Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been trying to get inaccurate things off of my credit report for a while now. I have informed XXXX, XXXX, and XXXX that I am a XXXX XXXX. I am a victim of identity theft and that there are numerous things on my credit report that do not belong to me, are inaccurately reporting, and it is keeping me from obtaining the things I need to get buy such as housing, a vehicle and other things. 15 usc 1681 inaccurate reporting. XXXX is reporting that synchrony bank opened XXXX XXXX XXXX was closed XXXX XXXX as a charge off for {$5000.00}. XXXX is reporting that synchrony networks was opened XXXX XXXX XXXX it says it is closed but does not give a date, it is charged off {$5000.00} XXXX is that synchrony networks was opened XX/XX/XXXX closed as a charge off. XXXX written off. {$5000.00} credit limit XXXX highest balance. A charge off is considered a certificate of indebtedness. Which means it is income. Income should not be reported and must be removed. XXXX, XXXX, XXXX, and Synchrony networks are reporting inaccurately, unfairly and I have opted out therefore they are not respecting my wishes or the privacy of my personal information. Which is their duty according to The Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I request the removal of this account from my credit report as it has been over 7 years. The date on my credit report is inaccurate, and it states XXXX as the year. The charges were a result of the natural disaster Harvey, which affected me and forced me out of my home during the period when the charges were made. ( {$750.00} Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding. I can provide documents as proof that I was affected by Harvey at the time. The account is set to be removed from my credit report next year XXXX, however, it should be XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased online worth of {$530.00} but the item was not pick up at the location. The item was returned to the seller. The PayPal reward credit card give the refund money and later on few months they take the money back and added to may balance. After that I called the credit card company and the problem was solved. This year they added to my balance the {$530.00} again and I called them but the problem was not solve. I'm tired of calling them after multiple transfer to a customer service the problem was not even solve. I kept paying and paying to lower my balance but I still owe the credit card which is the {$530.00} still added on my account. I'm tired I agree to pay last year because I cant win with them but this year no way, I need help to fix this. I'm so stressful with this issue. I already pay them and they want me to pay again. I also have some issue with them I always getting an email with receipt that I was charge from XXXX XXXX and XXXX product that I purchase something with my PayPal credit I also told them I keep receiving this kind of email, I report it PayPal credit card and I was advice to forward the email to them. Which is I normally do every time I received an email telling me that I purchase something but technically it affect me and annoyed getting this type of problem. I want to dispute the {$530.00} added to my account or I think I over paid them. I'm not using anymore the card because i want to be a XXXX balance but the way they doing this to me I cant keep it low the balance. Please help me settled this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX XXXX I went shopping at JC penny. Whiles the sales girl was checking me out, she asked if I wanted to sign up for rewards and I said yes. Only to find out at the last minute that it was credit card application. My scores reduced after they deducted. I called the company to fix it the problem so that I can get my scores back and nothing was done about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58703
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX - purchased son 's bed mattress from Ashley Furniture in XXXX, Indiana XXXX for a total of {$850.00}. I chose the promotional financing for six months with no interest from Synchrony Bank. I applied for the card and was immediately approved and a card was sent to my address. Somewhere between XX/XX/XXXX - XX/XX/XXXX - My mail was stolen from my mailbox. I filed a police report with XXXX Police Report and spoke with the XXXX and confirmed that there were reports of mail theft. After investigation, I determined that my new passport, XXXX registration, letter from nephew in military, and new Ashley furniture card were stolen. I even purchased a locked mail box to prevent any further mail theft. From XXXX, I can confirm the passport was stolen on XX/XX/XXXX. XX/XX/XXXX - I noticed unauthorized/fraudulent purchases on my account and reported this to Synchrony Bank and they removed the purchases and sent me a new card and were going to investigate the fraud. XX/XX/XXXX- received an email/letter denying my fraud claim because they believed the items were shipped to my home despite ever requesting any more information such as police report or giving me information on these fraudulent purchases. XX/XX/XXXX- Synchrony Bank reopened the fraud investigation. Called for more information which detailed letter and attachments including police report, photos of my home, photos of where XXXX delivered fraudulent purchases to, receipt of actual purchases, receipt of locked mail box were sent to the fraud investigation by mail and fax. On or about XX/XX/XXXX - After receiving all this information, Synchrony Bank denies the fraud claim again and fraudulent purchases are added back on account. On or about XX/XX/XXXX - pay off entire account including fraudulent purchases. Due to Synchrony Bank 's inaccurate and false conclusion related to fraud, do not want to pay/spend another dime with them. On XX/XX/XXXX, I call synchrony bank to close account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of XXXX XXXX, XXXX XXXX XXXX XXXX Synchrony Bank, XXXX. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. 1. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank , and XXXX might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. 2. Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from XXXX , XXXX and XXXX , I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like XXXX XXXX, XXXX XXXX XXXX , Synchrony Bank, XXXX to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. 3. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge XXXX XXXX, XXXX XXXX XXXX , Synchrony Bank, XXXX to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. 4. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank, XXXX initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. 5. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand XXXX XXXX, XXXX XXXX XXXX , Synchrony Bank, XXXX to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ a reasonable timeframe, e.g., 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have the care credit card through synchrony bank. They increased my spending limit. Then I receive an email stating that they decreased my limit. I talked to a representative on XX/XX/XXXX. He stated that XXXX sent my credit report to them and that is why decreased my spending limit. I said what is wrong with my credit. I've been paying all my creditors on time and I pay extra each month. The representative said it was for lack of real-estate. They told me they have no control over this that its XXXX decision to send them my credit information, and I need to contact them and ask what lack of real-estate means. The representative said they can do whatever they want. He said its in the disclosure. I said you dropped my credit score significantly by decreasing my limit. He said then cancel your card. That was his answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was billed for an optional program labeled " card security payment '' I never approved nor knew about. Total fees billed for the program since enrollment ( XX/XX/year> ) was {$1500.00} and I asked to refund these totals. Only {$220.00} was returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Care Credit/ Synchrony Bank . I called in to ask about a Mastercard option for my credit card when I spoke to the rep, they told me it's a system who randomly picks customers for the Mastercard option. I have been a loyal customer for over 4 years and have never been picked, when I asked how they make sure the system is equally choosing the right people and not just choosing based on race, amount of money they make or where they live, they were unable to answer that. That type of response made me wonder if that system is tested to see if it's being offered to a wide variety of groups or is it based on the amount of money you make per year, your balance, etc. I requested a call back but never got a call back, the request was sent over to their fair lending compliance department. I am not putting this in simply because I did not get an offer, but to make sure they are being compliant and fair to every single consumer they have. As of now it seems like they need to be audited to ensure they are following regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a purchase on XX/XX/year> including gift cards and decorations plus misc repair items. Because of the gift cards I had to present my drivers license to the store cashier and manager prior to completing the transaction which was done. I then received a text to call the credit card company. I was then told a copy of my license and utility bill was needed to prove it was me who made the charge. I thought it was fraud and asked for something in writing. My card was frozen and I did receive a letter. I called the credit card company and advised that I already had shown my license twice. I also expressed my concerns with my ID on some system. I previously had my identity stolen with fraudulent charges and the only way the damage was minimized was because the crooks did not have my ID information. I advised the company that I made the charges. The amount is still on my bill which I am making payments. If there were concerns about whether I made the charges, the company should have taken the amount off the balance which has not been done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A