Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor stopped accepting my payments and then marked ME as late on an open account. In accordance with the fair reporting act Synchrony Bank/ PayPal has violated my rights. Under 15USC1681 section 602 states : I have the right to privacy. 15USC1681 section 604A section 2 It states that a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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 own a XXXX credit card issued by Synchrony Bank. The account number for it is XXXX. Someone other than me made some purchase on the card which I reported to Synchrony n XXXX, Initially the reversed the charges and reissued me a new card. Then the charges reappeared. When I inquired with Synchrony again, they told me that my dispute was declined and when I asked why it was declined, they said because these purchases which required XXXX to send a download link were sent to me and that the softwares were downloaded using my email address. This can not be true for many reasons of which I have outlined a few below. XXXX. XXXX always sends and email after purchases and follows up with a link to download digital purchases. There are no records of me getting either from them. If I didnt get it, XXXX would have no record of them sending these confirmation emails to me. XXXX. XXXX always follows up with a phone call after you place an order with them to confirm them receiving the order. There is no record of them calling me around the time when these orders were made. I am happy to submit my bills for the phone nmber that I have registered with XXXX as proof. XXXX. My XXXX Sales Engineers name is XXXX XXXX. I have worked with him for a very long time. He can be reached at XXXX XXXX XXXX. He ALWAYS calls me when I make a purchase. XXXX and I have talked about these fraudulent purchases and he knows that he never called me to confirm these purchases. XXXX. I am a musician hobbyist and the most of these purchases that were made, I wouldnt know what to do with them since they are for other types of music composition. There is one purchase that was made for a software and that is a software that I would never need because I have had that for more than a year. I bought it directly from the manufacturer more than a year ago and have proof of it. There would be no reason for me to have 2 software of the same kind. That is like buying an identical version of XXXX XXXX when you already have one. XXXX. If Synchorny wants to validate that these softwares were never downloaded in my computers, I am willing to give their investigators an access to my LAN so they can check all the computers at my house for records of these downloads only to find nothing. I have outstanding credit history and an impeccable history with all my creditors. I have credit cards that have 10 times more credit limits that my Synchrony card and had I fancied credit card fraud, I would commit them with these cards. Moreover, if I really wanted these softwares, I can afford to buy them without having to potentially commit a crime and rish denting my history which has nothing except for a few traffic tickets.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98021
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been trying for two months to pay my PayPal / Synchrony Bank credit card payment. The moment the payment is a day late, they block access to the online account and force the consumer to call. I don't trust over-the-phone payment systems and don't need to tolerate verbal abuse by their billing agents. This is not the first time this company has used this abusive billing practice to prevent customers from making their payments online and reviewing charges on their accounts. Last time I found several charges, but by the time I was able to access my account, it was too late to file a claim. This is not fair debt collection. I've requested at leas t two or three times a week via e-mail service that they unblock my access so I can pay my payment. I'm now about 40 days past due, which is going to impact my credit because they refuse to allow me access to make my payment. When I did call the number, it said there was no account associated with my phone number. Their systems do not recognize me, yet they call me several times daily and send text messages and emails daily, but their system claims no account exists. They're trying to force me to talk to their collections department on the phone and give my full social security number so they can locate my account, and I am not providing that information via the phone. This seems to be an unfair business practice when there is no way for me to make a payment. I have no checks, I've always paid bills online. I can not access statements or activities and have no way to know if any unauthorized charges have gone through. All my statements are in the online portal because I have paperless billing. Even though I have been struggling between jobs, this is the ONLY account I am behind on, which should tell you something. Their practices are preventing me from paying what I owe. If they want me to pay, they need to stop arbitrarily blocking access to my payment portal so I can actually submit a payment. I don't have a physical card for this account. I haven't used it in months and did not realize it had been lost, likely when I moved six months ago. I can't even send a cashier 's check to their billing address at this point, because I do not have the full account number. I've sent this request so many times via their e-mail customer service, yet they refuse to even acknowledge my messages or attempt to resolve the issue so they can collect payment. This should not be an impossible request, and they should not be able to ignore my countless requests to access my account online or in the app. Both m ethods disallow access, claiming no account exists. If no account exists, then I guess I do not owe them money. If they want to be paid, they should allow customers to pay how they feel comfortable. These kinds of punitive practices should be disallowed if they aren't already. Fair debt collection is just that : Fair. This abuse of process is not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The debt on this credit card was dishharged and eliminated from collections but it still appears in the credit history
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ashley Furniture HomeStores/SYNCBis u nder violation of the law, according to the letter from a previous dispute. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the c onsumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. The term affiliate means any company that controls, is controlled by, or is under common control with another company. Ashley Furniture HomeStores/SYNCB states in the letter that the account was charged off and placed with XXXX XXXX XXXX XXXX XX/XX/2021. Ashley Furniture HomeStores/SYNCB later states in the letter that the debt has not been discharged. This is unfair and inaccurate reporting. The debt should not be showing as " charged-off '' on my consumer report. Subsequently, creditors are obligated by law to report fairly and accurately to the consumer agencies under the FCRA. " We will continue to report the status of your account to credit bureaus '' " Since Synchrony Bank has not discharged this debt, a Form 1099-C has not been issued. " SYNCB completely disregards the law from the IRS and the FCRA. Please remove this account as being " charged-off '' from my consumer report. SYNCB has an obligation to follow policies and procedures under the FCRA. The letter shows that the communication to XXXX XXXX XXXX, that they are in clear violation of FCRA and uses unfair debt collection practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner that isn't fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and relevant. The continued reporting of such information means improper utilization of my information. XXXX data breach I am promised accuracy in my report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report. Under 15usc 1681 all valuable accurate information should be removed as you can see in your system you can't see this information in your system I will ask all negative remarks, hard inquiries, and collections be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have an XXXX credit score. We have two accounts already with Synchrony Bank. About 2 months ago I applied for a Sams Club card with Synchrony Bank, and received a card and activated it. I called and requested a card for my wife so she could use the card. Customer service said it would take 30 days before they could send one. I told them if they could not be accomodating, to close the account.Was told there had been an address change. We have had the same address for 21 years. On XX/XX/XXXX, I made an application again and when I called customer service was told it was rejected. Could not get a reason why and didn't know how to get card. I wrote letters to the president of Synchrony and Sams Club, with no reply. I spoke to 6 different departments over 30 minutes and got no answers. Apparently Synchrony Bank customer service is in disarray Still would like to get the credit card, but someone must get Synchrony to correctly service consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2023-03-16
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: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
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: Was not notified of investigation status or results
Consumer Complaint: I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PayPal ( PP ) notified me via email I had a negative balance of {$5000.00} with no explanation. I attempted to get information via PP customer service chat and was denied any information. I called PayPal Credit ( PPCredit ) days later guessing they may have information. They could see the transaction amount, but saw nothing wrong. They forwarded me back to PP Investigations and Regulatory Dep saying they couldnt fix the issue and only PP could. PP Investigations told me I was refunded twice for a dispute. One by the merchant and one by PPCredit. He refused to assist me in having the account fixed property and instructed me to pay or contact PPCredit. He was rude, I lost my temper and asked for a manager. XXXX XXXX was similarly no help. She claimed there was no way to speak with PPCredit to mediate a better solution and claimed she didnt have a supervisor or anyone to escalate to issue to. I called PPCredit back and shared what I was told by PP. They explained to me after a review of my account and a conference with their manager that PP had made an error and needs to solve the issue with the merchant, not apply a negative balance and not restrict my account. Their position was that PP needs to follow the proper policies and not make it my fault. I called PP back and shared this information. The customer service agent said my dispute with the vendor was denied originally because the merchant sent a refund on their own on XXXX XXXX therefore PP had made a mistake issuing a second refund. I was forwarded to speak with PP Chargebacks department which unfortunately was Investigations again. I was run around in circles again by XXXX XXXX. I explained I was being unfairly bounced back and forth between PP and PPCredit and that they needed to contact each other and get on the same page to properly adjust my PPCredit account. She told me she was going to put me on a three way call with PPCredit, but it was a lie to attempt to get me to admit to something I was never denying in the first place and then began talking in circles again. I lost my temper regarding the lie. After requesting a manager I was hung up on. I later decided to give PP Credit another try. After explaining the entire situation again the account specialist reviewed my situation saw that there was an accounting mistake made and explained he was going to conference with an accounting department to fix the issue retrospectively to XX/XX/XXXX. When he returned he explained Accounting wouldnt help after all and suggested I initiate a dispute with PP online resolution center. So yet again I was being bounced around with no real results. I got him to admit he was an offshore third party contractor paid to be an account specialist for PP Credit and not an actual employee, but he could connect me to an onshore representative who actually works for PP Credit. I was transferred and spoke to a very unhelpful, rude representative. He transferred me to a supervisor as he was no assistance and stated the problem could only be addressed by PP. His manager claimed that she started a dispute to the back office team and it would take 1 to 2 billing cycles. She stated there was no one else I could escalate to and I ended the conversation. Every representative claimed they couldnt solve the problem and I needed to call the other company. Its clear together, these customer services are designed to only discourage customers and create and attritional response from the customer to force PPs agenda. My PayPal and PayPal Credit accounts have been restricted and PP keeps sending emails for debt collection. PayPal Credit needs to adjust the account retroactively at the time their error was made and reestablish my account as it should look and cancel their request to PP to aggressively collect. This isnt the first time funds have been inappropriately applied from the PP Credit to my PP account. Id like to be contacted by PP Corporate and or Synchrony Bank who owns PP Credit at this point, since customer service agents are unable to affect an appropriate outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A