Date Received: 2022-10-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have no idea what they think I owe them or why, ( and I don't care and I don't care about their threats to damage my credit rating. Even if they try that, they can't hurt me in that regard ). I have never had any dealings with them. However, many years ago they did withdraw about {$25.00} per month from my checking account at my bank up to about {$500.00} before I caught on to it. My bank claimed they didn't know who or what institution was doing it and they couldn't ( wouldn't ) even tell me where the money was going, but I don't believe them. I found out by accident a couple of years later when I was contacted by Synchrony Bank, the institution that is harassing me now and that took the money. My bank wouldn't help me recover the stolen money either, because after the 2 latest withdrawals the time limit for them to act was past. They only recovered the last 2 months ' worth of thefts from my account. After claiming to not know where it was going, they managed to recover 2 months ' worth. They can't explain that. These people have been calling my cell phone 2-3 times per day for several years now. I block their number every time but they are still able to call and leave messages. I never answer their calls. When I did answer a number of times, I told them to stop calling me, but they ignore my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX XXXX XXXX ( XXXX : Complaint XXXX ). Recently, I had to dispute an erroneous late payment with XXXX XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. However, because of XXXX 's actions, there were domino effects. I had an account with Synchrony and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to Synchrony, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact Synchrony. I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the BoA account is in good standing, my communication with Synchrony regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. Best, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX and again on XX/XX/XXXX Syncblowes pulled my credit without my knowledge and or permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37876
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have contacted SYNCB on behalf of a Lowes credit card, because they are reporting to the credit card agencies saying that I have a balance over {$5800.00}. I sent them letters to have them prove to me that I have singed a contract with them. They told me I was an authorized user on this account I asked them to remove me from this account as a authorized user. I haven't heard anything from them. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. This is the POSTAL ARTICLE NUMBER sent to SYNCB asking them to remove me. 1. ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: When SYNCHRONY Bank granted me a {$900.00} loan, all they did was take {$900.00} of actual cash value from me and transferred it to themselves ( SYNCB ) for free. The bank ( SYNCB ) did not loan XXXX cent of other depositors ' money for the {$900.00} promissory note. They did it by recording the promissory note as a loan from XXXX XXXX to the bank. The bank then used the {$900.00} they obtained from XXXX XXXX to create {$900.00} of new money called checkbook money. Checkbook money has equal value to legal tender because the promissory note can be sold for legal tender. Then the bank uses the newly created checkbook money ( counterfeit money ) to transfer the stolen {$900.00} back to XXXX XXXX ( the victim ) as a bank loan. LAWSUIT WILL BE FILED IN 30 DAYS IF NOT RESOLVED The lawsuit will allege the following : XXXX ) The defendant ( SYNCB ) advertised that they loan money. XXXX ) The plaintiff ( XXXX XXXX ) applied for a loan. XXXX ) The defendant ( SYNCB ) refused to loan the plaintiff legal tender or other depositors ' money to fund the alleged bank loan check. XXXX ) The defendant ( SYNCB ) misrepresented to the plaintiff ( XXXX XXXX ) the elements of the alleged agreement. XXXX ) The plaintiff 's ( XXXX XXXX ) bona fide signature does not appear on the alleged promissory note, because he always puts a XXXX cent stamp and signs in BLUE ink from top left to bottom right on stamp at a XXXX degree angle on promissory note. XXXX ) The copy of the promissory note is a forgery. XXXX ) The alleged original promissory note could not be produced by the defendant bank ( SYNCB ) with the plaintiff 's name on it : said copy purports to obligate the plaintiff ( XXXX XXXX ) to pay {$900.00} plus interest, giving it value today of {$900.00} if it were sold to investors. XXXX ) The defendant bank ( SYNCB ) recorded the forged promissory note as an unauthorized loan from the plaintiff to the bank as evidenced by a new bank asset and liability. XXXX ) The bank recorded an unauthorized loan having actual cash value of {$900.00} from the plaintiff to the bank. The bank returned {$900.00} actual cash value back to the plaintiff. The bank ( SYNCB ) made false statements claiming the unauthorized loan that they returned back to plaintiff was actually a loan from them to the plaintiff. XXXX ) The defendant ( SYNCB ) believes Plaintiff ( XXXX XXXX ) agreed to loaning the forged promissory note to the bank which in turn funded the loan from the defendant bank ( SYNCB ) back to the plaintiff ( XXXX XXXX ). Further, the defendant bank believes they have no obligation to repay the unauthorized loan from the plaintiff to themselves. The plaintiff 's signature never validated such an unauthorized transaction. XXXX ) By their refusal to loan other depositors ' money or legal tender as consideration to obtain the alleged promissory note, and by recording the alleged forged promissory note as an unauthorized loan from the plaintiff, the bank ( DISCOVER ) changed the cost and the risk of the alleged loan. XXXX ) The defendant bank claims they will be damaged if the plaintiff refuses to repay the loan, but the defendant refuses to acknowledge or repay the unauthorized loan from the plaintiff to them. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers. XXXX. ) RF XXXX XXXX XXXX. ) RF XXXX XXXX XXXX. ) RF 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: 324XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company keeps calling my phone # and I have asked them not to call me anymore. I told them they need to only communicate through mail we me about this so called debt. Below is just a few dates they have called. There are many more that I did not write down. XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received notifications that ALL ( XXXX ) my Synchrony Bank XXXX have been closed as of XX/XX/2022. I have no idea why they have been closed other than the fact that ( from what I was told ), I have been deemed high risk, and have the potential to not pay. I have quite a few accounts ; that I have never had late payments ; past dues with Synchrony or any other account that I have outside of Synchrony Bank. As a matter of fact, my credit history is Exceptional. The reps that I have talked to asked me to reapply, just figure it out, or read your terms and conditions. I was also told to contact the credit bureaus to see what they are reporting. When I did that, they told me everything on there end was good. I have applied for a lot of credit ONLY because I just built a home and needed to things for my home ; however. I am not a high-risk person. My salary is {$140000.00} a year, I pay all my bills on time. I am a VERY CREDIT conscious person ; and have been through a lot in my life to clean my credit and keep it clean. The only change that was made to my file was that my Bankruptcy fell off in late XXXX. Thats it. I really dont understand. I would like someone to look at each of my accounts individually and help me understand why my accounts were closed and hope for possible resolution. I would like my cc accounts re-opened and given another chance. XXXX XXXX no lasXXXX 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 XXXX XXXX XXXX XXXX Dont Have the last XXXX yes ( card hasnt come ) XXXX XXXX Dont have the last XXXX ( card hasnt come )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Fraudulent account opened in my name in XXXX of XXXX. I have been disputing this since XXXX when I found out about the account. I have sent police report, Identity Theft Affidavit and multiple demand letters requesting proof of ownership. All have gone ignored. I sent a cease and desist on XX/XX/XXXX to stop the harassing phone calls, emails and mail being sent to me in an attempt to collect on this fraudulent account. This was received by them on XX/XX/XXXX, however, a statement was then mailed on XX/XX/XXXX and more phone calls. A direct violation of the Cease and desist. They have also violated my rights under FCRA by ignoring my request for proof of ownership of debt. I am beginning the paperwork to file a lawsuit against this company for harassment and violation of rights under the Fair Credit Reporting Act. They have also added this account back to my XXXX Credit report after it was removed dropping my credit score dramatically. Added additional fees and continued collection attempts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I admit I made a late payment. I was struggling financially because of gas prices. I couldn't even afford to make a lunch at home and needed money for gas to get to work. I haven't made a late payment in a long time. I asked if late fee could be waived. I was told yes by " Customer Service Operator '' My next bill next payment/statement was ALOT more than my regular payment PLUS a late fee???????. I called to ask why this happened after I was told late fee was dropped and my payment was accepted. The " Customer Service Operator '' I spoke to was rude and difficult to understand I'm not even sure he understood me. So ... .Ok I got very agitated, all ready trying too hard to pay my bills. and gas to get to work. Oh ... and also ... ot takes almost HALF AN HOUR to get through to a " REAL PERSON ''???? Their Call System has way too many push button " requests '' I called back and got someone else who sounded nice and understanding but then she wasn't. I still wasn't getting an answer why this happened and I told her if the calls are recorded then a manager needs to go back and listen to it. Nothing was resolved. Each call got more and more frustrating. I demanded my account be closed. I cut up and burned my card. I used this card to help me afford my prescription medicine until my Insurance Deductible was met, some covered health products and some pet health products... I rather do without than be treated like this.!!!!! Something has changed with this company. Lately, too many " customer service '' " operators '' can barely speak understandable English and sound like they read off a script and don't really have their own reasonable explanation in their own words or even how they can help resolve the issue. Plus they are reluctant to transfer to a Manager. I know I owe money. But I am NOT being taken advantage of and paying back ONE CENT more to Care Credit. I've had enough of disrespect and attitude and lies and incorrectly trained " customer service operators '' my credit is in jeopardy all ready. I've tried so hard to maintain it. I don't need a company ruining it for me and making my credit even more negativily effected because I was lied to about a {$30.00} late fee I couldn't afford to pay and Now look at it!!! I'm NEVER going to be able to catch up. Shame on them. I've been with them for about 6 years ... .well NO more. I'm done. Life is difficult enough. This is the thanks I get for paying on time????
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: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: When I applied for rooms to go credit card XXXXXXXX XXXX was in the store, and no body told me about security card program, I never received any information about it and I NEVER agree with this monthly charge. I called so many times to cardsecurity and request a copy of my agreement whit this service and they send me a letter telling me I agree when I click on my application online, that is incorrect because a employee on rooms to go did the process for me. I cancel the service, and they offer me XXXX dollars for the inconvenience! I claim a fraude process but they only said wrong information about my account. I was unemployed for 1 year since covid, if I know a had this service for sure I was applied for the benefit. I called Rooms to go and after talked with XXXX representatives any one give me a solution, I called myshyncronic bank To make a fraud claim for take my money without my permission. I tried to contact the 3 companies a any one wants to fix my problem and security card do not have any record about contract or agreement showing my permission o prove of this purchase. I requested the statements from XX/XX/2017 and they are on the way. I send you a statement from XXXX with a unauthorized charge from my security card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A