Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry on my XXXX XXXX report from XXXX which I did not authorize. When I attempt to dispute the inquiry on the transunion website all I get in a continual loop that keeps sending me back to the original place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 795XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge online
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: Called XXXX on XX/XX/2023 to report accounts that were closed over 10 years, requested the account to be removed. On XX/XX/2023 they updated the account for another 10 years which means this closed account will be on my report for a total of 20 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The information the are reporting is old and not correct. They investigated and was not able to provide accurate information. I want this deleted as its affecting my credit report and score. This was a jet ski account that they sent me the title too and I sold and they are showing I still owe money. I want this account deleted as if I owed them money I would have never got the title to the vehicle. Every time they give me a different amount that I owe and was deleted off one credit bureau not the other ones. Please delete the account from my report
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: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. this debt collector has violated the Debt Collection Rule12 CFR 1006.14 ( b ) ( 2 ) ( ii ). They have called a total frequency of 13 times in a 7 day calendar period. 6 times over the rule.
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: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX has told me when I opened the account I will receive XXXX bonus upon spending XXXX when opening account in first 90 days an it should be applied shortly after XXXX spend is complete. While calling to check up I was told several times that it takes XXXX months to apply. It has been well over a year from the day I opened the account and the spend of XXXX was made, Now simply they tell me to wait XXXX more days when ever I call. Even in the Venmo secure message they acknowledge i should be getting the XXXX bonus as a note is on my account but still venmo refuses to actually honor the offer i was given and provide the XXXX spend bonus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: JCP account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: PayPal closed my credit account with Synchrony Bank. I didn't reach the credit limit but I missed one payment on XX/XX/2023 due to a change of my checking account. I paid the missing payment of {$200.00} and the fee of {$48.00} 10 days later. I am not able to reach a PayPal representative on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My issue is with Synchrony Bank and their Amazon card. They offer a deferred balance option on large purchases so I decided to try it on top of my regular use of the card for regular purchases which I pay off at the end of each month. I looked into the terms prior to agreeing to deferred interest and in their terms it says I am able to pay off my regular balance in addition to the deferred interest balance each month. After making a large purchase with deferred interest I looked at the following months statement, as there was nowhere in the banks application to choose which balance to pay. Clearly in their monthly statement it says that I have to call customer service to choose which balance to apply the payment to- something that is not in their terms for the deferred interest promotion. So I called and customer service took a payment for the interest bearing balance as I requested, I then received a few days later, a notice saying that the payment could not be applied as requested ( after they took the money from my account and in a recorded call confirmed I was paying of the interest bearing balance ) and that it would all be applied to the interest differed balance first. I called customer service again and they assured me that letter meant nothing and that I would have no interest on my next billing cycle. When the next billing cycle happened, I saw an interest charge and called again. Again I was assured this was removed and it wouldnt happen again going forward, now I receive the same letter in my emails saying the payment is not going where I asked and they confirmed it was going. I feel like this is a very clear act on the banks part to defraud its customers and trick them into paying interest without being able to pay the balance off. It is in violation of everything they have said in recorded called, in their terms of service and clearly written in their billing statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry Fraud from Synchrony- TJX to XXXX XXXX. XXXX Reference # XXXX Reference processed code # XXXXXX/XX/ & XX/XX/XXXX I, XXXX XXXX XXXX XXXX ( DOB XX/XX/XXXX ) sent a letter and called Synchrony- TJX bank on XX/XX/1XXXX andXX/XX/ in regards to a fraudulent billing inquiry. I informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus. However, XXXX is requesting a copy of this report so they can remove this fraud inquiry from my account. I then followed up with Synchrony and asked them to send me proof that they did send a report to transunion on XX/XX/XXXX and they asked me to send a letter to the fraud department. I never received any evidence so I called both XXXX and Synchrony bank today XX/XX/XXXX. Both have provided no results and have done nothing to remove this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A