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 says, 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 XXXX product. Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank ( XXXX decider ). 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: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I applied to Paypal Mastercard backed by Synchrony bank. The application prompt said " application was not approved due to credit freeze '', though I have no freeze enforced and I received 2 hard inquiries from Synchrony bank on my XXXX and XXXX credit reports. I called Synchrony bank 's new account department and the agents weren't able to confirm these hard inquiries initiated by Synchrony bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My name is XXXX XXXX and the last four of the account number is XXXX with a balance at the time of sale of {$600.00}. I was first informed of the PayPal Synchrony called that was opened in my name in XXXX of 2020. I called Synchrony in XXXX of 2020 and informed them that this account was opened without my permission and was the result of ID theft. The rep confirmed that all the information in the system did not match me, including my name. The name on the account is XXXX XXXX XXXX. I do not have a middle name and I can provide a copy of my birth certificate if necessary. The rep told me that she marked the account as fraud and attempted to contact me to the fraud dept but could not. She asked me to call the fraud dept in the future. I tried on more than one occasion but the hold time was too long for me to wait. At the time I was an attorney for a debt buyer/debt collector and did not have time to wait. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Synchrony then sold the account to XXXX ( XXXX XXXX XXXX ) that has not filed suit against in XXXX XXXX SC. I am in contact with XXXX and XXXX and they are working with me to resolve this fraudulent account. In the meantime, I have been turned down for a XXXX credit card because of this fraudulent account. The reason I was declined is because of a past delinquent credit card with Synchrony. I had to have my XXXX XXXX XXXX XXXX open the store card. This is ridiculous. I have filed a fraud affidavit with the FTC and filed an FTC complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
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 started my first dispute about XXXX XXXX XXXX XXXX XXXX {$2200.00}. At that time, they closed my claim without letting me know the reason. Please I would like copies of all documents that XXXX XXXX XXXX presented to the bank. I also want the " before and after " photograph of me that she sent to the bank to prove her case. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i did send three notices to this corporation trying to provide remedy and did ask how i am to pay since federal reserve notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 646XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
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: I filed XXXX XXXX bankruptcy ( no-asset ) and is dismissed. I contacted the credit card company and advised them I had filed. I disputed several times with the bureaus and they continue to report non payments every month and I know its illegal due to they went into the bankruptcy. Opens credit card account in XXXX of XXXX and filed ban XXXX XXXX in XXXX of XXXX. Dismissed in XXXX of XXXX. They continued to take payment automatically for 5 months. I stopped the auto payment and have been reporting missed payment for every month after. I have consulted an attorney and he recommended this report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
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: In XX/XX/2022, I contracted with a metal foundry, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, to produce some small statues for me. On XX/XX/2022, I paid XXXX XXXX XXXX XXXX XXXX {$2200.00} with my Synchrony Bank XXXX XXXX for these services. There were to be XXXX statues made. I sent them the prototype to copy for the statues. When the shipment of statues arrived, we discovered they were of inferior and defective quality from the single sample he showed me via email. We took pictures of the defective workmanship and emailed them to XXXX XXXX who agreed that they did look defective and told me to ship them back so they could " make it right. '' I shipped the defective merchandise back as instructed and then XXXX weeks past with no response, so I emailed for the status of the order. I got an email back stating that the workers were waiting for the owner ( XXXX XXXX XXXX to return and give them permission to work on the order. A few days later I get an email from the owner stating he was only willing to give me a refund of 30 % and he was not going to fix the statues. To be exact, XXXX XXXX emailed me on XX/XX/2022 to say he would be issuing me a check in the amount of {$770.00} for a partial refund. We never received any such check. All of this information and supporting evidence were provided to Synchrony Bank and they are refusing to help me with getting a refund from this merchant. Synchrony Bank says the merchant acted in good faith with me, but the evidence shows the opposite.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, I ordered from XXXX website - XXXX XXXX doing business as ( d/b/a ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I ordered one ( 1 ) handheld language translator plus warranty and extra long cord for an approximate total cost of {$120.00}. Unfortunately, something was amiss, not disclosed or was clearly misrepresented. My PAYPAL account was charged {$260.00} for five ( 5 ) handheld language translators and {$84.00} for warranties totaling {$340.00}. Steps taken to return merchandise in accordance with sellers return and refund policy plus numerous efforts to obtain a refund through Paypal 's dispute resolution have so far resulted in denials and findings in favor of the Seller. Despite written emails from the seller confirming that refund is in process, to date, my PayPal account has not received a return of funds from the Seller. Warranty fees charged by the seller has not been acknowledged as part of money to be refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Opened a CareCredit card in 2019. For almost 3 years I have been paying up to {$300.00} in 2 payments to Care Credit a month. My balance increases every month, has went over the limit, and I could not figure out why I wasn't getting anywhere despite not charging anything to that card in almost 3 years. ( Yes, I understand that there is a monthly interest charge but it is under {$130.00} a month ). I noticed an additional monthly charge ranging from XXXX XXXXXXXX which I thought was going towards my bill ( Synchrony on my bank statement ). Upon further investigation this week I found that this is a " XXXX XXXX '' benefit ( in the event I am unable to pay my bill ) that they say I authorized when I signed up for the card. I know that I would not knowingly agree to this amount of an extra payment not going towards my bill. I am younger and have a very stable job as a nurse. While I don't remember the specific small details about that application, as a consumer I feel like this process is deceitful and predatory. " XXXX XXXX '' has agreed to refund this money however I am unable to see bills prior to 12 months ago. This additional charge is listed on my CareCredit bill yet CareCredit states they can not help me with these matters because " XXXX XXXX '' is a different department. I am unable to access any payment history for " XXXX XXXX '' through their website but the last 12 payments of " XXXX XXXX XXXX '' shows up on my CareCredit App around the 10th of every month, in addition to the CareCredit payment of XXXX XXXXXXXX I pay on the 2nd every month. All of this is very shady to me as a consumer and I wonder how many other people are unaware of this charge or possibly overwhelmed by the difficulty in getting to the bottom of this " extra charge. '' XXXX XXXXXXXX could be a week of groceries for someone trying to make ends meet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65401
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
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/2022 I noticed charges on my Verizon XXXX Card from XXXX. I contacted XXXX and managed to stop 4 of the charges however 6 others were still processed. I contacted the Verizon card Fraud department ( 15 mins after the charges were placed ) canceled the card and filed a report. The orders were placed to a company called XXXX ( i did attempt to contact them however never received a reply ) for at least 9 charges of {$190.00} for night vision camaras. All orders were Fraud and i explained to the investigators that as well as that it appears the orders were still being sent to me which made no sense. A claim was opened and i was told they would get back to me. I called multiple times after to check status of the claim and make sure it was understood that it was not me that placed these orders. On XX/XX/XXXX i received an envelope with a blank paper inside. The envelope had the tracking number that matches the orders placed in XXXX. I called again and informed them of this and was told that i did not need to send them Proof that they understood and were processing the claim and i would not be charged. Yesterday I found out that they closed the case and refused to reverse the charges because something was in fact delivered to me. I did manage to send them images proving the false packages but when i spoke over the phone to manages while they said they will reopen the claim it was stated the outcome will more than likely not change. The charges amounted to over {$1100.00} that i am unable to and should not have to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A