Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have had a credit card with XXXX XXXX for 1+ year. I was PUSHED by a sales representative to take out a credit card for them to purchase a couch. I rejected at first because I did not want a high usage ding on my report. The couch was no more than {$2000.00} and it was explained to me that the credit limit would be {$4500.00}. I figured it wouldnt be maxed so not too bad and agreed. Once I got the card, my limit was actually {$2500.00} which meant my usage was MUCH MORE than I thought it would be. Not only did this company get my address WRONG, along with my NAME I was unable to make a payment online because I hadnt received the card. I called them after 2 months of no card and thats when I realized something was wrong. They ended up reporting 2 late payments to the credit bureaus and in turn, made my credit go down. Since my credit went down, they lowered my credit limit to LESS than what I had owed on it. I called eventually and explained please fix this and that they were the reason my credit lowered and finally removed those charges. THAN had the audacity to request a larger limit on my bahalf ( NOT APPROVED BY ME ) and it was rejected which than made a hard inquiry and made my score worse. Now every month after I have made a payment they keep lowering and lowering my credit limit making it IMPOSSIBLE for my usage to go down on this card. This is SUCH BAD PRACTICE. Please advise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33510
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony bank has told me over the phone that I should immediately mail payment ( the day the bill is received ), but their payment processing window is 10 days. I have been charged ( and disputed ) a late fee every month since I opened this card to purchase art. In XX/XX/2023, I specifically called the day I received my statement to tell them it was already within the 10-day window. They offered to take payment over the phone, but the representative barely spoke English and my trust is already broken. I mailed the check with signature confirmation. It was received and signed for by Synchrony on XX/XX/XXXX. The check ( {$15000.00} payoff ) has still not processed and as of XX/XX/XXXX I am being told it will be considered late as of today and they are claiming they do not have it. They offer a no interest card, then work very hard to charge late fees since they arent getting money in other ways.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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 opened an Amazon Synchony Credit card to paid for a purchase of two electric bikes on Amazon on XX/XX/XXXX for {$1300.00}. The bikes delivered about two weeks later and it was not in proper working condition. As advised by Amazon to work with the seller and I did for six months with no progress from the seller. The seller missed multiple dates that he promised to send the battery and other parts. I did everything that was asked by Amazon and seems like they are just telling me what I want to hear and buying time. The last conversation I had with Amazon in early XXXX was the purchase was too far out and they can not do anything about it. I went to Synchony Bank which is the credit card the transaction was made but they didn't help much. I have provided Synchony documents of conversations I had with the seller that he is not fulfilling his promised that Synchony should reverse the transaction. Synchony did not reverse the transaction and I'm stuck with broken bikes and {$1300.00} in debt. I'm sorry but the seller is a con-man and I'm stuck with the bill. Multiple times that this seller mentioned that he does not want his bikes back and not sending me a paid postage label. I really need help on this because I felt like Amazon, this seller and Synchony Bank are not reasoned with me and protecting the bad faith seller and I'm stuck with the bill. Any help with this would be greatly appreciate it as I don't know any other way. I do not want this to ruin my credit that I worked really hard for for many years. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX ( Amazon ), XXXX ( Pay Pal # XXXX ), XXXX ( Pay Pal # XXXX ) was made with the proper clauses and provisions based on banking law in the amount of XXXX, XXXX, XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Synchrony Bank on XX/XX/2023. They accepted my instrument but did not credit my account correctly I did call and spoke to an XXXX and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My purse was stolen on XX/XX/XXXX XXXX while visiting XXXX, XXXX. I had a Venmo Debit card that was stolen. 3 purchases were made on the card. XXXX. {$830.00} at XXXX ( store # XXXX ) XXXX. {$48.00} at XXXX XXXX XXXX XXXX {$43.00} at amazon I have contacted Venmo on multiple occasions. On XX/XX/XXXX I received a credit for {$43.00} and on XX/XX/XXXX they reclaimed the credit. I filed a police report with XXXX XXXX on XX/XX/XXXX. I am attaching proof of email interaction as well as transaction info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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 requested an open dispute 4 or 5 times by phone but all of those disputes disappeared from the record. So I still don't get a refund. {$64.00} XX/XX/2023 Marchant : XXXX XXXX. The agent ( Email ) is still suggesting reopening a dispute. I'm tired of opening another dispute and disappearing disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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 applied for a credit card with Amazon.com. I received the credit card in the mail but never activated it. Someone fraudulently opened the account and charged some movies months ago. Amazon acknowledged the fraud and zeroed out the balance then closed the account, at my request. As far as I know, the account is closed. I keep receiving emails and I just got a statement in the mail with a balance. Ive attempted numerous times to resolve this over the phone and it has taken hours but its still an issue. I had a different Synchrony account when I purchased furniture to furnish part of my house and didnt have issues with them then. It appears their customer service has taken a turn since then. They claim I have a balance ( {$33.00} ), but I respectfully disagree. I called last month and asked if this would adversely affect my credit and was told no. I was told that their fraud investigation could take up to 90 days if memory serves. Im not sure when they opened it but the fraud took place at least 2 months ago. This is all very disappointing and frustrating. I plan on attempting to also file complaints with the CFPB and the attorney general.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I got a phone call from a courier service ( phone number XXXX ) who left a message that they are trying to serve me with papers for a judgment against me. In the message, they said if I wanted to find out more about this to call XXXX. I called that number and the person who answered said she was with XXXX and XXXX lawyers. She proceeded to tell me that I owed over XXXX to a company called CareCredit and that I owed it since 2012. Theyve been attempting to find me and serve me paper and I should have gotten papers in the mail telling me all about this. She was extremely rude and wanted me to verify all my information. I told her I wasnt comfortable doing that, but she wouldnt tell me anything until I verified at least my birthdate, which I did. I didnt verify my social or address with her although she told me the last XXXX of my social and my address. I did not refer either with her. Obviously I was upset. I called CareCredit ( XXXX Synchrony Bank ) to make sure this was a scam. A representative from CareCredit could not even find me in their system. They sent me to their bank recovery department and they couldnt find anything either. Their exact words were the account is satisfied and closed. So this is definitely a scam. Im worried because I verified my birthdate with her. Im also a XXXX XXXX survivor and my address is supposed to be protected, yet they knew I had moved almost a year ago. What, if anything, can I do so this doesnt happen again? Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A