Date Received: 2023-07-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In attempts to make a monthly payment, I called the company 's XXXX number to determine the total balance, date due, and monthly minimum payment. In listening to their recorded message it was discovered that the company has an incorrect telephone number connected to my account. After listening to the recorded message I hung up and called the XXXX number again revealing the same information. I called again to speak with a live representative who informed me that they were unable to provide any information on the incorrect number even after I provided my correct telephone number. I disputed the representive explaining their information was wrong. The representative was uncooperative and I explain I would contest their information regarding their information on my account. This is the second time in over 7 months that I've listened to the recorded message which reveals the same incorrect number. On each occasion the company has refused to explain why they have an incorrect telephone number connected with my account. I called the XXXX which revealed the number was unallocated. I've had issues with XXXX 's in the past in keeping accurate records of my XXXX account which caused me to contact their corporate offices. In the previous two events, XXXX 's has overcharged my account either in record keeping or at the customer service desk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 I made payments to Sams Club ( Synchrony Bank ) for my credit card. However I started receiving messages about auto paying on the account. I never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments. The website automatically created auto payments when I did not request it causing my account to show that my auto payments failed to an account that was no longer mines. I called the bank to request reinstatement of my account. The agent tried and then advised me to write to the general box. I have written to the company and still have not received a response but I still have been making payments to the account. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is an addendum to complaint ID XXXX. As I stated previously, this bank will block my access to two of my accounts that they closed. Just an FYI, they decided to close my Lowes account using same bogus reasons even though its been about a year since my last purchase on my card. Anyway, I made a {$100.00} payment on my XXXX XXXX XXXX card on XXXX and it stated a balance of {$370.00}, which would make my balance {$270.00}. When I logged in today to pay the balance off, it stated a balance of {$300.00}. Explain to me how my balance went from {$370.00} to {$300.00} with a payment of {$100.00} in three weeks time? My next payment was due the XXXX of XXXX. After my payment was made this time I logged out and then decided to log back in to take a photo as proof of what the account said. True to form I was not able to get back into either of the credit card accounts they originally closed. When I logged into the Synchrony Account Manager it took me to the Lowes account log in where, once I logged in it took me to all three accounts and I made the payment. When I logged back in to take photo evidence I could only see the Lowes account balance etc since they closed that account also. Can someone explain why my access was denied again? Photos will be provided of what I am saying. When looking at the photos you can see the tab is labeled Synchrony Account Manager, not just Lowes so they can not say I was not logged in correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43160
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX without my knowledge or permission made unauthorized purchases on my Amazon Store card using my Amazon Prime Video account. The total sum of the purchases is, {$1000.00}. These purchases were made on XX/XX/2023 & XX/XX/2023. XXXX then sent me a text messages stated he made the purchases, taunting me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to my Venmo Credit card on XX/XX/23 as an ACH from my personal checking account. The payment was cleared and taken out of my account as of XX/XX/23. The payment is confirmed and cleared on both Venmo and my bank. I called Venmo wondering why my payment had been fully processed but my payment was not reflecting on my credit card. I was first told that my payment was in holding and wouldnt be issued until XX/XX/23, and then was told XX/XX/23. I was told that payment can be held up to 15 days then they told me 21 days in the event of cancelled payment. This supervisor told me I could apply for more credit if I wanted to. So youre telling me that if I applied for more credit which would result in a hit on my credit report, you can add those funds but not the money that I sent you? Well I spoke to my bank and said that once they send that payment there is no way for it to be cancelled or retrieved. They also stated that there was no issue with the payment I sent and it was sent over and processed fully on their end. I have searched the Venmo credit card user agreement and payment information and have found no evidence of this information in the user agreement. There is no valid reason for my money to have been held from being posted to my credit line. I was also told that because my account was not 6 months old this was also another reason my payment was being held. I verified that I have had at least 6 months of billing statements from Venmo Credit card which would make their statement of my account not being 6 months old, incorrect. I have now closed the account with Venmo due to how rude and unhelpful they were. Under XXXX agreement it states that if a payment is being held that under the me tab I would see on hold next to my payment.there is nothing that says on hold. It also states that while this money is on hold that this money still belongs to me. I asked for the payment to be sent back to my bank and Venmo told that was not something they could do. So if while this transaction is still in hold and this money is still mine according to their user agreement, that money is still mine and they have no reason to not send it back. Also under the user agree it states that I would receive an email if my money was being held, I received no such email. When I asked to have a copy of the user agreement that I signed emailed to me, I was told there was no way for that to be emailed to me, even though everything else is sent through email from Venmo. I was told I was not getting my money and everything was computer generated so there was nothing a human could do to override it and make my money available. After speaking with XXXX supervisors, I asked to speak to their supervisor. I was told that was not going to happen and there was no one else.? There is always a supervisor to a supervisor. There is always someone else to talk to. I have worked for customer service for XXXX years. There is always a boss to a boss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Since XX/XX/2023, I have noticed an account on my credit report for the amount of XXXX that I have not requested, on a Synchbank credit card. Make a complaint and the company indicates that everything is correct. I see that they used my name irregularly for this transaction by the bank. I requested the cancellation of the debt in writing in my credit report since it does not belong to me nor have I requested it and as of today, XX/XX/2023, I have not received a response to the cancellation request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32607
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: 2023-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraudulent Syncb/ PayPal SYNCB/PAYPAL XXXX XXXX XXXX XXXX, XXXX XXXX inquiry on my credit report that I did not authorize date inquiry appeared XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A