Date Received: 2022-09-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Delete Late payments from SYNCB/Care Credit from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied with Amazon for their store card, I was approved. The 1st time I used the card it declined because they wanted to verify my personal information, which I did, the purchase went through. However subsequently I've been trying to register on their website, Synchrony Bank, to make my 1st payment but their website would not allow me to register. I call their toll free number for help and get one of those XXXX call centers. I try to explain to the lady the difficulty I'm having trying to register, and she says ok and sends me the link to the website to register. I call Amazon for help and just get transferred around. I have discovered Synchrony Bank is awful to their clients, but I need to protect my credit from them and this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company has stolen my identity and has charged up 3 different cards and is illegally collecting on debts that I believe someone in their company opened. They can NEVER provide signatures from receipts or even the contract. This company has also illegally changed my address on my credit report TWICE!!! They have NEVER confirmed any information with me and I am still waiting for proof that the letters from the original creditor were actually sent. They can copy/paste and change the date on the letter to have it fit their narrative. They have harassed me over a debt that isn't even valid. They have NOT followed fair debt collection practices. Where is the signature? Where's the
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I had a credit line with Amazon XXXX. It was suddenly reduced from XXXX to XXXX because Synchrony Bank punished me for not having information it never asked me to provide in the first place. I called Synchrony Bank to dispute but was directed to XXXX. Synchrony Bank said it would return the credit line if it received notification from XXXX did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I received the first Notice of Data Breach letter from XXXX XXXX informing me that the security of my personal and private information was compromised and accessed by an unauthorized third party in a recent data breach. I was not made aware of this security threat until XX/XX/XXXX despite the fact this has been an active investigation first discovered in XX/XX/XXXX. The investigation and review of the involved XXXX systems found that all secure information on their systems including name, date of birth, drivers license number, passport number, financial banking account numbers and Social Security number were exposed. Due to the fact I was not made aware of this until XX/XX/XXXX, I did not have any time to act or prepare for what was to come. One week earlier was when I was hacked as all my secured information was utilized by unauthorized parties. On XX/XX/XXXX, my identity was stolen, and my information was fraudulently misused to electronically withdraw {$10000.00} ( estimated funds ) from my checking account, apply for 5 credit cards/lines of credit and place orders on my behalf using my banking credentials. The initial fraud activity began on XX/XX/XXXX, when I noticed unusual activity across 18 unauthorized transactions made using my debit card totaling {$630.00}. I addressed this on-site at my local XXXX XXXX XXXX XXXX that same day where my debit card was all that was thought to be affected, so they issued me a new one. This proved to be wrong as my checking account was unlawfully used on XX/XX/XXXX in the form of ACH and electronic bank transfers totaling {$10000.00}. I went back to the XXXX XXXX XXXX XXXX local branch with whom closed and opened a new checking account after confirming that both my debit and checking account credentials were jeopardized. I did not make or authorize any of the charges in question which were disputed and confirmed in an accurate statement provided following the investigation. The charges related to the fraudulent amount was credited back to my checking account by XX/XX/XXXX after the decision was made that these were not authorized on my behalf. I then checked my credit report to see that my SSN and personal information were also compromised and used to unlawfully apply for credit lines and credit cards. There were 4 hard inquiries processed on XX/XX/XXXX and XX/XX/XXXX by unauthorized parties in an attempt to open up a credit card on my behalf. The information disputed are listed below, which appears on my credit report, but do not relate to any transaction ( s ) or applications that I have made or authorized. I have not applied for any lines of credit since XX/XX/XXXX when I bought a home. These 4 hard inquiries have been declined and marked as fraud with each company as I have called to speak with them and ensure a letter be also issued to my credit reporting for accurate information updating and removal of falsified information reported.. FTC Report Number : XXXX Credit Card Opened by the Thief Hard Inquiries Requested to Remove as they are the result of identity theft. See Below. I have XXXX XXXX XXXX free membership for a year granted to those affected, so I have been able to remove the hard inquiries reported from XXXX agency only, as the XXXX and XXXX require my own manual handling to remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: Im desperately trying to get help with my Care Credit account. I used my Care Credit by Synchrony Bank for a medical procedure. Unfortunately, Covid hit and I lost my income. I called in and worked out a payment arrangement but could not keep it up because I was facing eviction and car repossession. I am now working and want to pay my bill but when I call in, Im told I never had an account. I know this is false because I used it for XXXX. Im frustrated because I want to begin paying my debt. Ive called numerous times and the reps I talk to are not helpful. I get transferred every where and no one will help me. I am begging someone at Care Credit to find my account and work with me to start making monthly payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Synchrony Bank is complicit in opening fraudulent cards in my name, then when I called for their help, instead of closing the fraudulent accounts, they opened MORE accounts in my name. Please help. I was informed by the IRS, that I had debt cancellations for this bank, even though I dont have an account with them. The bank could not even find the account I was calling about. But they opened a different one in my name. I called on XX/XX/XXXX to report the fraud & get it reported, and on XX/XX/XXXX I got a new card from them, instead of them closing & investigating the fraud. They couldnt even tell me when the fraud accounts were opened. They had different addresses for the cards. Someone at the bank is in on this scam. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Purchased mattress from Mattress Firm through Synchrony Was told the first 12 months would be 0 % I was locked out of my account and not receiving paper statements, so didn't realize I was paying interest after 6 months at a XXXX % rate I contacted them multiple times, and they finally said they would extend it to 12 months 0 % interest, even though that was the initial agreement. They said I would see this on next statement I finally recieved in mail This showed I was still paying interest. Every time I call they say they will look into it, and I never hear back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to Synchrony Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted Synchrony bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. Synchrony Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to Synchrony Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted Synchrony bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. Synchrony Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want Synchrony Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I have received too many inquiries in the last 3 months about credit applications under my name, which I haven't applied for. I have already filed a freeze with one of the credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A