Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open XXXX from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a very toxic, XXXX marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a very toxic, XXXX marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a very toxic, XXXX marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, My Sams Club/Synchrony Bank credit card was frauded on the dates of XXXX XXXX for amounts upward of {$20000.00}. Synchrony Bank is refusing to refund these charges. I was never notified of these charges until I went to make a payment on the account and saw then all the charges. That was on the XXXX of XX/XX/2023. It has been since XX/XX/2023 that there has still been no resolution. My credit score has taken a HUGE hit for this outrageous balance now on this account. I have provided as much information as I could to Synchrony bank and still have no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good day. In XXXX of XXXX, my husband and I ( we, us ) gave authorization to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, to settle our unsecured debts on our behalf. The written agreement between us and XXXX displayed a listing of all our unsecured debts, which included an account for a PayPal credit card ending in # XXXX. My records show the amount I owed on the referenced PayPal credit card at that time was approximately {$1500.00}. On XX/XX/XXXX, XXXX came to an agreement with PayPal to settle the PayPal account ending in # XXXX for the amount of {$780.00}, payable in six monthly payments of {$130.00}, which were satisfied as follows : 1 XX/XX/XXXX - {$130.00} ; 2 XX/XX/XXXX - {$130.00} ; 3 XX/XX/XXXX - {$130.00} ; 4 XX/XX/XXXX - {$130.00} ; 5 XX/XX/XXXX - {$130.00} ; 6 XX/XX/XXXX - {$130.00}. Total - {$780.00}. Thus, XXXX notified me that, as of XX/XX/XXXX, the referenced PayPal account was settled in full. Enclosed please find a copy of the ACH Confirmation for the payment made in XX/XX/XXXX to settle the PayPal account ending in # XXXX, which shows an effective settlement date of XX/XX/XXXX. Unfortunately, without my knowledge, about one year later, a collection agency named XXXX XXXX XXXX claimed I owed {$780.00} to PayPal for a PayPal account ending in # XXXX. I never received any notification, by phone, mail, email, or by any other means, of such an account. This was a fake account, and therefore it was not included in the listing of unsecured debts on the written agreement between us and XXXX. Additionally, please note that XXXX XXXX XXXX claimed I owed {$780.00} for the PayPal account ending in # XXXX, which, suspiciously, matches exactly the amount the PayPal account ending in # XXXX was settled for. However, XXXX believed the PayPal account ending in # XXXX was valid and as such, on XX/XX/XXXX, without my knowledge, they came to an agreement with XXXX XXXX XXXX to settle the debt of {$780.00} for {$380.00}. On that same date, XX/XX/XXXX, a payment of {$380.00} was paid to XXXX XXXX XXXX, utilizing the funds that my husband and I had paid to utilize for the settlement of our unsecured debts. XXXX has always been fair to us and I am convinced when they settled the disputed debt, they acted in good faith, believing it was valid. Because we had many unsecured debts and they were handled by a variety of collection agencies and attorney firms, it was difficult to figure out who handled each one of the debts. Furthermore, I experienced difficulty sorting out the settlement records, as the majority of them only provided the name of the collection agency or attorney firm and the settlement amount, without mentioning who the original creditor was or the amount of the original debt owed. Also, at the time I was working extended hours and couldnt dedicate as much time as I wished to reviewing the settlement records. As a result, it took me a while to figure out which debt was which, when it was settled, etc. Eventually, I was able to sort it all out, and thats when I noticed that there was a debt listed in the settlement records i.e., the debt claimed by XXXX XXXX XXXX, that didnt match any of our unsecured debts. Thus, I contacted XXXX and, after a review of their records, XXXX told me the amount of {$380.00} paid to XXXX XXXX XXXX in XX/XX/XXXX was for a PayPal account ending in # XXXX allegedly owed by me. I explained to XXXX that I only had one PayPal account i.e., the PayPal account ending in # XXXX, which was settled in full in XXXX of XXXX. XXXX investigated the matter and eventually, they tried to fix the problem by sending a request for validation of debt to XXXX XXXX XXXX on my behalf, which they did, in XX/XX/XXXX. However, neither myself nor XXXX ever received any validation of debt from XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX directly by sending them a letter explaining the matter. A few weeks later, I received a call from XXXX XXXX XXXX. They told me the PayPal account ending in # XXXX was a Synchrony Bank account and therefore, I must contact Synchrony Bank for any inquiries or disputes concerning that debt. On XX/XX/XXXX, I sent a letter to Synchrony Bank providing a detailed explanation of the situation and demanding a refund of the {$380.00} paid by XXXX on my behalf on XX/XX/XXXX, since, as explained above, the PayPal account ending in # XXXX was not a valid account. In my letter to Synchrony Bank, I requested that, if they were unwilling to refund the {$380.00} paid on XX/XX/XXXX, for the PayPal account ending in # XXXX, they must provide validation of debt for such account, as established by the FDCPA and the FCRA. On XX/XX/XXXX, I received the attached response from Synchrony Bank. In it, they state they will not change the credit reporting for the account ending in # XXXX. However, my letter to Synchrony Bank was not a credit dispute. In fact, I didnt even mention anything about credit reporting of this account or any other accounts. As explained above, my letter to Synchrony Bank was just a request to receive either a refund of the amount paid for the inexistent account, or proper validation of debt. In their response, which appears to be a form letter, Synchrony Bank : 1 Did not address any of the concerns raised in my letter to them. 2 Falsely state that I have indicated I believe they reported inaccurate information about my account to a credit reporting agency when, in fact, I did not mention anything about credit reporting in my letter. 3 Do not provide validation of debt which they can not do, because it was an inexistent account. As Synchrony Bank has not provided an appropriate response to my complaint, I appeal to you to assist me in getting it resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I currently have an account with Synchrony Bank, which includes an online savings account and two CDs. The issue is gaining access to the Secure Inbox on my account. There are currently seven ( 7 ) unread messages but I can't get to any of them, and keep seeing an error message stating " something went wrong ; try again ''. We have already determined that this is NOT something on my end. I've tried multiple computers, browsers, and android apps on various devices. There is a problem on their end and they can't seem to fix it. This has been going on for months. I've been trying to be patient but this is beyond ridiculous. I can't get any messages that would warn me about any potential problems with my account, fees, fraud, etc., because I can't read the content on any of these messages. This has been going on since at least XXXX of 2023 and there still is no resolution. And they refuse to alert me in any other way because I have told them very clearly that I am UNABLE to access the Secure Inbox online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The debt is from XXXX with the credit card company called Synchorny Bank. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A