Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX my girlfriend and I went to XXXX XXXX to purchase a reclining sofa and recliner chair. We found a set we liked. The salesman gave us paperwork to fill out. Both of us. Our names, address, income, etc. After a while a lady at a counter called me up holding the phone to her chest telling me, " If the bank asks, tell them you make {$5.00} a month. '' I asked why but she said nothing. I thought she was joking because I spoke with the bank and they didn't even ask me about my income. The salesman approached us telling us we were approved for the furniture we wanted. Great. I assumed it was a {$2500.00} approval because that's how much the furniture cost. Come to find out on XX/XX/XXXX that was not the case. The furniture store did in fact tell the bank I made {$5000.00} a month. I don't even make {$1000.00} a month. The fact that the furniture store lied to the bank is fraudulent. They committed fraud with my name and information. The bank gave me a {$10000.00} line of credit. When I called the bank they told me the reason being was because they were told I made {$5.00}. I told them that was a lie and they needed to remove it from my credit report. All XXXX did was update my credit with the bank. I want it removed. I DID NOT ask for that much credit. It has hurt my credit. The bank refuses to do anything about it and XXXX won't remove it. I want the account completely removed. I told XXXX it was fraud from the get go. I'm taking the furniture store to court for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77075
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have tried to call Synchrony Bank for the XXXX XXXX Credit Card in the past to provide my contact information and I was forward around to other department and direct to an attorneys office to be sued. Today, XX/XX/2023, I attempted to contact Synchrony Bank and provide my information. I spoke to XXXX and she gave me the number XXXX and transferred me. The call disconnected after the prompts I followed to press XXXX. I recently got a name change and I was trying ensure its updated everywhere, however, it seems as if no one wants to update my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I feel as if I am being discriminated against for trying to update a name change and pay a bill. I am not treated fair or with dignity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The company below failed to do a proper investigation of my credit report. according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. Accounts : Syncb/ Care CreditXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In a debt Consolidation program gave them the info a dozen times and they still harass me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
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 would like to file a complaint on XXXX because I have been disputing two accounts XXXX XXXX and XXXX XXXX since XXXX XXXX XXXX XXXX results always come back Updated and XXXX has supplied me with many results over the course of my 1st initial dispute and my recent results. In every results XXXX generates for me there is NO NOTICE OF DISPUTE in the COMMENT CURRENT section in regards to each account. XXXX XXXX has a current comment Account paid in full for less than full balance XXXXXXXX XXXX has a current comment Account closed at credit grantors request To my understanding in the FCRA 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5 business day period beginning on the date on which a consumer reproing agency receives notice of a dispute from any consumer, the agency SHALL provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice SHALL include all relevant information regarding the dispute that the agency has received from the consumer. Since XXXX has generated me with results over the course of my first initial dispute regarding both of these accounts. XXXX is claiming under oath that XXXX has sent notice of my dispute to these creditors including all relevant information. According to 1681s-2 ( a ) ( 3 ) these creditors have a duty to provide a notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is dispute by the consumer. Both of these accounts DO NOT have a notice of dispute nor have ever had a notice of dispute proving that a investigation has been conducted properly by XXXX or these creditors. My last indirect dispute sent to XXXX was on XX/XX/XXXX was based on the fact that there was no notice of disputes in the comments sections of my report.XXXX has generated me with results on XX/XX/XXXX and AGAIN these accounts come back updated with NO NOTICE OF DISPUTES in the comment current section. If you look at the BEFORE and AFTER results on BOTH of these accounts you will see that there has NOT BEEN ANY UPDATES nor has there been any indication that theses creditors have even reported any new information because the Balance Updated shows INCOMPLETE information. If these creditors updated information with XXXX then the dates these creditors updated the information should reflect on the Balance Updated field. I DO NOT believe XXXX is following proper procedures under FCRA 1681i ( a ) ( 1 ) ( A ) and I think XXXX is just generating me results thinking I am going to give up on disputing which I am not because it is my right to dispute anything on my consumer file that I believe to be inaccurate. The way both of these accounts are reporting is INACCURATELY and INCOMPLETE and I also DO NOT believe that XXXX is following reasonable compliance procedures to assure all reported fields are to the maximum possible accuracy before preparing me a new report 1681e ( b ). XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance Updated INCOMPLETE -Balance INCOMPLETE -On Record Until XX/XX/XXXX INACCURATE according to the Payment History the date of deliquency was on XX/XX/XXXX XXXX dont even know if the payment history is fully accurate either. -Comment Current INACCURATE and INCOMPLETE ( no notice of dispute ) XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance INCOMPLETE -Balance Updated INCOMPLETE -I dont know if the payment history is fully accurate either. -INCOMPLETE On Record UNTIL ( required information to report 1681c ( c ) ( 1 ) ) -Original Balance does not apply to this revolving account ( INCOMPLETE CREDIT LIMIT FIELD ) -Comment Current is INCOMPLETE and INACCURATE ( no notice of dispute ) Bottom line I do not understand how XXXX can generate me with many results since my first initial dispute XX/XX/XXXX but these accounts do NOT have a notice of dispute proving there investigations were all legal and proper. These accounts still reflect inaccurate and incomplete information therefore under 1681i ( a ) ( 5 ) ( A ) ( i ) XXXX was required to delete these items a long time ago if they simply could not modify the errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75604
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Credit limit changed
Subissue:
Consumer Complaint: I have an account with Synchrony Bank for a Discount Tire card. I have made every payment on time and never been late. They lowered my credit limit and it effects my credit score because my utilization went up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
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: Hi, I bought the new cell phones from XXXX XXXX XXXX on XX/XX/XXXX ( inside the XXXX 's Club ). When I received the order from XXXX XXXX XXXX it was completely different than what I have ordered. So, I contacted the XXXX XXXX XXXX ; they cancelled the order and input the new order and asked to return the items via XXXX. I returned the items on XX/XX/XXXX via XXXX. XXXX, I haven't received the money back, however XXXX XXXX XXXX charged me for new order. I am frustrated with the Synchrony Bank XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX customer service departments. I have filed dispute multiple times with both, but they are giving me run around or in other words not taking any action. I have made over 25 calls to the XXXX XXXX XXXX customer service department ; and they opened multiple case numbers, and I was told that notes have been added to the account and the money will be credited back for the XX/XX/XXXX transaction i.e. XXXX and XXXX dollars. I haven't received anything back on my credit card so far. Synchrony said they do not have enough information to process a dispute whereas when i spoke with XXXX XXXX XXXX manager ( XXXX ) on XX/XX/XXXX. He asked me to file dispute with the credit card company because he is unable to push the charges back. Today, I spoke with Synchrony customer service department acct manager XXXX employee ID # XXXX on XX/XX/XXXX ; besides his unprofessional behavior he flat out told me i need to go back to XXXX XXXX XXXX. when I asked to talk to his manager he said they do not talk to the public. Then he transferred me to XXXX, she was pleasant but couldn't help me to resolve the issue and asked to go back to XXXX XXXX XXXX. I cancelled the service on XXXX confirmation number- XXXX with XXXX XXXX XXXX rep name XXXX over the phone @ XXXX XXXX Then, He input the new order and charged another card for XXXX and XXXX and assured me that the cancelled order money will be credited back to the card as soon as I hand over the phones to the USPS for return. I returned the items with XXXX XXXX XXXX provided returning labels on XX/XX/XXXX with USPS tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX. All the items have already been received by the XXXX XXXX XXXX. Neither Synchrony Bank nor XXXX XXXX XXXX is willing to give me my money back. Synchrony bank rep was very unprofessional. I am very frustrated with their process. I requested to speak with their ( XXXX XXXX XXXX and Synchrony Bank ) regional management to resolve the issue both representatives said their seniors do not talk to the public. Synchrony bank rep XXXX even gave me the name of his manager i.e. XXXX, when I asked for the name of the head of customer service department, they refused to give me and said our head of department will not talk to you. -- very frustrating!!! and they are in customer service department. whereas XXXX XXXX XXXX, so far none of the senior manager returned the call, I have requested may be over 20 times to speak someone with authority to resolve this dispute instead every XXXX XXXX XXXX rep love to get the sale from me and blame the previous rep for not doing the right things. but no one wants to resolve. XXXX XXXX XXXX opened the multiple cases for me and told me that they have added multiple notes on the account and issue should be resolved soon, but as of today it is NOT. I am asking for help to resolve this issue ASAP. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 623 15 ( c ) reporting 1561 I had recently been in*2 car accident ( 1 ) year apart and I work really hard to pay off debts for the entire year. My credit score went up XXXX points. But, recently as points of XXXX was reduced and total of XXXX points was removed but, they should have been added instead. I have reached out daily. I spoke with a client that didn't know the difference from an installment loan to a credit card loan. ( considering )!! I receive email alerts that keep me informed of any updates. I was told 3 different times that my points were going to improve by first XXXX points, then XXXX points then XXXX points but instead the reduced them. I just paid off bank settlement with XXXX bank on a XXXX XXXX XXXX after 1st car accident. Only for a customer rep. to misread it and invert the points system and cheat me. After, calling them and notifying them of the error, I was told that they could not see, what I see ( how you guys sent email ). I personally feel attack and discriminated after staying in touch with my credit all the time. I was also decline the larger amount of lump sum of Settlement with XXXX XXXX breach and I was hack by both XXXX, XXXX and XXXX XXXX. I submitted proof. I receive a settlement of {$4.00} REALLY a SLAP In the FACE Of a BLACK WOMAN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Credit limit changed
Subissue:
Consumer Complaint: I had an account with Synchrony bank for a Rooms to Go account. I had a {$5000.00} credit limit with 0 % interest rate loan with a 5 year term. I have paid every payment on time and never been late. They lowered my limit down to the balance that was left on the account. I just received an email stating that they now have closed the account and it is showing as a settlement on my credit. I never agreed to a lump sum payment and account was always current in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A