Date Received: 2022-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX had notified me on XX/XX/22 that I had a hard inquiry ( for a new card apparently ) from Synchrony Bank out of XXXX, Florida that I did not make of never even heard of prior to this incident. I contacted the company during my lunch break the following day on XX/XX/22 & I spoke to two representatives & they said they can only access that account with either my account number ( which I dont have with them ) or the last 4 digits of my social security number, which I refuse to give them since I dont trust them with that info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The phone number for two-factor authentication is outdated. I can not " prove '' my identity online. This causes a cascade of problems and I am harmed. Synchrony claims the data is in error at a third-party ( s ) but the effect is not seen in any other account using the same third-party ( s ). It is irrelevant. Synchrony has created or caused to be created a condition that blocks me from full ad unfettered access to my account and equal protection under law. This condition has existed for years. Synchrony 's claim that outdated credit bureau information will eventually self-correct is absurd in context. It is dismissive and disrespectful of their charter. I do not have access to the old phone number. I can not complete any two-factor authentication process dependent on obsolete data. Synchrony unlawfully places the burden on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/22 a lady in plane cloths intruded into my living space in the guise of delivering a package. Having entered through the back gate that was closed without making any sound at the gate, she proceeded directly to the back door through the breezeway of the main house and started thumping on the door. And when I came out from my living area located on the opposite side in the annex, across from the breezeway, she mentioned she has a delivery for me that was in a box that resembled an online order delivery box. Then, she pulled out a sheets of paper stapled together and said that I have been served. I was having my breakfast and was really scared who this intruder inside the breezeway area is. This is to collect a debt of XXXX through Synchrony Bank. I'm assuming this person was working on behalf of Synchrony Bank or a service they had hired. The document said something about being from the XXXX XXXX. which there is a XXXX post nearby. So, I called the XXXX XXXX to find out if this person was legit or some intruder since the XXXX XXXX asked if she was a uniformed officer. Person was not. The lady was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really scared for my life because I'm not from here and I have heard some Banks send hit men to your place of living to get whatever they can. Please please help. Now that they know where I'm, will they send a squad to harass, torture and intimidate me in the further in to my sleeping area? I'm very scared Please help. Thank you. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77062
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need Synchrony to STOP pulling my credit. My credit score has taken a serious downward turn because of the numerous inquiries from Synchrony Bank. My score has dropped XXXX points due Synchrony keeps pulling my credit report over and over. I have ( XXXX ) credit card accounts with Synchrony Bank and they have continued to pull my credit. They have done nothing but ruined my Credit systemically. One account at a time taking the rest of my credit with it. This bank is the absolute worst. They lowered my credit limit on 3 of my credit cards without notice and never responded to my inquiry as of WHY. Ive been making monthly payments and have never been past due. Theyre worthless and dont communicate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I went to Sam 's Club in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The Sam 's Club 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank ( Synchrony Bank ) approved my credit limit of {$1000.00}. This credit represented a personal Sam 's Club credit card. This credit if for shopping in this store and Walmart only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in XXXX credit bureau because of this credit card application. I make a phone call to XXXX and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to Sam 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that Synchrony Bank is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call XXXX, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the Sam 's Club 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00727
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
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: I have tried to resolve this issue via Synchrony dispute 3 times. The dispute was mishandled by Synchrony 2 times. During the 3rd dispute, I was provided a partial credit. I filed a 4th dispute tonight, as my dispute has not been resolved and unfortunately, Synchrony has been unwilling to appropriately handle this financial matter. KEY FACT : I do not have any of the bedroom furniture purchased from Ashley Homestore XXXX. The damaged furniture was returned and the replacement furniture was never delivered. Therefore all of the money paid for the bedroom furniture must be refunded/credited back to my Synchrony account. A partial refund is unacceptable. DISPUTE DETAILS : On XXXX, we purchased bedroom furniture from Ashley XXXX XXXX, that was sold to us under fraudulent pretenses ( the guise that it would be assembled ). We were promised by the salesperson that the furniture would be assembled and were clear that unassembled furniture was not an option. It was delivered and was not assembled, as promised. After several calls to both Corporate Ashley and the XXXX store, an assembly person was sent XXXX. The furniture was damaged when he opened box and he damaged the remaining furniture in his failed attempt to assemble the remaining pieces. XXXX We purchased replacement furniture and paid {$2800.00} but Ashley never delivered this furniture, despite a scheduled delivery date of XXXX. ASHLEY PICKED UP THE DAMAGED FURNITURE on XXXX. We have received a partial refund and credit but Ashley STILL OWES us the remainder of the monies paid for FURNITURE WE NEVER RECEIVED. DETAILS OF REMAINING MONEY OWED : XXXX : {$2800.00} paid for replacement furniture that was never delivered XXXX : {$760.00} refunded back to my XXXX card XXXX : {$1000.00} credited to my Synchrony account ASHLEY STILL OWES US : {$1100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have 3 times over the phone to resolve this incorrect charge. I have NEVER had a problem before.I always pay my bills on time. They can not even tell me what was charged!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my name.Synchrony Bank Carecredit is the bank and the Plantiff is noted as XXXX XXXX XXXX XXXX. On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police XXXX XXXX I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact Synchrony Bank carecredit with no success due to it being outside of their business hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Federal Reporting Act the creditor : XXXX XXXX XXXX and Sync/Amazon PLLC , has violated my rights under 15USC1681 section 602, wich states that I have the right to privacy. 15USC1681 section 604A section 2 also states that any consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment of a credit card account under an open and 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: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed credit inquiries in which I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCB/TJX 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: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A