Date Received: 2022-12-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for store credit at XXXX XXXX XXXX on or about XX/XX/22 and was denied. The credit was offered through Synchrony Bank. The reasons that they gave for my denial of credit was that they could not verify my identity. I believe that the real reason is that I am black. My reasons for believing this are simple. First, in order for them to view my credit file, I had to unfreeze my file using my personal password and second, they pointed me to a verification service where I had to scan both the front and back of my XXXX. XXXX XXXX, State ( DC ) issued driver license, which should have been all I needed and more than enough to verify I am who I say I am. In their letter, they state that they checked data sources that may include, public records, phone directories, or social security databases. Additionally, they state that their customer service agent might have asked me questions to verify my identity. Therefore, I have no other reason to believe that this was not an algorithm or machine decision, but a human XXXX and XXXX based on my race. If there is another reason, I would love to hear it. I was denied credit despite the fact that I have an excellent credit rating that was only verifiable because I unfroze my XXXX and XXXX credit files. My records show a credit score over 750, a 100 % on-time payment history, and 30 % or less credit card utilization. Finally, I have taken great care in protecting my credit and personal information. I have monitoring services through XXXX and XXXX, both of which notified me after this process that my email and password had been compromised. This has been a nightmare process and they should be put on notice so that it doesn't happen to anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2022, I contacted SYNCB/Paypal credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my XXXX credit monitoring, letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from Payal. I immediately contacted Paypal and questioned the reporting. I was told that a charge was applied to my Paypal account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and Paypal no longer existed. I also did not have access even to pay the Paypal account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: An auto-payment from my credit Union checking acct. to PayPal Buyer Credit was transacted on XX/XX/2021 unbeknownst to me at the time for {$1400.00} I realized this transaction occurred when searching for another PayPal Credit transaction from my online checking acct. in XXXX XXXX where all other PayPal transaction are listed as well. I have sent statements/transaction verifying payment confirmation along with a letter drafted by the manager of my credit union verifying the same. I am now in a redispute waiting for a decision of PayPal Credits second investigation regarding this case. Basically at this point, the auto-payment that was made that I did not or dont remember authoring for {$1400.00}, especially because my balance at that time was under {$300.00} dollars giving me know reason to make such a payment anyway, according to paypal can not be located.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem when making payments
Subissue:
Consumer Complaint: For the third time : paypal wouldnt allow payment of {$40.00} minimum on balance owed to paypal credit until the day that a {$40.00} late fee would be due. After the third time Ive decided not to pay the debt. Its basically all late fees by now. the site will just pinwheel and fail while making payments until XXXXXXXX XXXX on the last day to pay forcing consumer to change the date when a {$40.00} late fee will be due. Once paid the payment all goes to late fee instead of minimum payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went to Sam club recently to inquire a Business Credit Card. I purchased a XXXX XXXX for {$110.00} to start the process. I then filled all the paperwork out regarding my business information. ( Address, XXXX, & so on. ) The store representative then states the application is trying to convert its self to a XXXX XXXX, which is NOT what I asked for. I made it clear XXXX times I have enough Personal Cards, I just need a Business Credit Card through them to help supply my business as needed. She then called corporate and was put on hold I waited for XXXX XXXX to talk to someone. She picks up other calls incoming on another phone & then places the corporate call on speaker. When they answer she places the other conversation on hold, takes corporate of speaker and tells them for some reason the application type switched over and she cant change it. She gives me the phone I explain that isnt what I asked for they ask for her again for some information off her cpu. She gets put on hold again. She soon responds to someone telling them what happened then say here he is and hands me the phone. I say hello, a man responds Im tryna see about a credit card I applied for a XXXX XXXX Clearly thats wasnt corporate, I tell her she says Im sorry idk what happened I can give you their number. I got the number and had no choice but to leave at that point. Call them myself the tell me they can take it back which may be true but I asked so now what am I to do they basically said I need to contact credit bureau because its out of their power at this point. So ultimately I was also denied meaning I dont have the card but even if I was accepted it still wasnt what I inquired for. So shortly after my credit was hit for the hard inquiry of course. Im trying to get it removed and corrected. Please and thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report shows that I had a credit card with SYNC/AMAZON with late payments back in 2016. That is incorrect information. I currently have another SYNC/AMAZON credit card that is in good stating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These are not my enquiries and are unauthorized XXXX XXXX date : XX/XX/2022 XXXX XXXX XX/XX/2022. Synchrony Bank XX/XX/2022 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX closed my account and reported a charge off to XXXX, XXXX and XXXX and my Consumer Rights have been violated and I have been defamed. I communicated with this company honestly and earnestly without resolve. My last good faith attempt was simply asking them to validate the alleged debt by sending me an accounting of said credit. I did not refuse to pay ; a debt validation request was sent and next this I knew.. my account was closed and now my Consumer credit scores are inaccurate and it's effecting my health and livelihood.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Synchrony/XXXX XXXX credit card account was closed on XXXX XX/XX/XXXX. I had a balance of about {$450.00} when it was closed. Synchrony still expects me to pay the full amount owed, with interest. The account in question was never delinquent and had a credit of around {$1000.00}. When asked why my account was closed, in addition to being told it was an automated selection based on creditworthiness, I was also told by XXXX the accounts manager that it could be for any reason, really.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made payment of {$2500.00} on XX/XX/2022, the payment cleared my checking account the same nite! Now 13 days later and the creditor has not made this payment amount available in my available credit! Not acceptable. Why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A