Date Received: 2023-02-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The card is tjmaxxx credit card and I never opened an account it says it was opened online on XX/XX/XXXX I just see it in my credit report it says the account was closed on XX/XX/XXXX and the amount owed is {$490.00} as of today I tried contacting and disputing it with the credit card company and havent gotten an answer I never opened this account and it was used in a town I dont live in this isnt the first time my info has been stolen and used please help me its hurt and is still hurting my credit so bad.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99362
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had been doing business with Amazon like most I always used my XXXX XXXX debit card.Some how I was given an online Synchrony bank card, not a physical card in the beginning of 2022. About this time I no longer wanted the XXXX gummie bears so I called Amazon explained I wasn't happy with their product and asked them to quit sending their product and to quit billing me, Amazon said no problem a Month later I got billed again again I called Amazon again Amazon said no problem sorry you will not be billed again and I said quit billing my Amazon card ending in # XXXX they again said no problem. I was very clear since XXXXXXXX XXXX XXXX to not be sending me anymore XXXX gummies. I started seeing emails from Amazon I figured they were just trying to get me back to buy their gummies. A couple more months went by and I happened to call Amazon to tell them to quit emailing me because they said I would not be billed again, at that point they told me I have some late payments?? I was mad and paid their payments because I want good credit I had an XXXX score before dealing with Amazon, and now XXXX range. I make over {$100000.00} per year and do not need credit cards to pay my bills, this is why I always pay with my XXXX XXXX debit card.I tried to deal with Syncrhrony bank emailing them then calling they wouldn't listen to me. I even tried XXXX they only gave me a computer response .I feel cheated by Synchrony I don't deserve this on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ive asked the company and credit bureaus to remove debt that is 7+ years old. The debt keeps reappearing. The account was charged off in XX/XX/XXXX, so its 7 years and 10 months old. Please assist. Account info Account name SYNCHRONY BANK/CARE CREDIT Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$3000.00} Highest balance {$3800.00} Terms NA Payment history XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days XXXX Closed XXXX Charge off XXXX No data for this period Payment history guide Charge Off as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX XXXX FL XXXX Comment Current : Purchased by another lender. Previous : None
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied in store for a Lowes Advantage consumer credit card. I received a letter stating " high risk source of application '' a week or two later. Whatever that is. No contact information in the letter at all or any recourse. It is difficult to impossible to find XXXX contact information. I tried again approximately three weeks later at home on wifi speculating Synchrony might consider that secure. Denied again when I tried to pre-qualify. I have excellent credit, a good job and no credit card debt. XXXX reasons I should have been embarrassed in the store. Also, I am doing a large renovation project on my house so not receiving the 5 % off is costing me money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I went to make my monthly grocery purchase at Sam 's club. At the check out on that day only and only at sam 's club none of my bank or credit cards worked at check out ( those cards worked fine at the gas station before I went to Sam 's club and when I bought dinner after I left ). I was issues a Sam 's club credit card with a XXXX available credit line. The cashier sneared at me as if I was broke and told me I could get my groceries if I pushed yes on the key pad. I pushed yes. The statement came a month and a half later and I got a text message that I was late on my payments for my groceries. I was assessed at 29 % fee. When I received the text message, I immediately made a payment to pay off the entire amount of the groceries that I did not need to borrow in the first place. I did not close the account. Just paid off the entire balance plus the late fee. My account was then closed and a negative mark was made on my credit report for making late payments and an overdraft. The card was issued by XXXX Bank. I had money in my account. When I went through the line at Sam 's club there was no reason to issue me a credit, The statement was very slow to appear a charged me a late fee and financing fees, and now I have record of a canceled account overdrafted late fees on my credit. The entire account was only open about 2 months, I have contacted the credit agencies about this and attempt to contact synchrony Bank. I have been unable to reach any customer service agent because it says I do not have an account with them. Because of their predatory lending scam and the negative mark they've left on my credit, it affected my auto loan. I should have been able to get a 6 % auto loan but I had to get an 11 % auto loan. All in all about {$50.00} was stolen from me by synchrony Bank, but the total impact will be about XXXX because of their abusive credit behavior affecting my overall credit score impacting my auto loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: 2 years ago I needed XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I was offered a paymentplan using a Synchrony bank Mastercard. it was explained to me.that if I paid it off in 2 years it would be interest free, I was'nt able to meet that condition.whether right or wrong I believed this to mean that after the time expired I would pay interest on the balance.my balance is now {$4000.00}, my present bill has an added interest of {$3900.00} making my balance $ XXXX.I would have gladly paid interest on monthly basis if it had been offered. I spoke with Synchrony rep, who told me that " there was nothing he could do, I signed the agreement and that was that. ' my original cost was {$10000.00}. This is a disservice to consumers in that It is misleading, not necessry.and in the end debt trap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX XXXX : XXXX XXXX XXXX. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello, I am writing to see if you can help me out with this issue. I had an XXXX XXXX account and recently the card was closed without notice to me or my spouse. I reached out to the company and was told the account was closed due to missed payments. I had the account open for 9 Months and no issues used regularly since my wife is back home in the states and I am currently XXXX in XXXX. During the XXXX season we tried making several purchases for our kids and come to find out the account was closed out. Ultimately I spoke with the service agent and was told that I had to re-apply because my account was closed which negatively affected my credit report and scores. I did not re-apply and won't with a final decision or review of this matter. Never carried over a balance always paid in full and never had issues with payments with the exception of one simply because my debit card expired and needed a new card. They also never published my XXXX statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX, I received a digital mail from Synchrony informing me that my credit limit had been decreased from XXXX to XXXX the account 's current amount. I have an outstanding payment history, and I have purchased large-ticket things and paid them off in monthly payments. Prior to the modification My credit usage was 33.4 %, and my payment was due on XX/XX/XXXX. The final aim was to be under 30 % in order to increase my credit score. This month, I've been paying off department store credit cards according to their due dates. Walmart, XXXX, and major credit cards to a XXXX balance. My objective for the XX/XX/XXXX payment was to pay the entire amount. The credit limit was cut from from XXXX to XXXX with 95 % of the credit utilized. The strategy to detect weakness and financial default has impacted my creditworthiness. I am now in the mortgage process, home loan shopping and underwriting process with XXXX This explains " too many queries. '' Credit cards with large amounts were paid in whole or decreased to less than 30 % utilization. XXXX loan searching and underwriting. This will explain " too many inquiries ''. Credit cards with large amounts were paid in whole or decreased to less than 30 % utilization. Syncrony 's assumption about my creditworthiness is incorrect. This is not the first time Synchrony has reduced credit. I had XXXX more cards with Value City and XXXX in the same circumstance. I paid the bill in full after the decrease to prevent the XXXX % utilization recorded to the credit agencies. I was punished by having to close the accounts. Because of the credit reduction and paying the balance in full, I lost XXXX points, this is a huge impact especially trying to purchase a real estate property. Ashley furniture has suffered a credit decrease. I have no alternative but to pay the bill in full to avoid high credit usage reported to the XXXX bureaus Historically, Syncrhony will close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed this information with the credit bureaus and they have yet to remove these unauthorized accounts from my report. Ive never authorized any of these accounts with these companies. I dont have a relationship with these companies. Please remove these accounts from my credit report, they arent mines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A