Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was graduating with my XXXX in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to adjunct for my university. I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was XXXX XXXX that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get my degree in mathematics and eventually a XXXX in math. I had to reinvent myself. Thank you for your time in reading this.
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: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There are 2 charges for {$57.00} posted XX/XX/2023 I didnt authorize or make. Disputed There 2 charges from XXXX XXXX 1 charge {$120.00} I returned both item I received on XX/XX/2023 through UPS and I have a tracking number. 1 charge & 3?.? I cant see the chart but I had disputed this with the bank item was canceled before it would ship because it wasnt available. I closed that card and waiting on a new card. Seeking refunds of : {$57.00}. Unauthorized {$57.00} Unauthorized {$120.00} returned merchandise XXXX XXXX tracking : XXXX {$3.00}??? Canceled and unauthorized XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX, 2023 Marshalls XXXX XXXX company card, I did report, and I never used that card amount XXXX dollars, they start sending me bill. If some one used my card how come they put my information to cashier? Marshall customer service representative took my call and he said I am transferring my account to different account and you dont have to pay nothing, but I asked him to close my account he said ok, he did, but now they start sending me bill with late fees. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I have an account with SYNCHRONY or SYNCHRONY BANK, High Yeild Savings account. I placed a request to do Wire Transfer money on XX/XX/XXXX Monday evening, but today XX/XX/XXXX close to XXXX CST, still Bank not started this wire transfer request. I called and talk to their multiple accounts managers and non of them have any clue what is going on. I don't know why they are not completing this wire transfer request or not even started yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/ - end of cycle for this Sychrony ( Amazon ) credit card, I updated my auto-pay from " statement balance '' to " minimum balance ''. Their system showed my scheduled autopay as updated from {$550.00} to $ XXXX. I then added a manual payment of {$350.00}. Their system showed two pending payments of ~ {$30.00} and {$350.00}. They then processed a payment of {$550.00} and {$350.00}, overdrafting my account and costing me multiple overdraft fees and putting my credit card balance - {$240.00}. Their system did not display the correct amount, and they are only willing to mail me a paper check to refund the negative balance several weeks from now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
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 was just made aware of an unauthorized fees on my account since XXXX, I called Lowes Synchrony and was told to call XXXX XXXX. This is a formal request to dispute all charges from XXXX from XXXX XXXX as I did not sign up for their services. Attached is a copy of the dispute form along with a detailed workbook requesting the return of {$10000.00} plus any associated interest and late fees on my account. XXXX XXXX could not provide any proof regarding these transactions. I received all copies of credit card statements yesterday, XXXX XXXX, and have performed a detailed audit. I did not ever agree to signing up for this " service '' from XXXX XXXX as my credit card was set up in store.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is regarding a credit application for American Eagle ( retail store ) /SYNCB. I was offered a 35 % discount I applied for the American Eagle Rewards credit card. I was told that this application would be a soft inquiry and would not have an impact one my credit score. I was also told it would come off o my report in 30 days. This was a lie. These 2 applications are in act, hard inquiries, and will remain derogatory marks for 2 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I received an email from my Sam 's Mastercard telling me my mailing address had been updated but I did not request this change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
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 a purchase of {$410.00} on XX/XX/XXXX that was supposed to ship out and never did. I reached out to the company that I purchased this from on XX/XX/XXXX. I did not hear a response by XX/XX/XXXX, so I sent a follow-up email regarding my request. On XX/XX/XXXX, I finally received a response letting me know that I could cancel the order, minus a 10 % cancellation fee. When I found that out, I told them that I would like to keep the order, but did not hear back. On XX/XX/XXXX, I filed a chargeback in the full amount through PayPal Credit and through my PayPal account ( two separate disputes ). On XX/XX/XXXX, I finally got a response from the company I purchased the product from, stating that they would be happy to ship the product out that day if I canceled the dispute. I did not respond, as I wanted to continue the dispute. On XX/XX/XXXX, I received an email from the company I purchased the product from, stating that my order was refunded, with a chargeback and - {$410.00} listed on the receipt. On XX/XX/XXXX, I received a charge for {$410.00} on my account ( again ). On XX/XX/XXXX, I received a letter from PayPal Credit, notifying me that the dispute did not end in my favor, and that the charge was placed back on my account. On XX/XX/XXXX, I reached back out to PayPal Credit to dispute the purchase again, citing the new receipt that I was given stating that I was going to be given a refund by the company I purchased the product from. On XX/XX/XXXX, I checked the status of the dispute to see that it was closed again in the sellers favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A