Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I applied for health credit and received a letter of denial on XX/XX/2023 for various inaccurate reasons along with a false credit score of XXXX. The creditor never examined my credit from any of the major credit services for the time stated above. On XX/XX/2023 I reached out to the creditor in response to the incorrect information I spoke on a recorded call with XXXX @ XXXX XXXX inquiring about the false information she was unable to assist me, after being placed on hold for an extended time the call mysteriously ended at XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter form Synchrony Bank notifying me that someone requested a PayPal Cashback Mastercard account without my permission or authority. The letter noted that the request was made on XX/XX/2023 and that " Your PayPal account is in a locked status ''. It was further noted that I did not need to respond to the letter. I contacted Synchrony Bank and expressed that the attempt by someone applying for the bank card was fraud. The bank rep advised me that the information provided would be noted to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 XXXX XXXX XXXX XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted Syncb/Amazon XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am submitting a new complaint against Synchrony Bank with regard to the overbilling by XXXX XXXX XXXX and the difficulties I have experienced again with the dispute process through Synchrony Bank ; in fact, the upload feature on the Synchrony Bank portal does not allow to upload the exact dispute form provided by the same Synchrony Bank and also the fax number provided by Synchrony Bank to fax over the dispute form does not answer despite several attempts during business hours ( see attached documentation ). I previously submitted a complaint through CFPB against Synchrony Bank with regard to two previous disputes due to overbilling by XXXX XXXX XXXX for order # XXXX ( sale date XX/XX/XXXX ) and for order # XXXX ( sale date XX/XX/XXXX ). Having submitted a dispute via CFPB to Synchrony Bank for the overpayment of {$440.00} ( order # XXXX ) and for the overpayment of {$810.00} ( order # XXXX ), I eventually received a refund check for these overpayments. Although I requested a refund of all overpaid amounts in these two orders, as of today XXXX XXXX XXXX has not fulfilled my request, and only sent a refund check of the disputed amounts through Synchrony Bank. You can find below a breakdown listing all the overpaid amounts under both orders : For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$810.00} as a result of my dispute with Synchrony Bank. The XXXX XXXX Total on Customer Order Statement was of {$4300.00}. My credit card received a credit of {$270.00} ( - {$270.00} ) on XX/XX/XXXX and a credit of {$190.00} ( - {$190.00} ) on XXXX. However, my credit card was charged {$3900.00} on XX/XX/XXXX and {$810.00} on XXXX ; the amount of {$810.00} was refunded through the dispute. I also used {$40.00} in Promotion Certificate as part of this payment. Here 's the entire calculation : - Paid : {$3900.00} + {$40.00} = {$4000.00} ; - Credits : {$270.00} + {$190.00} = {$460.00} ; - XXXX XXXXXXXX Total : {$4300.00} ; - Overpaid amount : ( {$4000.00} + {$460.00} ) minus {$4300.00} = {$4400.00} minus {$4300.00} = {$120.00}. For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$440.00} as a result of my dispute with Synchrony Bank. The XXXX XXXX Total on Customer Order Statement was of {$2000.00}. My credit card received a credit of {$210.00} ( - {$210.00} ) on XX/XX/XXXX and a credit of {$320.00} ( - {$320.00} ) on XX/XX/XXXX. However, my credit card was charged {$1300.00} on XX/XX/XXXX, {$670.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX ; the amount of {$440.00} was refunded through the dispute. I also used {$80.00} in Promotion Certificate as part of this payment. Here 's the entire calculation : - Paid : {$1300.00} + {$670.00} + {$80.00} = {$2100.00} ; - Credits : {$210.00} + {$320.00} = {$540.00} ; - XXXX XXXXXXXX Total : {$2000.00} ; - Overpaid amount : ( {$2100.00} + {$540.00} ) minus {$2000.00} = {$2600.00} minus {$2000.00} = {$630.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: About a week ago I saw my credit score had reduced. XXXX shows this hard inquiry fromSynchrony Bank, who service some types of Amazon credit cards : Name : SYNCBAMAZON Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called Synchrony Bank, who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. I then called XXXX, who claims that is impossible, and that if the hard inquiry exists, it was from Synchrony Banks systems. The rep straight-up said Synchrony Bank is lying about this. This alone puts it well out of anything I could deal with myself. I even got an email, supposedly from Synchrony, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your AMAZON STORECARD online credit request. Hi XXXX, Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. View Details Reference Number : XXXX AMAZON STORECARD Credit Services -- -- -- -- -- -- -- -- -- -- None of this could be verified in my call to Synchrony bank. They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I was on hold for over one hour with PayPal. I spoke with a " XXXX '' she said that they have records of the two payments but they did not. My bank has confirmed two payments but PayPal has declined payments for their direct account and PayPal Credit. PayPal has closed the PayPal Credit account based on their issues with electronic ACH payments from my bank, XXXX. For some reason the payments are not going through in a timely manner taking days to complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize this application please get this removed from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i don't recognize this application please get removed from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: Subject : Complaint Regarding Venmo Credit Card 's Mishandling of Dispute - Unsatisfactory Hotel Experience in XXXX Dear Sir/Madam, I am writing to formally file a complaint against Venmo Credit Card for their mishandling of a dispute I submitted regarding a hotel stay in XXXX, where I experienced extremely poor service. I paid for the hotel using my Venmo Credit Card, and the total amount involved in this incident is {$2300.00}. During my stay at the hotel, I faced numerous issues including rude staff and unattended room service requests. I made several phone calls to the hotel management to address these problems, but they were unresponsive and uncooperative in resolving the matter. Upon my return, I submitted a dispute with Venmo Credit Card, detailing the entire incident and providing evidence in the form of records of phone call communications with the hotel. Despite my efforts to communicate the severity of the situation and the hotel 's negligence, Venmo Credit Card mishandled my dispute and failed to provide an adequate resolution. As a result, I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this matter fairly and ensure that I am not financially burdened by the hotel 's misconduct and Venmo Credit Card 's poor handling of my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened an account with Lowes Credit Card in XX/XX/2021. Based on credit review I was approved for a credit line of XXXX XXXX I have kept the account in good standing, never missed any payment or changed any unnecessary charges on the account. I have recently received a letter as notification that they were closing my account. Under CFPB protection laws I do not believe this company can commit this act and affect my livelihood this way. My credit will be affected greatly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A