Date Received: 2023-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am in need of help because i am being harassed by a debt collector who is repeatedly calling and writing me letter even though they have taken action to sue. I have the letters that has been written and sent to my address. I'm with the XXXX XXXX XXXX XXXX. My name has been Trade Marked and XXXX, I have set up my common law for my name XXXX XXXX XXXX and XXXX XXXX XXXX. I also put my name in the news paper to claim my status of XXXX year of age with the Minnesota XXXX rule ( ucc ) you can look my my name up. 15 U.S.C 1692F says a debt collector may not harass or annoy debtors, and may not threaten debtors with arrest, and may not threaten legal action. But most importantly my XXXX out trumps everything and my Minnesota XXXX rule ( ucc ) is right behind it and if the do not stop harassing me, I will have no choice but to get my XXXX Lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding. Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a credit reporting 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: 33189
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing this in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally appeal the charge-off reported on my credit history by SYNCB/PPC. I request your immediate attention to this matter to ensure fair and accurate reporting of my credit information, as mandated by federal law. During the unprecedented challenges posed by the COVID-19 pandemic, I encountered unforeseen financial difficulties that significantly impacted my ability to meet my financial obligations promptly. Despite these adversities, I actively collaborated with SYNCB/PPC and established a legitimate payment plan in good faith, demonstrating my earnest commitment to rectifying my financial standing and upholding my responsibilities. In this context, I must bring to your attention the violations of the CARES Act committed by Synchrony Bank and its affiliate, PayPal. The CARES Act, enacted in response to the COVID-19 pandemic, provides protections for consumers facing financial hardships. Under the Act, creditors are required to offer accommodations to borrowers, such as payment deferrals or forbearance, without reporting late payments or charging off accounts during the period of accommodation. Representatives from Synchrony Bank assured me that if I made the required payments, my account would not be charged off, which indicates that the company was aware of the challenges posed by the pandemic. Relying on their promise, I fulfilled my end of the agreement diligently. However, it was disheartening to discover that my account was still reported as " charged off, '' despite my adherence to the payment plan. It was never sent to collection and still, after following the payment plan and payment was made in full of {$2000.00} as you could see in the bank statements, and not {$1400.00} ( in the credit report ), and was reported as a Charge off. Pursuant to 15 U.S.C. 1681s-2 ( b ), I have diligently sought clarification from representatives at both PayPal and Synchrony Bank regarding the circumstances surrounding the charge-off. Regrettably, they were unable to provide me with a definitive explanation, and they directed me to dispute the matter with the credit bureaus. However, in compliance with the FCRA, I firmly believe that a direct and lawful intervention from XXXX, as one of the major credit reporting agencies, can expedite the resolution process and prevent further adverse impacts on my credit report. Despite my unwavering dedication to fulfilling my financial responsibilities, I was dismayed to discover the " charged off '' status on my credit report. This detrimental entry has inflicted severe repercussions on my credit score and significantly impaired my ability to secure crucial loans, such as a mortgage. In accordance with 15 U.S.C. 1681i ( a ), I hereby request that Synchrony Bank conduct a thorough investigation into this matter and consider granting a goodwill adjustment as an act of fairness and compliance with the FCRA. Such an adjustment is essential not only to remove the erroneous charge-off from my credit report but also to reinstate my faith in the equitable application of financial regulations during periods of economic hardship. I anticipate your diligent attention to this formal appeal, as required by the FCRA, and request that you provide a written response within 30 days of receiving this letter, as stipulated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I remain readily available through the contact details provided above, should you require any additional information or seek further elucidation of the intricacies of my situation. Thank you for your conscientiousness in reviewing this appeal and adhering to the principles of the FCRA. I place my trust in your adherence to the law and look forward to a just resolution that will enable me to rebuild my financial future within the confines of the FCRA 's guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a Synchrony Bank XXXX CareCredit credit card account on XX/XX/XXXX to pay for a {$1300.00} charge at my XXXX. I was under the impression that there would be a no interest promo for a set period, but when I set up my online account later I found that the transaction was only given a reduced 17.90 % APR plan. Then on XX/XX/XXXX a {$6.00} interest charge was added to my statement even though my FIRST payment is not due until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was referred to your office by the Maryland Attorney General 's office. I made a purchase from XXXX XXXX XXXX, which uses Synchrony Bank for their loans on XX/XX/2022. My main reason for making this purchase was because of XXXX XXXX XXXX 12-month No Interest Charge offer. XXXX XXXX XXXX offered me a XXXX limit credit card from Synchrony bank, after checking my credit and their agent explained that that is how their process worked. My amount to be financed was {$4700.00} after I had paid XXXX XXXX XXXX {$1000.00} by check on the day of my purchase. I have paid my minimum payment to Synchrony Bank on time since then, except for XXXX, when my payment was due of XXXX, which I paid on XXXX, due to forgetfulness. At that time, after a close look at my account details, I realized that I have been billed interest charges all along although I been supposedly given a promotion of no interest charges for a year. This has added approximately {$1000.00} to my balance and is negatively impacting my credit history that has always been good. I am therefore asking that you please intervene and have Synchrony Bank remove the interest charges from my balance. I am doing my best to pay my actual balance with by XXXX, thereby taking advantage of the promotion that I was given. I have contacted Synchrony Bank and XXXXXXXX XXXX XXXXXXXX and they have continued to ignore my requests, although they are fully aware of the validity of my claims. I have my receipts and other documents as evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My card information was stolen by someone and was used and bring my account in a negative, yes its my account but it was stolen and used
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/23 I used my XXXX XXXX issued by Synchrony bank at Lowes- no purchase problem. I then went to my usual XXXX grocery store where my grocery purchase for {$99.00} was declined. I pay this card off every 2 weeks and have had for years. I look on line- I have over XXXX credit available and no messages or flags in my account inbox. I attempt 3 times at the checkout counter- card. I am then escorted over to the customer service desk AT THE ENTRANCE TO THE STORE. There the counter rep tries 2 more times- card still declined. I call the customer service # on the back of the card. I speak with a Synchrony rep that informs me I will have to verify my account ( WHY?? ) and will send me a link to my cell phone. I receive a link. The link takes me to a website where I have to : # 1 Answer personal questions- I do this. # 2 Copy my drivers license-front & back and upload- I do this. # 3 I HAVE TO VIDEO MYSELF TURNING MY HEAD LEFT TO RIGHT and upload- I do this. I am then texted a code # and have to call the customer service # again and give them the code number I waste texted- I do this. THEY THEN UNLOCK MY CARD so I can purchase my melting groceries that have been sitting in my cart for 45minutes. All of this happened at the front of the store- I have NEVER felt so humiliated in my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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: Payment made to PayPal for {$250.00} in XX/XX/2022. I made an error and typed the account number as XXXX XXXX vs XXXX. Despite XXXX faxes to PayPal from my bank of the check which is endorsed by Synchrony Bank and more than a dozen conversations by myself with PayPal personnel/customer service representatives XXXX I can not get payment credited to my account. Their accounts receivable and payable department is woefully inept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( 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 companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 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 : Any other adverse item of information, other than records oXXXX XXXX convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. " Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A