Date Received: 2022-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Synchrony bank is reporting an account as charged off and verified the account as accurate on a recent dispute with all 3 CRA 's. They have FAILED to provide me with the following : PROOF THE ACCOUNT IS MINE MY SIGNATURE ON ORIGINAL CREDIT CARD APPLICATION ORIGINAL TERMS OF THE ACCOUNTS SYNCB/XXXX XXXX SYNCBXXXX XXXX I can not get a live person on the phone with the company yet they verify fraudulent information. See attached results from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX failed to provide proof of debt, failed to provide original contract with my signature, failed to provide original terms of loan, failed to provide any proof the account belongs to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit account with PayPal and have never been late in making payments. I go online as normal and made multiple payments from my XXXX checking account. PayPal sent me a notification that all of my payments were returned checks, even though I never wrote any checks. I was told that my checking account had become disconnected from my credit account and would not go through even though I made sure it was reconnected. I was then told it takes 4 to 5 days for the re-connection to be completed. That should not be me ( the customers fault ). I tried in good faith to pay on my balance but was rejected because of technicalities. I then called and read my debit card over the phone to pay the original amount I wanted to pay. Now Im told that because these previous payments were rejected ( through no fault of mine ) that my account would be closed, even though I have been a stellar client. This closure will look bad on my credit reporting agencies. But, I was told I basically have to grovel to get this PayPal ( Synchrony bank ) to get them to reopen my account once it is closed. This is unfair and not because I did anything wrong. Only because this company relies on computers to instruct them with how to deal with clients. Im XXXX XXXX XXXX and retired now, and I have great long term relationships with major financial organizations. Here is a relatively new banking institution who knows nothing of the value of a good client, and they could care less to treat me in an abysmal fashion. This cant be legal! It certainly is not ethical!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received an email on XX/XX/22 ( XXXX MDT ) from Synchrony about my payment being posted on an outstanding card balance. The only other email received related to this account was on XX/XX/22 ( XXXX MDT ) with a summary of my balance, minimum payment, and due date. No where did the communication state or inform me of a delinquency or past due payment. I contacted Synchrony about this issue and they encouraged me to file a complaint to credit bureau agencies, but at the same time informed me that they'll prove me wrong with all their records systems and evidence. This is not being transparent to consumers. At least a call or message would have sufficed to solve a single payment if the bank truly made an honest effort.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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 purchased 2 suits on XXXX totaling {$470.00}. I subsequently returned both suits to XXXX because they did not fit. on XX/XX/2022 I was refunded for one suit totaling {$230.00} to my Dick 's Sporting Goods Credit Card. I call XXXX customer service let them know they had only refunded me for one suit even though I returned both suits. The agent I spoke with said he issued the remainder of the amount to be refunded and it would be credited to my Dicks credit card in 4-5 business days. The refund never came through so I filed a dispute with Dicks Credit card. XXXX then issued the refund on XX/XX/2022. The charge was later rebilled on XX/XX/2022. I call XXXX once again on XX/XX/2022 and the agent indicated that because they had already issued the refund and Dicks rebilled it that I now had to take it up with Dicks. That same day I called the customer service number on my Dicks statement and was rerouted 7 times by the agent I spoke with claiming it was the wrong number to address my issue. I was looped back to the same agent repeatedly who insisted that he was unable to help me. I still need to be refunded the remaining {$230.00} by Dicks Sporting Goods. I also paid my bill on time by XX/XX/2022 and have the confirmation email to prove it and it shows online that my bill hasn't been paid and is late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have over 20 years of credit history and have never missed a payment. In XXXX of XXXX after having moved states I changed my banks. I had a balance on my Lowes credit card which I have had for at least 10 years. I paid this balance to XXXX before changing banks because I had autopay for the old bank. A few weeks later I returned a few items which created that balance causing a positive balance in my account. I eventually updated my auto pay and a few months later I found that Lowes reported that I missed a payment. After hours on the phone with various Lowes representatives in XX/XX/XXXX I was told there was a 2-day period which I was charged interest on, this did not show until the following billing cycle. I told them that I had a positive balance and they said it was their error and it should not have tried to charge the old autopay and should have taken the fee off the surplus in the account. I was advised that they would adjust my credit reporting, but this has still not happened. We are talking about less than a dollar in interest charges and when I paid the account before changing banks, I clicked on pay in full, plus I had a credit on the account. Can you please help me, this has negatively affected my perfect credit which was over 800.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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: I purchased a XXXX XXXX rolling suitcase from a marketplace XXXX XXXX ) on XXXX. I was told it was authentic and I was excited about receiving this item that I paid a large amount for ( {$2100.00} ) in XX/XX/2021. When I received the item, I had it authenticated and it came back NOT authentic, which I have the certificate from the authenticator stating as much. XXXX is not supposed to allow the sale of counterfeit goods on their website; however, this item was sold to me and the seller ( XXXX ) remains to be selling on their site as I write this letter even after I reached out and gave them the evidence. I reached out to XXXX about this issue to see what I should do ; I also reached out to the seller ( XXXX ) and was told to ship the item back for a return. However, it is ILLEGAL in the United States to ship counterfeit goods ( which I found out by speaking with a border patrol rep and being directed to the customs and border patrol website ), here is the web address I was sent to US border patrol website explaining how shipping counterfeit goods is illegal : https : //www.cbp.gov/trade/fakegoodsrealdangers So now I am stressed and am being told by XXXX and the seller to ship this item which needed to go overseas which had me more scared thinking what if customs sees that I shipped it and I know its counterfeit, etc... I was told by XXXX and you to send it back anyway. XXXX has also stated they do not trust the number one reputable authenticator for XXXX XXXX products even though they offer to authenticate these same products. Here is the web address showing that they will authenticate luxury goods such as XXXX XXXXXXXX XXXX XXXX XXXX Since I knew that they authenticate these items themselves, I reached out to them and told them that I would ship it to them and not the seller so that they could prove to themselves that it was a counterfeit. They denied this request and will not accept the other authenticator 's certificate ( even though they are the number one authenticator for XXXX XXXX XXXX XXXX and have been for several years now, well more than XXXX ). After all of this stress, heartaches, and headaches I decided to talk to my credit card company ( PayPal credit card through Synchrony Bank ) to start a dispute. I gave them all the information above and waited. They came back weeks later and said they are denying my claim. So, I wrote and called them again, and they have seen all the evidence and they know it is illegal and I opened another dispute which they denied again weeks later, I am now on my third dispute with them that I started today through a secure message, fax, and physical mail, I will also be calling them again tomorrow. This was a huge purchase that I expected an authentic XXXX XXXX item and not a fake and now I feel like I have been defeated by my credit card company that I thought I could trust. I purchased this item in XX/XX/2021 for {$2100.00} from the above-mentioned seller on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I filed for XXXX XXXX in late XXXXXXXX XXXX Sychrony Bank continues to send me bills about a debt, but it was covered in the bankruptcy case. I actually paid that bill on XX/XX/2021, and have the bank statement to prove it, but the Bankruptcy Court confiscated that payment to disperse to other creditors. I have forwarded this information to Synchrony Bank, but they continue to send bills to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX CXXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX CO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A