Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had a BP gas credit card which was held through XXXX XXXX It is one of the few accounts which I pay on line, and I usually send a set amount of {$100.00} a month prior to receiving the statement in the mail. From XX/XX/2022 to XX/XX/2022, I sent a total of {$550.00}, through my banks web bill pay system, to them. What I did not know was that XXXX sold the BP card to another company, the XXXX XXXX XXXX XXXX XXXX, at some point earlier in the year. I started receiving late payments ( with late charges ) from this bank in XXXX, which I considered a scam and ignored it for several months. When I finally got in touch with them, gave them bank statement proof of payments, they cancelled the charges and attempted to retrieve the {$550.00} from XXXX to no avail. I phoned and tried to contact XXXX multiple times and eventually sent them a certified letter of demand for the return of the overpayments. I have still not heard from them and I hope that you can help me resolve this issue quickly, or guide me in a way of taking legal action against them. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hard Inquiry is still appearing and in XXXX, it will be listed for 3 years. I called and asked the company to remove the hard inquiry and I was disconnected. I called back and was put on hold for over XXXX minutes. Company that has not removed the hard inquiry is SYNCB/AMAZON XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I had applied for an XXXX credit card on XX/XX/21. Not only was I rejected from getting " guaranteed approval, '' but it is still fraudulently on my credit report. I have been able to get XXXX other credit cards since and my credit is in XXXX standing at XXXX and XXXX from the XXXX reports via XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is Syncrony bank and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When I purchased furniture from Ashleys XXXX XXXX in XXXX Mississippi on XX/XX/2022, the store clerk incorrectly entered my information from my paperwork and instead put the details for my mother, XXXX XXXX ( not XXXX XXXX as her account information shows ) who already had an Ashleys account and bought something the same day. I noticed the error and asked the clerk to correct the details. Somehow, the error remained, and it has caused a massive amount of trouble for me and her. The furniture was not delivered for several weeks until XX/XX/XXXX, because the delivery address was to my mothers home in XXXX, Mississippi and not my own in XXXX, Mississippi, and the contact number was her cell phone instead of my own. I called Ashleys to discuss the correct delivery address and they were unable to fix it. I offered to pick it up from the store instead and they were unable to change the delivery method. I suppose the person I spoke to corrected the delivery address because my mother started receiving texts asking when to deliver the furniture to my correct address, and she ( luckily for me ) filled it out so that it would be sent to my home. This issue was a multi-week stressor and I was happy to have it behind me. My mother, my spouse and I thought the sole issue was the delivery address and contact information, but that was not the case. My mother, XXXX XXXX received a credit card from Ashleys XXXX XXXX for which she did not apply. We realized that her information must have been used instead of mine for the purchase, despite my correction at the store. I called the Ashleys store and was told they could not help ; I called XXXX XXXX and was told they did not hold my account ; I spoke with someone at Synchrony who said that it was her name and contact information with my social security number, they could not fix the problem over the phone, and I would have to send a letter to Synchrony explaining the issue. I immediately sent such a letter. I tried to pay the minimum fee online but was unable to because I did not have the account number, because the only documentation I had was from the store on the day of the purchase. I eventually, in XXXX, received a bill with the account number and was able to pay the first balance, with accrued late fees. wrote two letters to Synchrony explaining the issue. The first received a nonresponsive letter and I received no response from the second. I sent them copies of the sales order, delivery ticket, letter from Customer Service Department, and credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 at approximately XXXX XXXX I received a notice from XXXX XXXX stating that my Lowes card through synchrony bank was closed. I did not close this account. I called synchrony bank and was told they randomly checked my credit on XX/XX/XXXX and decided my credit score wasnt high enough to their standards, and closed my account, which is in good standing, and Ive never made one late payment to them. This is unfair business practice, and they did not have my permission to run my credit on XX/XX/XXXX. Now this closed account is going to affect my overall credit score. This is unacceptable and I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX XXXX paid XXXX XXXX paid off, XX/XX/XXXX, XXXX paid off, XX/XX/XXXX Closed paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Care Credit which is finance by Synchrony Bank has ruined my credit by reporting a late payment for the month of XX/XX/XXXX. I have worked very hard to maintain good credit and this situation has caused me so much stress and sleepless nights. I have been in an on going battle with this company in regards to settling my account since becoming unemployed. I opened my account in XX/XX/XXXX at which time I signed up for their card Security program, which is advertised as a source of protection in the event you become unemployed or disable. The monthly fee for this program was {$230.00}, this fee is a percentage of the daily balance. I paid this fee and my minimum payment every month on time for over a XXXX years. Unfortunately, due to the effects of covid the company I worked for experienced serious financial hardship and laid me off. I contacted Card Security to inform them and to initiate a benefit claim. My minimum payment was paid for 3 months then all payments stopped. I was sent a letter stating that I had not submitted the requested documents needed to further review my claim. I called and spoke with a rep to explain that I did submit the documents by uploading them to their online portal. The rep stated that their portal was down and could not verify if my documents were received. The portal was down for over 3 weeks at which time I was told that I would need to resubmit the docs again. This went on for several months. I have submitted all documents and they keep giving me the runaround. They took my money for a over 2 years and at a time when I really needed assistance, I was denied and given 1000 excuses.. I have spent countless hours on the phone with a rep or on hold trying to resolve this matter to no avail. During this time, I've had to make my monthly payments while being unemployed. I received a letter in XX/XX/XXXX, stating that a payment had been made in the amount of {$700.00}, which did not satisfy my balance. When I called in to inquire why, I was told that my benefit was approved for " reduction in work hours '' and not for unemployment. I requested that my case be escalated to a manger and to this day I still haven't received a response or a call back. I have been charged with ridiculous interest fees. I need the late payment for XXXX removed immediately. My credit score has dropped over XXXX points. All my other creditors show that all my payments are on time. I need this corrected asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A