Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I NOTICE A HARD INQUIRY IN MY CREDIT REPORT FROM PAYPAL via SYNCBVENMO ON XX/XX/2020 WHICH I M NOT AWARE OF!
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: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. Here are the companies and dates of inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Venmo offered a credit card through Syncrony Bank with double rewards on purchases. The doubling resulted in a 6 % cash back reward offer for the first few months. I took full advantage of this offer and prior to the expiration of the special offer, I charged over {$22000.00} on the card by paying utility bills on my business in advance. My credit limit was only {$7500.00}, so I would charge several thousand dollars, then pay it off in 2 or 3 days and do it again. It resulted in cash back rewards for XXXX being {$1100.00}. Syncrony did not like this so they cancelled my card. Their reason was " indicative of high risk of failure to pay ''. That does not make sense when I was paying every 2 to 3 days. I also have another Syncrony credit card that I have had since 2007, 15 years. They did not cancel that card, same name, same address on the account. My credit score is also over 800. Since they cancelled the card, they refused to pay out the rewards earned. This is fraud! Syncrony offered an incentive to me in which they made money off of my transactions. Then they cancelled the card and refused to pay the cash rewards that I earned. Syncrony 's reply has been that they can cancel the card for any reason and then the rewards are not payable and that is written in their card agreement. Can you really have someone waive their rights so that you can commit financial fraud??? I told Syncrony that it doesn't matter to me that they cancelled my account. I just want them to pay the rewards that I earned. I also suggested to Syncrony that maybe they should look at my other Syncrony account that I have that has been paid on time for 15 years, it may be " indicative of high risk of failure to pay '' as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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 would like to have an alternative way to send all of the emails that I have sent trying to get this issue settled. I copied emails that I have sent to XXXX XXXX at the end of this complaint. I tried to attach a zip folder but it was too large. In XXXX of last year I recieved a statement from Synchrony Bank for {$9000.00}. I called to see why I had receive it. I was told that I had made a purchase from XXXX XXXX for that amount. I told them that I had not signed or finalized anything with XXXX XXXX. I had received a quote from XXXX XXXX in XX/XX/XXXX. I had to have emergency XXXX and did not purchase at that time. In XXXX XXXX, I called the XXXX XXXX on XXXX XXXX to see what I needed to do about the flooring. I had purchase flooring from XXXX XXXX years ago but they no longer made the width that I orginally purchased. The wood would need to be ordered and I would need to reapply for the credit card. I talked to the saleman about 36 month no interest and told him if I purchased that wanted to pay something done on the total and did not want to charge the entire {$9000.00}. Unbeknowning to me, my name was signed on the sales receipt. In the past I chose the product, it was delivered, and installed and then I completed the sale. I was not aware that my name was signed because I had also told the saleman if the floor could not be installed by XXXX, I would need to try and find a wood to match and see if someone could stain the XXXX of the orginal wood. I never went into the store and was waiting for the nstaller to get back with the saleman to see if it could be installed by XXXX. I was promised that the floor could be installed by XXXX, but I still did not know that my name had be signed to the order. I disputed the charge several times but LL Flooring kept sending them the receipt that I never signed. They informed me that I had signed the receipt and I told them that I didn't. They keep billing me and I kept calling them and XXXX XXXX about my signature. It took XXXX XXXX until XXXX to install the floor. I signed a document when the installer finished, but it was not a signature that I was satisfied because I could not see the flooring or the tranitions. The floor was covered in blue painter 's tape and I could not see any of the repairs that needed to be done. They never came back to remove the tape. When we took it up the transition was not installed correctly. You could see the glue up under it, the molding strips were not put down securely, the installer had left marking all over my freshly pained walls, and half the molding was not chalked. There were gaps all througn the work. Glue is still all over the floor. I have made Synchrony Bank aware of all of this. I have called the customer service line, sent emails to XXXX XXXX the CEO of the bank, and also spoken with XXXX XXXX who has promised to return my call and has not. Yet they continue to bill me. I have also told them that none of the work as late as today has been completed. It has been almost a year. When they first started to send me deliquent messges, I paid them {$3900.00} leaving a {$5000.00}. balance. They are still billing me XXXX which would have been the payment for {$9000.00} for XXXX. No One is Listening to Me and what has been done to me. There was XXXX person working in my house for 2 days and one the last day they damaged my hall flooring. I immediately sent the installer supervisor of XXXX XXXX a text and picture of the damage that his person had done to my hallway. He responded to the text but did not come to myhouse until XX/XX/XXXX. Flooring was sent to my house the first week of XX/XX/XXXX and was placed in my family room. It is still sitting there, Another installer called in late XX/XX/XXXX and wanted to come the next day to look at what need to be repaired. I was leaving town the need morning and told him I would not be available for 2 weeks. I explained to him I was leaving town. They then sent the bank a email that they were trying to get intouch with me. I had talked to XXXX and told her that I had returned the call and he did not call back. I am not alway available to immedicately talk to them but I always respond in a timely fashion. He finally came in XXXX to see what needs to be repaired. They came to finish the repairs Monday, XX/XX/XXXX. When they came I learned that a transition needed to be put in my family room and hall doorway. The hallway was never supposed to be done. It is now needing to be replaced because the installers were in a hurry to finish because the orginally told me 2 days but were here until XXXX on the third night. They were moving things back in a hurry and damaged my hallway. It had to be replaced because the smaller wood is not made anymore. From XX/XX/XXXX, the installers are finally came Monday XXXX XXXX, XXXX to make all of the orginal repairs that the installers failed to put down correctly and replace the hallway. I was informed that the hallway need an additional transition. I explained to them that I want my flooring in the familyroom doorway which is a main artery of my house to be flat and connected as before. All of these thing have caused all of the delays. I should have never been billed by Synchrony Bank after I told them that I did not sign the receipt, copied them to email to LL Flooring that allowed them to know that LL Flooring had knowledge of that and the all the repairs that need to be done but still has not been done. The CEO and the CEO Office representative have been cpied on the email. THe bank also never took the time to correct the amount do on the account and should have never reported negative credit on my credit. Copy of EMail to XXXX XXXX : XXXX : XXXX - We have been trying to reach you about your LL FLOORING/SYNCHRONY BANK account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Synchrony Bank XXXX XXXX for {$9000.00} to buy flooring from XXXX XXXX in XXXX, TN. I have had a problem with XXXX XXXX since XX/XX/XXXX. Several years ago, Synchrony Bank financed flooring for the same company. I never had a problem with them so I decided to use them again. I am sending you an email below that I sent to XXXX??? at XXXX XXXX. I spoke with XXXX at the XXXX XXXX XXXX and was told that my floor is not made any more. He did find the same wood and stain but with a wider width. First time, I went into the store and signed for my purchase. Since my wood was not at the store. I thought that I would be told when to come in and sign the paperwork. My name was signed on the invoice and I started to get a bill. I called Synchrony Bank immediately and told them what happened and told them that nothing had been installed in my residence. I called XXXX XXXX and j=kept getting the run around. I disputed the bill at Synchrony Bank because XXXX XXXX could not give me an installation date. There were 24 boxes or hardwood in my family room for over two months. I told them I need my floor installed by XXXX. It wasn't, in fact it wasn't installed until XX/XX/XXXX. I asked them to complete everything because my mother passed XX/XX/XXXX, and this would be the first-time that we were able to get together as family. The install was to take 2 days. I told them that I needed to have only 2 days because my school would be closing that week for the XXXX Holiday and I had a lot of work to get done before leaving. I had to take an extra day because the installer did not finish. They stayed at my house two nights until XXXX and the second night until XXXX. I did not get to have XXXX at my house because the floor was not done correctly and I did not have time to get everything put back in place. My mother 's brother from California will never be able to make it this XXXX. He passed in XXXX. The installer left blue tape all over my floor, paste all over the floor, the transitions were not installed properly and I was afraid that I would fall because I had just had hip XXXX. They scratched my hall floor. The molding was not put down correctly. had just had all my bedroom walls painted and they had footprints on the trim and wall. It was freezing cold and they left my bedroom window up and the five gallon of glue in the middle of my bedroom floor. The hardwood was not spaced properly and I was told that they weather would correct it. I have now been through the fall, winter, spring, and summer but it has not corrected itself. I have been told by Synchrony Bank that XXXX XXXX has sent them information from me and they have closed the dispute at least three times. XXXX XXXX had a no interest for three years if you charged over {$3000.00}. At {$9000.00} the payment would be {$250.00} each month. I should have filed a fraud charge but the wood was here and I went ahead but I am really upset because I am not being done fairly. I paid the account down to {$5000.00} and Synchrony is still charging me {$250.00} each month, even when it is in dispute. I have sent XXXX XXXX pictures of the floor and the walls, I have sent the picture of the hall to the installer and I have also asked them to get in touch with Synchrony to let them know that they have not done one thing to complete this install. As a matter of fact, I have 5 boxes of hardwood in my family room once again for almost 2 weeks. I did not hear from LL Flooring until I sent them the past due email from the bank and then I got the email below. I have sent 2 emails to the CEO to no avail. Please help me. I do not want this to have an negative impact on my credit. I have financed through Synchrony for several accounts and paid the on time every time and also paid them off. XXXX XXXX said I should contact you but they don't care enough or value me as a customer enough to know that they sent the fraudulent invoice over to Synchrony to be processed. Please contact me by this email address. Respectfully, XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : XXXX : XXXX - We have been trying to reach you about your XXXX XXXX/SYNCHRONY BANK account Hello, I continue to past due notices from XXXX Bank. I think that it is a shame that no one has reached out to them to tell them the real story of what has happened with my flooring and the conditions that I have faced. I am on the phone with the now and have been told that someone from XXXX XXXX has send them documentation that has cause them to close the case. I am not sure when it was closed because they have sent me past due notices from the beginning. I want to know who sent information. I signed the agreement for you to repair my hall and floor. That does not mean that it has been completed or that I am satisfied with the work. Synchrony Bank continues to bill me each month for the XXXX that would have been for a {$9000.00} balance. What happened to the money that was paid to XXXX XXXX? The bill amount should be much lower than {$250.00}. I have sent you several past due notices and you have not responded to any of them. I have also spoken to Synchrony Bank about the overage. I will not pay for work that is not done proper or work that it has taken 9 months or more to omplete. I have had enough. Wood has been in my family room for a week and 3 days. NO call as to when it will be complete. I will seek help with my name being signed fraudulently and m credit being damaged from the past due account because XXXX XXXX does not care. I have sent you all more than enough notices and if you valued your customers it would not take from XXXX to past XXXX to complete putting down floorings in XXXX bedrooms. From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX AM To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : XXXX : XXXX - XXXX have been trying to reach you about your LL FLOORING/SYNCHRONY BANK account From : Synchrony Bank XXXX XXXX : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX Subject : XXXX - We have been trying to reach you about your LL FLOORING/SYNCHRONY BANK account It's important that we get in touch today. Pay your past due balance on your LL FLOORING/SYNCHRONY BANK account online or call XXXX for assistance. Your account is now being handled by Synchrony Bank. Please contact a representative today at XXXX to discuss your payment options. Account number ending in XXXX LOG IN AND PAY NOW Call Us Weekdays XXXX am Midnight Weekends XXXX am XXXX pm ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. This is an unmonitored email box. Please do not reply to this email. We respect your privacy. Click here to read our Privacy Policy. XXXX Synchrony Bank XXXX XXXX Synchrony Bank has not tried to get to the bottom of any of this. XXXX XXXX is not acting in a honest and transparent manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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 purchased a living room set from XXXX XXXX in XXXX, Arkansas. I chose to use Synchrony Bank for the no interest. My dispute is that the furniture I purchased was not the furniture that was delivered to me 3 days later @ XXXX XXXX in pouring rain. I noticed immediately that the furniture delivered was a much cheaper set and not the set I agreed to buy. I called the very next morning and was told to try it and call back Monday. The furniture is so bad that you can't even set in it due to a board hitting your back. I was immediately told they don't take returns. XXXX submitted numerous documents multiple times and all Synchrony Bank customer service continues to say is that its a quality issue. For one reason or another they can't get it through their head that I was delivered a much cheaper, lower quality of furniture and NOT the furniture I agreed to pay for. XXXX XXXX have forged my signature on the delivery paper saying I inspected it. The 3rd party delivery wasn't in my house long enough for me to sign anything. I have attached documents that were notarized by my attorney on the forging of my name and from 2 other parties and still Synchrony says its a quality issue and work with XXXX XXXX which I did and received the rudest conversation with. All XXXX XXXX has to do is submit the forged delivery slip and the copy of my application. I even agreed to upgrade and pay the difference but XXXX XXXX wouldn't even consider it. Hopefully I will be able to attach my documents that I sent to Synchrony. All I want is the original furniture I agreed to pay for instead of waiting 3 days to get a cheap set that I wouldn't pay XXXX for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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 returned an item I purchased and a credit was not issued for the {$17.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22 a charge for {$1300.00} with XXXX was made against my XXXX XXXX XXXX account. When I received my statement on XX/XX/22 I called Synchrony Bank and they informed me they would open a Fraud Claim. I received no other instructions. On XX/XX/22 I received a letter of Approval for the Fraud Claim with a stipulation it was still in review for XXXX days. XX/XX/22 a letter stating I was responsible for this charge. Because the purchase was shipped to my address and that I participated in or benefited from this purchaseXXXX I called the Bank and they opened a new Fraud Claim. I sent letter to the Bank President twice and received no action. two more Claims were opened and I sitll did not receive credit from Synchrony Bank. Police report was filed and in XXXX the Bank sent an affidavit to be completed. I just don't no what I'm suppose to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony / Carecredit - XXXX - {$8000.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to XXXX XX/XX/XXXX - delivered XX/XX/XXXX ( They have closed the account saying I still have money due ) Account open since XX/XX/XXXX - {$8000.00} limit ( securities = XXXX mths XXXX = {$640000.00} ) Synchrony / Carecredit - XXXX - {$7900.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to XXXX XX/XX/XXXX - delivered XX/XX/XXXX ( They have closed the account saying I still have money due ) Account open since XX/XX/XXXX - {$8500.00} limit ( securities = XXXX mths XXXX = {>= $1,000,000} ) XXXX XXXX XXXX XXXX - XXXX - {$3000.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to the XXXX XX/XX/XXXX delivered XX/XX/XXXX ( They have put a temp credit hold on the account ) Account open since XX/XX/XXXX - {$2800.00} limit ( securities = XXXX mths XXXX = {$250000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to the XXXX XX/XX/XXXX delivered XX/XX/XXXX ( They have closed the account saying payment still due ) Account open since XX/XX/XXXX - {$5200.00} limit ( securities = XXXX mths XXXX = {$500000.00} ) My accounting might be off. I have recently come to the knowledge of the fraud that is happening with credit card companies and any " credit type '' accounts. ( Mortgage, Auto Loans, Utilities, etc ) As per 18 U.S. Code Subsection 8 also HJR-192 - All obligations are obligations of the United States XXXX meaning - when the gold was taken away from the people in XXXX, the responsibility of all debts became that of the United States XXXX there is no lawful monies and you can not pay a debt with a debt. To open my accounts- these companies took my signed application- which is a security obligation to the United States. These Securities should be registered with the Federal Register and the tax on them should be paid by the company " offering credits ''. They hold the Securities and try to compel me to to perform. What do they do? They send the bill to " us '' ( the sheeple ) for the taxes due. I have opened accounts and been a " good little girl '' and paid every month when a presentment was made- not knowing that the coupon attached at the bottom should have been kept and redeemed. You sign the " coupon '' and send it back with a " tendered payment '' - whether that be cash, check, EBT, bank card. They are getting funds from me AND cashing in on the " coupon '' as well. Isn't this fraud? Pretending to be me and receiving the benefits that should have been transferred over to me. Also- they give my information to " credit reporting agencies '' without my signed written consent to do so. Isn't all of this Aggravated ID Theft as well? Since I have been reading the laws and getting to know all that has been going on- I have tried to send the coupons back - endorsed as Money Orders. I do not know if I did it correctly because there isn't notes on any of their websites that you can find on how they actually accept them. I have gotten nothing but debt collection calls saying I am overdue or that they don't accept negotiable instruments. All tender is negotiable instruments - how do they not accept them? If I have them endorsed correctly- they should be as good as any Federal Reserve Notes- but even better because they are backed with me as the surety. I have sent these all off to the Treasury Department as Accepted for Value- but I believe they are way behind on their mail. I would like some remedy for these accounts ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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: The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A