the same information from my previous call, waited the 30-60 days, contacted XXXX, and again was told they hadn't received anything. I just contacted Synchrony Bank XXXX Amazon again today ( XX/XX/2023 ) and was surprised to learn that there were not just one, but THREE fraudulent applications submitted in my name, and that only ONE of the three were reported to XXXX from my first inquiry in XXXX. The agent took action to report the other two fraudulent applications to the credit reporting agency while I was on the phone. I asked this agent for written verification stating what actions had been taken up to this point and he refused to provide such documentation stating that per their policy they can not provide this documentation because these were " only applications, which were denied '' and that they could only provide written documentation if I were an actual account holder. XXXX has stated on multiple phone calls that they are unable to remove the inquiry from my report until they have received the proper evidence from the card issuer, which I am unable to provide since Synchrony Bank / Amazon refuses, and instead insists that they are taking care of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I went to the denist on XX/XX/XXXX and charged XXXX to my care credit. I have had this card for a couple years. I guess it was a promotional purchase and I had XXXX years to pay off. I did not know that. On XX/XX/XXXX I made my payment and I don't see anything. On XXXX payment comes around I notice an interest charge for XXXX. I called and they said I owed XXXX on my promotional purchase and I was XXXX day out of the grace period. I was charged XXXX percent interest on the XXXX each year. The representative went on to tell me I have to call and tell them to add my money on what promotional purchase I have. I was not aware I even had promotional purchase. I thought it was all standard. Why does care credit have autopay, online pay, and automated system to pay if you have to call and tell them where your payment should go.. I never got any email stating I have XXXX dollars to pay by XX/XX/XXXX or I would have to pay XXXX dollars. I feel taken advantage of! I thought the promotional purchases were just when I opened the card up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was charged unexpected interest that accumulated over time. I was never informed by the company that I used to have windows installed in my home that this would be the case with the third party company used for the payment plan, which is Synchrony Bank. I called the Synchrony Bank and the XXXX informed me that she attempted to refund me the interest charged, but that she could not override the system because it was past the 30 day grace period. It should be noted, she mentioned that the higher ups block this capability and she agreed this was unfair. I would like to inform you as well, that I did not pay off the windows ( loan ) in full because we were awaiting the final inspections from XXXX XXXX and the windows company was constantly remiss in sending the necessary documents for the inspectors. The final inspection did not happen until this summer. This was a constant issue with the window company, which communication has been remiss as well. The Synchrony Bank charged me the interest in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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: In XX/XX/2023 I used a Lowes Credit Card to purchase a new refrigerator. Lowes delivered the refrigerator, and it was defective. After confirming the defective status with a technician, I went back to Lowes in XX/XX/2023. I purchased a second new refrigerator, again on the Lowes Credit Card. This was a different refrigerator, it was a separate charge on the Lowes Credit Card. When the second refrigerator was delivered, Lowes took the defective unit with them. I asked if I needed to sign any paperwork, and I was told no. I was told the charge for the defective unit would be refunded within a few days. As of this writing, XX/XX/2023, I have not been refunded for the defective refrigerator that Lowes took with them. I have both called and gone to Lowes several times, and am always told the refund is " processing ''. Since Lowes is unable to help, today I have filed a dispute with Synchrony Bank, attached. I am asking for CFPBs assistance resolving this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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: 33607
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Be it known that I am compelled to address a grave concern that has arisen with regard to my consumer report. It hath come to my attention that certain information contained therein hath been brought forth through the nefarious machinations of identity theft, a plight most foul. Verily, I declare with unwavering conviction that I did not grant my written assent nor did I impart any instruction for the transactions in question to be inscribed upon my said consumer report. I trust this message finds you well. I am addressing a matter of utmost concern regarding unauthorized information present in my records. It has come to my attention that certain events have transpired, which I shall now describe, that require your immediate attention and action. To provide context, I wish to highlight that I did not grant any form of consent for the reported information to be included in my records. Furthermore, it is essential to note that there is no SSA-89 on file associated with these reported incidents. Given the gravity of the situation, I am left with no choice but to insist on the immediate blockage and removal of this unauthorized information from my records. I want to underscore that my consent was never given for the inclusion of this information, and the absence of an SSA-89 further confirms the unapproved nature of these entries. My request for blockage and removal is based on the ISUS code 1681, which I believe outlines the rights and protections afforded to consumers like myself in such situations. In light of the above, I kindly implore your urgent attention to this matter. Please take the necessary steps to rectify this issue promptly. I seek a resolution that ensures the unauthorized information is expunged from my records, in alignment with my rights as a consumer. I eagerly anticipate your response and the subsequent actions taken to address this concern. Thank you for your prompt attention and cooperation. With all due respect, I do beseech thee to expeditiously execute the blocking and expunction of the aforementioned information from my consumer report, with immediate effect. Know ye that this entreaty is conceived in earnest and free from any manner of misjudgment or error upon mine own part. Moreover, I solemnly affirm that this request is not grounded upon any distortion of fact, pertaining to the entreaty for the inhibition of the aforesaid transactions. Be it so acknowledged, the transactions in query bear no relation to any personal actions undertaken by mine own hand as the consumer. I therefore humbly entreat thee to heed my call and without delay enact the prevention of the dissemination of these transactions upon my consumer report. XXXX XXXX XXXX XXXXXX/XX/2023 Furthermore, I beseech thee to provide substantiation of the alleged delivery of goods, for I avow that I received no such goods, nor did I partake in any essence of retrieval thereof. My stance on this matter is steadfast, and I anticipate and indeed expect that these measures shall be executed within the span of four days from the instant of the reception of this formal missive, in accordance with the dictates of the law. In fervent anticipation, I await thine elucidation on this most pressing matter. For your consideration and cooperation, I extend my gratitude. In good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( 1 ) The name and address of the organization or other governmental unit alleging a debt ;. ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( 3 ) The name of the actual creditor even if that is myself ;. ( 4 ) The origin of the funds used to create this alleged claim of a debt. ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. . ( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. . ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. . ( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. . ( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. . ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 2 ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the XXXX XXXX Influences and Corrupt Organization ( XXXX ), U.S.C. Title 18 1961 et. seq. and further : using the XXXX Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names. TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account. d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. 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: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I contacted the company directly regarding the UNAUTHORIZED credit inquiry appearing on my XXXX credit report. I informed them I had not made any application for credit products from their company. I was advised that the issue would be reviewed and resolved. It has been several weeks and still no resolve. I contacted XXXX directly to resolve the issue as well. To date NOTHING has changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A