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 :. ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ;. ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( XXXX ) The name of the actual creditor even if that is myself ;. ( XXXX ) The origin of the funds used to create this alleged claim of a debt. ( XXXX ) 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. . ( XXXX ) 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. . ( XXXX ) 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. . ( XXXX ) 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. XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) 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 Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. 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 Eads v. Marks 249 P. 2d 257, 260.
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: 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've called Synchrony Bank several times about an unauthorized charge on my card. They said on both occasions that they was prompting and investigation and that they would have the issue resolved. Well nothing has been resolved and they are hitting my credit and constantly raising the late fee as oppose to closing the card and correcting the discrepancy. My credit score has gone down XXXX points be use of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I did a dentist appointment from having a toothache and from there the dentist had a whole bunch of ideas and how they can fix my teeth and make them better. They convinced me that Care credit card was good and could pay for these procedures. No interest for a year or so. The price was doable. Now fast forward to me having the card. I was late one payment and they close my account. Even before closing my account it's been very hard to sign on to actually pay. The payment account portal works when it wants to work and basically now it won't let me on. I have to sign in as a guest. As a guest you need to have your card with you, which if if your account is closed, there's no reason to carry your card. No matter how much you pay this card, the balance goes up. So let 's say I started at {$700.00} 10 months ago and paid {$50.00} something dollars a month now. 10 months later I still owe {$600.00} and something. It's like no matter what you do, you're just throwing your money in the hole. It's like you can never finish paying these people off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with 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 :. ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ;. ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( XXXX ) The name of the actual creditor even if that is myself ;. ( XXXX ) The origin of the funds used to create this alleged claim of a debt. ( XXXX ) 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. . ( XXXX ) 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. . ( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) 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. . ( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) 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. XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) 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 Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. 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 Eads v. Marks 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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Synchrony Bank they do not respond to my requests tried to negotiate lower payment no answer. Balance keeps increasing do not have or use card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88201
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an account opened with Synchrony/Care Credit for medical use of medical reasons. My account was in the amount of {$10000.00} and I was set to use the credit line for a medical procedure on XX/XX/2023. I have already placed a non-refundable deposit down for the XXXX. On XX/XX/2023 is my pre-op appointment and that is in a couple of weeks as todays date is XX/XX/2023. At my pre-op appointment on XX/XX/2023 I am supposed to pay the balance in full. Due to Synchrony/Care Credit closing my account to inactivity as their reason, my XXXX will be cancelled along with me loosing my deposit placed on the XXXX. The fact is I am very hurt and disappointed about my XXXX having to be cancelled. But I am angry that I will loose my deposit and theres nothing that I can do about it. Please help me, as I would rather have the credit line re-opened to have my XXXX next month. Regards, 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: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I mistakenly thought I had no foreign transaction fees from a PayPal/Synchrony MasterCard . I have another PayPal/Concerto MasterCard ( business ) that did not have the foreign fees and mixed up the information. A supervisor reviewed my call log back in XXXX, prior to our trip, a call that was to verify no foreign transaction fees, car rental insurance, and travel dates. They confirmed my conversation and verified that I had acknowledged that foreign fees existed. The purpose of my writing was to try and make awareness and require each credit card statement list all potential fees in a basic line to make the consumer aware. There is plenty of blank space to do that, but all that's provided is the Purchase/Balance Transfers and Cash Advances. I could not easily find the information I was looking for and went for the phone call. In my recollection, I had no foreign transaction fees but there was no rental car coverage. We went about our trip using this Synchrony card and XXXX XXXX. Part of me thinks it may be to the advantage of the card company to not display this information on every statement. Even listing some coverages that your card may have with a URL listed for detailed information would be very helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: PayPal issued me a credit card on my PayPal account and then set it up as the default payment method without my consent. I never requested PayPal Credit and then I was suddenly sent a notice for outstanding fees and bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
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: 2023-08-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I enrolled in CareCredit ( Synchrony Bank ) back in 2017 with the purpose of paying for XXXX XXXX. At the time of this report, I've learned that I was ( involuntarily ) enrolled in their " card security '' program. CareCredit claims that I did not opt of this program. Not only did I not have any awareness of their program until XXXX of this year, but I would've opted out given the option as it makes no sense to me. In sum, the company has been charging me for this fee since 2017 unbeknownst to me and as a result, my balance has accrued to an amount that exceeds the very purchase amount this card was applied for. The total amount ( current balance ) for this card security program totals XXXX ( fees plus interest ), which does not include past amounts I've paid to stay current with my balance. Please see attached copies of fees charged since XXXX. Unfortunately, all other statements were paper copies which I've disposed of dating back to 2017, but I'm sure Synchrony would be able to pull them up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony bank closed my credit card and confiscated the cashback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A