Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I pulled my credit report only to realize that I have two accounts with Synchrony Bank. I noticed one account has been reported as unpaid for about a year when I have the evidence that this account had been auto drafted from my account each month. I then called in to synchrony bank and got a rude representative that hung up in my face. I AM LIVID!!! I demand that both these accounts be deleted from my credit report immediately. I will be taking this to small claims court and filing an FTC report for their negligence if it is not resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On my XXXX XXXX XXXX XXXX Card ending in XXXX My statement date XX/XX/2023 there is an interest charge that is at an illegal rate and Usurious Interest rate is charged. ( Statement attached as proof ) My Account Balance after payment is posted is {$200.00}. Proper interest would have only been ~ {$3.00} approx. I was wrongfully charged nearly {$8.00} Nearly 60 % APR of interest!! Even though the interest rate is already quite excessive at ~30 % I was charged Double the rate disclosed and the rate in my card member agreement. For a person with a score over 720 this 30 % rate is both abusive and unwarranted. Never the less, charging double that 300 % rate is both in violation of the rate promised and disclosed and is in violation of Usury laws in this country. Then when I called Synchrony to dispute the charge, the first manager hung up the phone on me refusing to even address the issue. Then I called back and MULTIPLE Synchrony Reps used Unfair & Deceptive Business Practices delaying my call for over an hour, Deliberately & deceptively transferring me 4-times to the wrong extension and completely inappropriate Synchrony group so they could not claim to handle my call! After nearly 2-Hours I finally got to a manager named XXXX who deliberately misquoted the nature and basis of my dispute so he could wrongfully deny it and then refused to take the dispute all together. Mass General Laws Chapter 93A is a consumer protection Law Violating the rights of consumers with the use of Unfair & Deceptive Business practices and entitled the consumer to Treble Damages when used. Fines, Penalty 's and damages must be levied against this unscrupulous lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX, 2023 I went to Lowes to look at purchasing a Lawn Mower. When I was at checkout the cashier suggested I apply for a credit card and Id get around {$100.00} off of the items I was buying, including a lawn mower. After entering my information the cashier said she got a message they couldnt complete the transaction and they would follow up via mail with the credit decision, which sounded odd to me. Ultimately I received an adverse action notice in the mail. It stated I was declined as the credit reporting agencies indicated I was deceased. I immediately ordered credit reports from all three reporting agencies and none of the showed me as deceaseds I contract Syncrony Bank, the institution who rendered the credit decision and sent me the adverse action letter. I noted that Synchrony had pulled my credit, there is an inquiry from them on my reports. They said that my social security number was off by one digit which caused the issues. My problem is that they pulled my credit, they had to have the proper information to do that. Why would they send me an adverse action thats says I am deceased? When I questioned the rep from asynchrony they suggested I return to the store where I submitted my application and ask to resubmit it with correct social security number. The problem I have is they sent me a totally bogus adverse action reason to decline my request. When questioned about the fact that they did see my credit report and that I knew sending invalid reasons for declining an application is a violation of regulations, they shrugged it off and sent me back to the store. I want my credit report inquiry removed since they didnt use that information anyway. I dont want their card at this point as I dont trust the organization making the credit decisions. I also want them addressed on violating federal regulations related to consumer credit and with how non-caring the rep, and a supervision as I asked to speak with a super visor during my call to Synchrony, it appears they dont see any issue with what this experience was for me, the consumer..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: hello i'am having a serious problem with my Ashley home store synchrony bank credit card that I was approved for back in XXXX 2020.i 've been using this card to make a purchase online and in store at Ashley home store since XXXX.the card used to have a limit of {$6800.00} in that same year I made a purchase of {$4800.00} and I was able to clear the balance by the end of XXXXi went to XXXX in XX/XX/2022 and I used the card to make a purchase in one of their store in XXXX for a total of $ XXXXand that purchase come with 0 apr for 24 months.i made the first payment to the card in XX/XX/2022 and the next payment didn't post to the account I called them right away to inquire about the problem, later one the post a {$51.00} minimum payment to the account .I made one time payment to clear that out .the following day they switch up the minimum payment to a full balance clearance because they have my checking account numbers.i called my bank and blocked the transaction.until now they closed the account without a valid reason.iam reporting this because the disclosure of the account differs from the the way they proceed to close the account, there is any legal way to solve this issue, they actually report this to the 3 credits bureaux as default on payment to the account.how can I get this issue solve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To : XXXX XXXX or Hopefully to someone willing to investigate the issue until it is resolved. As I have stated since XXXX, the request for payments to PayPal from my XXXX checking account are NOT making out of your system. So the two small deposits on XX/XX/XXXX never left PayPal for me to verify. Also, that was the ONLY time I have been able to get to the point of deposits in the PayPal system. The other 50-60 time I attempt to set it up, I receive a We're sorry. We're not able to process your request right now. Please try again later. I informed you in XXXX that I would be in Alaska for a majority of XXXX and XXXX and would not have access. I made every attempt to resolve this. The customer service was not willing to sufficiently assist me. I have told them on multiple occasions that my husband, XXXX XXXX, had full access and permission to act on my behalf. Customer continues to deny him the ability to assist without speaking to me. This had only prolonged the problem. He was the main point of contact in XXXX as he is retired and I have to work. I made numerous attempts when I had internet access to link my account, only to see the message above. In late XXXX to early XXXX, representatives from XXXX and Synchrony made numerous attempt to resolve this to no avail. I was forced to make payments via check for PayPal Credit, while the PayPal Credit Card payments would go through if they were on autopay. The autopay function was removed by PayPal late last year! This resulted in more late payments and an absolute removal of a linked bank account that was functioning. When that occurred, I decided enough is enough. This disconnect needed to be properly corrected. I am still This resulted in some creditors reducing my credit which snowballed in a majority of the creditors doing the same. I have been way more than accommodating to Synchrony and PayPal, but I am feeling that this will not get resolved without litigation. In fact, if you can not resolve this by the time I depart for Alaska on Monday XX/XX/XXXX, I will be hiring an attorney upon my return ( XX/XX/XXXX ). You stated in your response to my CFPB complaint I am sorry for the difficulties you experienced when attempting to re-enable your Bank Account. Upon receipt of your Complaint we conducted a review and confirmed that no errors occurred when originally disabling your Bank Account due to the potential unauthorized activity, and that we are currently unable to re-enable your Bank Account due to your bank reporting it as an invalid account number. This would be a false statement. The electronic request sent out is not making to my bank. The report of an invalid account number is not from my bank. You only looked at the information you could easily access and generated a response. You did not investigate the source of a problem that has lasted way too long. In XXXX I gave the representatives from XXXX and Synchrony permission to communicate concerning this issue. It was not resolved, but it was determined the fault did not lie with my XXXX bank account. At that time PayPal and Synchrony were stating that they were receiving a response of insufficient funds. I provided bank records for the dates that the supposed requests were made, showing I had more than sufficient funds. Now you are stating the bank account is invalid. As it was then and now, you are incorrect. Below is the response from XXXX after they communicated with Synchrony : Date of response : XX/XX/XXXX We are responding to the concerns about the XXXX XXXX XXXXXXXX XXXX ( XXXX ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding PayPal debits from your checking account. Per our records, Petty Officer XXXX contacted us on XX/XX/XXXX, stating that the XXXX rejected PayPal Automated Clearing House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to Synchrony Bank. XXXX XXXX contacted Synchrony Bank to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the XXXX does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from Synchrony Bank. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns. We are still waiting on Synchrony and PayPal to provide the information needed to correct the problem. I appreciate your attempt to call, but there is no information I can provide that you dont already have. The bank you are calling invalid had been functioning correctly from the mid XXXX until XXXX. It was partially functioning until last year. When I mail a check, the payment clears! This email will be in the contents of my new CFPB complaint. I will continue to initiate complaint until it is resolved. They really need to keep the complaints open until resolved instead of closing them upon company response. I am sincerely looking forward to having this issue resolved. It is going to take more of an effort on your side though. Until it is, I demand you place a hold on all late charges and notifications on both accounts. Please respond to this email for any other correspondence until such time as the issue is resolved or I have an attorney representing me. XXXX and XXXX XXXX Sent from Mail for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was a PayPal synchrony debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. This account is not a collection or charge-off. I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence XXXX XXXX need to delete this dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
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: I made purchase from XXXX ( ordered an XXXX for XXXX USD ) on XXXX XXXX XXXX. But the seller sent me an empty envelope instead a package with an item I was ordered. I contacted USPS and they can PROVE the " package '' weight is 1oz ( USPS representor said " this is an EMPTY envelope '' ). So, in this case the seller has tracking number and the status of the order was " DELIVERED '' .... but what was delivered PAYPAL, and XXXX does not care. After time, on XXXX XXXX PAYPAL decided to resolve this case in " MY FAVOR '' ( The balance was {$0.00} ). But, after few days the balance of XXXX showed up again in my account. I disputed again and their representors repeating the same thing ( the order was delivered and the seller has confirmation number ). Literally, PAYPAL took the second decision ( in favor of the seller, THIS time ) based on only one delivering number. Noone gets in touch with USPS so far, either PAYPAL or XXXX, to look in their shipping records for the weight of the " PACKAGE '' - an empty envelope. I can provide dates, names, pictures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20136
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that XXXX XXXX XXXX XXXX XXXXXXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Pay Pal ( SYNCB/PPC ) for many years. During our business association, starting in XXXX of XXXX, I have honored and respected my account agreement to the fullest and appreciate your outstanding service. Unfortunately, in XXXX of XXXX, I had fraud on my card tied to pay this monthly payment for my Pay Pal account. As a result, my payment was delayed. Because your account with me is important to me, I managed to catch up on the late fee. I ensured your company suffered no loss. Since opening my account with Pay Pal 6 years and 9 months ago, I have been current on all payments, except one, due to fraud, causing my credit card that pays this balance to close. Again, that is a 99 % payment rate for roughly seven years. I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now this one single payment late mark on my credit score is causing me tremendous stress. I just had a baby XXXX XXXX XXXX, and my husband and I are trying to settle down and build our home. Unfortunately, this process has been delayed with our Mortgage lender due to this missed payment. This is where my " Goodwill Request '' comes in. I desperately need this to be removed from my credit so my credit will reflect my true genuine payment history allowing my husband and I to get the mortgage necessary to build our home for our family. I would greatly appreciate it if your company would comply with the UDF Universal data Form and Fax it to the credit Bureaus to remove this late charge entirely. The credit bureaus have advised me that they will report anything instructed by you but then need to have those instructions in writing. I would also like to ensure my privacy is protected. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states ; I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency cannon furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Again, I would be grateful if this late payment reported to my credit in XXXX XXXX XXXX could be removed along with a notification sent to the Credit Bureaus of removal. Again, I thank you very much for your time and consideration. Please contact me if more info is needed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: AFFIDAVIT COPY : Affidavit in Response to Request for Tracking Number PayPal , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX As PayPal was previously informed ( See previous attachments to this dispute ), XXXX as a company did not inform me ahead of time that there would be shipping fees involved in returning a defective scanner. Their advertisements lead the customer to believe the buying process would be trouble free. Their entire approach to this product is false advertising. Therefore, I have NOT returned the product because XXXX will not pay for the return shipping. If XXXX will issue a PAID return label, like Amazon does, then in that case I will return it. If PayPal aides and abets XXXX in their schemes to defraud consumers then I will have no choice but to file false advertising complaints with all consumer protection and financial regulation agencies. And I will not choose PayPal credit for any future purchases. Regards, XXXX XXXX _ -- -- -- -- -- -- -_ -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ AFFIDAVIT 2 COPY : Affidavit in Response to Request for " credit receipt showing details of the payment '' Case ID : XXXX XXXX XXXX XXXX & CEO PayPal , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, This affidavit is directed to you personally in response to your dispute center team 's excessive requests of me to produce obscure, uncertain and unending items in a dispute resolution case. The most recent request for " credit receipt showing details of payment '' is vague and I am unsure exactly what PayPal is asking me to produce. The best response I have is a screen capture of PayPal credit 's own page pertaining to future payments due on the DEFECTIVE scanner. In view of the forgoing a credit to my PayPal credit account is due as a refund for the DEFECTIVE scanner. I see from the dispute case that XXXX has not even responded to PayPal regarding the DEFECTIVE scanner they sold me through FALSE ADVERTISING. The screen capture will be uploaded seperately. Regards, XXXX XXXX XXXX ; Attorneys General FTC XXXX CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A