Date Received: 2023-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: New new hard inquiry on my credit report without my knowledge. I had recently notice a fraud on my report and this is another instance that I was notified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} 01 SYNCHRONY BANK XX/XX/XXXX Balance : {$440.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
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 called a hospital on XX/XX/2023 to pay my up front portion of {$3200.00} for a procedure. I tried my Care Credit ( Synchrony Bank ) card, to see if I was eligible for any payment plans. Found out I was not, so the hospital voided the transaction. I paid the {$3200.00} with another credit card on XX/XX/XXXX. I received an email update on my Care Credit ( Synchrony Bank ) card that indicated I had a balance of {$3200.00}. The hospital has no recorded of the {$3200.00} from XX/XX/2023 on my account, only the transaction from XX/XX/2023. I have tried a couple of times to dispute the charge of {$3200.00} on my Care Credit ( Synchrony Bank ) card, including providing all records from my hospital account, showing there is no charge on XX/XX/2023. So far Care Credit ( Synchrony Bank ) card has not credited my account for the amount of {$3200.00}. I have tried several times to get updates via Synchrony Bank 's online customer service portal, but I can not get any information. I have tried several times to call their customer service number, but am told the disputes group does not take phone calls. So, I can not get a proper update on the status of my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On Sunday, XX/XX/XXXX around XXXX, I attempted to use my Care Credit card at XXXX for a purchase of about {$32.00}. The card was repeatedly declined and the cashier informed me her pc was not giving a denial reason. I logged into my account, and it showed I had a payment due, but {$100.00} was still available to use. I called Care Credit customer setvice, and the first employee explained there was a hold on my card for the overdue payment of {$30.00}. I asked why it showed my card had {$100.00} available to use online, but she could not explain why, just kept repeating I had to make a payment. I asked to speak to a supervisor because I could not make a payment until the next week, and the associate repeated she could not release the hold. The supervisor stated I have been a customer since XXXX, with no record of a late payment, and additional principal payments made toward my balance this year. Regardless, their policy has XXXX exceptions and she refused to assist in any way. I told her to schedule a payment for my full balance and to close my card next week. CareCredit refused to help a customer of 8 years to buy medicine at XXXX in the amount of of {$32.00}, because of a {$30.00} payment that was 8 days overdue. Supervisor showed no interest in saving the account. Good riddance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I made a purchase at Ashley Furniture XXXX XXXX, financing {$1800.00} ; 1-year same as cash, minimum monthly due of {$65.00} by the XXXX of the month, first payment due XXXX XX/XX/XXXX. ( Financing provided through Synchrony Bank ). The following paid dates are the dates payments were credited to my account : XX/XX/XXXX Stmt paid XXXX ( 10 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 8 days early ) ; XX/XX/XXXX Stmt paid XX/XX/XXXX ( 7 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 14 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 19 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 38 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 26 days early ) ; XX/XX/XXXX was paid XXXX ( 25 days early ) ; and XXXX Stmt, final payment, was paid XXXX ( 31 days early ). ALL of my monthly payments were paid EARLY, the amount financed was paid off in 8 months ( 4 months early ), yet Synchrony has charged me monthly {$30.00} financing fees since XX/XX/XXXX. Phone call & posting this info to my online account has been to no avail. Synchrony Bank refuses to address the invalid financing fees, which make up the so called balance due ; and they keep charging these invalid fees. Apparently, Synchrony Bank has an unscrupulous agenda, and they aren't budging.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I signed up for a XXXX through the bank. They were pulling money from the account from another institution. They said it could take up to 30 days, and didn't give me a timeline. By what they stated was the law, I had 7 days to close it after funding. Rates drastically changed as I was waiting some time for it to fund, and I received a letter in the mail dated the XXXX saying it was finally funded. The post office didn't deliver the letter ( as I would think they would know ) until after the window. I called to close to reopen another account with the current rate, and they said I was " one day too late ''. I asked to speak to management, and " there was no manager available ''. I asked for a follow up call- no one ever called me. This was after the time before I sat on hold for multiple hours. I filed a XXXX complaint- never heard back after that. Now, I am concerned about my money even being at this bank considering the difficulty with communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX Date of inquiry:XXXX XXXX Date of inquiry:XXXX SYNCB Date of inquiry:XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXXXXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry:XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I'm having an Issue with PayPal Reporting Policy. I opened an account with Paypal on XX/XX/23. I made a purchase for {$69.00}. On XX/XX/23 I was notified by XXXX that a new account has been added to my report and I have a Balance of {$69.00}. Few Issues with this. 1.The billing period has not ended ; I haven't received a statement, and when I called Paypal I was told that my statement period will end on XX/XX/23 and my balance will be due at the end of XXXX. So why has paypal notified the credit bureaus of my balance before notifying me? 2. I called and spoke with a supervisor to try to get paypal to correct their statement however, the Supervisor I spoke with tried to justify what paypal has done. paypal needs to correct that statement they have made to the credit bureaus ; XXXX should have never reported a balance without notifying the consumer of their balance first!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A