Date Received: 2023-08-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Hello, I wish to file a complaint with the credit card company, GE Money Bank for harassment. I am not sure who to directly contact because the debt has been sold several times over the years. I am writing because I have been dealing with this issue since XXXX. I have stated several times in the past that I do not owe the debt but every time it is sold to another company the harassment starts again. About 3 years ago a representative showed up at my mother 's address looking for me, they have also shown up at my workplace looking to speak to me. Today ( XX/XX/XXXX ) I received a call while at work from a representative on behalf of the company asking me to verify my address because they are filing a legal complaint against me. I confirmed my address and again explained to the representative I had been dealing with this for years and that it was not mine. I also stated " Statute of limitations in my state '' The representative then went on to explain how they legally have 15 years to try to collect from me. also stated that the company still has 5 years to try to collect on the debt for me. the representative then informed me that they were filing a legal complaint to put a lien on my house, and my paid-off vehicle, and to garnish my wages from my bank account. I then asked for information about the company so I could contact them once given the information the representative ended the call with " We will see you in court, have a nice day '' After going about my day I received a call from my ex who I no longer speak to informing me that he received a call from a debt collector, they left a voicemail on his phone about the debt. He sent me the recorded voicemail and on the phone, the same female representative was talking. The representative left a voicemail stating '' This message is for ( My full name ) how there's been a legal complaint filed against me, a reference number, and for me to call the number back. To make matters worse I then received a phone call from my brother that he also received a phone call about the same debt. They were asking him to verify my address and when has he spoken to me because they were looking to file a legal complaint. This is embarrassing because this company should not be allowed to discuss the reason with my family members or ex. I have been harassed for several years now and I would like them to stop. I will not pay a debt that is not mine. This company has committed false claims against me by threatening to put a lien on my property and car. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95209
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Complaint against GE Financial for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against GE Financial regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with GE Financial have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from GE Financial in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to GE Financial. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to GE Financial and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been making payments since XXXX my balance is still over a XXXX none of my payments have been going to the balance what am I paying its XXXX and the balance paid only show XXXX this needs to be investigated I closed my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : also it states a consumer reporting agency can not furnish an account without my written instructions. 15 USc 1666B : 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: SC
Zip: 296XX
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: Fraud or scam
Subissue:
Consumer Complaint: I filed a complaint with the FDIC, earlier in the month, XX/XX/XXXX, and have not received a reply. They claim, they forwarded the complaint to this office. the complaint is no. XXXX. The complaint was against XXXXXXXX XXXX XXXX XXXXXXXX, Florida.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 i had several credit cards through Synchrony bank Lowes, ebay mastercard, paypal credit and mastercard, care credit, my car care and several others. I have one card that has a balance on and i am still paying on. I paid all cards on time and balance off. Never was late or missed a payment. All payments made on time. Back in XX/XX/2023 Synchrony closed every account with them. Reason was they say im a risk yet i pay off the balance after making few months of payments to build payment history and never late or miss any. Bank refuses to open accounts up. My score took a big hit when they closed all accounts. Reading reviews on this bank it seems to be a habit of theres
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used my Synchrony HOME Credit Card at XXXX to purchase a mattress and adjustable base. I charged XXXX on the card. I paid XXXX XXXX dollars on the card. I returned the mattress and adjustable base to XXXX. I called Synchrony on XX/XX/XXXX to get my XXXX dollars back. I was told a refund check would be issued. I looked online at the activity on my card. A refund check was supposedly sent on XX/XX/XXXX. I did not receive my check by the XXXX of XXXX so I called back and was told to wait 7 more days. I waited until today and I havent received my check yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
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: 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: 33614
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Synchrony Bank made no attempts to resolve issue with the original complaint and dispite multiple attempts to correct the facts that they fabricated, ( I never cancelled my autopay as I depend on automation to manage my finances ). They tried calling me and I attempted to return the call multiple times without sucess. The fact remains that their autopay failed and they falsely stated that I caused the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67205
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have called the company to attempt a resolution to the credit error that occurred XX/XX/2023 in the amount of {$41.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A