Date Received: 2022-10-28
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 another account opened crossing my info wrong fraud this acct XXXX PayPal. Also XXXX XXXX XXXX account I have filed Fraud with my County and XXXX XXXX XXXX reports of Identity Fraud Theft. Some accounts have been removed. These are a few as of now Im doing my best to get info and recognize the Fraud. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77535
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My complaint is actually about a creditor that I am not associated with. JC Penny card services has allowed payments to be made from my bank account without any verification that the account belonged to the cardholder. Someone is using my bank to make EFT payments to JC Penny. I contacted them and inquired about what information they needed to take the payment and was told only a routing number and account number. I asked if they required any matching address info or anything and was told no, only routing and account number. So someone can lookup the routing number to a bank and guess account numbers until one works? They said yes, I guess so. Why would a creditor accept a payment from a bank account that is literally listed on paper checks, without any matching info to the creditor? This should be illegal. I now have to change my business bank account information, which I use for our credit card deposits and charges, utilities payments and so on. This is a huge burden that could have been avoided if creditors were required to use some form of two factor authentication to verify EFTs. JC Penny is highly unethical for allowing these payments without proper identity verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/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: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Belk/Synchrony Bank reversed a payment. My bank and I have a copy of the Cashiers Check that was cashed by Synchrony Bank on XXXX. My Banker and I have repeatedly faxed this Cashiers Check receipt to Belk/Synchrony Bank XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I was alerted that Synchrony Bank made a hard inquiry which reduced my XXXX credit score by two points. Note that I have not recently either applied for credit nor have I requested a credit line increase with Synchrony Bank. I contacted their Customer Service Unit and they were either unable or unwilling to address the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: After relocating out of state and closing old and setting up a new bank account I called to make a double payment of {$400.00} in XXXX explaining the need to do this to provide time opening a new account. This payment was thoroughly explained and accepted after updating my address and other information that I needed to cover the current and following month. In XXXX I received no bill, no email, and no phone calls on the account. In XXXX I received a notice that my available credit dropped to {$1200.00} so I immediately called the company and was informed despite their employee accepting a payment for two months that they can't do that and despite speaking to multiple people explaining that it was deceptive to even accept the payment but I would pay the amount if they would correct my available credit back to what it was. After speaking to 3 people requesting a manager each time I was connected with someone who would only identify as XXXX, the only manager I could speak with and was told they could do a hard inquiry to see about a credit increase but the payment they accepted did not matter and there was nothing they could do. Following this phone call I was then locked out of my mobile/online account and could no longer access past statements, payment history, or any information what so ever on my account. I haven't found anything in their terms that says they will or even can do that. I made multiple attempts just to correct the problem because I was in the process of completing a homeownership course and my score dropped significantly because this is my oldest account and my available credit dropped {$7000.00} for an error on the behalf of their employee. Now that the account status is supposed to be closed and 3 final payments scheduled they are still sending me bills with interest rates and increasing billing amounts and not properly reporting this. I was at the end of paying off the amount on this card I have paid {$7100.00} of {$8300.00} and now lost the ability to buy a home but they're still increasing the amounts after I scheduled to settle since they wouldn't do anything to make this right. I also had a promotional purchase on XX/XX/XXXX that would of been paid beyond the full amount with payment made before and including XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX in the amount of XXXX that was being charged interest but I can no longer access online statements and did not receive two months of paper statements. I have exhausted all efforts at this point I will pay for the employee not aware of their own terms or conditions and it makes me sick to my stomach reading all the accounts of people that have had long term accounts with this company and experienced significant loss of opportunity because of what their practices did to their credit health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 265XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello Sir ; Im having an issue that needs immediate attention on my credit report because I have noticed unauthorized usage of my personal information to apply for applications thats not of my consent and thus is a fraudulent claim of the following services and a risk to my credit information. SYNCHRONY XXXX ( Bank ) XX/XX/2022 XXXX ( Retailer ) XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Early XXXX - paid XXXX XXXXXXXX minimum payment. Early XXXX - consolidated all my bills through XXXX XXXX banking. XX/XX/XXXX - XXXXXXXX XXXX sent Synchrony Bank a cashiers check of {$540.00}. Synchrony Bank cashed it. XXXX XXXX - XXXX XXXX switched credit card company from Synchrony Bank to XXXX. XX/XX/XXXX- XXXX is asking for proof of payment of {$500.00}. XX/XX/XXXX - sent proof of payment. XX/XX/XXXX- XXXX sends paper stating dispute is over with and have to pay. XX/XX/XXXX - Sent proof of payment again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was supposed to get XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told this office helped XXXX XXXX with community care service.The day I went there XX/XX/2022 I was put under anesthesia a temporary loss of control for medical purpose.I was told to sign a paper for the work to be completed so I signed not knowing this was a credit care application for credit until I received a bill in the mail telling me I owed {$15000.00} I was very upset.I did not go back to this dentist and I contacted care credit/synchrony bank in XXXX, XXXX. to complain and try to explain to them about what had happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On Tuesday XX/XX/XXXX I received a promotional email from Lowes Credit Service via synchrony bank advising that if I used my Lowes Credit Card I would receive a XXXX percent rebate versus the normal XXXX percent in store rebate. I used this card for purchase order number XXXX for a range and observed the cashier scan the code during checkout. After returning home I looked at the receipt and it did not show a XXXX percent discount only XXXX percent. I cancelled the order and attempted a similar transaction online using the same code and received an invalid code notice. I returned to the store and was advised to call XXXX XXXX who in turn advised me to call Lowes Credit Services as this was their promotion. After XXXX minute on the phone the customer service representative said I needed to go back to the store and attempt the same transaction and then advise them what the error code was when they attempted the transaction. I advised them that there was no error code when I personally witnessed the first transaction and that still doesn't explain why the attempted online transaction gave me an invalid code when I entered the digital information. By way of background I received one of these promotional emails earlier this year in XX/XX/2022 and did not receive the percent rebate during checkout and after a lengthy discussion with the cashier and onsite store manager in XXXX, Georgia I cancelled the transaction. In my estimation Lowes Credit Services via Synchrony Bank is conducting a bait and switch fraud on consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A