Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I went to the dentist for a cleaning. They said I needed their version of invisaline, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Friday XX/XX/XXXX they call me XXXX time in a row and have called everyday several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02360
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: 2022-11-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Ive noticed my minimum payment increase dramatically, I reached out and received different replies. They range from the rate doesnt go down to the rate increases evethough the balance decreases. I was just told the rates the same as when I opened this account which is false. I asked why would XXXX XXXX, XXXX and XXXX slow me to file and be granted a rate reduction but they wont allow even a request. Unfortunately I feel this lending practice is strange.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank for the second time has closed an account of mine for a store card WITHOUT notifying me when I've NEVER missed a payment They claim that they took this action based on internal credit formulas. In essence they canceled my account based on a credit score change that they can't prove affects my payments to them and essentially further plummeting my credit score when I'm breaking my back to pay them over other creditors I've had long before them. This is malicious, egregious, unethical, and intentionally spiteful. I was working and saving to get myself back in a vehicle following an auto accident and now my credit will suffer a devastating blow because a company that I never missed a payment to decided to viciously close my account to make their books look good after I've made payments on time to that account to them. I don't trust malicious businesses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX calls me 20-30 times a day. Non stop back to back to back. Ive told them not to contact me any more. This has been going on for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: ADDENDUM : ( Amazon/Synchrony ) On XX/XX/2022, I received a suspicious email stating that I had received a digital letter response from Synchrony Bank and my zip code was required to open to open this letter. I deleted this email. I then checked my account again with Amazon/Synchrony because of a previously submitted CFPB complaint sent onXXXX concerning an incorrect account balance of {$240.00}. When I opened my account again, I discovered that my account balance has now increased to XXXX. I have not made any additional purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX keeps trying to charge us {$210.00} for XXXX XXXX cards @ {$210.00} which we never ordered. Notified them immediately to reverse. Twice they have snuck them back into our account. We are XXXX XXXX XXXX and have no game devices and no need for cards and never got them. After XXXX reversed challenges they need to XXXX sanctioned and reverse the chargesagain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello, on XX/XX/2022, I was purchasing a Watch via a highly reputable luxury used watch company who also offered their services on their XXXX store. This is not the point. I ended up purchasing the watch and everything is fine on that end. However, even though I just paid the full amount for the watch, i initially tried to do it through paypal credit, which would have allowed me to pay over time interest free, one of the options to purchase the watch. So I signed up for paypal credit and was approved for a XXXX limit and then tried to proceed multiple times to then purchase the watch via paypal credit and each time an error showed up. So I eventually gave up and just paid the full amount of the watch myself. My gripe is that paypal credit essentially had me sign up, Ran a hard inquiry on my credit report, and then declined to fulfill their obligation, essentially creating a worthless hard inquiry on my credit report without even being able to use their service ( despite them approving me for XXXX credit line ) ( watch amount XXXX. ). I then called paypal credit customer service to get this hard inquiry removed and they essentially told me they couldn't and to call paypal. Therefore, I called paypal who made up various nonsensical excuses like oh " new credit may have placed a fraud on it '' to which I responded then why offer the service, and they essentially directed me back to paypal credit. Neither agreed to remove the ridiculous hard inquiry on my credit report. This was ridiculous to sign up for a credit line to pay for something, get approved, and then have the service not work, leaving me with a hard inquiry and nothing to show for it, and then neither company paypal or paypal credit saying they can correct the error. I have attached a screen shot of my paypal credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
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: According to the Fair Credit Billing Act, the credit card company has 90 days to investigate and properly communicate to me the results of my dispute. The credit card company failed to acknowledge my dispute complaint when I initiated it back in XX/XX/2022 and subsequently they never mailed me documents following up about the dispute and instead they closed it themselves without any explanation to me and they did this after the 90 day period in late XX/XX/2022 well past the 90 days. The reason for the dispute is that I was promised a credit refund on this card from Lowes that I never received from the store. I had written communication from the management that promised me such a credit refund. Despite me explaining to the credit card company the circumstances, they still decided to improperly file the dispute as me not receiving the products or service when I never made such a claim to them. This mistake further delayed the dispute process. I have reasonably doubt that the dispute was not done in good faith because even when I sent in copies of my communication with the store, the credit card company did not follow up to ask questions surrounding the circumstance and did not communicate at all with any updates. After Lowes closed the investigation and I had no other recourse, I finally was able to meet with the manager at Lowes who confirmed the credit due to me and issued the appropriate refund. However, during the investigation, I was not able to reach Lowes and the credit card company was not taking my complaint at all serious by first not even listening to what I had to say and filing it. After the credit card company denied my dispute some months after, Lowes did issue the appropriate refund. However, I still think that the Lowes credit card should pay me the sum of the dispute amount as penalty as penalty for not properly adhering to the FCBA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a Lowes 4 Pros account. If you need any additional information, please contact me at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A