Date Received: 2022-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Personal identity theft regarding opening credit cards using my social security number and personal information. XXXX. XX/XX/XXXXXXXX SYNCB/AMAZON ( bank ) 2. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX XXXX ( finance ) XXXX. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX ( finance ) XXXX. XX/XX/XXXX XXXX XXXX ( finance )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
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: Synchrony Bank has closed all of my accounts ; however all of the accounts were opened in the last year. Would Synchrony Bank be willing to remove the following inquiries from my credit report as a couple of these accounts were opened in late XXXX ; but the accounts were all closed XXXX. I am making payments on all of these accounts ; however, can you please remove all of the inquiries within the past year from my account as these accounts are closed. Inquiry Date : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I started to get hard inquirys from XXXX XXXX and some other company and it has affected my credit a good bit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95307
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2022 XXXX, I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX Creditor : SYNCB/PAYPAL Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The Synchrony Financial company is assessing a late fee month after month after they reversed an XX/XX/2022 {$30.00} late fee due to their system/technical error that triggered a series of misapplied, fraudulent, and predatory assignment of fees to the consumer account. This company also is creating stress in their attempts to coerce payment of inaccurate and erroneous late fees, through intimidation tactics and seeking to cause harm to my character by sharing my private information with consumer reporting agencies Synchrony Financial was contacted on XX/XX/2022. I informed XXXX, the representative of the errors and she stated she would remove the XX/XX/2022 {$30.00} late fee. She was also informed that an erroneous late fee was listed for XX/XX/2022 in the amount of {$41.00} which needed to be removed. XXXX verified that the agreed upon minimum monthly amount was received on XX/XX/2022. She stated the update would not be done until XX/XX/2022 statement date, although the consumer requested an update in XXXX - XXXX hours. Unfortunately, since this notification of error, this company has repeatedly charged and continues to intimidate and use fear tactics to coerce several erroneous late fee payments of {$41.00} for XX/XX/2022, {$41.00} for XX/XX/2022, and {$41.00} for XX/XX/2022, when all payments were provided timely. This company is predatory in their tactics and practices, and has been harassing via phone calls, emails, and text messaging. They seek to intimidate the consumer with communication insinuating reporting to the XXXX XXXX Agencies for the purpose of causing damage to a consumer 's character and credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In addition to the effects of the pandemic : My income reduced to {$12000.00} per year. I am permanently XXXX due to XXXX XXXX ( XXXX ) and XXXX. My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ). My biggest hardship is medical bills and medical mileage ( XXXX miles in 2022 so far ). Synchrony Bank filed charge-offs on five accounts XXXX days after the last payment. I have filed several disputes with XXXX stating the above hardships. They refused my requests. XXXX suggested that I speak with them directly in which I did. They still refused. After speaking with them regarding the dates of the payments versus the charge-off dates, I was locked out of the accounts. I have asked that the charge-offs are removed from my credit report not only for early charge-off, but with the assistance of the XXXX XXXX as well. I can not pay these debts and won't be able to in the future for the above-mentioned reasons. I also need my credit in good standing to avoid future hardship getting a car or housing when needed. Please help me! I have proof my the last payment dates for all five accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. My concern is with Syncrony Bank. We had a Sam 's Club Card which was overseen by Syncrony Bank. We payed our debt off to Sam 's Club. We did not file bankruptcy on Syncrony Bank or Sam 's Club. We specifically stated to the Bankruptcy judge that we had payed the debt to Sam 's Club and Syncrony Bank. But our Credit card privileges were suspended. Syncrony Bank refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. We do not understand their reasoning for this decision. We paid our debt to Syncrony Bank yet they refuse to respond to our questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In may I purchased a XXXX XXXX XXXX for XXXX plus XXXX for delivery. Per the sales staff this XXXX would include if I returned the bed. Tax was XXXX. I returned the bed for health reasons, I was having an XXXX XXXX to something in the bed. At the time of return I was not informed there would be another XXXX charge to pick up the bed. I paid for the delivery fees on the card of XXXX. 2 months after this Synchrony was still sending me late fee notices. I figured something was wrong and checked my card. XXXX XXXX only credited me XXXX. I called XXXX XXXX and they said was a XXXX return fee which was in my terms and conditions for the sale of the bed. I did not receive a receipts or any terms and conditions. I called the store, I called XXXX XXXX and they told me I owed for the deliver fee. I believe it was XXXX still remaining on my card after the credit of XXXX and the XXXX I paid. I was finally emailed a copy of my receipt in XXXX but there was no amount listed for a return. I then called synchrony and filed a dispute. I keep getting late notices. When i called last week apparently synchrony closed the dispute because of the first credit of XXXX ( however the debt collection person said credit on XXXX. ) They wanted to start the disputer process all over as they continue to charge late fees. I didn't think the cs person had the right file but every time I call I am sent to their collection department. I don't believe I owe any more money to XXXX XXXX as not fees were sent to me. I believe Synchrony should have contacted me on the dispute before closing my dispute. I need help getting this issue straightened out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Their was a hard hit on my credit by Venmo/sync. I never applied for a credit card with them and do not understand why this is on my inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, Synchrony Bank use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Synchrony Bank has discriminated against me for closing my account without my consent. Synchrony Bank is furnishing inaccurate information relating to a consumer to any consumer reporting agency. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XX/XX/1982
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A