Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$77.00} Balance updated XXXX XXXX, XXXX So these three accounts should not be on my inquiries because either old accounts and also I dont recognize XXXX XXXX XXXX services I dont recognize and also PayPal. These are unknown accounts. I need this off of my credit report because theyre not my accounts and unknown please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Card was obtained by someone against my will online and I am just now aware of it when I checked my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received an email stating that my Sam 's Club card ( membership costs {$50.00} annually ) was in a negative balance of {$30.00} on my Sam 's Cub Mastercard. This didn't make sense because my membership fee is automatically paid from my Amazon Visa card, and I have never owned that particular Mastercard. I called the number provided and spoke with a man telling me that I had to have had the Sam 's club Mastercard but I could pay the {$30.00} to pull my account out of the red or I could pay the {$50.00} and be cleared for the year. He also stated that since the account was in the negative, I had to pay with a debit card, NOT a credit card because this type of transaction was turned over to this business " Synchrony Bank '', and I would have to physically go to my local Sam 's Club to get the card payment situation straight. So, like an XXXX, I gave out my debit card number and paid {$50.00}. I kept the receipt from this company and have it if it's needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77627
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I purchased a mattress from Mattress Firm. They have a policy, if you don't like the bed, you're allowed a replacement. I did not like any of the beds, and they were returned. I later went online and found another mattress from Mattress Firm for {$540.00}, although online it said memorial days sale of {$500.00}. No problem, I accepted the {$540.00} and financed it through Synchrony Bank, credit card # : XXXX XXXX XXXX XXXX. I made payments on time. I received a paperbill initially and was told my bed now cost {$990.00}. I emailed synchrony bank and was told it would take up to three months to get the paperwork together. Guess they figured it out, so my bill is now {$540.00}, but each month I pay it down, it increases. As of today, I owe {$87.00}, however, via a message from Synchrony Bank yesterday ( XX/XX/XXXX ), I'm told my balance is {$210.00}. During XX/XX/2023, they charged me {$72.00} in interest. Previous interest has been $ XXXX dollars. I sent them an email, and they said my balance keeps increasing because I missed the promotion they claim they sent me via mail. I only received a bill in the mail once and immediately contacted them about the promotion. I was told I missed it, so therefore my payments would increase. HUH! They now send email statements showing me my balance. There is nothing on the balance showing sheet about a promotion. It says how much is due, and I pay it. My understanding from my one phone conversation, and from their messages to me is, if I don't respond or accept their 'promotion ', then they have the right to keep increasing my balance. As I make the payment for this month, my balance will be {$50.00}, and I plan to pay it and make no more payments. I've paid my bill on time and I've paid their interest, but, I'm confused as to why I have to pay these 'promotional " fees. Do I need to get a lawyer? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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/XXXX, the following dates amounts and locations were reported as fraudulent purchases by me to Synchrony Bank for my Lowe 's credit card : 1. XX/XX/XXXX - {$190.00} - XXXX XXXXXXXX XXXXXXXX FL 2. XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX FL 3. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 4. XX/XX/XXXX - {$960.00} - Store XXXX XXXX FL 5. XX/XX/XXXX - {$3900.00} - XXXX XXXX 6. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 7. XX/XX/XXXX - {$2400.00} - Store XXXX XXXX XXXX FL 8. XX/XX/XXXX - {$480.00} - Store XXXX XXXX FL 9. XX/XX/XXXX - {$210.00} - Store XXXX XXXX FL 10. XX/XX/XXXX - {$560.00} - Store XXXX XXXX FL 11. XX/XX/XXXX - {$340.00} - Store XXXX XXXX FL 12. XX/XX/XXXX - {$660.00} - Store XXXX XXXX FL 13. XX/XX/XXXX - {$400.00} - Store XXXX XXXX XXXX FL 14. XX/XX/XXXX - {$510.00} - Store XXXX XXXX FL Synchrony Bank acknowledged the fraud on XX/XX/XXXX and sent a letter stating that they approved the fraud claim on my Lowe 's Advantage Card account based on the information they had so far. I cancelled my card and had a new one issued. Whoever was able to use my account attempted to change the address and I canceled the card again and had a new one issued, froze the account, and had my granddaughter help me setup online access to better monitor the account. When the bill came for XXXX, there was one transaction that was not removed from the account for {$960.00}. This charge is the same as line item 4 from above but on my XX/XX/XXXX statement, Synchrony states that my balance as of XX/XX/XXXX was {$0.00}, but then claims a purchase was made on XX/XX/XXXX for {$960.00}. I have never made any purchases using this account. I sent another fraud claim to Synchrony and explained that this charge was part of the 14 charges they'd already investigated. Synchrony acknowledged my claim but continues to send me notices via mail and email, and call my home to ask for payment. They have reported late payment to the credit bureaus and added fees to my account for nonpayment. I can not get an answer as to why this one charge remained on the account while the 13 others were removed. I am XXXX years old and I live in Maryland. I remained in my home state, Maryland, and did not travel to Florida for the XXXX holiday. I do not have any relatives in Florida and I don't know how my account information was obtained to make all those purchases. I really need some assistance with this matter because Synchrony is not resolving the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a Lowe 's account in XXXX 2022.at that time I was offered 84 month financing at 7.99 %. I did not receive a bill because they sent it to the wrong address. I called the store numerous times, ( the manager did not call me back ) I called and emailed the corporate office with no success. I made a payment and then cancelled it since I was not able to get satisfaction from the company on the advertised rate. They immediately closed my account without any notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Synchrony Bank, XXXX, XXXX and XXXX are reporting inaccurate information on my consumer report. Synchrony Bank didnt have permissible purpose to pull my consumer report on XXXXXXXX XXXX. This unauthorized inquiry was not authorized by me. I didnt apply for credit with Synchrony Bank or any other credit provider on XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with customer service
Subissue:
Consumer Complaint: Synchrony Bank c/o Paypal Credit Account XXXX XXXX XXXX I mailed to Synchhrony Bank c/o Paypal Credit a money order that had accord and satisfaction verbiage for the alleged debt. The United States Postal Money was cashed which is indication that Synchrony Bank c/o Paypal accepted the new terms of the agreement by cashing and satisfying this alleged debt. The company is continuously reporting and open balance for this account. In addition, the company is reporting that this account has been late 30 days which is false and deceptive. I have never been late on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: About 2 weeks ago I made a cash advance of {$1500.00} from my old credit card with # XXXX XXXX XXXX XXXX and I reported to its customer service that I had lost this card so they agreed to close this card account and opened a new account which I just received its card yesterday on XX/XX/XXXX wich shown my current balance was {$400.00} due to my payments combined of {$1100.00} made to this account already but today ( XX/XX/XXXX ) my account was posted {$1900.00} as the current balance. I called the Customer Service to dispute it because this amount was unrecognized by me but the Customer Service told me that the amount of {$1500.00} were returned back to my bank checking account. I contacted my bank and had them check back on my bank balance statement but it did not show at all the amount of {$1500.00} were returned like the Synchrony bank Customer Service had told me even one of its member told me on Monday XX/XX/XXXX that the amount of {$760.00} was not returned back to my check account and it was credited to my payment for my credit card. It indicated clearly that Synchrony bank and its employees had committed fraud upon my credit account to cheating me financially and had violated the law of Fair Credit Billing Act and Consumer Rights Act. I would like to request that the CFPB to demand Synchrony bank to recorrect my balance at {$400.00}, to impose {$100.00} XXXX dollars penalty upon Synchrony Bank and suspend its business license for 5 years beginning on XX/XX/XXXX in order to deter Synchrony Bank and other financial institutions from engaging fraudulent activities and to protect the consumers interest. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
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 have attempted to handle this with SYNCB PPC several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. XXXX. SYNCB PPC # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A