Date Received: 2023-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid in full Synchrony bank for Sam 's Club credit card {$680.00} twice. Once on XX/XX/XXXX and again XX/XX/XXXX thru their online payment portal. I was given an error when making the original ( first ) payment stating it did not go thru so the next day i made it again. However both payments went thru. When I contacted them, the agent advised me to make a stop payment on one of them thru my bank, which I did. I made a stop payment on only one payment. On XX/XX/XXXX I reordered a new card, I was told their backline department had incorrectly made a payment correction and it showed I still owed the {$680.00}. There has been been 3 separate cases opened on this thru Synchrony Bank managers ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I was also told it was sent to the finance department to fix. I also filled a corporate complaint on XX/XX/XXXX. Since then I have been dealing with them trying to get this corrected and get credit for the payment paying my card off. I have provided statements and tracing numbers from my bank. Every month I have had to contact them and dispute this. They have just sent me a letter stating the information I have provided hasn't been enough ( full bank statement ) and tracing numbers provided to me by the bank and once again it is showing I still owe {$680.00}. According to my bank, the second payment made on XX/XX/XXXX was the payment that was stopped and the original payment of {$680.00} went thru and Synchrony bank received the funds. I have filed a corporate complaint a XX/XX/XXXX amd did not hear back. Please help me finally resolve this. I have done everything they have asked me to and provided all documentation that I can. I am attaching my statements showing both payments and the one stop payment as well as the trace numbers provided to me by my bank. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
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: ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi-site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all de-rogatory and adversary items from any and all alleged claims still yet unproven to be true, cor-rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX XXXX reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the afore-mentioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of re-sponsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are un-doubtedly mandated in your obligation to obey
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have talked to them and explained that I have had no income for 4 years but to health and not able to hold a job I am XXXX XXXX XXXX I have had my drivers license suspended for 4 years due to having XXXX. I offered to pay what I can on my accounts and when I can. They refused to take what I could pay. The amount was {$50.00} month was what they wanted me to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Disputed account information via credit bureau. Company did not provide validity of original contract with XXXX XXXX. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank Over the past 10-12 mos, Synchrony Bank has made it impossible to login to my account to access and make payments. I login, then it logs me out. Then the chat assistant pops up in an attempt to help me. After I have made 9-10 steps sometimes I can get in and most of the time I can't. I think this an attempt to charge additional fees and to ruin my credit if I allow this to happen. Which I won't. Please help me in getting restitution and to make Synchrony follow the preset guidelines to let consumers access their online account information with out speaking to someone in another country that has no clue what I am talking about on the phone. There is no reason I should not be able to speak with a live agent and have them work out the delima they have created. I need this fixed. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I added a new bank account to make payments from, and submitted a full balance payment. The payment was returned and I was charged a {$30.00} fee. I called my financial institution XXXX XXXX XXXX to see why the payment was returned and they advised me that no payment has been put through their system. Immediately I called Rooms to Go Synchrony bank credit card to see why the payment had been returned and the {$30.00} fee was charged. The customer service told me that payment was returned because " account closed ''. I told her my account was not closed cause I had just spoken with my bank XXXX XXXX XXXX and everything was in order on their end. I asked the customer service if I could verify the account number and routing number to see if maybe that was the issue. She said just to go online and do the payment again and that returned payment fees could not be waived. I asked to speak with a supervisor and she said the supervisor was going to tell me the same thing and she put the phone on hold until I decided to hang up after 55 minutes waiting and nobody answering.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
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: on XX/XX/2021 a mattress that I ordered online from XXXX XXXX was delivered at my home and left at my front door without my permission and without my signature.When I arrived home I found the Mattress soaked with rain seeing it was left outdoors .I tried for months to resolve the issue with the retailer XXXX XXXX XXXX XXXX XXXX.with no success .they refused me a refund and would not honor their online return policy, or the state of Fl laws regarding returns.My complaint today is against the Synchrony Bank who I have a XXXX XXXX Store Card .when I reached out to Synchrony Bank with my concerns they denied me any help in this matter and simply sided with XXXX XXXX without any relevant explanation .I paid off this account because I didnt want to jeopardize my credit score.I asked Synchrony Bank to ask XXXX XXXX for a receipt verifying that I signed for this delivery as proof .But the rebuffed my request provided me no proof of anything and basically rubber stamped what the retailer did.So to reiterate a delivery was made to my home from XXXX XXXX in inclement weather left at my front door without my signature, when I reached out to the retailer I was denied a refund and when I filed a dispute with Synchrony, the denied my dispute giving me no relevant reason or no corresponding paper work that I requested from the retailer showing my signature or any paperwork where I okd a drop ship I was rushing home to receive the delivery I never dreamed they would have just left it outside.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have hard inquiries that I never applied for I dont apply for anything because Im not interested in getting any of that credit stuff
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74017
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT!!! Ive NEVER had car insurance with XXXX XXXX XXXX. Please have the creditor provide the consumer with a copy of the actual insurance contract and/or policy bearing my signature, the Title Holder and VIN number for the car that was insured, and proof that I am the owner of the car that was insured. I should have ZERO collections on my credit profile. These negligent and egregious actions by XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, and ALL other Credit Reporting Agencies has daily irreparably harmed me as a consumer causing damages to me and my family in the form of Denial of Credit opportunities for myself and my business, Denial in Mortgage Loan Applications, Denial of my Security Clearances, and the Denial of employment opportunities directed connected to my inability to obtain a Federal Security Clearance which is based in part on my Credit History. As such, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies reporting this incorrect information has full legal liability for several causes of action to include but are not limited to Fraud, Identity Theft, the violation of my 5th and 14th Amendment Due Process Rights, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC, XXXX, and ALL other Credit Reporting AgencieXXXX use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. EXHIBIT A, PAGES 4 - 13 F. Accounts This is a summary of ALL of the Credit Accounts as they appear on my XXXX Credit Report and my rebuttals, comments, and changes that need to be made related to these accounts. They are numbered EXACTLY according to how they numerically appear in Exhibit A. 1 ) XXXX XXXX XXXX XXXX Account Number : N/A Consumer initiated the closure of this small credit card account in XX/XX/XXXX. Page 4 of my XXXX XXXX XXXX enclosed as Exhibit A, INACCURATELY reports that I have a balance of {$470.00} due on my XXXX XXXX XXXX XXXX XXXX, which is INACCURATE. This reporting by the CRA Defendants doesnt credit me for the total of {$300.00} in payments that I TIMELY made on my XXXX XXXX XXXX credit card over the months of XXXX and XX/XX/XXXX. As direct evidence, Exhibit D is a print of my XXXX XXXX XXXX bank statements showing how I paid {$150.00} in XX/XX/XXXX and {$150.00} in XX/XX/XXXX towards my XXXX XXXX XXXX credit card account. As such, the balance on my XXXX XXXX XXXX credit card should only read {$170.00} across ALL of my credit profiles with ALL Credit Reporting Agencies!!!! PLEASE UPDATE AND CORRECT THE INSTALLMENT DEBT PORTION OF MY CONSUMER CREDIT REPORT IMMEDIATELY TO REFLECT THESE CHANGES!!!! See Exhibits A-D. This account also INACCURATELY reports that I have one ( 1 ) instance of being late and/or delinquent for more 30-days on this account which is FALSE and FRAUDULENT INFORMATION!! Ive NEVER been late in paying on this account. NEVER! This is an INACCURATE and DAMAGING statement on my credit profile which has caused me considerable irreparable financial, emotional, and psychological harm to both myself and my family by both the Creditor and the CRAs in clear and direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq. ; the 5th and 14th Amendments to the U.S. Constitution Due Process clauses ; and Maryland Law regarding Fraud, Identity Theft, and Tortious Interference, to name a few. I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies also use Exhibits A-D to CALL ME AT XXXX AND IMMEDIATELY UPDATE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, AGED, DUPLICATE, AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 23 ) XXXX XXXX XXXX, XXXX. XXXX Account Number : XXXX Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 13 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law. As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 24 ) SYNCB/SAMS CLUB XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 12 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/SAMS CLUB, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 25 ) SYNCB/BELK XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/BELK, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I. 26 ) SYNCB/ROOMS TO GO XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report? Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/ROOMS TO GO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A