Date Received: 2024-01-04
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received XXXX communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48706
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I sent {$100.00} to this person and they were suppose to add to that amt and redeposit in my PayPal account within 3 to 5 minutes. It never happened. PayPal says as the money was sent correctly, the case is closed. But I have been scammed. They should have made sure I got the money promised before they closed the case. I have conntacted PayPl but all I get is the money was sent to XXXX correctly. But where is my money I was to receive plus the {$100.00} I sent. I also am still stuck with the XXXX XXXX, {$1700.00}, that I turned in a complaoint about back in XXXX. Am I a bad person for not letting this continue? This is the person I sent the money to. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2024. Repeat this transaction Paid with PayPal balance {$100.00} XXXX Unlimited Cash Rewards XXXX ( XXXX Credit Card XXXX ) You'll see " PAYPAL XXXX '' on your card statement. {$4.00} Exchange rate {$100.00} USD = XXXX XXXX XXXX XXXX USD = {$3.00} XXXX Transaction ID XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XX/XX/XXXX, while at Lowes to make a purchase of {$440.00}, I was informed by an employee that I could open a Lowe 's store card and get a sizeable discount of 20 % off my purchase. I have a XXXX XXXX I use regularly and another emergency credit card. I have regularly had exceptional credit ( XXXX ) for over 2 decades. In that same amount of time, to the best of my knowledge, I have never carried a credit card balance ( Paid balance off in full monthly ) Wanting to save the {$80.00} plus dollars, I went thru the application process in store and provided all of the requested information. I was told my application was denied. I was informed to contact a Lowes # XXXX on XXXX XX/XX/XXXX to which I did. I was then told to contact Synchrony Bank who is responsible for issuing Lowes Credit. I contacted said bank. I then received correspondence from said bank dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX with reference numbers XXXX and XXXX. with a determination that my identity could not be confirmed based on a credit report from XXXX XXXX. I received a Credit Report from XXXX. dated XXXX XX/XX/XXXX. The report does not have any derogatory information listed and it's demographic information in regards to my identity, DOB, address, etc is clear, correct and matches the information I provided when applying for credit. I believe Synchrony Bank discriminated against me and did not issue credit because of my flawless credit history, score and prompt payment of balances. In my opinion, Synchrony Bank deduced in conjunction with possibly following a Lowes ' guideline, to not lose the 20 % on the sale with no probable future interest payments from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was going through my credit report and found out that I had an inquiry that I am not aware of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX Called tonight again. Synchrony Bank Discrimination - I am confused because as I near the end and paying off 3 accounts, they decided to close my account. I have never been late and the XXXX Customer Service agent just told me, they closed it because they THOUGHT that I might not pay although the accounts are under {$55.00} for XXXX, {$390.00} for XXXX XXXX and {$0.00} for XXXX XXXX XXXX. She said they closed my XXXX and XXXX based on my credit saying I might be a risk. I have had the accounts XXXX years and never late, some months pay more. I was to use XXXX to help son and that started me finding out they closed it. I am baffled. Please assist. I went into XXXX on XXXX XX/XX/XXXX to pay off account and the sales lady asked me why I closed it? I didn't I replied ( cursed ) and told her I just found out Synchrony closed my American Signature account and was waiting until after the holidays about it. I was baffled as I wanted to use the credit to get something for my son. I feel like they are discriminating against me based on my area, race, and what a projected AI told them I might be late or not pay because of high usage because I bought appliances, but everything was being paid on time for over 2 years with them and never late. They should be able to think a crystal ball is telling them my future based on what the AI projection said. They should look at my on-time payments and communication with them since we started our credit relationship. PERIOD!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: There has been a big major issue with Paypal synchrony bank issued credit cards. There has been a big major issue with PayPal synchrony bank issued credit cards for some reason. I feel like it's fraud or a scam with them. There are numerous complaints of this happening to people. Ive always had automatic payment set up for my credit card billing. All of a sudden suddenly my payment was deleted from Paypal and not there anymore on my PayPal account they said that they couldnt take my payment which was false because my payment was. I have synchrony bank cards and all of them had the same issue during XXXX called them explain this to them lady was rude first said my payment was returned which was a lie than I was told Paypal wouldn't let the payment go through I asked them to fix this issue due to multiple of my accounts from them has this Same issue they were XXXX hung up and told me call Paypal. Meanwhile I have never been late and this has effected my credit. So I researched this and many people are saying the same issues has been happening with Paypal and synchrony for over a year. This complete fraud that they are doing this to people and making them pay fees and ruining credit for there mistakes within. This needs to be investigated XXXX of people have complained about this scam. Please help and investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93635
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I've been unable to login to my PayPal account for about a month. I even tried different browsers. It always gives me the message " we are having an error on our part ''. My password is saved by XXXX, I know it's correct. I called customer service. An automated robotic voice message replied saying " they'll send me a text with a link ''. The chat their chat never replied to the issue I texted them about. It was a simple request for help to be able to access my account. I've taken screen shots of the whole process. I don't understand why this is happening since I pay my account on time every month. Could your Beauro please assist me with this stressful matter? I would greatly and sincerely appreciate any assistance you can provide. Thank you so much for the excellent work you all do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Every time I use my car, they lock my account. I have two jobs. Im a XXXX in XXXX XXXX XXXX in a XXXX XXXX XXXX as well. I dont have time to be upload my ID five times a day. They wont let me use my card. Ive already verified my XXXX multiple times and everything they asked and I still unlock my account or let me close it and two other account I had with him randomly got clothes in balance is paid off. They said it was fraud who would close my account and pay my credit card off my own checking account I just make sense. Definitely foul play
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: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have alerted this financial institution I was a victim of ID Fraud and that I was a XXXX at the time of account opening and that it was not me. I provided a police report, FTC report, and my government issued ID. Still the account was found liable and I was held responsible. How can a credit card company hold a XXXX liable for a account that had supporting legal documentation. During the time of the investigation I was told to not make payments, as I wasn't responsible until after the claim was finished. I was still charged late fees, interest, and even had late reporting sent to the credit bureaus. I disputed but nothing was deleted. Also, the incorrect date of birth as well. I want this account and all negative history to be deleted from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A