Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? XXXX inquiry XX/XX/2021 still shows on my credit card can it be removed? SYNCB/PayPal XXXX still shows on my credit report can it be removed please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX. 2022 JCPenny CARDS Recently the card company decided to reduce my credit limit on my card resulting to a drop in my credit score. I wasn't given a notice, I have no late payments, theres no outstanding balance on the card, and I used the card over a year ago and paid the balance off. What makes matters worst I called for a credite increase several times with no good explaination. The bank service Synchrony has several accounts with me with high credit limits. But JC Penny refuses to increase my limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
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: On XX/XX/XXXX I returned an item to Amazon the item was received by Amazon and per email from Amazon on XXXX of XXXX they issued a refund for {$330.00}. Problem is that this was never posted on my account. I disputed this charge expecting that this issue will be resolved and i would get my money back since the merchant got their item and issued refund my account should be credit for the amount. I sent in 16 pages of paperwork showing the tracking and Amazon saying they recieved item as asked by the company. They denied this dispute now I dont have my item or money. Complete horrible experience as I submitted proof but no one read it and just denied. Not sure what i need to do to get money maybe file a case.
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: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have been a CareCredit card holder for years. I got the card because it offered no interest installment payments ( 6 or 12-month durations ) for healthcare and dental services. I use the app to manage my account. Last year when I received a new card in the mail, I assumed that, like any other card, it was time for renewal, and in order to renew, I had to activate the account. When I activated the account late last year, I was already paying monthly for a XXXX XXXX I finished paying for that 12-month loan in XX/XX/2022. I used the card again on XXXX XXXX, 2022, to pay {$560.00} for some XXXX XXXX I called CareCredit on XXXX XXXX at XXXXXXXX XXXX to inquire as to whether that {$560.00} was on a 6-month or 12-month payment schedule. Usually, the default is 6 months. I was told by the representative that " unfortunately '' ( her words ), the card was used as a " Mastercard ''. I asked her how the card could be used as a Mastercard when it's not a Mastercard but a healthcare and dental credit card. She said that I activated it as a Mastercard when I received the new card in the mail. I told her that I was not aware that I was activating a Mastercard. I told her that it wasn't like they sent me two cards and said one is a Mastercard, and the other is the card you are used to. Instead, I received what looked like my regular CareCredit card. I told her I didn't need another credit card and would not have signed up for one if not tricked into activating a Mastercard instead of a no-interest healthcare and dental card. This tactic is similar to what XXXX XXXX was just accused of doing, except it is a lot more insidious. So CareCredit sent me a card that looked like my regular card in a renewal package that I had to activate, but instead, it was, by default, a high-interest Mastercard. If this was not meant to fool the customer into using a high-interest Mastercard that they thought was a no-interest healthcare and dental care, why is the default the high-interest Mastercard? I didn't tell the dental provider to make sure not to use the card as a Mastercard because I didn't know I had a Mastercard. The representative wouldn't let me get a word in edgewise. She talked over me. I told her that I was going to report them to the FTC, and still, she continued to speak over me. I asked her if I could speak, and she continued to talk over me, so I disconnected the call. This is so fraudulent. Even the app that I use never changed to the new Mastercard image. I was clueless about this bait and switch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Quote from XXXX XXXX XXXX, XXXX " The XXXX protects cell phone users against unwelcome robo-calls and calls made using an automatic dialing system from companies '' " Debt Collection is a legal activity. But when it translates into stress and anxiety for the consumer, it no longer is legal. '' Everyday, Mon-Sunday, at random times XXXX sometimes XXXX on the dot I receive an 'automated ' call from supposedly " Synchrony Bank '' requesting I call back. It is the same automated voice and same message every time regardless of day, whether the banks open or not, and even on holidays. It is not a person and when you answer you get the same automated message. If you call the number you get an automated message saying " Thank you for calling paypal credit ''. They don't specify any information regarding having contacted the correct person or specifics as to why. I looked up the number that is called XXXX and multiple sites and users report it as a spam caller that calls multiple times a day phishing for XXXX XXXX info, pretending to be XXXX. The automated message from incoming calls says it is Synchrony Bank however. Regardless of their legitimacy or connection to XXXX or synchrony bank, they are not following the guidelines of the XXXX XXXX XXXX XXXX and are skirting the rules set by the FTC ( can't call before XXXX so they call at XXXX on the dot ) and they need to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am XXXX XXXX. I am requesting a description of the procedure used to verify the name and address of the original creditor attested by a sworn statement by a CEO and/or Vice President of SYNCHRONY under the penalty of perjury. You, CEO and/or VP, have 30 days from receipt of this letter to provide this sworn statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft, I did not give consent for the loan from synchrony bank that was given to a company called XXXXXXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Had a 24 month interest fee loan. Synchrony Bank Account # XXXX It expired end of XXXX without notification.I tried to call them when I received invoice in XXXX. they added on a card security fee which we did not approve of XXXX a month total {$4000.00} also they added back the interest for the 2 years of XXXX. When we got the notice we sent the total amount owed of {$12000.00}. I did this to avoid any additional issues but they still owe me back the {$4000.00} which they took without approval. I ve tried several times to discuss with getting to the approbate channels.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX/ASHLEYFURN-DSG the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SYNCB/LOW can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SYNCB/LOW reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A