Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublicpersonal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " 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. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: PAYPAL is charging 49 % interest per month because I can not afford to pay entire amount on a monthly basis. I pay XXXX, they put towards my loan XXXX dollars this month of XXXX. I have been paying 49 % interest for about the last two years, I now owe aprox XXXX down from XXXX in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2023, I phoned Synchrony Bank inquiring about a " Hardship Program '' for my Sam 's Club Credit Card. I explained the XXXX death of my sister, created a financial hardship which caused me to fall behind in payments. I was told that I did qualify for the program, and I would pay {$44.00} per month beginning XX/XX/2023 payable for three years to pay off a balance of {$2400.00} which all interest and late fees would be halted. He also stated that as long as the {$44.00} payments were made by the XXXX of each month, it would be reported to the credit bureaus as " Paid on Time. '' The rep stated that I would receive a letter stating these terms and where to send/mail the monthly payments. About a week later, I received a letter from Synchrony bank stating my account had been closed, but haven't to-date received the letters disclosing the terms of the Hardship Agreement. I phoned Synchrony bank on XX/XX/2023 to inform the rep of receiving the letter of " Account Closed. '' The rep stated that's the first thing the rep should've disclosed to me before offering me the Hardship Program was the account would be Closed, which would've swayed my decision. Today, XX/XX/2023, I received a billing notice from Synchrony stating that I had an " Amount Past Due '' of {$170.00}. I then phoned Synchrony at XXXXXXXX XXXX. today and spoke with XXXX. I informed her that I have yet to receive the disclosures of the Hardship Program, and why was I receiving a bill with " Past Due '' amounts. That was the reason for entering into the Hardship Program which terms and conditions were partially disclosed, totally eradicated, and I have yet to receive the terms and conditions of the Hardship Program in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I saw in my credit report an inquity of this company and do not know what this is about. They never contacted or informed me about this debt but they have reported it to the credit bereau and this is affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have repeated ask Synchrony Bank ( Care Credit ) to mail me a refund check on a balance and its been months ( XX/XX/2023 to XX/XX/2023 ) and i have not received my refund account check of over {$400.00} dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Credit card company sold my debt that was closed after I returned items to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Synchrony has placed a limit on the amount I can transfer from the account, even though I couldn't find any mention of this restriction on their website or in any agreement. They were contacted on XX/XX/23 at XXXX XXXX, but they told me that even though there is no written agreement they are limiting my transfer amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68106
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XXXX of 2021, I purchased a medical device from XXXX for {$5500.00}. To pay for the device, I was contacted by a representative from CareCredit Mastercard. She told me that if I used their credit card, it would be interest free, because it was a needed medical device, if I agreed to make a payment that they would bill me for monthly and if I agreed to give them permission to take it from my bank account directly. She said after 2 years the charge for the device would be paid off interest free and I didn't need to do anything other then make sure there was enough money in the account to pay the monthly bill. I have been trying to resolve this since XXXX of this year as it was 2 years and they still keep deducting a payment from my bank account each month. I've had conversations with them the week of XX/XX/XXXX and XXXX. They also said after more then 2 years I still owed {$4700.00}! I did figure out how to stop them from going into my account. I called their hotline and he said that I still owed them {$4700.00}! How could this be I asked when I have been making the payments that their person said I would need to payoff the device. I've paid {$3700.00} for the past 2 and a half years. Why it doesn't total up to the {$5500.00} I don't know, they obviously made a mistake, as she said at that time that they would calculate the correct amount monthly. Now their representative tells me it was my responsibility to calculate the monthly payments. How can that be I asked, I'm a XXXX XXXX, not a loan accountant. I wouldn't know how to do that! I told them that I am not trying to get something for nothing, and I am not trying to pay less then what the device cost, however, I can not allow myself to be taken advantage of either, especially in our terrible economy. I told them I've made payments of {$3700.00} which means I still owe them {$1800.00}. I told them I can get this amount for them but they said they wanted another {$4700.00}. That would mean the device would cost {$10000.00}! How could that be. They told me if I don't pay it they will send a collection agency after me. I am worried sick over this, please help,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my XX/XX/XXXX Synchrony Sams Club MasterCard payment via Bill Pay from my bank on XX/XX/XXXX. I have attached the payment details from my bank showing that the payment was made to Synchrony ( XX/XX/XXXX ), delivered by USPS ( XX/XX/XXXX ) and cleared my bank ( XX/XX/XXXX ). I called in to make the dispute on XX/XX/XXXX and mailed the proof to 2 Synchrony addresses. Synchrony closed the dispute stating I did not provide proof. I dispute again in XXXX via their online dispute form. On XXXX Synchrony closed the dispute again saying they could not find the payment. I called customer service and was told that the check orientation was not correct and they couldn't read it, however, the check was in the correct position when I reviewed my dispute. I spoke with a supervisor who was able to read the tracking numbers and said my account would be credited within 30 days. However, my account still has not be credited with my first payment and correcting their mistake should not take this long. Synchrony receiving a paper check from my bank 's bill pay system is no excuse! I had to pay all subsequent payments in store, since Synchrony can't seem to process payments correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Collector calls in excess of 10+ times per day. Never leaves a message. Just keeps calling back to back to back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A