Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: -- -- - Opened new XXXX XXXX XXXX XXXX on XX/XX/2022 to take advantage of a double reward promotion happening at that time and received temporary credit card to use while the permanent card was coming in the mail -- -- - Attempted to make purchase at XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 for {$310.00} and received noticed there was a problem with the order and was required to verify all card information. After verification, purchase came back declined again. XXXX XXXX XXXXXXXX stated that expiration date and security code entered were being denied as entered -- -- - Contacted Synchrony Bank on XX/XX/2022 and confirmed all card information, including available balance and that there were no issues with temporary card. Representative stated that they had no transactions made on card at all. XXXX XXXX XXXX supervisor attempted to manually enter credit card information and purchase of {$310.00} was again declined -- -- - Attempted to make purchase at XXXX XXXX XXXX again on XX/XX/2022 for {$310.00} and card was declined. XXXX XXXX XXXX supervisor contacted Synchrony Bank who informed them that I had two credit cards with them and I was using an expired card -- -- - Contacted Synchrony Bank representative on XX/XX/2022 who confirmed that I do not have any other credit card open with them and the temporary card was not expired since it was just issued the day before. Representative offered no solution and informed me that I must wait for my permanent card to come in the mail if the temporary card keeps coming back declined. Requested to speak with Synchrony Bank supervisor. Supervisor stated that permanent card was activated the day the temporary card was issued before it was even mailed out or created causing all transactions to decline. Supervisor deactivated permanent card and stated that there would be no issues once the permanent card was received. Supervisor stayed on line with myself and XXXX XXXX XXXX to ensure that transaction of {$310.00} went through -- -- - Purchase made with temporary credit card on XX/XX/2022 at XXXX for {$500.00} processed without issue -- -- - Paid off credit card balance of {$820.00} on XX/XX/2022 -- -- - Received permanent XXXX XXXX XXXXXXXX XXXX and activated card. Made purchase on XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX of {$5100.00} -- -- - Received call from Synchrony Bank on XX/XX/2022 requesting that I verify purchase details to confirm purchase of {$5100.00} was made by me and representative had text message sent with verification link. After verbal and text verification was completed, representative stated that my purchase was fraudulent and my card was being cancelled and a new one was being mailed out. The entire reason I signed up for the credit card was a double reward promotion that would end before a new card would reach me. I was previously told to wait for a permanent card and that I would have no issues when it reached me, which is why I waited to make my large purchase until the permanent card came -- -- - Requested to speak with Synchrony Bank supervisor on XX/XX/2022. Supervisor put temporary release on credit card and stayed on phone while XXXX XXXX XXXX was contacted to process {$5100.00} transaction again. XXXX sent new credit card with one day shipping -- -- - Received new XXXXXXXX XXXX XXXX XXXX. Attempted to activate card on XX/XX/2022, but card was missing security code. Contacted XXXX XXXX XXXX and spoke with supervisor who provided {$50.00} account credit and sent a request to issue out a new card -- -- - Still have not received new XXXXXXXX XXXX XXXXXXXX XXXX as of XX/XX/2022. Spoke with supervisor XXXX who sent another request for a new credit card to be mailed out. USPS has informed delivery at address so card was not lost/stolen as they never received it to begin with. Supervisor did not care to listen or address concerns and seemed bothered that I requested to speak with her and enter a formal complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48101
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 1. Synchrony Financial - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 4. XXXX XXXX XXXX - XX/XX/2021 5. XXXX XXXX XXXX - XX/XX/2021 6. XXXX XXXX XXXX - XX/XX/2021 7. XXXX XXXX XXXX XXXX XX/XX/2021 8. XXXX XXXX XXXX - XX/XX/2021 9. Syncb/Care Credit - XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had two Care Credit/Synchrony Bank Cards ( for XXXX providers ) in the past. I thought both accounts are closed : The CARECREDIT / SYNCHRONY BANK website states : Important This account has been closed. No further purchases will be allowed. It shows no balance on my account Now that I have a new dog I want to open a new account. But my applications are denied stating, Existing account with our credit program. If the website says my account is closed and the letter states I have an existing account then someone must be using my Social Security number FRADULENTLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52245
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have two inquiries from XXXX And one from SYNCB/JC PENNEY XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A former friend opened a credit card with Discount Tire through Synchrony Bank and fraudulently used my phone number as well as her own on the account. She has not paid into the account and it's past due so now I get automated calls from Synchrony 3-6 times per day on various numbers as they attempt to collect a debt that is not mine. The card is not in my name thankfully but my phone number is on her account when it has no right to be as I did NOT give my permission to do so. I called Synchrony and they claim they can not remove it. That the cardholder herself has to call to do so despite that its MY number. She will never call as she owes them money. They refuse to stop calling me on a debt that is NOT mine. It interrupts my work and personal time and if this continues, I will be forced to change my number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Synchrony Bank/Amazon XX/XX/XXXX, XXXX., XXXX XXXX XXXX 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. If you look at people of New York vs Aramis cabrera it states case : XXXX 2016. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of XXXX XXXX which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being in prison so who ever u was talking too was not me. Toys r us doesnt even exist so how could u possible collecting a debt from them and valid date it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: When I upgraded my cell phone with Verizon they offered me a {$10.00} credit each month if I used their Synchrony Bank XXXX XXXX for auto pay for the cell phone and paperless statement. I agreed to that. Verizon had a Verizon UP rewards program that issued a few dollars each month and I always choose to use it as a credit against my monthly bill. It became very confusing with the Verizon Up points because Verizon would text me ( after paying that month 's bill ) that I had points to use and when I would go on line to have them credited against my bill it would state that I couldn't use the credit against a XXXX balance. For an example, on XX/XX/XXXX I was billed for my Verizon cell phone the amount of {$53.00}. I had reward credits of {$1.00} which I deducted from the bill amount and I paid the credit card for {$51.00}. Verizon cancelled the Verizon UP rewards program without notice so I was using these points thinking I was saving {$1.00} XXXX each month. When I incurred Interest and late fees I called Synchrony Bank XXXX on XX/XX/XXXX to try to understand what the late and Interest fees on my bill. I spoke to XXXX who basically said that I had an unpaid balance of {$1.00} hence the late charges. This is when I was informed that the Verizon Up reward program had been cancelled. XXXX held her position on the late fees and after much frustration I cancelled the credit card. I began paying the Verizon bill via auto pay by my bank. I paid the balance due of {$55.00} via my bank checking account on XX/XX/XXXX. I started getting calls from Synchrony Bank XXXX to call them every day to the current date. On XXXX XXXX, XXXX I called Verizon ( on hold for XXXX minutes ) and spoke to XXXX. He said my new bill each month was going to be {$91.00} because I withdrew from their Synchrony Bank XXXX auto pay and paperless statement. This would amount to a {$35.00} increase in my monthly bill. This was not acceptable to me and I asked to speak to a supervisor. I was transferred me to XXXX. In talking with XXXX for close to an hour we set up through Verizon to be able to take the amount of the bill out of my checking account, returned to the paperless statement and my monthly bill was going to be {$59.00} XXXX. I returned a call from Synchrony Bank XXXX and was told my account was sent to collections. I called Verizon after receiving a bill for {$91.00} to see what had happened. In speaking to XXXX on XX/XX/XXXX she was as confused as me and put in a call to the Synchrony Bank XXXX people to try and prevent collections and resolve these issues. After another XXXX minutes specking to The XXXX XXXX it was clear she wasn't going to offer any help on late and interest fees even though XXXX said my account was paid to date. I told them both before I hung up that I was going to file a complaint with FIC. It seems to me the the arrangement with Verizon and the Verizon Visa through Synchrony is in conflict. Verizon cancelled the Rewards program without notice that I can recall.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A