Date Received: 2022-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unrecognized credit pulls on credit profile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had a rewards credit card with a limit of {$200.00} from TJX. I was late on one payment and since it wasnt much of a credit line I decided to pay off the card and close account. Theyre reporting a late payment on my credit even when I closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01843
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The Amazon connected Synchrony Bank credit card is charging $ XXXXmonth in interest payments, though the balance on the card is at {$0.00}. This feels like fleecing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been being charged late fees, for having late fees even after I pay my required minimum account balance of {$55.00}. I made a large payment on my account of {$320.00} on XX/XX/2022 which was XXXX days before my payment date of XX/XX/XXXX. I was XXXX days late in XXXX paying my bill on the XXXX and they charged me {$41.00} late charge. I called them and tried to dispute the late fee after I just paid a large sum to them and they refused. Since then to current, I have been paying my minimum payment on time but they have been charging me late fees for not paying the late fees. That is causing my account to look like it is a delinquent account and it is not at all. I tried calling them again and spoke to a supervisor but they give me the same song and dance about I had a fee waived in XXXX and they wont take any late fees off. I do not want them to report to the credit bureaus negative on my credit history because I do have an exceptional history of payments. In the beginning of my account with them unbeknownst to me they dropped my credit limit for my account which in turn had a negative affect on my credit history. I would not like to have them pull something like that again so please help me to have the necessary fees waived so I can have my account in good standing like it should be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX I was notified that synchrony was trying to collect an alleged debt.Shortly after I reviewed my credit report and had seen there was a charge off/written off account of {$4600.00} on my credit report ( to which I wasn't made aware of prior nor gave consent to furnish ) XXXX XXXX XXXX I sent out a dispute letter via certified mail to all three reporting agencies ( XXXX, XXXX XXXX and XXXX ) regarding XXXX debt that they were claiming I owed. ( this alleged account has also been constantly reporting charged off every month and is also written off/charged off ) ( There can not be a balance due on a charged off account and when it's been written off for taxes.That is a XXXX tax form ) XXXX went by and I still had not received a response or notification about my dispute letter to each of them.That being said, on XX/XX/2022 I sent out a request for a debt of validation ( pursuant to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to synchrony 's debt collector ( XXXX XXXX XXXX XXXX XXXX NOT licensed to collect debt in my XXXX XXXX XXXX and also retrieved my consumer report with out my consent or acknowledgement ) XXXX XXXX continued I still had not heard from any XXXX of these businesses so I then sent out more debt of validation letters on XXXX XXXX to the XXXX CEOs of the XXXX credit reporting agencies via email requesting validation and deleting of this account if they could not properly validate this account and to remove any information that is not true, accurate, or compliant with FCRA.XXXX XXXX XXXX XXXX XXXXo XXXX has responded back to me as requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I applied for a Lowe 's Credit Card through Synchrony Bank, XXXX XXXX XXXX, XXXX Fl XXXX on XX/XX/22. On XX/XX/22 I received an email from Synchrony with a reference number to review the details of my application. The code did not work ( attached ). I called Synchrony on XX/XX/22 and explained the code did not work and they stated they would send me a written explanation of my denied card application. When I asked why it was declined they stated they could not share that information. Several days later I received the attached letter which was not an explanation as to why my application was declined, but a letter regarding inaccurate reported information. I called them again on XX/XX/22 stating I still have not received the reason for my denied application and shared the letter I did receive. I was told that was sent in error and a request for the denied letter would be requested again. On XX/XX/22 I called back because at this point I requested my credit report from XXXX which is who Synchrony stated they used to make the decision and my credit report was perfect and had a credit score of 833, On the XX/XX/22 call I insisted on speaking to a Manager and someone by the name of XXXX came on the line and I explained what happen and asked why the application was denied. After going back and forth she finally shared the reason for the denial was based on risk factors in confirming my identity per the XXXX credit report. I asked for more details and she said there are none. I need to call XXXX to resolve. I said I already did that and they see nothing suspicious or inaccurate on my report. I again asked for the official denial letter and again I was promised another request would be entered to send me a copy. Today is XX/XX/22 and I have never received the denial letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2022, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. XXXX XXXX XXXX and XXXX XXXX have failed to validate the debt of {$7700.00}. According to case law XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX is also in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report as a means to negatively affect my future consumer transactions and swindle me into making payments in order to remove the account from my consumer report. Again, I do not give XXXX XXXX XXXX or XXXX Funding permission to report a collections account for the amount of {$7700.00} for account number XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities and according to XXXX law, this includes reporting to the XXXX credit bureaus XXXX, XXXX, and XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/2022 I paid {$1100.00}, {$550.00} each transaction, to XXXX for one way flight tickets to XXXX from XXXX, using PayPal Credit. These tickets had rebooking terms that stated I would only be responsible for fare difference and monies paid would go toward the rebooking cost. When I needed to rebook on XX/XX/2022 the terms were honored, but they were not honored when I needed to rebook on XX/XX/2022. I disputed both {$550.00} transactions, one of which I had already fully paid off, the other I had made over {$100.00} in payments towards, with PayPal Credit aka Synchrony Bank on XX/XX/2022 and on XX/XX/2022 I received an email from Synchrony Bank stating they could not continue with my dispute because I already disputed these transactions with my financial institution. I reached out to Synchrony Bank via live chat the same day, as I paid with PayPal Credit aka Synchrony Bank, so its impossible for those charges to be disputed anywhere else. I was told by the agent that the disputed had been resolved in my favor and credits for the amount of both {$550.00} transactions had been credited to my account permanently. I made sure to confirm these were not temporary credits while the dispute investigation was ongoing ; I was assured it was permanent and the dispute was resolved. However, one credit was reversed on XX/XX/XXXX with no explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
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: 1. SUMMARY I was charged for goods and services that weren't delivered as agreed. I bought software with specific features and lifetime support. When I got the software, it did not include the features or support. Synchrony Bank denied my dispute based on an allegation from the WRONG VENDOR. Synchronys dispute-resolution department simply made a mistake that it refuses to correct. 2. PROBLEM WITH THE VENDORS SOFTWARE The vendor, XXXX, provides software to automate trading on foreign-exchange markets. The software was advertised online to have the features screenshotted in Advertised Features attached. What I got did not have those features. It only had the features screenshotted in Received Customizations, lifetime version, attached. 3. ATTEMPTS TO RESOLVE THE PROBLEM WITH THE VENDOR On XX/XX/2022, I bought a one-month license to the software for {$89.00}. Later that day, I told XXXX, Somethings wrong. The [ software ] is not the same version as is advertised on your website. Its missing a whole bunch of inputs. How do I get the right version? ( Email XXXX, XXXX ). XXXX replied that I had the latest version. So, I asked for a refund on XX/XX/2022. XXXX did not provide a refund. Instead, it said that the advertised features were only part of the lifetime license ( Email XXXX, XXXX ). It also said the lifetime license included lifetime support ( Email XXXX, XXXX ). On XX/XX/2022, I bought the lifetime version for {$500.00}. But what I got was no different. I again asked XXXX for the correct version, but it would not provide it. Instead, it replied, We just discovered an amazing trick to maximize profit. This feature is being implemented, We implore you to kindly wait for this superb version over the weekend ( Email XXXX, XXXX ). At this point, I realized that I had been misled. On XX/XX/2022, I asked XXXX to refund both purchases. It refused. It did send me a new file, claiming that this was the correct version ( Email XXXX, XXXX ). It was not. It did add the ability to customize assets. But the software still did not customize drawdown, filter news events, or set profit-taking. Since XX/XX/2022, XXXX has not responded to my communications. XXXX. PROBLEM WITH THE VENDORS SUPPORT Because XXXX has not responded to my communications since XX/XX/2022, it also has not provided the lifetime support I paid for. XXXX. ATTEMPTS TO RESOLVE THE PROBLEM WITH SYNCHRONY BANK On XX/XX/2022, Synchrony denied my dispute, because the seller/merchant will not issue a credit for your merchandise as long as it is still in your possession ( Synchrony Final, 1, attached ). There are three problems with this position : First, I do not still possess the merchandise. I had permanently deleted it before filing the dispute. Second, Synchrony bases its position on information from the WRONG VENDOR. I asked Synchrony for the documentation that the merchant provided to substantiate its possession allegation. On or about XX/XX/2022, * Synchrony replied with a Representment by XXXX XXXX XXXX company that is wholly irrelevant to this dispute ( Synchrony Final, 2, attached ). [ * Synchrony upgraded its computer system on XX/XX/2022. As a result, the records of my dispute no longer appear on my account. So, I can only estimate this date based on what I saved locally. ] Third, even if I did still have the software ( which I do not ), Synchrony misses the point. The goods and services I bought were never delivered as agreed ; something I never asked for was delivered ( see Sections 34, above ). Synchronys position is like saying I bought an apple pie, I got only an apple, but I still have to pay for the apple pie that I never got.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A