Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account is listed as an open account type and pay status as collection with a pass due balance of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36701
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 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. 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: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: When I log into my account this message shows : " Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status ''. In XXXX/XXXX, I was told the restriction was put on my account due to my attempt to transfer an unavailable amount of funds to an external bank account in XXXX, but I could request to have the restriction lifted. I was told a request would be submitted to the " back office '' for review and it would take 2-3 days, but I could still make deposits to my account. Therefore, I began having portions of my paycheck direct deposited into the account ... without issue. On XX/XX/XXXX, I received a message from my HR department that a deposit was returned. I called Synchrony. Neither operator I spoke with, including a supervisor, could tell me why this deposit was returned nor why the restriction was still on my account. They stated they would have to submit another request, again to the " back office '', to lift the restriction and it would take 2-3 days. I stated I would prefer to just close my account, due to the extremely poor communication and results, and have a check sent to me. I was told I could not close my account until the restriction was lifted. After waiting, again 2-3 days for the " back office '' to process my request, there is still a restriction on my account and I can not access my funds through the ATM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've noticed some hard inquiries on my XXXX credit report that i did not authorized. 1 ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 2 ) the second company is " Synchrony Financial '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From XXXXXXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. TJMaxx mastercard had charges of XXXX that was done fraudulently. With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This afternoon I discovered Synchrony had closed all five of the accounts I had with them. I have never been late making payments, never had a payment returned, and never violated the terms. When I contact Synchrony after 4 hours of calling and chatting I was told they closed my accounts and will eventually send me a letter to justify why they did. Doing something then justifying it at a later date is simply unethical and shady.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just received an alert from XXXX XXXX that an inquiry from SYNCP/PAYPAL ( bank ) was made on XX/XX/2023 with XXXX. I did NOT request ANYTHING from PayPal. I DEMAND this FRAUDULENT inquiry be removed immediately!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
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: I have contacted care credit as well as synchrony bank several times in regards to billing errors on my credit report as well as my account statements with no resolution. My account is extremely incorrect and my credit score has been affected and it is causing great distress to my household.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was notified on XXXX XXXX XXXX that a credit card issued by synchrony paypal card under my SSN and it was reported to on my credit that synchrony closed it. I reached out to XXXX Identity theft to assist me and provide me with guidance. On XXXX XXXX I spoke with someone at synchrony paypal from their fraud department along with XXXX XXXX a restoration specialist ( she is helping me from XXXX XXXX After a few questions from the fraud department at Synchrony she was going to open up an investigation and report this as fraud to the credit bureaus. I have not used or applied for credit for about 3-4 years. The credit card was opened up XX/XX/XXXX and was closed XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A