Date Received: 2023-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have been a customer of Amazon.com for over two decades. I had always used my own credit card. I was recently offered an Amazon Credit card via Synchrony Bank with a promise of a " SOFT ENQUIRY ''. I accepted the offer assuming it was a Soft Enquiry. However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score. I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: was a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony Bank lowered my {$3800.00} limit to {$380.00} without any reason and without my knowledge. I had a {$3000.00} balance paid {$2900.00} on time and when I chafe something else I had a balance of {$360.00} I get a notification from the XXXX saying my credit utilization on one of my cards is extremely high. This is how I found out my limit was decreased. Then I looked and they done the same thing with my JCPenney account. Decreased that limit from {$1200.00} to {$170.00}. I never have been late I always pay what I use. Its wrong to do your cardholders like that. That makes the consumer credit score take a major hit. When I called the lady said they go and review peoples credit. So are they doing unauthorized credit checks? How do they know what other credit I have? If they had a problem with the other credit I have they wouldnt have issued me credit when they initially pulled my credit. So they must be doing unauthorized credit checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82007
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Somebody opened an Amazon Store Card in my name and has been charging it and billing it to my address. On XX/XX/XXXX I received a bill and was made aware that this was occurring.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The bed in question purchased at Mattress Firm on XX/XX/2022, and financed through Synchrony Bank was for my daughter. She passed away on her bed on XX/XX/2022 and the mattress had to be removed. With all that needed to be done after her passing, I tried working with Mattress Firm to see if the balance due of {$2700.00} could be negotiated to help me out financially with no success. I also related the same information to Synchrony Bank with no available assistance. The mattress is no longer in the house, and I'm currently still with a balance of {$2200.00}. I just made a payment to Synchrony today. I don't know where else to turn, is there help available in a situation such as mine? Thank you for your time and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Several years ago I was sent an Amazon charge card. I put it away and never used it. I thought it might have been something Amazon did when you became a " XXXX member ''. I began receiving bills on an account I had no idea what it was for. I tried numerous times unsuccessfully about what merchandise had been charged. The bills all seemed to be generally " amazon market place ''. I filed a complaint with Synchrony bank and explained I had tried to get in touch with a " person '' for months and was not able. This of course was during the Covid pandemic and I had a lot of family living with me. I signed an affadavit from Synchrony saying that I had never requested the card and had never used the card, It was a card I NEVER would have applied for at 29.9 %!!! I'm not crazy. I'm XXXX yrs old and have had excellent credit up until this started. As a result of my credit score being lowered to a point that made me uneligible to get a mortgage when I sold my home. This forced me to liquidate my life savings to be able to buy a house outright. Since this time I have closed the first account but Synchrony has repeatedly sent me a new account number and continue to send bills with a now over the limit balance and penalties on top of that. The current balance on my 4th account is {$2800.00}. This has exhausted my patience and made my life problematic to say the lease!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My father and I have essentially the same name and therein lies the initial problem. He's technically " XXXX '' and I am the " XXXX ''. My father opened a Belk credit card two months before I was born ( the account was opened in XX/XX/XXXX and I was born in XX/XX/XXXX ). At some point in time, some of my info ended up on the account my father opened -- possibly when Synchrony started managing Belk cards, but I can't be sure. I did not realize my info was intertwined in my father 's credit card until my father passed away in XX/XX/XXXX. As my father passed away, he stopped making payments on this credit card. As best I can tell from the XXXX reports, he had an outstanding balance on the card of {$1200.00} when he passed away. As the late notices and fees piled up after his passing, I started to get notices from XXXX about my credit score dropping. I filed an investigation request with XXXX and explained the situation to them. After 3 investigations, XXXX continued to say the bank ( Synchrony ) claimed the card was mine. At that point, I began communicating with Synchrony. Several times now I have supplied Synchrony with all the information they have requested -- copies of my driver 's licenses, my SSN, my father 's SSN, my father 's death certificate. I emailed ( XX/XX/XXXX, XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX ) this info to them, and even faxed it one time ( XX/XX/XXXX ) based on their request. I have spoken to numerous XXXX representatives on the phone with promises this will be taken care of. Unfortunately, every time I open my Synchrony dashboard online ( I have at least 5 other Synchrony accounts that I pay off each month ) I still see this credit card info with late fees amassing. Every time I see this card info on my dashboard, it's a reminder of my father 's passing that I don't need. I loved my Pop and this is like a punch to the gut. This really isn't rocket surgery. The account was opened 2 months before I was born. All the charges on the card and payments to the card have occurred in North Carolina. I have lived in Georgia since XXXX. Somehow my SSN got placed on my father 's credit card info over the years and now my credit score continues to take a beating after his passing. I let Synchrony know I was going to file this complaint and they continue to drag this situation out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I made a payment for my Lowes credit card I received my confirmation email stating I had made my payment. On XX/XX/XXXX I received an email stating that my payment was processed. My bank statement reflected the payment was processed. On XX/XX/XXXX I received a call from the company that I had NOT made my payment and it was now late. I tried to reason with the company letting them know I had bank proof and email proof to show I made my payment on time. They were unable to help me and I was forced to make a second payment for the month of XXXX. On XX/XX/XXXX I once again made my payment and received my email confirming my payment. On XX/XX/XXXX I received a email stating the payment was processed. This morning XX/XX/XXXX I noticed they charged me again and an email stating I was enrolled for autopay. When I saw this logged into my synchrony account and ONLY used the chat box to ask for the customer support number to give them a call. I tried explaining all this to customer service agent and verified everything I mentioned above. The agent was unable to help me and so I asked for a XXXX. The XXXX continued to insinuate that I made those extra charges and auto pay enrollment. I mentioned to her OVER AND OVER AGAIN that I did not make to authorization which is why I was calling in the first place. They were unable to help me either or give me any explanation for double payments and enrolling me without my consent to autopay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I received a notice on XX/XX/2023 from XXXX XXXX XXXX that my credit limit has decreased. I was not aware of the decrease, until I logged into my credit report and my credit report had dropped by XXXX points because of this decrease in my credit limit on my Venmo Visa Card. I have no outstanding balances on this card. On XX/XX/XXXX I called and asked why and they had no answer. I asked them to reinstate the original limit of {$6000.00} and they denied keeping the new limit of {$1500.00}. According to the CFBP I should have received notice of this decrease, but I did not. In addition, this decrease is affecting my credit score and the amount of funds I have access to. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A