Date Received: 2022-08-02
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 XXXX XXXX XXXX at XXXX - my XXXX computer account shows XXXX date as XX/XX/XXXX, and my XXXX shows the date as XX/XX/XXXX - someone, or some group purchased XXXX temporary tattoos through my XXXX account, which were charged to my XXXX credit card ( Synchrony Bank ). XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The XXXX account handles that they were sold by were XXXX and XXXX, both of which are no longer registered accounts with XXXX. The charges added up to {$690.00}. It is absurd that I would order XXXX such Tattoos at XXXX on a Tuesday ( XX/XX/2022, was a Tue ). At some point in XXXX, XXXX emailed me that they suspected fraud and/or unauthorized purchases, and so they closed my account, and they made me change my password. I called and suspended my XXXX credit card. After XXXX attempts to resolve and reverse the dispute, the investigation department said they believed I did not make the charges, but because the tracking number or XXXX order said it was delivered, they were not able to reverse the charge. The product never did arrive to my house. ( I'm to sure how the hacker was able to upload tracking ). It is is true that XXXX of the XXXX tattoos, say they were delivered. XXXX of them do not show that they were completed, and I sent screen shots of this to the investigation team. The products showed that I paid in XXXX dollars, and that it was shipped on XX/XX/XXXX, but if they were coming from XXXX they would most likely not get here by XX/XX/XXXX, as shown on the tracking. I explained to the company that I would not order XXXX and XXXX of the same Tattoos at XXXX on a Tue!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX I applied for an extension of credit. A few days later I received a letter saying I was denied. I sent a letter requesting further information about the decision to the address provided on the denial letter and it was returned to me, unopened saying the address was incorrect. Pursuant to 15 USC 1602 ( f ) credit is my right. Under the Truth In Lending Act 15 USC 1602 ( g ) defines the creditor as someone who regularly extends credit in connection with consumer credit transactions. This private consumer transaction that I did not volunteer to have furnished on my consumer report was unfavorable to me and is defined as adverse action pursuant to 15 USC 1681 ( k ) ( II ). I initiated this transaction using my credit card as defined by 15 USC1602 ( l ). Once I provided them my credit card number they completed a transaction from which I received no benefit. The proof of this unauthorized use of my credit as defined by 15 USC 1602 ( p ) is on the inquiry that is now on my consumer report. Synchrony Bank has therefore discriminated against me pursuant to 15 USC 1691 ( a ) because I completed this application in good faith and they refused my right to credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Synchrony Bank XX/XX/XXXX, reported overcharges that were reportedly based on XXXX phone charges. Synchrony refused to acknowledge errors and continued to charge interest on {$120.00} balance. This continued for months. Finally I had to close the card in XX/XX/XXXX. They continue to bill me and text me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Checked my credit report and there are a ton of credit card inquiries and bank inquires that were done that I did not do. My wallet was stolen back in XXXX of XXXX. I noticed someone tried to open a mortgage because I was alerted so I froze my credit. Police did nothing about my report since I filed it online per the instructions I was given due to no officer available to call me. Still have not heard from them. INQUIRIES FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am trying to resolve my debts that were reported on my credit report. I have settled all but one. On my credit report it shows that XXXX XXXX XXXX holds it for {$920.00}. The phone number attached is XXXX. When I called XXXX XXXX XXXX on XX/XX/22 to settle the account by paying the amount in full, I was given a different number of XXXX. That phone number is for XXXX XXXX. When I spoke to someone at XXXX XXXX on XX/XX/22 about resolving the debt I was told that it was for {$1100.00}. That is a difference of {$200.00} from what is showing on my credit report. The people on the phone were rude and one even hung up on me. I even have recordings of the phone calls. The last person that I spoke to told me that they received the collections from XXXX and that the amount was {$860.00}, so that is a difference of {$260.00}. I have recording of all of the phone calls resolving the debts in full, and I have screen shots of the credit report showing the amount that I was trying to pay in full. With the amounts being different in multiple ways I would assume this is fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citgo Credit Card/Synchrony Bank XXXX Have made prompt payments regularly. Last statement I received was in XXXX. I've been receiving notices through email that I owe a late fee if {$29.00}, but never received statement. Not denying I owe bill, just don't want threats or credit ( which is very good ) ruined because they can't send statements. They claim I have until XX/XX/XXXX to pay or it will go to collections. I spoke with them on XX/XX/XXXX, and they said they'd mail a statement and I'd have it in five days ... .nothing. Got more threats so called again on XX/XX/XXXX, and they said they were sending out another statement and it would be 7-10 days. Still nothing. I mailed a check along with a paid blank statement on XX/XX/XXXX, that I had they sent when showed a XXXX balance a few months ago. Still nothing except another email threat. Called again XX/XX/XXXX, and they said I have until the XXXX before it goes to collections. I'm tired of the harrassment, possibility of credit damage, and penalties. Please help. I want to keep my good credit rating. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by SYNCB/CARE CREDIT. SYNCB/CARE CREDIT Acct # XXXX closed my account in XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/CARE CREDIT never informed me of my rights. SYNCB/CARE CREDIT has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular 2022-03 to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let SYNCB/CARE CREDIT know about the many issues under TILA & BILLING ERRORS 15 USC 1666 with this account. I have tried to explain multiple times to SYNCB/CARE CREDIT what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' SIGNED CONTRACT IS THE INSTRUMENT and it is my right to operate in commerce. Does SYNCB/CARE CREDIT know or care about what the penalties for not complying with the ECOA are ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is SYNCB/CARE CREDIT appear to be discriminating against me by not letting me extend credit, they are also using defamation there ruining my credit worthiness, tarnishing my name by furnishing negative information " late payments & charge off '' on my consumer reports which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which SYNCB/CARE CREDIT NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments & charge off '' defamation on my consumer report? I don't know maybe, coercion, extortion, wanting me to be quiet while I'm being discriminated against by them? So how can SYNCB/CARE CREDIT say '' I owe '' this alleged debt and think SYNCB/CARE CREDIT has the Power & Authority to close this account when FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds , certificates of indebtedness, national bank currency, Federal Reserve notes , Federal Reserve bank notes , coupons , United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so SYNCB/CARE CREDIT CAN NOT use the excuse " the consumers lack of timely payments '' as reasoning to close my account. And UNDER FTC AND GRAMM LEECH BLILEY ACT it states I have the right to privacy. I never gave my lawful, legal consent, authorization to SYNCB/CARE CREDIT to furnish, spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties. I'm just trying to make it clear that I have strong reason that under ECOA there is some discrimination occurring. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. FEDERAL LAW supersedes there " company policy '' I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by SYNCB/CARE CREDIT against me and my of Consumer Rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
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: SYNCB/HOME DESIGN XXXX ( Synchrony Bank ) has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. XXXX is reporting that SYNCB/HOME DESIGN XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. XXXX is showing incorrect information on my credit report despite multiple attempts to get this information corrected. I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A number claiming to be Synchrony Bank has called me every single day since XX/XX/XXXX and left a recorded robo-message in my voicemail with a call back number. The messages are typically the same, but sometimes they do explicitly refer to PayPal Credit. I have called the bank from the number on their website and confirmed ( using my SSN ) that I do not have an account with them. I have also confirmed this on my credit report. I tried to confirm the validity of the number in my voicemailbox with the main support line on Synchrony 's site, but it was not helpful. I do not have an account with Synchrony, I will not give a random number my SSN, and I'm tired of removing voicemails from a blocked number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter in the mail stating " We have received your request for a credit product with LOWE 'S issued by Synchrony Bank. Unfortunately, we are unable to approve your request at this time. '' I never applied for this so my identity was stolen. I do not want this to adversely affect my credit or any other financial matters. I would like information as far as steps to take protecting my identity. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A