Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Best Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I've been a CareCredit / Synchrony Bank customer in the past, having no issues in financing a medical procedure and paying it in full within 2 years -- interest-free! However, I closed the account afterward to eliminate extra credit lines.When it became necessary several years later to finance dental work, I eagerly signed up again for CareCredit. I put the account on autopay and wasn't concerned enough with checking my statements, as I trusted this credit provider and the two businesses where I provided the card information. I would've previously recommended Care Credit to a friend, but certainly not after they signed me up for their " Card Security program '' without my consent or authorization. It looks like this is a very common scenario based on the numerous reports I see from others. They've promised I should see the refund within a week ( most of it -- their total promised refund is {$520.00} and some change ) but their behavior when I called in was sketchy and I thought it was worth bringing to the attention of CFPB as I'm sure there are many victims who are still unaware, and some who can not speak with this shady " protection '' business without having their calls disconnected. I also want to ensure I get my full refund, compensated further for my time in an ideal world, but at least the actual amount I am owed since we live in reality. I noticed that I had strange charges on my statements for every single month I had been a card holder, with the charge increasing as the card balance did. Because the charges were initially unknown to me, rather than call the number listed on them, I directly contacted the Synchrony Bank Fraud Department on the night of Friday, XX/XX/XXXX ( PST. Saturday the XXXX in EST where CFPB and Synchrony Bank are located ) For any other consumers reading, I do live in a state where phone calls only require " one-party consent '' to record audio. This means the only person who needs to know about the ongoing recording is the person doing the recording. Please look up your state laws but I encourage you to record your calls if it's legal to do so. In some states you must have consent of 2 people on the call, which means a company like this must be informed of recording and then can hang up on you in retaliation. I recorded this interaction and notified the representative before launching into my issue. She refused to help as the charges " came from the bank, '' told me she would have to transfer me to customer service. ( Hmm, so Synchrony is the fraudster? ) I reiterated that they were fraudulent and unauthorized, and after her debating with me the meaning of the word fraudulent, I told her I'd like to talk to a supervisor to have the issue resolved. She was very happy as this let her get rid of the call. Surprisingly, rather than pull the old " send the caller back to the queue '' trick, she did transfer me to an Account Manager who seemed understanding and friendly, but told me she could only access the past 3 months of my account ( super strange, if true -- not only are you an Account Manager but you're part of the fraud department, and can not see all history on a card!? ). She said she'd be putting in a refund and cancellation request for those 3 months ( at this time I've seen nothing to confirm this ) but advised me to call the number on the statement during their business hours to see about a full refund. I thanked her and ended with some nice words as she did seem like she wanted to help. I notified this rep at the beginning as well that the call was being recorded, and no push back on her end. My first call to their " Card Security '' department on XX/XX/XXXX, their automated system told me the calls " may be recorded. '' When the representative answered the phone, I did begin by letting her know I was recording on my end. She then disconnected the call. Seems sketchy, yes? That is the type of behavior you'd see from those technical support scammers, not from a legitimate business. I called back immediately while continuing my recording. The representative that picked up this time, I asked him, " Is it true that these calls may be recorded? '' His response was, " Yes, for training purposes, we do record them on our end. Is there a reason you are asking? '' To which I said, " No, just curious. '' I could tell he was looking for a reason to disconnect the call, and because I'm protected under state law I saw no reason to be honest when answering that particular question from this dishonest company. That representative did promise that they'd be crediting back {$520.00} ( a few dollars short of my total, but not enough to debate over ) and cancelling the " subscription '' effective today. He said within a week I should see the refund. I ended the call by asking him why they are permitted to record on their end but not the consumers. He said all he knew was they used it for training purposes but he wasn't allowed to speak about any other reasons. Interesting. Summary of Charges : - {$20.00} on XX/XX/XXXX - {$19.00} on XX/XX/XXXX - {$19.00} on XX/XX/XXXX - {$18.00} on XX/XX/XXXX - {$18.00} on XX/XX/XXXX - {$18.00} on XX/XX/XXXX - {$65.00} on XX/XX/XXXX - {$63.00} on XX/XX/XXXX - {$63.00} on XX/XX/XXXX - {$61.00} on XX/XX/XXXX - {$78.00} on XX/XX/XXXX - {$82.00} on XX/XX/XXXX XXXX : {$530.00} My recordings are available to CFPB upon request. Synchrony Bank certainly already has them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Unauthorized transactions were placed using my amazon synchrony card in XXXX. I reported the transaction to the bank, and the bank started investigating. After the investigation was over, I received a letter stating that the items were sent to my address. However, I have never authorized these transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the FairCredit Reporting Act. Synchrony Financial has violated my rights. Under 15USC1681 section602 states i have the right to privacy. 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on credit card account under an open installment plan as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37388
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was encouraged by Verizon XXXX to open a Verizon credit card to save money on my bill by enrolling in autopay on my credit card. I was also promised cash back on my purchases on this card which could be applied to my verizon XXXX bill. The bank card was SYNCHRONY BANK visa phone number XXXX. They closed my account after processing over {$5000.00} in charges and payments. I found out about this closure when I went to use the card and it was declined and I called to find out why and found out they had closed the account. When I opened the account they said that I entered my banking info wrong. I corrected this and processsed two charges and one payment after this fact that were not declined. Only weeks later when I went to use the card again was I made aware that I no longer had a card. I had accumulated {$62.00} in rewards points which I was trying to redeem but I was transferred three times to different departments that ended up back on the first one with a recorded loop that would not give me any options for redeeming these points. First of all, they closed my account after they accepted charges and payments that went through just fine. Second of all, they did not alert me to the changes, I found out when my autopay did not go through and I ended up being billed {$50.00} more for that month 's charges. THird, they did not give me my bonus money back. Numerous calls to both verizon and synchrony have ended with each pointing me to the other and nobody resolving the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act this creditor has violate my rights under the 15 US C 1681 section 602 states i have the right to privacy. 15 US C 1681section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions only 15 US C 1666b creditor may not treat a payment on a credit card under an open 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: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i have this on my XXXX report that i requested a inquire but i was in a XXXX and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I received notification stating " Retail Card Over Limit ''. SYNCHRONY Bank had taken my credit limit to an amount ( {$900.00} ) lower than my current balance ( {$900.00} ). The company decided to decrease my line with no previous notification on doing so. This is wrong and unfair to customers given that all my payments have been done on time and my income has increased since I applied for this service. Also it is important to mention that they use tactics to lie to customers regarding their services. I was told that this was a loan rather than a credit card. This is not the first time they do a line decrease on my account, which is absurd given that my other credit companies increased my limit. Also I don't know how or if these companies are allowed to inquire about my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: Recd a PayPal credit card statement via certified mail. I dont have a PayPal credit card and the statement has very odd charges listed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: PayPal and I have a dispute over {$1500.00} they gave me - not a direct part of this complaint, but I contend that it is the cause of PayPal 's criminal actions against me. Please note that their criminal acts also prevent me from addressing the matter. This complaint addresses a recurring criminal act- PayPal will not allow me to log in to my account. Complaints to your office result in a single login and the block is returned.PayPal 's criminal act of blocking my online access is interfering with my financial relationship with a third party. I am harmed by PayPal 's criminal acts. When I can log in to PayPal.com when I see fit to do so, I will fulfill my obligations to PayPal. Because I can not login to PayPal.com, I am harmed and demand immediate remedy.ect me to be stupid. PayPal will tell you - as they have told me - that this is a website error. IT IS NOT. Please do not expect me to be stupid.
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: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A