Date Received: 2022-08-08
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: Ive contacted the company and did a credit dispute on a car care card with XXXX and the information is still on my account. they wont let me dispute again. The account i have never gave this comppany my consent or no knowledge to use my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I applied for a {$500.00} secured credit card. I paid the secured card in full. I used it for XXXX and In XXXX wanted to bring the balance down. However, my account had similarities, I added the wrong account unbeknown to me. Amazon probably attempted to collect the funds but was unable to. The excuse that they mention the reason they'd closed the secured card was due to payment failure without reaching out to me first. Based on their information I had a pending payment same payments that cause my account to be closed, they said these payments were, in fact, pending when they closed the account for insufficient funds on XX/XX/XXXX. But yet still I received a check on the XXXX dated XX/XX/XXXX Check # XXXX, Memo XXXXXXXX XXXX from Synchrony Bank Amazon.com Store Card. I cashed my check in the faith that it was a indeed valid check. In XXXX after I had XXXX I received an alert from XXXX letting me know that I had a debt and it was Amazon. I knew that I did not owe Amazon any money. I reach out, They told me they had a supervisor reviewing it and found out it was their error and that they would remove it from my credit report. Any report that I see on my credit report will be in good standing before they remove it. Friday, XXXX points were removed from my credit profile because of these people 's PROFESSIONAL NEGLIGENCE in their work. They are harassing me and telling me that I have to pay them back their money. This issue brought harm to my credit. The reason I took a secured card was for this not to happen. First of all, you knew the payment failed that was the main purpose of closing that secured card. They said at the time balance was {$510.00} including fees on a full {$500.00} down ( secured ) They decided on top of closing my account to mess up my credit history. they mischievously send {$220.00} back to me so I can be trapped they will have reason to collect because of the mispayment that I submitted not payment due but payments that I was trying to bring my balance down thinking I was using the right account. This negligent infliction of emotional distress on me. I will file legal actions against them if they do not correct their error. Based on experiences with other consumers. Synchrony Bank, Amazon 's financial credit provider will hold off payment for 10 days before providing any credit to the client. So they closed the account on XX/XX/XXXX and cut a check made payable to me on XX/XX/XXXX, less than 10 days when they knew funds were not available 24 hours after submitting my payment online based on them which causes an automatic closure and that was why they did not reach out to me to try to collect the debt. Yesterday when I called them admitting that they made a mistake but I have to pay them back. Supervisor also stated that the declines for unsuficient funds will come to them within 24hours. Why was this negligence part of Amazon? I need that to be removed of my credit. I will also file a FTC against them and more action would be taking for harming me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: The XXXX XXXX Synchrony Bank arbitrarily cut my credit limits on XXXX Cards # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX And the XXXX XXXX that ends in # XXXX. This has caused a collapse in my credit history, considerably damaging something that I have been building with punctual and On-Time payments. These cuts have led me to a Use of these Cards to almost 98 % dangerously stuck to the Limit of use of the line of credit. I have worked responsibly both with them and with other financial responsibilities such as My house My XXXX XXXX My Cards and other financial activities which are paid for more than 60 months including these cards from this bank I know they are entities that can establish their limits but not to damage the reputation and well-being of the Clients in this case my person I have paid with the In recent months in crisis both in my home and in the entire country despite having been affected by Covid 19 the entire family group and I do not stop being responsible with my debts. In addition, companies can not punish a client just for the rumor that he is in conflict with another institution that is not complying with what the Client asks for and reports me with Late payments when that contract was not born legally due to missing requirements during the Verification of My identity and other requirements duly demonstrated with an email that the same financial institution will send me and they acknowledge that I request to cancel the request within the first few days. In addition, if they review my complete credit history, I repeat what I have would be an increase for my responsibility and not that Punishment of cutting my limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: When I first ordered from XXXX I was thrilled. They then issued me credit and I also thought that was great. Then when I tried to make my first payment, the trouble began. I would try to enter my bank or credit card information for payment and it would be rejected!! I then would call the cs dept and they would try and would also not be able to complete the transaction. I would then beg for someone to please tell me why you ( XXXX ) wouldn't or couldn't take my payments, so I sent in a Check, But you returned my check saying it could not be processed!!! When you finally rec 'd my personal check and did accept it, you said I was late!!! This went on until I quit ordering from XXXX just exactly for this reason! And I get a delinquent notice on my credit!!! That is so wrong!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid paid off my full balance that syncb in the amount of XXXX thru there attorney XXXX & XXXX and instead of reporting it as paid in full they report it as settled for less then total due. There was no settlement it was fully paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased furniture from Ashley Furniture because I qualified for a store credit card and no one explained anything about " deferred credit ''. Instead this store credit card was presented as a traditional credit card by the sales people. I have made timely payments since I have had this account, but now Ashley has not only applied this " deferred credit '', but they have also reduced the credit limit. As a result of this reduction of credit and the application of this " deferred credit '', the account now reads that I am over the credit limit which will be a negative impact to my credit score. Had it been explained that the company would conduct business in such a way, I would have declined their offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I applied for a Mattress Firm Credit Card. The initial limit was set at {$4000.00}, but the purchase was {$4300.00}. So I asked the employee to see what he can do. He called his manager, worked his magic, and informed me that he was able to raise my credit limit to {$4400.00}. So we went ahead with the order. The next week, I was alerted by XXXX, XXXX, and XXXX, that my credit score had just plummeted by XXXX points. The reason was that I was over my limit. Upon doing some digging I found that my credit limit on the card was not increased to {$4400.00}, it was still at {$4000.00}. But he was able to place the order at 110 % of my credit limit. While I'm certain that my score would've dropped by virtue of applying for the card and taking out a purchase that would be near my limit. However, I am also certain that the score would not have dropped nearly as much. On XX/XX/XXXX, the same day I discovered the score decrease, I complained to Mattress Firm and they issued me a {$400.00} credit. However, my credit score ( that I took years to build ) is still deflated. A Mattress Firm customer service associate informed me that I could write a letter to Synchrony Bank ( the company that hosts Mattress Firms credit cards ) and ask them to remove the derogatory remark. I sent this letter back in XXXX and I have still heard no indication that they received the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern : I have been a victim of identity theft. Fraudster ( s ) have tempered my information ie SSN, date of birth, address and / or name, and applied for credit applications. Financial institutions : XXXX, XXXX XXXX, Sychrony Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Merchants { XXXX, Lowe 's XXXX XXXX XXXX XXXX XXXX and Mattress Firm }. I have reported fraud to all Banks and Merchants as noted above. Today, I was notified by family member that my information is misused with Synchrony Bank and applied for addt'l credit application with Lowe 's and Mattress Firm. Credit application was issued from Sychrony Bank located from XXXX XXXX XXXX, XXXX FL XXXX. Sychrony Bank had assured me that my social security and information will be frozen and alerted within their Fraud Department. Yet, today Synchrony Bank is allowing application approval { in-person or online }. I would like to report Synchrony Bank continued for failing to protect my identity when I have reported numerous times. I have placed a credit freezes on my credit report with three report agencies : XXXX, XXXX and XXXX. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Around XX/XX/XXXXXXXX Synchrony Amazon Credit Card debt collection on a $ XXXX {$7.00} purchase was sent to my home. My mother would throw them out until I noticed my credit score drastically decreasing. Upon realizing I had an outstanding balance on the Synchrony Amazon Credit Card ( XX/XX/XXXX ) I paid off the balance which had gone up to $ XXXX {$20.00}. The impact this card had on my credit score was drastic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A