Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My social security number has been compromised and there have been several accounts opened under my name and social since XX/XX/2022. Theres a PayPal Credit account listed under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the hospital since XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
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: 2023-01-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I applied for a store card and got a {$500.00} credit limit less than a year later they dropped it by about 50 % a year later they dropped it by another 50 % it was actually several different times but it has dropped down from XXXX to {$130.00} the last one was roughly a drop of XXXX or XXXX dollars. Every time I talk to these people they tell me that they did this in regards to my credit score which by all accounts has done nothing but go up and every time they drop my limit it drops my score I need not say why. Over the course of the 3 years I have accumulated XXXX to XXXX XXXX dollars more credit from other creditors whether new accounts or increased accounts I have yet to have one go down other than this account and one other tied to the same creditor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
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: Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I became a soul proprietor this year so I'm rally going through my finances this year for the first time. Going through my Amazon/Synchrony statements I noticed a " protection '' fee. After calling Amazon I was told to call the number on the statement. After calling the customer service rep told me that I have been paying this fee since XXXX! I never signed into this and if I did I was surely unaware of a fee. After cancelling the service I did my due diligence and started searching online to find out that they others have gotten full refunds when this has happened. I was told I was over the " XXXX days ''. This is absurd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
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: Six years ago I reported errant charges to my Steinmart Credit Card account ( administered by Synchrony Bank ), after receiving my monthly statement ( XX/XX/XXXX ). My account was closed, a new one was opened and a new card sent. For the past 5+ years, I have received monthly statements showing the disputed amount as " payment not required ''. Each time I spoke to a representative of the company I was assured that I did not have to pay the disputed amount, so " don't worry about it ''. Last month ( XX/XX/XXXX ) a minimum amount ( {$28.00} ) of the disputed was suddenly due. I spoke to 12 different representatives from 4 different departments, as I was tranfered multiple times. The hour and a half call ended with a gentleman named XXXX in Investigations. He told me that I would receive a letter within 7-10 business days and a credit within 48 hours. That never occurred. Additionally, today I received a call from a representative of the Synchrony Bank collection department, who after hearing my 6-year tribulation, and reading all the notes left by numerous persons within Synchrony Bank XXXX and after making several calls herself, told me to call the XXXX XXXX XXXX XXXX The collection department representative stated that my account balance was now " double '' what it was plus interest and late fees, which she removed, because the last account was closed but never " zeroed '' so the balance carried over, plus the balance was added to the new account. She also advised me that would only work for one month, and lodged a complaint on my behalf. I have almost 6 years of statements, names/dates of most of the people at Synchrony with whom I have had contact, as well as letters to/from Synchrony. I WOULD BE EXTREMELY GRATEFUL IF YOU COULD HELP ME END THIS 6-YEAR NIGHTMARE!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I accidentally sent my XXXX/Sychrony payment of XXXX to XXXX Card on XX/XX/XXXX. The amount was not due until XX/XX/XXXX. I did not discover my error until XX/XX/XXXX. At that time, I set up an ACH payment on XX/XX/XXXX for my additional purchases plus the last balance of XXXX. These additional payments were not due until XX/XX/XXXX XXXX/Sychrony calculated interest not on the 10 days that the XXXX was past due but on average daily balance daily balance of XXXX. How they calculate that number I can not find out. There is a disconnect between in the credit card industry and the consumer. How can I be charged interest on something that is not past due? I have since got them to waive the late fee but not the excessive interest charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On or about the XXXX week of XXXX, Synchrony Bank charged me my full credit balance with them. This withdrew around XXXX $ from my bank account. I did not authorize this transaction. My account was set to only pay the minimum balance ( around XXXX $ I think ). I called synchrony to fix this issue but they said that it was my fault and the best they could do was issue a check in the mail that XXXX arrive in up to XXXX weeks. This was the week before XXXX. The {$3000.00} they pulled from my account was all I had to feed my family of XXXX. I disputed the transaction with my Checking account bank ( XXXX ) who took up my case and was able to get me my money returned minus the minimum payment to synchrony that I HAD authorized. Fast forward to the XXXX or XXXX week of XXXX. I saw that synchrony had double charged my account for the refund I made causing me to look as if I had been refunded twice the amount that I was. I called synchrony once again and they told me it was because they had mailed me a check for that amount a month before and they were expecting me to deposit it back into that account. I have never received that check and told the synchrony representative as much. The representative told me they would cancel the check and credit my account for the money that the check was supposed to pay out. He said the transaction would take about XXXX to XXXX weeks for the refund to hit my account and that they were going to refer what happened to their investigations department in a manner that seemed they were implying I was being dishonest with them. XXXX weeks came on XXXX. I called synchrony on XXXX and after fighting their service line for over an hour I finally was able to speak with somebody who sounded like she could answer questions. She looked into my case and said it was going to be another XXXX business days before I would see my refund. After dealing with this company and XXXX collective hours on the phone with them, I do not trust that they are being honest or conducting fair business practices. I am opening this report because I do not have confidence that synchrony will return the money they are not entitled to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
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 had fraudulent charges on my credit card which I had never authorized On Sams Club Credit Card Acct # XXXX all the charges and XXXX XXXX XXXX Acct # XXXX using from Walmart
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank will not cooperate with me, they have responded to my communications but not with the expected actions as listed in my letter of requests. I keep trying to resolve this issue. They are reporting {$1700.00} to the CRAs on my behalf. Which I recommend to cease and desist as I wrote in the letters. I also have information stating that they no longer hold a written agreement of this account in my name. Please assist me in finding a resolution to this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Incorrect address appeared in my report PLEASE REMOVE ASAP. Address for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i have never lived at address Names that should not be on my report. DIVORCED IN XXXX REMOVE ALL WITH LAST NAME : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A