Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 I opened 2 Synchrony savings accounts. XX/XX/23 I transferred out some $ from 1 of my accounts as I needed it for bills. XX/XX/23 I successfully received my $ to the checking account I use for bills. XX/XX/23 My Synchrony bank account was essentially frozen - because I transferred out $ not long after opening the account. I called and confirmed it was actually my account and requested they unfreeze it in case I need my funds. They told me theyd put in the request and it would be available within 48 hours. XX/XX/23 I checked back and it was in fact still frozen. Since then I have called At least XXXX more times and spoken to 2 supervisors all of which tell me they will put in a request to get it unfrozen within 2-3 business days but that they cant confirm and it never is. They said it could take up to 60 days to review my account even though Ive numerous times confirmed it was not fraud and they just keep giving me the run around. Its been frozen for about 3 weeks and everytime I call they never have any other info aside from its being reviewed and to check back in 2-3 days. I am now low on cash and need to access my savings in order to pay bills. They essentially have frozen my account with no end in sight for little to no reason at all. Ridiculous how they can do this for this long. Please help, thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I get repeated emails to XXXX, my secondary email address. This is todays but they come 2-3x per week : " Let 's talk solutions Hi XXXX, Your Sam 's Club Mastercard account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. Current Balance Total Minimum Payment Due Due Date {$110.00} {$31.00} XX/XX/2023 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.XXXX XXXX Weekends XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. This is an unmonitored email box. Please do not reply to this email. We respect your privacy. Click here to read our Privacy Policy. XXXX Synchrony Bank XXXX XXXX " but these provide no quick or easy way to contact the bank to draw their attention to the fact that I am NOT XXXX XXXX ( nor is any member of my family ) and I deeply resent that THEIR error is pushing costs off on to me. They should be required to maintain a WWW site/email account where these issues are easily addressed -- especially as they are using electronic means to contact me. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, SYNCB/LOWES, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Synchrony Bank Lowes Store Credit Card fraudulently reduced my available credit on the credit card ending in XXXX. They claim it was due to a recent review of my account. It was lowered to {$4400.00} which is what the balance due was currently at. I have had this credit card for many years and I am a credit worthy applicant. This is adverse action and I have not received detailed information on the reasons why Synchrony bank has done this which is against the law because I have the right to credit. I have always paid my balances due f and do not consent to this adverse action. I have sent a notice to Synchrony Bank about this and received no response from them regarding this issue. I have continued to faithfully pay my alleged debt owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account a few months ago with Synchrony bank. I added an account at another bank for transfers and on XX/XX/XXXX attempted to transfer $ XXXX from XXXX XXXX XXXX to Synchrony. Account was frozen and has been under review. Called on XXXX and XX/XX/12. They tell me my $ XXXX is unavailable to me, that they dont know when it will be reviewed and dont know when I can expect communication back. No communication has been available and even when I escalated the call, they said it could be any amount of time. This is unacceptable. I did everything right and am getting no answers and all my money is tied up indefinitely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a XXXX XXXX by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX l
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Back in XX/XX/XXXX, some XXXX stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XX/XX/XXXX. It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony , and XXXX XXXX XXXX XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX, I am not in collections. I don't know what to do to resolve this. This was the exact copy and past from my previous complaint, # XXXX. Here is the new information. Instead of Paypal/Synchrony trying to work with me, they have decided to sue me. They are using XXXX XXXX XXXX XXXX XXXX XXXX from XXXX NC. Fee 's and interest have not changed, nor can I get a person from Paypal/Synchrony to contact me through email, because my phone is off. The dozens of people I've spoken with, I've told to contact me through email, and they still don't listen. This is outrageous. What am I supposed to do? This debt is partially on them, they allowed someone else to use my account, and to change the information there, preventing me from being able to simply access my account. I want to pay my bill, for what I owe. It wont be a lump sum, it will be monthly, as I continue to get out of debt from some XXXX stealing my identity. I would think allowing me access to my accounts, to pay them down, would be a better option than suing me, but I guess big business would rather XXXX people than do whats right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A