Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX was notified of a debt collection from Synchrony Bank in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. My original account was closed by Synchrony and then somehow merged with this other woman. 1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my right. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also 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: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an Amazon store card. I made special promotional purchases, which I wanted to pay off in full. XX/XX/ I paid {$260.00} and told the bank to allocate that payment to pay off in full my promotional balances. Told the bank on numerous occasions and written on their website how I wanted the money allocated. Was told it would take two billing cycles, would be no problem. Was never paid off, talked to multiple supervisors multiple times and was told that it would be taken to care of on multiple occasions, all recorded. Keep getting billed $ 115 monthly for an {$800.00} balance, when on their website it states the payment should be around 2 % of the total owed. Told them multiple times I'm not paying {$110.00} to {$120.00} a month and that they lied to me on multiple occasions about paying my special promotional balances off. I refuse to pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit has been reported to pay pal without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: care credit through synchronicity was offered to me for XXXX XXXX XXXXXXXX in XXXX XXXX and offered a 12 month 0 interest option ... there needs to be regulation for heath care related loans where the interest rate doesn't balloon to 29 % if the balance isn't paid by the interest free period ... if they're going to get away with this perhaps a 4 % flat interest rate unless the balance divided by XXXX isn't satisfied each month? it seems extremely preditory and would take something like 4 years at their minimum payments to close out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: 33615
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: 33615
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: 33615
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I sought to make an online transfer of funds from my savings account. Because I had made a transfer the day before at the maximum amount they told me that I could not make additional transfers from the account until 4 days after those funds had cleared even though though the funds had come out of my account. Funds are therefore trapped and I am unable to access. They told me that this is to prevent fraud even though the account that I was transferring to is a pre-established and verified account that I have used for years. No where online in the disclosures that they have published online is this restriction described. They claimed that some months ago an e-mail was sent to customers notifying them which I do not recall receiving but even if this is the case why isn't this published in their online disclosures?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This card was solely for auto repairs, or anything auto related so the last time I used it was last year. I used it this year to get my oil changed. Then I got on the app and paid it off in 3 different installments in the same week. I did not realize that the bank information that was linked was outdated as I thought I had updated it. So, when making the payments as I did in that short time, a payment came back as not being paid. I contacted them on XX/XX/XXXX and the rep let me know what had happened. So, I had the rep help me on the website to update my bank info and she did. I apologized as I did not know that it wasn't updated. I let her know that there were 2 more payments that were going to come back like that, and she stated just to wait until they come back before making the payment again now that the info was updated. She stated that it would be fine. On XX/XX/XXXX my account was closed. I called them back up to find out why and they said it was because payments were not received. Even though I spoke with this rep and she stated it would be fine and to just wait for the others to come back, they closed my account. I have never been late, never had an outstanding balance and they stated once it is closed there was nothing for them to look into. So, i just want to file a complaint against them for not having the rep take notes on the situation or reach out to anyone to let them know the situation at hand. Instead, just closing the account and having it affect my credit for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A