Date Received: 2023-01-23
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 602 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 a 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had an account that was fraudulently opened in my name on PayPal. I have contacted the merchant 6 times to dispute the fraudulent error & they advised me that the account will be removed and all inquiries from my credit reports I have yet to receive any updates & the creditor hasnt been useful. I keep receiving different departments to contact and nobody wants to address my issue from this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We purchased a XXXX recliner for XXXX for a XXXX recline on XX/XX/XXXX and also purchased the gold plan XXXX to cover replacement for damaged or faulty craftsmanship. I used the XXXX plan to replace the top half of the chair and the company charged me in full again for a new chair and after disputing the charge they still will not remove it. They claim I still owe over {$1000.00} for the chair I have been paying on every month for 17 months and will soon lose the no interest for 18 months promotion. They also will not show the last 12 moths worth of payments I have made towards the chair on their website. They stopped updating payments made in XXXX of XXXX. I feel I have been scammed and no one in the store can or will help and I am at the point of seeking legal counsel if something isnt done to resolve this matter. I refuse to pay any interest on this item that is not even made correctly and I am already having manufacturing problems with the new chair they brought me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: PayPal accounts breached in a credidential stuffing attack on XX/XX/2023. Receiving repeated fraudulent emails to my PayPal account email from XXXX. Because email was from PayPal.com, and because I had no notice from PayPal of the breach, I called the phone number provided in the email. I hung up after they answered the call stating " excuse the call '' but now getting fraud emails and phone texts daily from the hackers of PayPal. Called to report and over thirty minutes with Synchrony Bank representative plus two different PayPal representatives. They minimized the problem and stated they were aware of the problem, but not to worry, yet I continue to get notices from XXXX XXXX XXXX XXXX of requests for payment from my account for purchases that I have not made. Requesting all protections to my credit and identity theft protections provided under the laws of the United States and all applicable states due to the breach of security at PayPal ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: They still have not answered my complaint regarding rewards. And they are also not providing me informational Statements of any kind. They charged me a late fee of {$29.00}, then another of {$40.00} - it appears they are doing whatever they want with this account, no accountability and charging any fees they want, and NOT honoring the points earned while using this account. They closed my account for no reason, I was NEVER late and they continue to do whatever they want with my account with no recourse???? see attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2022 they unilaterally closed my card. Then they added a charge that indicates " refund check '' in the amount of - {$600.00}, I have not received or cashed any check. I continually ask them to remove the charge. They said they closed my " old account '' and credited the amount back to the " old account '' which I don't have access to see or use. I repeatedly ask them to credit it to the account I DO have access to, if any. Alternatively I ask them to actually issue the refund, they keep telling me to wait and nothing is happening. When I call back they repeatedly have no records of my previous contacts. When I ask for a way to write them in writing, they argue or don't speak XXXX well enough to hold a conversation. Now they're claiming I owe them money in the amount of {$240.00}, when its the other way around, they owe me {$600.00} ( less the {$240.00} balance on the new card ). They advise me " just don't pay your bill then, if you get a late fee we'll just refund it '' ... however it is my position they are holding my money in deposit illegally without interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Credit closed my credit card without notice, without reason ( I paid every payment on time for years ). This unwarranted action reduced my credit score, and seems patently unfair and ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93444
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My issue is with XXXX Synchrony Bank credit card. I reached out to CFPB regarding a settlement but XXXX refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, L.P. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I want to file a complaint with Synchrony bank for unethical and deceptive practices towards their customers. On XXXX I signed a payment contract at XXXX XXXX for XXXX XXXX dollars a month until the full amount of XXXX was paid off. Ashley furniture stores finance company Synchrony bank took my account. I set up my account for auto payment. On XXXX XXXX the full balance amount of XXXX us dollars was charged to my bank account. I called them and they said it was a glitch in their system. The problem was fixed and I was reassured it would not happen again. On XXXX XXXX the full amount was charged again. I called them and they said they couldn't fix their glitch this time around. Leaving me penniless and over drafted bank accounts. This caused me a lot of financial scrutiny and stress. I did some research on this company Synchrony and they have over 600 complaints about this practice they use for their customers. I believe it is fraudulent and unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A