Date Received: 2022-11-19
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: On XX/XX/XXXX I purchased an item on XXXX for XXXX. 5 days later on XX/XX/XXXX I recieved an empty box from the seller. I tried to contact the seller via phone numerous times but no one anwsered. Realizing I had been scammed I disputed the charge. Venmo credit originally credited my card for the fradulent charge. Today I log into my account and as of XX/XX/XXXX I again have a rebill for the XXXX. Venmo did not communicate with me at all about why they charged me again, or why they feel I need to be held responsable for fraud. Venmo is obviously not investigating this scam in good faith, communicating with me on action with my account and as a result not protecting me as a customer from fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX XXXX denied me credit. I have the denial letter. XXXX XXXX passed away and they added my name in place of XXXX XXXX. This is not my account never had an account with this bank and never will. The fraud department advised me that they were removing the fraudulent entry and they keep bringing it back. I just lost everything in the XXXX XXXX and this negative entry and caused me to be denied by the SBA now. I have hired an attorney who expected to fix this and filed an affidavit and sent to the repositories. XXXX has provided the necessary changes unfortunately XXXX and XXXX XXXX have been used by Synchrony bank as their own tool to hurt consumers. I requested proof and they can not prove it. The charged it off on XXXX XXXX in XXXX. Why am I dealing with his tradeline in XXXX? Someone needs to stop this bank from hurting consumers. Recently I lost everything in the XXXX XXXX where all my personal belongings were destroyed and I am trying to rebuild and my credit just went down XXXX points! from a closed tradeline that isn't even mine. this bank has over XXXX XXXX complaints and they still have a charter?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: When I signed up for paypal credit they offered a XXXX no interest loan for all purchases. When I stopped making purchases I was around {$2100.00} in credit used. My payments were around {$30.00} which was in line with the {$2300.00} credit line I have on my credit card with XXXX XXXX. After a few months my credit used went up without me making additional purchases and the amount I had to pay that month went up also. When I contacted them they said the offer I had used when I purchased had expired. This didn't make sense but I assumed it was a one time thing. Since that time the maximum amount owed and the monthly payment has skyrocketed to over {$3200.00} now. They told me several times, oh, just make this $ XXXX dollar payment this month and things will go back down to {$30.00} like its been.. THEY LIED! They claim I made a cash withdrawl for {$600.00} and charge me $ XXXX in interest. This is on a 29 % annual interest rate. There is no way in heck 2.5 % /mo int on {$600.00} is {$7.00}! When I try to examine where my payments have been going and whats been paid and what hasn't there is no record. I spoke to them at length about all this and was basically told they are right, i'm wrong so pay the bill. I got so frustrated and angry with them that I demanded they close the account and that no further payments would be coming to them until either they fixed things, or litigation had completed and I was ordered to pay them more funds. I also demanded paperwork for every transaction since the account was created and after roughly 14 days I received it but it is not understandable. I feel that they have unfair and possibly illegal lending practices and do no intend to pay them until this matter is resolved by some 3rd party. In the mean time they are destroying my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 746XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I asked a customer rep look into forgiving a late fee after paying off balance. After back and forth customer rep closed account without consent. I wrote a letter to Synchrony bank. They responded by forgiving the fee. The account is closed and the bank headquarters sent me a letter stating that the {$15.00} late fee is forgiven yet I am still being billed on the fee. I have put in a dispute with XXXX. This has not resolved the issue. This is affecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unauthorized usage of credit information was never confirmed to be placed on credit report, this is harming my credit scores drastically and is stopping me from moving forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In XX/XX/XXXX, I called and wrote re : disputed unauthorized charges/purchases and products not delivered to me on a PayPal Account w/Synchrony Bank XXXX The disputed charges were all found in my favor and account closed. In XX/XX/XXXX, I received another bill for the same charges. When I contacted PayPal, was told a new account was opened and the disputed charges were put back on the new account, which was not authorized by me. Again there was an investigation and that account was closed. I was told my credit score would be rectified. Again in XX/XX/XXXX, I received another bill from PayPal. The charges were again on another PayPal Account, which I did not open. I wrote and provided evidence for an investigation. I was not notified of the outcome. Instead in XX/XX/XXXX, I received another bill on a new unauthorized PayPal Account for the previously disputed charges from XXXX, with fees and interest. Within two days of receiving that statement there was a late payment credit report made by PayPal. I am beyond frustrated with this company!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Due to unforeseen circumstances, I was forced to pay my XX/XX/XXXX Care Credit bill late. I am currently under a 12 month no interest promotion with my Care Credit account. It was for a XXXX XXXX that I had in XXXX of XXXX. My promotion ends in XXXX of XXXX. Care Credit charge me an interest fee on top of the late charge for a payment that was posted late. This charge is not only excessive but reveals an under tone of predatory lending. In fact this transaction is the very definition of predatory lending. ( Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ). When called to have the interest fee reversed I was told that the interest fee will stand as it listed in my terms and conditions. And I agreed to it in my application. When asked to have all that I agree to in my profile sent to me, I was told it would take 30 days for Terms and Conditions, and 45 days for my application to be US mailed to me. When asked if I may have these things emailed to me or pointed to where I can find on the website. The representative pretended to have a different conversation with me, then disconnected the call. Only showing the lack of transparency to its consumer. Another red flag of predatory lending practices. In conclusion it is my belief that this company is attempting to exploit the fact that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These sort of practices are not only harmful XXXX XXXX XXXX consumers but also arent conducive to creating a healthy credit profile for XXXX XXXX XXXX. Programs like this are designed to keep XXXX XXXX XXXX in debt longer than needed by lumping excessive fees and interest charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
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: Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both PayPal and Amazon credit cards in my name through Synchrony Bank on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, XXXX separate Synchrony PayPal inquiries appear on my credit report. On the XX/XX/XXXX PayPal credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a Supplemental Consumer Credit check through XXXX along with a XXXX XXXX XXXXs search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for Synchrony Amazon also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call Synchrony Bank by one of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 Amazon applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with Synchrony Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from Synchrony Bank stating the fraudulently opened prepaid Amazon card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony PayPal and Amazon inquiries remain on my credit reports, I called Synchrony Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88101
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I submitted a complaint on XXXX XXXX on SYNCHRONY BANK/XXXX XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. Synchrony Bank provided a letter stating that SYNCHRONY BANK did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A