Date Received: 2022-12-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Unauthorised transaction in the amount of {$120.00} to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: In ability to contact Pay Pal customer service. The dept is closed and unable to receive calls via customer service. Can not contact Pay Pal to resolve this issue after repeated attempts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.
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: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
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: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bit the neighbors. I agreed to cover the deposit on the Vet XXXX The total turned out to be XXXX and I received a statement that that I would receive a credit for the remaining XXXX. I called when I didn't see the credit and I should wait a few days. My husband called back on XXXX and XXXX Vet then stated I was no longer getting a credit despite what the receipt and invoice showing I am clearly owed one. I had paid w/Carecredit so I immediately disputed the transaction. I sent the invoice showing the owed credit and filled out the forms. Apparently when they investigated XXXX disagreed ever saying I was getting a credit and despite having it in writing CareCredit denied my claim on XX/XX/XXXX. I called to inquire the status XX/XX/XXXX and when I asked about appealing the decision CareCredit abruptly hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I sent a certified mail with copies of my identification asking Synchrony Bank to rectify an inaccuracy showing on my consumer report. When I was reviewing my consumer file, I noticed account number ending in XXXX is showing a balance on a charged off account. According to the IRS, any cancelled debt or charged off debt is income. I requested Synchrony Bank provide me with XXXX as this account is showing up with a balance on my consumer report. I received a letter dated XX/XX/XXXX from Synchrony, stating I am a credit repair organization and they are not going to investigate into the matter. All of this are stall tactics and it is hurting my livelihood as I am trying to resolve negative items that is showing up on my consumer file. I've been doing intense research, and learned on consumer rights. According to 15 USC 1681s-2 ( a ) ( 1 ) A ) - a person shall not furnish any information relating to the consumer that believe to be incorrect. Attached, you will find the original letter I sent along with the certified postage and the stall tactic letter sent as a response. In addition, the incorrect item reporting on my consumer file. I've also included my forms of identification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have spoken to Lowes XXXX Credit Card about updating my telephone number several times and they refused citing they need to verify my identity thru the mail. I called several times and my telephone was updated on my account however I can not access the website to change my autopay because the old telephone number is still coming although credit services has my new number. I called again today for the XXXX time and a representative advised she has deleted my account profile and for me to go back in and register my credit card again so I can make updates to my account. Unfortunately, it did not work the site is advising I am already registered. So frustrating no one can help me. I would like to update my monthly autopay and can not Lowes XXXX credit card is holding me hostage and provides the wrong information. I am paying on the credit monthly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received fraudulent charges on my PayPal credit account on XX/XX/2022 in the amount of {$4600.00}. I contacted PayPal and they said they would take care of charges that they could see that it was fraudulent activity. They said that they would set up a new account for me and I contacted my bank to change my debit card so that the charges did not go through my bank account. PayPal reversed the charges XX/XX/2022, but when the new account was set up, the charges showed up as transfer balances. I have contacted PayPal almost every week since XXXX to clear this up. They keep telling me that it will take XXXX days to clear up. It has never been cleared up. I have XXXX charges that are mine that I still owe : XXXX XXXX {$210.00} purchased on XX/XX/2022, XXXX XXXX {$16.00} purchased on XX/XX/2022 and XXXX XXXX {$120.00} purchased on XX/XX/2022. On my statements it shows a balance due on this account of {$3400.00}. It is accruing interest and late fees. I have not done any activity on this account since this happened. I had a couple of legitimate purchases that were made through PayPal and paid directly from my bank account. The problem seems to be only on the PayPal credit line. I am hesitant to Pay my balnce because I still have all these fraudulent charges on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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 have repeatedly to to get a statement of l of my activity from Pay Pal. Synchrony Bank is now the new XXXX party financial institution that handles the old Pay Pal Credit account. I need detailed clarity on payments made to my Pay Pal Credit account ( Synchrony XXXX of all of my activity for XXXX. I need this ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony bank closing all of my credit accounts with no reason, never missed a payment or ever late, they sent me a letter stating that Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. When I call them I get the run around or the letter says it all, but I dont understand, like I said previously never late, never missed a payment, this is also on my credit report as Closed by Grantor, will this be another negative on my credit? I think they owe me an explanation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy. '' 15 USC 1681 section 604a section 2 it also states " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A