Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AN THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
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: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: During week of XX/XX/XXXX I contacted my bank, Synchrony, about the process to do a wire transfer. They said my account was " diamond '' level and I get 3 free wire transfers a month. They also said i needed to get specific wire instructions from the receiving bank, address and phone number, etc. I contacted the individual I was going to be wiring funds for a truck I wanted to purchase. He gave me the info. I called the bank, they then told me i needed entirely different info. I got that info then on XX/XX/XXXX I contacted my bank that has my savings account to do a wire transfer for a truck i want to buy and they told me i didnt need any of the info the previous two people told me i did and that I just needed the name and address of the individual I was wiring funds. I gave them the info and had them wire XXXX to their account for the truck. I don't hear anything from the bank and followed up with the individual to see if the wire went through, he said it didn't. I logged into my account to see if it had any info there and I was greeted with the message that ALL my accounts were restricted. I call the bank to find out XXXX is going on. They say my accounts are " in review '' then try to say they think its fraud but there have been no attempts to access my account from outside the country or anything that can be misconstrued as fraud other than apparently me wanting to use my money. They say it could take up to 60 days!!!!! to review my account. I am beyond livid at this point. I tell them to cancel the wire and that I'm going to close ALL my accounts. They say i can't do XXXX and have to wait for their " review '' to complete. I have them escalate. I call back the next week. They give me the same XXXX excuse they are investigating, i have them " escalate '' again which is clearly a XXXX process that doesn't exist, they say it should be a few more days, called again Wed XXXX and Friday XXXX, same XXXX. They have totally XXXX me. I had autopayments setup that are now failing, I have a bunch of late fees due to this and I can't even use my credit card now as they have locked it because the payment didn't go through. They have basically stolen ~ {$80000.00} from me with no explanation and apparently no accountability. I don't know if they are about to go XXXX up like that bank in california but it looks like im going to have to find an over seas bank to work with as US banks are so poorly regulated with XXXX regard for consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Starting on XXXX Lowes Card- a person called and change my address, phone number, email address to obtain a card. They used and they kept changing the address even I did it too many times. Right now the amount due is aroung {$32000.00}/ I called and they have the account under investigation. This people is from XXXX IL. I live in South Carolina and I have not change my address since XXXX -
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account with PayPal Credit. PayPal system has a glitch that caused my Auto Pay Payment to fail. As a consequence, I have been charged a late fee of {$30.00} on XX/XX/XXXX and {$41.00} on XX/XX/XXXX. I suspect that this issue may be affecting other customers as well.
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: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have below the invoice that will be sent off to XXXX XXXX XXXX I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I'm having issues with Paypal Credit and Synchrony Bank, processing my payments past the deadline date, two times in a row in XX/XX/2023 and XX/XX/2023. And it looks like they're going to post it late again for XX/XX/2023. I've called in both previous instances and they reported each time that I filed a claim that the payment was received on time. And it's a delay on their end for processing payments. And try to blame the post office and says that it's not the same since covid. Covid has nothing to do with their failure of processing. And I have a track record of making timely payments with PayPal. However, I sent the payment in XXXX for a payment this month in XXXX. And it isn't showing as payment received yet. I'm done with filing claims and ask for CFPB assistance to figure out what's going on?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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: XX/XX/2023 I purchased an XXXX XXXX XXXX receiver from XXXX for {$270.00} and paid for the item on my PayPal Credit account and received the item on Friday XX/XX/2023. I setup the receiver and begin the installation process. Almost immediately I encountered a installation software problem which caused the software to go into a software loop. I was able to find a work around this issue. I contacted the seller and informed them of this issue. I was able to continue the installation process which continued over into the weekend and ran into other non-functional operational issues which displayed Coming Soon. On Sunday XX/XX/2023 I decided to return the item for a refund due to the number of non-operational issues. I drafted a note Exhibit 1 regarding the return. I called and left a voicemail for the XXXX support people regarding the return and informed them I had contacted PayPal and filed a dispute. **Regarding this dispute from PayPal , part of the process was to select a category that identified the problem with the item being returned. There was only ONE selection available that came CLOSE to identifying the issues with the item, that was Product Not As Described. Not exactly the truth however, the closest. The item did perform minimally. On XX/XX/2023 I received a RMA USPS sticker for the return item and I affixed it and immediately took the package to the Post Office and waited for delivery to the seller USPS receipt and Tracking report attached Exhibit 2. The item was received by the seller at their office on XX/XX/2023 at XXXX. The seller convinced me that my decision to go the PayPal dispute route was a mistake, also adding 60-75 days to the process, coupled with the fact that they immediately sent out the RMA sticker for return convinced me to close the PayPal dispute , which I did. The seller got his money from XXXX/PayPal. After that when I contacted PayPal or the seller all I heard was {$15.00} charge deducted, or XXXX or PayPal wont release monies because I had to file a 2nd dispute to get money back. Summary : The seller received the item back on XX/XX/2023 in perfect condition. The seller has the {$270.00} I paid for the item. PayPal or XXXX, Im told wont release my money. I have tons of documentation to validate all my claims. If you need anything documentation wise, please let me know. 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: MO
Zip: 63379
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: between XX/XX/2018 and today synchrony bank has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. Fraud Alert. This account does not belong to you. No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported. Provide me with certified copy of the written permission that you have from me to report anything. Provide me with all of the written communication with me with my opportunity to opt out. Provide me with the bona fide evidence that i am all four of the entities on the report. Provide me with bona fide evidence that you have abided by the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing. debt is alleged until proven 15 USC 1691. Fraud Alert. This account does not belong to you. No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported. Provide me with certified copy of the written permission that you have from me to report anything. Provide me with all of the written communication with me with my opportunity to opt out. Provide me with the bona fide evidence that i am all four of the entities on the report. Provide me with bona fide evidence that you have abided by the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A