Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: You are in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 802. A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section & : Il also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1866B : A creditor may not troat a payment on a crodit card account under an open-and consumer crodit plan as late for any purposo. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: Synchrony bank. They claim I have credit cards for jcpenny, XXXX XXXX, rooms to go. I asked for confirmation of debt. I said let me refresh your memory. A confirmation of debt is all the wet signatures of all transactions. They sent me a bill what you call a statement. That is not a confirmation of debt. Lets see if I understand. You sold the debt to a debt collector for profit. Then you wrote this debt off. I must be confused. This is double payments. Sounds like fraud to me. Why do you spell my name in all caps XXXX XXXX which means dead person or corpation spellings. I am not a dead person. I sent you my fee schedule that states closing a account is a fine of {>= $1,000,000} per occurrence. I, XXXX, XXXX to said principle XXXX XXXX XXXX hereby accept all titles, rights, and interests owed to principle XXXX XXXX XXXX, I hereby instruct ceo of this account to apply the principle balance to said accounts in every billing cycle, if these instructions can not be honored. Please respond through postal mail giving details of none acceptances, if you do not send anything back it stands that you have accepted my offer and moving forward als. Apply the above instructions. By : XXXX, XXXX Without recourse ucc 1-308 I, XXXX XXXX : XXXX ; Authorized representative XXXX am sending the coupon of the accused summary to synchrony bank as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc3-104. I noticed that you have sent me these coupons and ask me to remit another check or money order and then you have redeemed both. That is double dipping of course and is illegal. I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment per ucc3-603 ( b ). If tender of payment of obligation to pay an instrument is made by a person entitled to enforce the instrument and the tender is refused, there of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. Here are some definitions to clarify what I am talking about just to refresh State statues if you need a refresher. A billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due and other vital information. Billing statements are issued monthly. Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, exptmressed as a percentage of face value and paid from the issue date and paid until maturity. Bond bearer : a negotiable instrument payable to the holder. Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods or services. Sincerely and without Ill will, : XXXX XXXX XXXX, beneficiary and authorized representative All rights reserved without prejudice, without recourse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Multiple credit inquiries for duplicate companies Address and name is not accurate old addresses keep reappearing
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Its a wrong information on my credit and its damaging my credit and I want it gone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I made a previous complaint about another matter with the CFPB in regards to a payment issue with this same account. This complaint provides additional evidence that the company did not take the action they told the CFPB they would take and instead closed my account with a negative remark impacting my credit and potential borrowing power in the future. This puts in risk my ability to obtain a mortgage in the future. I have attached a letter for the credit company stating they closed my account due to dishonored payments ( it was XXXX that was the subject of my previous complaint ) this letter is dated the XXXX. The company responded to XXXX on the XXXX with the full knowledge that they would close my account and report a negative closure but excluded that from the response letter they submitted to the CFPB. I have attached both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44144
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: On XX/XX/2023, I had learned through my statements that I was being charged 1.6 % of my balance for " Card Security '' payments that I did not register for. The charges include {$0.00} on XX/XX/2023. {$8.00} on XXXX XXXX. {$4.00} on XX/XX/2023. {$26.00} on XXXX XXXX. {$22.00} on XX/XX/XXXX, XXXX and {$19.00} on XXXX XXXX. My statements do not allow me to see if I was charged before 2023. I contacted Synchrony Bank and was told that these payments are for an " XXXX XXXX XXXX '' feature that was added to my account through an automatic server. I asked them to rectify and reimburse the money taken from my account without my knowledge and was told I had to contact the security company directly to attempt to fix these charges. Please understand that the issue is not the jumping through hoops and extra inconveniencing phone calls that need to be made to fix this- The problem is that Synchrony Bank XXXX adding optional features to people 's accounts automatically without the contracted user being notified, in hopes they don't recognize it and can continue to be charged for X amount of time ( and yes, I check all of my online messages if I receive XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: My complaint is with Synchrony Bank. I have been harassed by early morning calls and calls 7 days a week including at XXXX XXXX today. It's well more than 7 calls in a 7 day period. I have blocked the number at this point to try to stop the harassment but I still get woken up frequently by the voicemail notifications. I was called literally every day from XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, etc. They have been doing this for at least 3 years. XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX I can provide a LOT more including other violations of the 7 calls in 7 days rule.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up auto pay on my account. The account was paid in full, but they still took out the auto pay payment, even though there was no payment due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am filing a complaint against Synchrony Bank in which my savings account had been restricted as I could not do any type of transactions since 2 or 3 weeks already. My savings account number is XXXX. I have attempted many times by calling and also sent online messages asking why my account was restricted and asked to transfer all funds to my external account with XXXX XXXX via ETF. No customer rep would tell me the reason why I was not allowed to withdraw money because of this unfair restriction practice of Synchrony bank. Today, I was told by the rep 's supervisor to close the account and to create a new one to get my money faster. I agreed with no choice and with my back against the wall agreed with reservations. Unfortunately, the same result ... after they closed the account the transfer of funds to the new account # XXXX wont proceed because of the restriction in the old account. So, in the end, I was not getting my hard earned savings. Even if I am receiving an email response, I was always told to call their customer service and the same results. No one would tell me why there was account restriction and the status of my request to withdraw all my savings. I need the money to be out of this bank ASAP. Thanks for your intercession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I Have reached out to XXXX XXXX, phone and mail over a 100 times and get no where I have told them multiple times all the inquires the I have attached are fraud I have sent police reports, FTC reports even a Fraud Victim complaint form and got it notarized, I even sent the letters from SYNCB because they act like they never received it from SYNCB and I know for a fact they did the proof is here. Ihavecontacted each creditor and they have asked met oreach out to XXXX personally to have these fraudulent inquires removed from my credit report anblocked Iwill List them below Sync/XXXX XXXXXX/XX/2022, Sync/ TJXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are all fraudulent inquires and I want them removed as they are violating my Fair Credit Act Laws 15 U.S. 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 c -2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information they results from an alleged idenity theft not later than 4 business days after the date of this receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A