Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Despite several attempts at disputing a collection account with XXXX XXXX XXXX, they continue attempting to collect an account for Synchrony Bank. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. Debt Collectors do not have any lawful right to be in possession of my identifying information. I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately. Why was my identifying information shared that I did not consent?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am aware that my SOCIAL SECURITY NUMBER belongs to the ( SSA ) SOCIAL SECURITY ADMINISTRATION and anything purchased with that Identifying number is as obligation of the UNITED STATES in accordance with 18 U.S.C 8 and being that you, PAYPAL is attempting to collect a debt from I, the consumer makes you, PAYPAL, guilty and in violation of the FALSE CLAIMS ACT ( FCA ) 31 U.S.C 3729-3733. PAYPAL IS ALSO IN VIOLATION OF 18 U.S.C 894 FOR USING MY CONSUMER REPORT WITH EXTORTIONATE MEANS AS A WAY TO COERCE AND SWINDLE ME INTO MAKING PAYMENTS ON ALLEGED DEBT NOT OWED. I DID NOT CONSENT AND DO NOT CONSENT TO YOU PAYPAL FURNISHING THIS INFORMATION TO MY CONSUMER REPORT. I did not give you authorization or permission to have my personal identifying information, which you have obtained by AGGREVATED IDENTITY THEFT in accordance with 18 U.S.C 1028A. THIS A NOTICE TO CEASE AND DESIST OF ALL ILLEGAL ACTIVITIES, INCLUDING REPORTING WHICH CONSTITUTES COLLECTION ACTIVITIES. THIS IS ALSO A NOTICE EXERCISING MY RIGHTS TO PREVENT THE PROCESSING OF MY PERSONAL DATA BY PAYPAL FOR THE ( 1 ) ACCOUNT OPENED : XXXXXXXX XXXX ACCOUNT # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Almost 2 years ago when my puppy needed a XXXX, I opened a line of credit with Care Credit, run by synchrony bank. I set an autopay far above the minimum payment. Then occasionally checked the list of Promotions, in case any payment is getting expired I would pay it off. I missed to do so for 3 months in 2022. Once I checked the statement in XXXX, I was charged almost {$500.00} interest. I have been charged almost {$1300.00} up to now. I called them to figure out where such a big charge is coming from. I was explained that right now I have {$3800.00} non-promotional balance, which is accruing interest ( I guess 2.25 % ) daily. I have never paid interest on a credit card and I thought I missed 1-2 months here and I can catch up. But their website and statements are designed in a way to confuse people NOT showing at all these accumulated debt. When I asked how can I pay to clear that hidden debt, I was told I can not pay directly. I have to " call '' and ask them to allocate an amount to the non-promotional charges. That being said, when you call the number behind the card, XXXX, there is NO options to talk to a representative. The machine just gives you the information of your statement. Then asks if you want it to be repeated, or be sent to your phone as a text message!!! I kept clicking 9 and 0 randomly, eventually the machine understood I want to talk to a person. The whole system is designed for people to fail, or give up. Statement is pretty deceiving, present you the minimum due and charges but NO clear way to understand why your total debt doesn't reduce.
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: 2022-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
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/2021 I purchased a phone from XXXX online and financed it using their Synchrony BankXXXX XXXX XXXX XXXX XXXX for a discounted price. The phone was mailed, and I received an envelope from them on my porch, but the envelope was ripped open and the phone was missing. I attempted for XXXX days to call XXXX, but because It was during the holidays was never able to get through to them, despite holding on the line for up to XXXX hours at a time and making multiple attempts at several different hours of the day and night to complete chats. So I decided to call XXXX to see if I could get resolution through them. They sent a representative out to my home who completed a thorough investigation but I never heard anything further from XXXX. When trying to resolve this issue in XXXX, I accessed my XXXX account online and located a report which stated, regarding this package search, " The search for your package is complete. We have been unable to locate your package. We will forward the search results to the shipper. '' Thus, they must have sent XXXX these results. But despite this report, and my filing a claim with Synchrony BankXXXX XXXX XXXX as to this information, I am still being expected to pay for goods I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I transferred XXXX dollars to open a synchrony bank CD. It was an error. I wanted the money back in my account. I called several times and had a lot of new passwords I had to provide because they never work the same day or the next hour. The last time I had to obtain a code from synchrony via XXXX. I verified who I was via XXXX code That was last week, XX/XX/XXXX. I thought the bank had 3 days to return my money. Today, the XXXX day, I called. Held on for 24 minutes and was told the account was closed TODAY. So no money back into my bank account for ANOTHER 3-4 days. This is illegal. Synchrony bank does whatever it feels like. If they charge me fees for closing this CD early, it better not be for 7 days or anything other than 1 day. If they do, I will submit another complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My living spaces/synchrony bank store credit card was closed out with a balance on XX/XX/22. I have never missed a payment, made large payment to pay off balance before the promotion expires. Synchrony has failed to notified me of the closing of my account, two statements were sent to me XXXX for XXXX and XXXX for XXXX but no closing account letter. I called them today, XX/XX/22 to ask why the acct was closed and was the account sold to a new creditors. The agent had no answer to my questions besides saying even tho the acct is closed I must continue to pay my loan because I agreed to pay it, which is correct however I didnt agree to my account closing and paying on a closed account balance which may have a negative impact on my credit. Scnchrony bank is shady and bending laws and regulations to meet their shareholders expectation and not the consumers. Im requesting an investigation into this banks policy and practices and lack of notification for closing an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received a call from Amazon regarding a charge of over {$1000.00} on my account. They tried to say that I had. Personal account as well as a business account, which I do not. They tried to tell me that customs found drugs with this order. The case number for this was XXXX. The phone number they called from XXXX. No pertinent information was given. Hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Lowes stated that my payment bounced back due to not being able to find the account. This was the same account i used for previous payments and later on payment. Then they started adding on late fees but did not alert me to the missing payment. Then they hid the fees from me. When i would go to their website it would give me the option of the minimum payment of {$40.00} or {$45.00} and again still not showing that a payment was missed or a late fee was added. This went on for XXXX months until i started looking at my statement. On the XX/XX/2022 statement it shows the return of the payment but without an explanation or an alert to what was going on. Again after this date i was still given the option of making the minimum payment while they again charged me a late fee. On XX/XX/2022 i attempted to contact lowes credit and was only given the option on chatting with a computer or a live person. during the live chat i was passed around to XXXX different chat people. i asked multiple times for a phone number and was not given the number. it was not until i said i was filing a complaint i was given the number to talk to a real person. With only one fee reduced i was required to pay the full amount without any help. I feel i was mislead and fees where hidden so that other charges could add up When i was able to talk to a real person it was given the same story and run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX XXXX, I'm dead ', which I am NOT ). I'm very much alive! I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a Lowes product. Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A