Date Received: 2023-01-06
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 am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to the Heroes Act my rights were violated by SYNCB/TJX COS. During the Covid 19 Pandemic late payments were reported on my account in XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX through XXXX XXXX and XX/XX/XXXX through XXXX XXXX resulting in a charge off status effective XXXX XXXX by your company- which I have disputed a few times to no avail. See attachment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In the last couple month, I've been trying to deal with this company about how my name were used to obtain various credit. But they refused to work with me in a good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Applied for a XXXX XXXX to pay for emergency medical expenses. Never received a card and can not get any assistance from the company. Extra extra long hold times to only be disconnected. Tried chat help to constantly being told after 24hrs of waiting for a response that the information I put in isnt pulling anything up. Ive had the account since XXXX and still have not gotten any help. We had an emergency with our dog and their app refused to work to pay my bill because they never sent me a card but cant get anyone to help me not is there an ability to report or request a new card. As Im writing this now Ive been on hold attempting to fix this. They dont provide proper customer support to fix their problems. They try to convince you that chat is faster but the representative doesnt help at all because they never can seem to find your account and you have to wait 24hrs to even be told that, to wait another 24hrs for them to be upset with you because they cant do their one job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Synchrony bank Fraudulent account. Release the Lien or I'm going to file a federal lawsuit for a {>= $1,000,000} against you for violations of TILA, tax fraud, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud, GROSS MISREPRESENTATION and etc. Attached, 1099 A, 1099 C and UCC lien. Any agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error for {$32000.00} paid in full. I'm going to write a complaint to the Attorney General, Better Business Bureau, FTC and send you a notice of default giving you 15 days for my payment. I will be filing a lawsuit against your company for a million dollars in damages etc! My million lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting. 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties ( XXXX XXXX and XXXX XXXX ). 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration, XXXX XXXX brought nothing of value to the table and XXXX XXXX had nothing to lose. 3. Law terms and conditions were based on fraud! 4. The wek ink signature of both parties. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error to pay in full and release the lien in your system with motor vehicle. Re : XXXX Account # XXXX, VIN # XXXX, Make : XXXX XXXX XXXX, Model : XXXX, UNIT IDENTIFICATION # XXXXXXXX XXXX XXXX and MOTORCYCLE acct # XXXX, Make : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Civil liability. Civil liability for willful noncompliance. XXXX U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: PayPal XXXX by XXXX XXXX XX/XX/22 {$700.00} I reported it to the fraud department
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Synchrony Bank XXXX Synchrony XXXX XXXX XXXX misapplied payments to our account which placed our account in an " accounting hold '' state. This accounting hold delayed the posting of our payment by more than 30 days which triggered an automatic missed payment mark on both my wife 's and my XXXX and XXXX credit reports. The delayed posting payment was made on XX/XX/XXXX in the amount of {$830.00}. My wife spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told that it would take 45 days for the credit review. I spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told it would take 60 days for the XXXX XXXX. I was escalated to XXXX, a customer service supervisor, who said she could not help me. When I asked to be transferred to someone in the credit review or accounting department, I was told " they do not speak to account holders ''. I believe that it is the responsibility of Synchrony bank to correct its own errors in a timely manner when that error has caused detriment to the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an issue with Synchrony Credit Card account. The account # XXXX XXXX XXXX XXXX had fraudulent activity in XXXX of 2022 in the amount of {$5000.00}. When I called the Synchrony bank in XXXX of 2022 they let me know that the fraudulent activity has been confirmed and the account will be closed. A few months later I receive a bill from another account # XXXX XXXX XXXX XXXX. When I called again they told me that they sent me a check for the balance amount. However, I have never received the check and asked them to put stop payment on the check, which they did. I received another bill in XXXX and when I called they notified me that the check has been cashed. I have never received the check and when asked for proof, they informed me that there is nothing that they can do and no further information would be provided. I spoke with the agent XXXX # XXXX, and XXXX, which refused to provide her agent number. Bank refuses to cooperate or to help resolve the issue. My credit score has been seriously affected by this issue. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: At roughly XXXX XXXX on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal Credit/Synchrony and XXXX XXXX XXXX XXXX I notified all of my banks ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, PayPal/Synchrony ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. XXXX XXXX XXXX and PayPal/Synchrony , however, did not. PayPal Credit/Synchrony did not reverse {$2000.00} in charges from PayPal Credit sent to two individuals, and stated over the phone that it was my fault that this occurred. They stated that if I did not pay this balance that it would be sent to collections, so I paid the balance. XXXX XXXX XXXX sent a notice by mail with instructions for submitting a fraud claim. I submitted the fraud claim but did not receive a response for some time. After closing the previously near XXXX balance account, it now appears that XXXX XXXX XXXX did not reverse a fraudulent {$3000.00} phone purchase at an XXXX Store in XXXX XXXX, NY, an {$800.00} XXXX ride and {$60.00} in purchases from stores in XXXX XXXX XXXX, and has added {$720.00} in late fees, interest and charge off fees, and has now sent the balance to collections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: There is a medical charge card, Care Credit, there is no selection for this type of card provided. I opened this account back in XXXX at my doctor 's office through their receptionist. The terms that the woman described when I opened the account and the actual terms were completely different ; as she opened my account on the computer at the reception desk with only my name, ss # and birth date. The receptionist at the doctor 's office mentioned there was a promotional interest rate with all new purchases and/or medical procedures done on the card, so I decided to apply and use it. No one ever showed to me or told me that if I didn't pay off the full balance before the end of the deferred interest rate period, that my percentage rate would go up an exorbitant rate ; this is criminal and should not be allowed. Case in point : my balance went up by {$2600.00} on XX/XX/XXXX, and I never even purchased that amount of charges in XXXX ; that was just interest from previous charges on a deferred interest rate, so they said. I called the Care Credit XXXX owned by Symphony Bank ) and they said these are valid interest charges they adding to my balance since I did not pay the entire balance before the special interest charge deferment period ended. Therefore, they added {$2600.00} to my TOTAL BALANCE on XX/XX/XXXX saying that is what I owe now ; which has made my minimum payment double and I am currently on unemployment since I lost my job in XXXX. THIS IS DECEPTIVE and wrong! I never agreed to this!! This terminology used by the doctor 's office is misleading, and when the receptionist opened my account, this stipulation on the interest free period was NEVER given to me or relayed to me ; therefore, I had no idea about this until I received this huge bill all of a sudden from Care Credit. I feel that Care Credit purposely does this so they can get people to charge services at medical facilities without the suspecting customer knowing the deceptive, tricky, underhanded way Care Credit deceives their customers into thinking this is a viable way to pay for any medical services not covered under medical insurance. I have read online that Care Credit has a habit of doing this in the past and was fined for it ; it seems that they have not changed at all and still performing these deceptive business practices because the fines are negligible and the US Govt. doesn't seem to want to stop them. No company should be able to trick and deceive their consumers, especially when there is medical procedures and practices involved with the credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A