Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Back in XX/XX/2019 I contacted Care Credit regarding them reporting to the credit bureau that I was late for XX/XX/2019. I was never late. I talk to a female customer representative and was told they would contact the credit bureau and report as not late. Its been years and still no change. Please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a PayPal credit card account in my name in XXXX of 2021 and kept charging to the account and didnt pay any balance and ruined my credit. The phone number to reach PayPal is XXXX XXXX XXXX XXXX XXXX Florida XXXX I dont have a full account number because I didnt open this account. I would like to report this as fraudulent someone stole my identity to open this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 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 an 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX. Account : XXXX. Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXXXXXX XXXX Center. Account : XXXX Account : XXXX XXXX XXXX. Account : XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 A Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conditions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 learned about the fraudulent transaction when I received a bill in the mail from Synchrony Bank. I thought this credit line/credit card was closed when it was paid off four years ago. I reached out to Synchrony to file a fraud investigation. They were very unprofessional, transferred my call many times and then disconnected the line. After several attempts, I learned someone went into XXXX XXXX XXXX in the XXXX, NY and made a purchase for my max credit line of {$11000.00}. The person showed a photo ID and a XXXX credit card. I informed Synchrony that I do not have a XXXX credit card ( something that can be easily verified through my credit report ) and that I was no where near the XXXX, NY on XX/XX/2022. I further explained to Synchrony that I was working for my employer, had a swim session for my son, and a dentist appointment that day. Three different places that can validate my location in XXXX New Jersey. After months of gross negligence and failure to properly handle my case I filed a police report. The police report was filed on XX/XX/2022 with the XXXX XXXX Police Department. Case # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08055
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hey there, I have a Care Credit card from Synchrony bank and I recently started using it for my pet 's vet bills. I was going to pay off the full balance recently, however, I looked over the activity to verify everything was there. I noticed there was a " Card Security '' fee that was charged 6 times that ranged from XXXX dollars. The total from this charge was around XXXX. I do not remember signing up for card security as this card was set up in XXXX of 2014. As a general rule, I never opt in for the " Card Security '' that credit cards offer. I tried calling to cancel however, the phone number on the charge would not answer. I then tried calling the Synchrony credit customer service and they could not verify my address from 2014 when I listed all my addresses and phone number. They said they would escalate the issue and have someone call me back in a couple days but no one has reached out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
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 at Lowes at XXXX XXXX XXXX XXXX on or around XX/XX/XXXX of XXXX for a new washer and dryer plus hook ups and Insurance. on delivery day it was not delivered. sometime after I was being told that there was a double order so the lady I spoke to at the warehouse made the decision to cancel the entire order and do another one.but this double would go away. I contacted the store several time as well as Lowes and the warehouse.i cancel the order but it never went through. the issue wasn't being handled just like it hasn't til this day.they continue to charge me. they have unfairly closed my card with no fault of my own. because of what they say is non payment for something that was canceled several XXXX. they claim they return the money to the store and all types of weird things and they wanted me to pick this money up that didn't belong to me.i went to Lowes to see what was going on after a guy with a possible fictitious name ( XXXX XXXX XXXX never did his job and this has cost me my card.that money is still sitting in a store at a different location and they think they are gon na run me around on wild goose chases and im not comfortable with how they made me feel at my Lowes near my home. I must add that this particular store has target me since XXXX canceling orders and doing plenty of weird things all the way back to an HR worker coming into my home to show me how to use my appliances, that was very weird because afterward this woman stalked and harassed me and nothing was ever done about her but she was defiantly the one behind canceled orders of mine. and a lot of other things happening to me. XXXX a manager at the store has also been an issue. I would like to know if you could look into this. please and thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/23 I called to close account and have the funds ( over XXXX ) wired to another bank. XX/XX/23 they closed the savings account. But as of this date XX/XX/23 have not received any of the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified by XXXX XXXXXXXX XXXX of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. XXXX XXXX XXXX responded with account summaries and a letter from said original creditor JCPENNY. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The lender must file Form 1099-C and send you a copy if the amount of debt canceled if debit is XXXX or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you filled the account as canceled debt! SYNCB you are furnishing inaccurate and incorrect information to the consumer reporting agencies. As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! You have no permissible purpose to furnish this information on my consumer report! By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A