Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX a Care credit card was open ( Synchrony Bank ) This was report to the police and copy was send to them but they had sold it a collection agency and i was able to get them to remove it BUT THEN XXXX XXXX got a hold of it in XXXX and i can not get them to remove this and they put a new open date as XXXX XXXX I have file 2 FTC Report, this one is the is the most resent # is XXXX And Still nothing Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023, I was purchasing a refrigerator over the phone through LOWES XXXX XXXX using my LOWES credit card. I have possessed a credit card with LOWES for approximately 8 years and have never been late making a payment and many times paying my full balance off. I have an exemplary credit file with no late payments ever made. Although I had adequate credit available to make the purchase, the purchase was declined and I contacted LOWES at XXXX to investigate why. I was given an obscure excuse that the credit bureau is making them verify my identity. They completed the two-step authentification process by sending me a link via my phone number which has been on file, and to scan my driver 's license front and back which I did. I read the code back to the male representative upon completion of the process. The phone number XXXX is what LOWES used in this process. They went a step further and scanned my face with artificial intelligence without any disclosure or consent on my credit contract to such acts. The purchase was still denied and my account was closed. It appears to be an act of XXXX profiling because the two-step authentification process was sufficient to validate my identity. I am further concerned about what are they doing with my facial profile with third parties or selling my facial profile. Please investigate accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
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: Related to case : XXXX Venmo/Synchony is lying and giving false information to CFPB. They billed me XXXX times for this charge, and only credited me twice. Therefore, they have billed me for something that was a fraudulent charge. I have called XXXX times to discuss this with Synchony/Venmo. They also DELETED all copies of the messages ( but I have proof since I screenshot them all ). I asked for them to tell me why this happened and it is always " escalated to corporate '' but it has been that way for years. I was rebilled this charge WITH NO INVESTIGATION DONE BY THEM which breaks their T+C. I legally demand a credit of this amount, and I also demand an answer WHY they decided to close my card once I demanded a proper response. CFPB, please read : they closed my account when I demanded to know why they rebilled me and deleted all prior messages. I have asked if I can sue or if I need to arbitrate, and they will not answer. This company is acting illegally, and they have been taking interest payments for invalid charges that they refused to investigate, have closed my account over when I try to find out why, and have harassed me since. CFPB is called the XXXX XXXX. I need protection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
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: Regarding the update of case number XXXX : " YOUR COMPLAINT XXXX is a scam small company by claiming everything is free shipping and free return in 30 days on their front page to seduce customers to purchase items on their websites like those big companies XXXX and XXXX and etc. I tried to cancel the items in 2 days when they are still in process they didn't allow me to cancel anymore and I went for return and then it suddenly showed up the return fee is going to be {$79.00} for drop off or {$83.00} for pick up. I called the customer service to refuse it they said there is no way I could refuse it I have to pay {$79.00} or {$83.00} for return. I tried to refuse it but the XXXX dropped the item off without my permit or signature. I called XXXX to refuse they told me there is no way I could refuse it I have to call the sender to pay them for refuse. I believe {$79.00} is the double shipping for both way I am being forced to pay double shipping to refuse the item I never signed it or accepted it. I called the PayPal credit card company for dispute they opened the file right away but didn't allow me to refuse the item I never opened it or signed it and didn't allow me to open a dispute on PayPal to refuse or return. Now I am forced to keep the unopened item and there is no way I could refuse or return without paying huge amount of shipping fee that XXXX trying to scam that is not in their description '' I was using PayPal credit synchrony bank for the purchase and filed a chargeback and they didn't allow me to file a dispute with PayPal for refusing or return. I don't want to hold the unwanted item that left at my door without my signature and I don't want to pay any shipping fee for refusal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
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 purchased a drone in 2020 on XXXX and ended up returning it. I have proof that I returned it and witness ( wife and business partner ). We returned this item valued at {$710.00}. Now, me thinking that everyone does the right thing. I never knew until three years later, I don't know if it was an accident they sent me secure messages regarding past disputes or what, but I found out I never got my money back. I opened a dispute many months ago and Paypal has not resolved it. I was working with XXXX XXXX from Paypal. I do not want to let them get away with this. {$710.00} is a lot to let someone get away with. Please help resolve this. The other problem is they are bad at record keeping. Ask them to show proof of anything over two years ago. They can't do it. I trusted my money with them and feel betrayed. Whatever their reply, we returned that item through XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The bank is Synchrony, this is the 4th credit card Ive had through them ( They seem to have taken over credit solutions from a number of smaller banks ). Synchrony Bank has caused my credit score to plummet by cutting my credit limits down to whatever the owed amount is on the card ( 29 % credit usage to 94 % usage ). Synchronys justification is that based on their computer modeling, I may miss a credit card payment one day. This is absolutely ridiculous and through searching online I see that this is a common practice even with customers with no credit utilization their accounts. Synchrony alone has caused my credit score to drop by XXXX points over the last 6 months due to their what might happen one day practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60441
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This account XXXX sound, was in good standing, there were no issues of late payments or anything else. Synchrony decided to close the account without any notice, or any reason to such. I was counting on that account for my work. It was a very important account for the type of work I do, XXXX engineering.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been contacting the company for a signed affidavit for months now that is required to file a police report and no one seems to be helping me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I asked synchrony bank to delete my information from their computer programs since my account has been closed for several years. they refused and said that they are not allowed to remove any account information for 10 years as per their policy they are keeping peoples sensitive information in a computer that anybody could hack for 10 years after theyve closed the account. I asked them to delete my information today when I spoke to XXXX and XXXX with their accounts management team and both of them told me no, their system wont let them delete accounts, only customers from California can have their information deleted I want my information deleted from the credit card company. When I ask for them to delete it it should have been deleted years ago when I paid off the balance. That should have been the end of it. there shouldve never been a problem with my husbands account with synchrony, we accidentally paid on my account because synchrony bank did not actually close my account they only made it so I dont have any credit available but all of my information is still in their system. I would like all of my information removed from their system so that nothing like this could happen again and so that nobody hacking there system can get my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: According to 12 CFR 1016.1- Purpose and scope. ( a ) Which governs the treatment of nonpublic personal information about consumers by financial institutions this company is only compliant with only 2 out of the 3 requirements under this section. They are in noncompliance of ( a ) ( 3 ) which states that they must provide a method for consumers to prevent a financial institution from disclosing NPI to non-affiliated 3 parties ( ex : consumers reporting agencies ) by opting out of that disclosure. I never received such notice that was clear an conspicuous to me being advised that I had the right to opt out of the release of my NPI. The company has verbally stated that an optout notice for their company does not exist. They refuse to put it in writing .If an optout notice does exist one has not been presented to me and to it didn't not follow the lawful guideline outlined in 12 CFR 1016.3 ( b ) Definitions ( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations. Nor did it follow the lawful guidelines below ( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information. Their website is also void of notices which is also noncompliance of ( iii ) Notices on Web sites. If you provide a notice on a Web site, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the Web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature, and relevance of the notice. They are also in noncompliance of 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice That accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than When you establish a customer relationship, except as provided in Paragraph of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic Personal information about the consumer to any nonaffiliated third party They are also in noncompliance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your Consumers that accurately explains the right to opt out under that section. The Notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal Information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt Out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to Exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant Forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case Of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes The address to which the form should be mailed ; Provide an electronic means to opt out, such as a form that can be sent Via electronic mail or a process at your Web site, if the consumer agrees to The electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt Out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means Of opting out if : ( A ) The only means of opting out is for the consumer to write his or her Own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to The initial notice is to use a check-off box that you provided with the initial Notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A