Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Two years ago I realized that Synchrony bank was not calculating my XXXX rewards correctly. Upon contacting the bank the phone representative did some calculations and agreed that the rewards were not being calculated correctly. Later I received a form letter from the bank stating my rewards were calculated correctly with no explanation as to how they were being calculated. Over the coming months, I filed complaints with the XXXX Florida Attorney General and Consumer Financial Bureau ( CFPB ). On each of the following dates, Synchrony bank denied to each of these agencies that my rewards were not being calculated correctly. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida Attorney General XXXX Florida Attorney General XXXX CFPB Finally on XXXX Synchrony Bank admitted to the Minnesota State Attorney Generals office that there were errors in the accounting of my rewards and credited my account XXXX points. In response I replied that according to my calculations there is an additional XXXX points missing and asked for a detailed accounting of every transaction on my account. On XX/XX/2022 XXXX XXXX, Senior Specialist of Synchrony Bank wrote back to the MN Attorney General stating there is an open remediation to determine any additional points missing points. ( see attached letter ) After 3 months I did not hear from XXXX XXXX. On XX/XX/2022 I called XXXX XXXX at XXXX, ext. XXXX and received a voicemail that stated she no longer works in the customer service department and was further instructed to call the number on my billing statement. I phoned the number on my billing statement and reached supervisor XXXX. XXXX informed me that there was no open remediation on my account. She said there was no other person I could call. When I asked if the XX/XX/2022 letter from XXXX XXXX was showing on my account, she answered in the negative. I have been lied to over and over for a period of 2 years by this bank. Despite repeated requests of asking for a line by line transaction history for my rewards I am refused every time. Some of the points I did receive were spent on purchases at XXXX. For various reasons some items purchased were returned to. XXXX shows a credit to my points but Synchrony bank never passed the credit through to usable points. In otherwords the bank kept my points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: SYNCHRONY BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT 15 US CODE 1681b FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( 6 ) TIMES FROM XXXX XXXX REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. SYNCB/CARE CREDIT XX/XX/XXXX SYNCB/TJX XXXX XXXX XXXX SYNCB/SYNCB XX/XX/XXXX SYNCB/BELK ( A CLOSED ACCT ) XX/XX/XXXX SYNCB/LOWES XX/XX/XXXX SYNCBCARE CREDIT XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX of this year, I went to send {$2500.00} to my son. I had about half of that amount in my PayPal account and bank balance, so I decided to send those funds to him, and to use my PayPal credit account to send the balance to him. When I made the transaction, I clicked on my sons name on the send again menu, and sent the funds in two separate transactions, something I had done multiple times. The transaction number for the one paid out of my PayPal balance / bank balance was XXXX and was for {$1200.00}. The transaction number for the one paid with my PayPal credit account was XXXX, and was for {$1300.00}. Transfers of funds like this have always been virtually instant, so when my son hadnt received the funds after a couple days, I began to investigate. I found that the XXXX XXXX who was listed on my send again list was a stranger with an email address I didnt recognize. So the funds from both transactions went to this unknown XXXX XXXX, and not to my son. Again, I have never done business with another XXXX XXXX besides my son. How did this stranger end up on my send again list when I have never done business with him? If this stranger hacked my account, he could have just sent money to himself or a cohort rather than waiting until I tried to send funds to my son. I scrambled to raise the funds for my son at great inconvenience. Then I got in touch with Paypal. I discovered that since PayPal and PayPal Credit are two separate entities, I was forced to file two separate appeals. Both of my appeals were evidently successful, as both entities credited my account back the funds in question. Then, a couple weeks ago, I received notice that my PayPal Credit account was debited the amount from the transaction. When I inquired about this, they said they had credited my account the amount in question while they did their investigation, and that they were now debiting my account again because their investigation had found against me. They mentioned something about me receiving the product I had paid for. Again, this money went to the wrong person because I was dealing with the PayPal site in good faith, believing I was sending again to a person I had never sent to before. I was clearly defrauded, and there was absolutely no product either ordered or received by me. I then appealed again to PayPal Credit. Evidently they are once again reviewing the case. In the meantime, they are asking me to pay this as part of the monthly billing cycle. I made clear to them that I have no intention of paying for this fraudulent activity. However, my fear is that PayPal will look at this and shut down my account for non-payment. If PayPal ( proper ) had the sense to see that this was fraud that I should not be held responsible for, how in the world can PayPal credit not see this? Has there been any action taken against this thief who is clearly doing business on the site and is taking advantage of other customers like me? I have been told nothing. I am writing to appeal to you to right this wrong. I have all of my XXXX payments go through PayPal and do other business on there as well. I do not want to funnel all of those transactions to a competitor as it would be a hassle, and I am otherwise happy with the service PayPal has provided me and my businesses over the years. Please advise what comes next here. Thanks for your attention
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: Bought furniture from XXXXXXXX XXXX XXXX XXXX on XX/XX/2022 it was charged to an Ashley credit card, amount {$2200.00} when I call and told them I did not buy the furniture from Ashley 's, Synchrony bank closed that account, and opened another one, and transferred the balance to the new card, {$2200.00} We paid the new card off on XX/XX/2022 amount {$2200.00} the payment cleared my bank on XX/XX/2022, now I keep getting a bill for the amount of {$2200.00} that we have already paid off. I have been trying to get Synchrony bank to straighten this out for 5 months after numerus phone calls and paper work sent to the bank 3 times they still can't get it straightened out. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act SYNCBXXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I purchased a set of golf clubs at Dicks Sporting Goods and was told that I would receive cash back if I registered for a card. I did and then waiting for the bill. The first bill came and the log-in information was incorrect. I was unable to pay and they told me that I would not be charged any interest or late fees because the correct information was not sent. There is ZERO way to log-in online, they have to send you physical mail. It is 2022. I got the second set of information and that also would let let me log-in. They refused to assist and told me that I had to wait again. I was reassured that I would not be charged. I finally.. FINALLY figured out how to log-in after getting a LATE FEE notice being told that I now owed money. This is intentionally made to make it nearly impossible for anyone to log-in and pay for what they owe. They need to be crushed. This is clear fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company SYNCB/CARE CREDIT, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCB/CARE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A