Date Received: 2023-02-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: DEAR SYNCB/PAYPAL CREDIT CARD ( XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have tried to get a refund check back from JC Penny 's Credit Card. On XXXX Check # XXXX issued never received. Asked again on XX/XX/XXXX check # XXXX never received. Asked again today XXXX will send another check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I went to purchase a vehicle from XXXX and XXXX they ran my credit to multiple banks without my permission and then denied me the auto loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY FINANCIAL ( Finance ) XXXXXXXX XXXX XXXX all reporting negative on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi, I noticed today XX/XX/2023 that I received a credit card from XXXX XXXX on the mail but I did not apply for the credit card. I called the credit company and the card was applied for in Georgia, I live in Florida, and the card was applied for at a XXXX ' store and used for a purchase of {$290.00}. I was advised to freeze my credit on XXXX and while doing that I saw on my credit report that another credit card was open with XXXX XXXX XXXX and a purchase of {$5900.00} was made on XX/XX/XXXX. I filled a police report but I am worried that other accounts will be open under my name because whoever applied for the first 2 credit cards have all my information, including social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Synchrony Installment is violating multiple laws and my rights as a consumer. They or reporting incorrect information to the credit bureaus the account balances across the bureaus or not matching or the same. They or constantly calling my phone and sending certified letter exposing my personal business. Creditors is calling before XXXX they or mailing stuff and one the envelope they or disclosing who they or..Accuracy of the account is not correct across the credit bureaus
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: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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 sent a letter on XX/XX/22 to XXXX XXXX regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony bank / XXXX XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all XXXX bureaus and this is a violation of the FCRA because all data furnished should be the same. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 45 days since my letter to this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75253
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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 sent a letter on XXXX/XXXX/22 to JC Penney regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme XXXX. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. Also, due to covid, I was on deferment so there should be no late reporting per FCRA. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75253
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: During the transition of the BP credit card from Synchrony to XXXX, I made a payment of {$120.00} on XX/XX/22 to Synchrony. While the balance on my card was transferred over to XXXX, that payment was not. I contacted XXXX first asking about the missing payment and was told to submit proof of payment which I did. In following up with XXXX, I was told theres nothing they can do because Synchrony is refusing to work with them for all customers with this same issue. I called Synchrony and they just transfer me back to XXXX. WHERE IS MY PAYMENT? It cleared my bank on XX/XX/22 but neither company claims to have it or be able to resolve it and return the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60172
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: XXXX XXXX I opened a Synchrony Bank Care Credit Card to assist in paying for my wife 's XXXX work in XXXX due to financial hardship in addition to the fact I was bringing in low/no income from NC Unemployment and was in the middle of a SSXXXXI case. In addition, I purchased the XXXX XXXX through Card Security ( another Synchrony Product ) for an extra approx. {$30.00} per month just in case something were to happen rendering me unable to pay the bill... such as becoming XXXX XXXX XXXX I was deemed XXXX by the Federal Government which was retroactive back to XX/XX/XXXX and financial hardship become greater. XXXX XXXX I had to the XXXX XXXX because it became too expensive but was told by Card Security that I may have some if not all of the balance waived due to the fact that I am disabled. I was approved for a couple months to be waived but denied the full balance to be paid because I was not holding the CC nor the XXXX XXXX at the time I was deemed XXXX ( XX/XX/XXXX )... It went on back and forth like this for many months as a received a few more payments waived but still the same denial for the whole balance as stated above. Each time, I advocated that my claim is valid arguing that it does not make sense since I did not need the Care Credit Card or XXXX XXXX back in XXXX of XXXX, I needed it in XXXX of XXXX ; but also that because I was deemed XXXX retroactively, XX/XX/XXXX should be covered and I am entitled to utilize the full balance payoff benefit. I called and escalated multiple times now for almost a year and climbed the ladder to the office of the president and CSR XXXX XXXX, who has since left with no further phone number or contact person and bumps me back to the XXXX # to start at the bottom. When I call, I'm able to escalate to a resolution team but refuse to give me any real Corporate Contacts info in order to get this resolved. This is discrimination against me considering I am legitimately XXXX- their loophole is false advertising and disinformation ( illegal ) combined with their unethical lack of accessibility to anybody that can actually help. It is unjust and wrong on so many levels. My question is that if my argument was not valid and I was/am not eligible to use the insurance, then why did they waive approximately 5-7 payments? It is disgustingly obvious that these companies purposely try to wear us down by sending us back into the bureaucratic cycle while corporate does nothing but sit back and collect their money. I've seen it over many companies too how Corporate refuses to deal with people like myself and count on us giving up. So never give up and keep fighting for yourself ... .the more people that do this will create a louder message for some policy changes that will travel up the chain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 XXXX XXXX XX/XX/22 PayPal XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A