Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called XXXX after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. XXXX XXXX XXXX Original Creditor Name SYNCHRONY BANK Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a SYNCB/CC reported on XX/XX/ and then two SYNCB reported on XX/XX/ and XX/XX/. I had a report for a XXXX on XX/XX/. I had two reports from XXXX on XX/XX/ and then XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Fraudulent Lowes business credit account opened on or about XX/XX/. I never applied for this account this is not me. My credit/identity has been compromised. Charged {$8200.00} to the said account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX I am a authorized user on XXXX XXXX Care Credit account. on XX/XX/2023 I went to get dental work done at XXXX Aesthetics located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount charged was XXXX after payment was applied I got temporary veneers put in my mouth I was told that remaining amount to complete XXXX XXXX work for the next visit would be {$860.00}. I was scheduled to have work completed XX/XX/2023 however as of XX/XX/2023 I was told that the payment for {$11000.00} was in limbo and it was currently being disputed. XXXX and the XXXX card XXXX both were shocked. I was asked to submit a sign sale slip, and a signed delivery slip along with XXXX XXXX identification. I submitted the things that was I was asked to submit and nothing has happened on Care Credit end and the doctor of practice says I have to pay {$11000.00} cash if I wasn't to get the rest of dental work done. My teeth are incredible sensitive and I have broken XXXX temporary veneers and I live about XXXX miles from the dental office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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: It started out a Dispute of XXXX of Goods and Services! On ( 5 ) separate occasions Synchrony reopened my Dispute because the Synchrony employee understood the issues of Blemished Goods and the ( XXXX ) Scabby Installation. XXXX XXXX has a PDF, " How to install Replacement windows ''. Please document this, as the manufacturer 's Instructions Clearly State, that the Gap around the window frame and the rough opening is only 1/4 '' at top, bottom and left and right sides! In which you can clearly see a scam in the process that was stopped the same day the installer was here to install these Blemished and a Broken window. Synchrony Bank Lowe 's Advantage card Dispute Team are NOT and DO NOT Favor Customers. Synchrony Accepts Fraudulent Documents in which the Date of " Certificate '' of Completion is the next day XXXX. There is NO Signature from me, XXXX XXXX, nor my wife XXXX XXXX. We had XXXX XXXX XXXX XXXX XXXX XXXX, TX, come out to give a ( bid ) Estimate. He was XXXX founded by what he saw of the partial install that XXXX XXXX XXXX had started! On XXXX, XXXX XXXX dba XXXX XXXX did come out to Remove Lowe 's Atrium Blemished windows and practically started to leave because of what ALL they were needing to do to get the windows into the Rough Opening ( Required ) to then Secure to 2 '' x 4 '' s. Lowe 's Windows returned, a full refund was issued " AFTER '' I had XXXX Police to assist me in making sure no one else lies as to what I've said or done. In fact the woman policeman who assisted me was in agreement after showing her pictures that the partial installation was ( horrible ) unprofessional. I've been fighting this dispute from day ONE! I found out thru my messages Synchrony Lowes that they've Accepted Documents that Clearly Show different dates and documents without Signatures!! Then tell me to work it out with the store ( Lowe 's ) manager???? Synchrony is still refusing to adjust our Lowes Advantage Account Correctly. They also sent me XXXX XXXX XXXX who lives in Florida Denial of her dispute as well! Lowe 's 3rd Party XXXX XXXX XXXX XXXX XXXX did NOT want to deal with me, end of story! All the above is TRUE and CORRECT, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: to whom it may concern i am writing to dispute the accounts that is in collections. i have disputed these accounts information as inaccurate with you, and you have come back to and stated you were able to verify this debt. how is this possible? under the laws of the FDCPA, i have contacted the collection agencies myself and have been unable to get them to verify that this is my debt. This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account. I am willing to pay $ _the mimumum amaount______, if you agree to delete this account from any and all credit reporting agencies. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this unverified debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. Please Note : This is not an acknowledgment of liability for this debt in any way or form. If there is any confusion about my position on this alleged debt, please refer back to the first paragraph of this letter in which I state : " I am unaware of this account ... '' That being said, let me be clear, this is NOT : a promise to pay, a renewal, an admittance to this debt, or in any way me agreeing this debt is mine. This is a restricted offer only. If you agree to the terms and accept this agreement, I will send you certified funds immediately after I receive this signed agreement. The funds will be sent only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within XXXX calendar days of receiving the funds. ( Collection Agency Name ) agrees to delete ALL information regarding this account from ALL credit reporting agencies WITHIN XXXX ( XXXX ) CALENDAR DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, for any reason, excluding your client on this account. If contacted by any third party, including credit reporting agencies, ( Collection Agency Name ) will not acknowledge that any settlement offer was made, accepted, offered, or executed and will deny knowledge of any such account. If you agree to the above terms, please sign ( by an authorized representative of ( Collection Agency Name ) this agreement below, print ( clearly ) the name of that signature, and provide the position held by the one signing this agreement. It will be implied that this letter shall constitute a legally binding contract, enforceable under federal, state, and local laws. Please also include with this signed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Received a pre recorded voice message ( robo-call ) from a debt collector representing Synchronicity- 64.1200 ) prohibits automatic dialers with prerecorded voice messages from calling residential phone lines without the prior express written consent of the called party unless the call : is made for an emergency purpose. isn't made for a commercial purpose. When a representative joined the line the caller began recording the conversation without requesting permission which is a violation of Maryland 's wiretapping law- Under Maryland 's Wiretap Act,10402. it is unlawful to record any private in-person conversation or any telephone or electronic communication unless you are a party to the conversation and have the permission of all the other parties. Additionally, recording with criminal or tortious purpose is illegal, regardless of consent. I immediately advised the caller that they were in violation of these regulations and that I did not want to be recorded, however they did not cease the recording. I advised them that they were to cease and desist all attempts at contacting me. Following this I received a message that my account at amazon had been accessed and my phone number had been removed, so it appears the caller accessed my personal information on file with Amazon & removed my phone number from my profile, which they did not have permission to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Accounts XXXX XXXX XXXX XXXX Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. SYNCB Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. Thank you, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A