Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( XXXX ) to XXXX XXXX XXXX ( XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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've been a member of SAMS CLUBXXXXSynchrony Bank for years, think the most I have ever owed was last fall 2022 of was {$270.00}. Paid that off.. After that maybe {$100.00}. I was in the store the other day and tried using {$37.00}, It was denied. After calling the bank they said my credit was lowered. I pay with my XXXX XXXX XXXX, After my personal investigation SAMS CLUB/Synchrony Bank XXXXs claiming my XXXXXXXX sore XXXX XXXX -ish. Im on XXXX XXXX now and it was just updated to XXXX XXXX. I can not get a live person, I can not get a person who speaks decent English, I can not solve this. This is false information and out of the country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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: Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. XXXX, account number, XXXX, inaccurate amount shown on the credit report. XXXX account number : XXXX, inaccurate amount shown on the credit report. XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. XXXX XXXX, inaccurate amount shown on the credit report. XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. XXXX XXXX Account closed company stop reporting and no longer in operation. XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. 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 instruction. 15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. I look forward to a prompt resolution of this matter. Thank you for your assistance. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: All information is Incorrect information causing my score to be low. Also reporting old items repeatedly and credit and inquiries that I didn't consent too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A credit card for XXXX XXXX XXXX, through Synchrony Bank, continues to not send me paper statements, even though I have not signed up for paperless statements. I know this because Synchrony seems to be the only bank that denies customers the right to view a pdf file of their statement unless they sign up for " eStatements ''. I have sent multiple internal messages to Synchrony trying to resolve this problem. I have not received paper statements for four months, nor can I reprint a statement. Internal responses to my messages claim that there is a " temporary hold '' on my account, for an unknown reason. There have been no other attempted purchases on this account by me or any members of my family. This account also has a deferred interest plan, so if I miss a payment, or do not pay the balance off on time, they will charge me interest. I feel like this is an ongoing attempt by Synchrony for us to miss a payment and charge us fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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: On XXXX XXXX, XXXX, I attempted to purchase a {$4200.00} mattress from a retailer that agreed to deliver it within 2-3 weeks, customize over three months, and exchange it for store credit if I wasnt satisfied. The retailer documented these promises in writing and signed me up for a store credit card to make this purchase. The credit card is with Synchrony Bank, and this is the only time I have ever tried to use the card. When the mattress wasnt delivered, I began calling and texting the retailer to find out where it was. They didnt respond but posted signs in their store window saying they were closing the store and selling off inventory. I disputed the charge on XXXX XXXX, XXXX, on the basis that the retailer had not delivered the mattress, was not returning calls and texts, and had not communicated with me about delays. Synchrony notified the retailer of the dispute on XXXX XXXX, XXXX, prompting the retailer to order the mattress from the manufacturer the same day. This was too late. I had already made other arrangements for a mattress because they had not informed me they were going out of business and hadnt responded to my calls and texts. Per my contract with Synchrony, they were supposed to do an investigation of my dispute. I gave Synchrony proof that the retailer had misled me about the mattress and the terms of the sale and had not delivered it or responded to my inquiries for over a month. Synchrony denied my dispute. They sent me a printout of text messages that the retailer supposedly sent me telling me about the delay. These were forgeries. The retailer never texted me until after I had submitted my dispute. I sent Synchrony copies of records from my cellular service provider that showed every text message my phone received, clearly demonstrating the texts from the retailer were forged. But Synchrony has continued to deny my dispute. I have exchanged multiple letters with Synchrony and provided ample evidence supporting my position. Even with proof that the retailer submitted forged documents and fictionalized all aspects of the transaction, Synchrony has decided in the retailers favor more than four times. Multiple times, Synchrony closed the dispute without seeking or waiting for information they knew I was submitting. In one instance ( XXXX XXXX, XXXX ), a Synchrony representative actively discouraged me from sending in information to counter the merchants claims. Later, Synchrony forwarded to the retailer the evidence I had submitted proving they misrepresented all major facets of the sale including the product, the promised delivery date, the customization process, the return policy, and their communications with me for their response. Unable to counter it, the retailer told Synchrony they delivered the mattress. This was not true. Synchrony accepted this and closed the dispute without seeking my response. When notified theyd closed the dispute, I explained to a Synchrony supervisor that I not only didnt have the mattress, I could also prove it because I live in a building with 24/7 security. The supervisor said he, too, was surprised such a claim had been allowed because the retailer had provided no proof of delivery. He re-opened the dispute, but the matter was again decided in the merchants favor this time without any notice as to why. I just got an email saying payment was due. To date, I have received no indication that Synchrony has considered any of the information I sent. I am attaching all the letters and documents I sent to them over several months in an attempt to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: See CFPB Complaint XX/XX/23. The attached files all show how I was able to deduce the main gist of this complaint. That credit reporting agencies ( CRAs ), and sometimes Credit furnishers ( CFs ), and some collections agencies grossly abuse their status and position in their perspective industries by manipulating individuals credit reports with either outdated, incorrect, or sometimes manufactured information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 was billed {$400.00} by PayPal Credit Services for services to be provided by an airline. The flights were canceled. Passengers were put on another company flight. The connection was missed due to a late starting flight. They did arrive late to a flight in a different state but the luggage was lost and recovered some time after. A claim was made for compensation to the airline without sucess. The charges were for upgrade seats and luggage which were not provided. A timely dispute was filed with the credit card company by mail and was acknowledged on XX/XX/23. Since then the credit card company deleted the charges from the original card but opened another account and transferred the charges to a new account number. I asked to close the credit account but they will not close the credit account. They refuse to send statements by mail stating they had mail was undeliverable to me. The credit card company is charging late fees, and interest, and making calls attempting to collect the debt. They have debited minimum payments from my bank account without permission. They claim that they need 60 days to process the complaint. This time has elapsed as it is almost 90 days since the complaint was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of Identity Theft. I have called Synchrony Bank/ PayPal Credit multiple times after I received a summons to appear at small claims court, on XX/XX/2023, for a debt in the amount of {$2700.00} as well as a court filing fee of {$120.00}. I have repeatedly told them I never opened an account with them and that this is all fraud but each time I was ignored and even treated with hostility at times. Most told me that there is nothing they can do and I will just have to pay a debt, I do not owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Sam 's Club Mastercard. I received an off and excepted. I had not really used the card. Within the last 8-12 I have utilized the card. My card is on auto pay and I couldnt understand how I was always over my limit. I called and was told I am being charged for a card protection plan. I never agreed to this charge. I called and told them to cancel this. I was just charged again. I contacted synchrony who issues the card. They said they couldnt do anything and I would need to contact this company. I feel this is some type of scam that they use. I have been paying this fee for I dont know how long and I want my money returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A