Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: There was a dispute that was resolved in XX/XX/ for a purchase made in XX/XX/ and {$6600.00} which was the amount for the dispute was credited to my account twice. {$3600.00} and {$3000.00} was then debited for the excess credit in XXXX XXXX I recently lost my card in XXXX XXXX and requested a new one. An unexplained balance transfer of {$6600.00} was made to the new card. This was taken from the automated payment from my checking account for XXXX statement payment. I have talk to countless staffs wasting countless hours to resolve this issue but no one seems to understand whats is going on and no one can provide an answer. They are difficult to reach and you talk to different person every time and start the process all over again. Synchrony is so disorganized with very poor service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I see hard inquiries on my account that I never did and I see address on my credit that I never lived at I need these thing to be removed as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received a bill from Lowe 's and synchrony regarding a charge from XXXX TX for {$510.00} which I never made. We live in XXXX NY and have never visited XXXX TX. This charge was apparently made on XX/XX/XXXX. After calling to report this matter we were informed we had to go through a process we believe violates our privacy including a video and access to our cell phone and copy of my driving license?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Synchrony Bank has been reporting and billing me for credit card repayments that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This account was charged off by the company and is still reporting a balance to the credit bureaus XXXX, XXXX and XXXX. It is my understanding that after the account is written off as a loss the balance should be XXXX.
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: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon reviewing my credit file, I have discovered several inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: company closed my account even though i have always been in good standing and never missed a payment. my score dropped because of fraudulent activity and diisputes with other institutuions and this bank decided to close my account. This is my second account because i had to reapply. this bank has a habit of closing my accounts regularly. I really need this account for my healthcare
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I still can't get support from Synchrony. Synchrony doesn't offer to reply to my complaint. I have emailed them numerous times, they refuse to reply. They are not replying to CFPB either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a {$2000.00} credit limit with PayPal, I was a little over my limit because of interest, I had made all payments and I paid the balance in full. They first added interest to the account after I had paid the balance in full the same day. Then they decreased my credit limit to {$100.00} after I had paid the entire card off. The same day the payment processed they decreased the credit limit to {$100.00}. I messaged customer service because I thought there had to be a technical issue but they told me that they had a periodic review and I would receive information is XXXX business days. I asked to speak to someone else or for there to be an additional review and they said they didnt have any additional information and that I would receive a letter. I stated that this was unacceptable that customers should be rewarded for paying off their accounts not punished and they didnt have a response. I said I wanted to close the account and they closed it. This is incredibly bad practice, for me to pay off the entire balance them to slap interest on it the same day, I pay the interest, and they lower the account by {$1900.00} dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A