Date Received: 2022-10-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I received a credit monitoring alert that a new credit card was opened with SYNCB/PPC which is Paypal Credit XXXX So I called the creditor and they verified that someone uses my name and address but the email address didn't match mine. Someone opened up a credit card with Paypal credit on XX/XX/XXXX and charged {$1800.00} and I don't know what it was for. So the creditor closes the account and submits it to their fraud department. I have already contacted the credit bureau about this fraud transaction and I was told to go to ftc.gov to file a fraud report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX a line of credit for over {$13000.00} was open using my personal information. There is a balance of {$10000.00}. This is not an account I opened, and I do not have any knowledge of such a transaction. This account has been reported to all three credit bureaus and have dramatically affected my credit scores. I asked each agency to dispute the account and XXXX say they were able to verify the account as accurate. Again, I state without a doubt, this is not my account. The information on the report is SYNCBXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone number XXXX. I have not attempted to reach out to them because I believe the company information could be fraudulent. The terms to repay says {$0.00}, per month, paid Monthly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
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: About XXXX XXXX years ago I opened an account with qvc. About a month ago with no notice no validation no communications they shut down my account... .my purchases were paid by my personal credit card. When I questioned why I was shut down they qvc stated that I owe a balance of XXXX with synchrony bank from 2017 ... to contact the collection agency XXXX...... I contacted the collection agency and they no longer have this account. When I informed qvc of this they stated that I can no longer shop at qvc and that im barred and that synchrony has written off the account. Before the shut down on my account I was paying on my purchases ... as explained never got any validation of this XXXX debt with synchrony ... this is on my credit report and would like it to be removed it is a degrotory remark ... .because my account was shut down and still paying on purchases I can not access my account... I still owe around XXXX ... .because of not being notifies of the shut down on my account and I still liable for the remaining balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01824
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Synchrony Bank is charging me for a credit card I did not ask for, apply for or receive. They demanded that I pay and damaged my credit score when I would not pay. On XX/XX/2022 I paid the full amount {$160.00} and demanded they cancel the account. Today I received an ebill for {$83.00}. Where does this stop, who holds these people accountable for ongoing fraud?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33756
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: 2022-10-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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 purchased a fridge on amazon.con on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but it arrived damaged so I returned the fridge to Amazon. Until today Synchrony bank is NOT resolving the issue of refunding me my money of XXXX dollars and amazon is not refunding the money either. Synchrony bank gave a temporary credit but that is wrong I should get a permanent credit for my XXXX dollars since the fridge was rejected and returned back to amazon on XX/XX/2022. I do not have the fridge and so synchrony bank and amazon should refund me my money permanently. I have called synchrony bank but they did NOT call me back and they ignored my calls. This is the worst customer service ever. I want my money back since I returned the item back to amazon 30 days ago I disputed the charge with synchrony bank but they did not resolve anything and nobody has contacted me about a resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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: Today at XXXX I attempted once again to speak to someone ( XXXX XXXX at SYNCPB/PPC Paypal credit as this appears on my credit report. I have already provided previous information to my Credit Bureaus, namely XXXX as well as the other XXXX. They have refused to properly investigate and have simply sent an effortless response saying that they investigated and that this shows as belonging to me. I was told that my account has a {$0.00} balance and was closed. I responded that it was I that requested it be closed but was told that they closed it due to delinquency. This was not the case as I remember it. However, I'm not sure if this minor fact is relevant. I expressed my point that I had made a significant payment of nearly {$1800.00} and that no balance had remained. All my payments were made on time. But somehow, XXXX accounts which appear to be the same account have been reported twice to my credit report significantly impacting my credit score twice more than justified. I even made another payment XX/XX/XXXX in order to prevent any further complications and to mitigate any error in my power. I requested the proper address of the department which is responsible for reporting this error and was told that it is NOT POSIBLE FOR ME TO BE GIVEN THAT INFORMATION. THIS IS EXTREMELY UNFAIR AND LEAVES NO OR LITTLE OPTIONS TO CORRECT THIS ERROR. This is a violation of my consumer rights and circumvents any ability I have to help correct this. I requested that this be corrected immediately and I was told that it was not possible. How can this be? I am left with no option and no remedy to correct this except to rely on the credit bureau- which as we can see will only side wit the merchant /company that reports this in obscurity. Please assist me. This has dropped my credit score significantly where it remains in an area range hopeless to obtain further credit or further participate in commerce related to credit despite a good credit history with several other accounts. This negative consequence is disproportionate and deserves legal action. ATTACHED : Shows a further attempt to make an additional payment of {$27.00} in XXXX. I had a XXXX balance before this. I closed my account in XXXX to help ensure that there there was no further issue and in order for me to narrow down where this such error may be occurring. So my Balance is {$0.00} but yet somehow this merchant still reports me as late for XXXX. How is this possible? ( The additional merchant on this attachment is addressed in a separate complaint I have submitted very recent ). Further, I was promised today that I would receive an email confirmation reflecting a {$0.00} balance by SYNCPB/PPC this merchant in question but still have not received it so that I may include it in this complain herein submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 SYNCB/Amazon -Not Authorized XX/XX/2022 XXXX XXXX XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX XXXX -Not Authorized XX/XX/2022 XXXX XXXX XXXX - Not Authorized XX/XX/2022 XXXX XXXX XXXX Not Authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am concerned because i only owed XXXX on my care credit and out of nowhere they raised that I now owe XXXX I understand that there was a promotion for a year and that the year is up. But why are they charging me XXXX more to my new balance instead of now charging me interest fees? As my understanding they should charge interest now that the promotion is over but why add XXXX to the balance? As well as I was paying XXXX dollars interest every month before the promotion was over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, I received a Summons from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC. XXXX. The Summons was filed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, MI. XXXX. The Summons appears to be related to an unpaid balance of {$2100.00} that, although charged off, was originally owed to PayPal Credit or PayPal Credit Card by : XXXX XXXX, XXXX XXXX XXXX, XXXX TX. XXXX. I do not know any of the dates involved. I know nothing of this debt. I have never had a PayPal Credit Card or an account with PayPal Credit nor have I ever lived in Texas. I have lived at my current address since XXXX and have lived in XXXX XXXX, Ohio since XXXX. This appears to be some sort of mistaken identity but I know nothing else about the debt except that I am not the person who owes it. I have filed an Answer with the court stating the above. I received no other information prior to receipt of the Summons. Since the Summons, I received a notice from XXXX, signed by XXXX XXXX, stating IT IS SO ORDERED ( not signed by the judge ) that they may attend a PreTrial Hearing by phone. I subsequently received a true notice from XXXX XXXX Municipal Court denying the XXXX phone attendance. I have also received an Affidavit of Fraud from XXXX XXXX XXXX in which they are asking for various types of information, including a police report. However, I am not aware of any type of fraud. To me it appears that either XXXX or XXXX XXXX XXXX just found my name somewhere and sent me a Summons hoping that I would pay. However, as I have stated, I have never had a PayPay Credit Card nor an account with PayPal Credit and I have never lived in Texas. I do not see any indication that this is identity theft. I see this as an attempt to collect an unpaid debt through intimidation, hoping that I would do whatever I could to avoid court. At this point, it seems like the burden of proof has been put on me rather than XXXX, when it should have been them verifying that I am not the person they are looking for, rather than just their intimidation after finding someone with a similar name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A