Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My identity has been stolen. I have multiple accounts and multiple addresses and phone numbers that are not mines!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90003
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: 2022-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, On XX/XX/XXXX, There was a collection account reported XXXX credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: 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 cancelled a XXXX annual membership within the first 30 days of trial membership. Since XX/XX/2022 Ive been disputing the monthly fee. In addition, due to frustration and unresponsive customer service I told them to cancel the credit card. That didnt happen and every month Im forced to follow up with an unanswered dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XX/XX/2022 i got a hard inquiry that i want deleted. By XXXX XXXX XXXX XXXX i got a hard inquiry that i want deleted also. I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in XXXX with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had XXXX accounts with Synchrony Bank for some time. I used all accounts in a proper and responsible manner. I never had a single late payment and never exceeded my credit limits. In fact, I didn't even come close on many of the accounts. I made payments either on auto pay on the due dates or in many instances I would pay before the account had even billed and before it was due. I also maintained my personal credit with all creditors in a responsible manner and most of my credit scores were in the high XXXX 's and with in excess of {$100000.00} of available credit my utilization was always under XXXX XXXX but usually at XXXX XXXX XXXX XXXX. I had just been approved for a new account with Synchrony and also received credit limit increases on other accounts. This also reflects that my handling of the accounts and my credit was without question or doubt. Then on XX/XX/XXXX I was notified that ALL of my accounts had been closed. There was no reasonable cause or reason for the closure. Nothing had changed in my internal or external credit profile or use that would warrant this action against me. At the time no one at Synchrony could provide me with an explanation for the closure. Then recently I received letters for each account with the same reason for the accounts being closed. These letters provided a false and wholly dishonest reason for the closure- in violation of federal law. Pursuant to federal law an adverse action letter must contain and provide a truthful and accurate reason or explanation, which they did not. In my research online, I then found that this was a complaint of many - XXXX XXXX XXXX XXXX, of other customers of Synchrony Bank. So it appears that this is not an isolated action to HARM their customers.
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: 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: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 Synchrony bank/ Paypal has accessed my credit report from XXXX XXXX I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a clear violation of my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX, I had a XXXXe charge of about {$500.00} put on my account with a no-interest payment plan on my CareCredit account. I regularly start and pay off XXXX payment plans and have been familiar with the company and its policies for years. I planned for my final payment for the plan to be on the last month of the payment plan ( XX/XX/XXXX ) with the exact remainder paid online through CareCredits website. After this payment, assuming the matter was closed, I noticed I still had an amount remaining on the account less than the payment but not {$0.00}. I called to ask what happened. They said that payments are split between multiple plans and an exact payment on an ending payment plan does not guarantee the payment plan will be applied to the expiring plan. I was told they would reallocate my payment into the system to pay off the expiring payment plan. Now, several months later, I am facing $ XXXX in monthly interest charges. Every agent I talk to now says I did not pay off the balance in a tone that implies I am lying, and they keep explaining the basic policy that if you dont pay off an expired plan, you face interest ( which I already know and explain to them multiple times I paid it off within the payment plan period. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act this creditor SYNCB/HOME DESIGN HVAC and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 XXXX via SYNCBXXXX has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/XXXX at approximately XXXXXXXX XXXX central time, I submitted a credit application through the XXXXXXXX XXXX retail store smartphone app with Synchrony Bank. I was not presented with the terms of credit that I was approved for and an account was open in my name without my permission or authorization. I immediately called synchrony Bank and asked them not to process the credit account opening and they told me that they would not do that.. the account was opened and that all I could do was close the account. I was very unsatisfied with the terms that were only presented to me after the application was processed for 29.99 % rate and only a {$1200.00} credit line. But I was not provided with a way to decline the offer of credit. This is an unfair deceptive act or practice ( UDAAP ) because I was not presented with clear terms for the credit account I applied for, n was I asked to accept the offer of credit prior to the account being opened in my name. I asked a gentleman who was named XXXX who accepted my call as 'the manager ' to cancel the opening of the account for the reasons stated above and he would not. I asked him to send me a letter proving the account was closed and he said he would send a letter. I also asked XXXX to file a formal complaint in synchrony bank 's complaint management system and I do not believe that occurred. XXXX was combative and did not assure me that there was a way to cancel the account without it being authorized by me. He was rude and seemed agitated that I was dissatisfied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A