Date Received: 2022-05-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX XX/XX/XXXX ( XXXX ) Associated with fraudulent po box
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This issue concerns my PayPal Extras MasterCard which is serviced by Synchrony Bank. On XX/XX/22 I called Synchrony Bank customer service to question a charge for XXXX that was applied to my account on or around XX/XX/22 I was told that someone claiming to be me had called to request a refund check in the amount XXXX and that request was approved I advised the agent that this was a fraudulent transactions and I have never made such as request During this XX/XX/22 call I was advised by a customer service supervisor that I would receive a credit to my account in the amount of XXXX within 2-3 weeks I did not received such a credits in 2-3 weeks as promised nor have received any such credit since I found out later that said check was mailed to a an address in XXXX XXXX XXXX, FL which is an address that I have never used nor was it ever associated with my Synchrony Bank credit card account I also found out later that the check that Synchrony Bank issued to the fraudulent actor was cashed on XX/XX/22, which was 4 days after I initially called their error to their attention I have made many calls to Synchrony Bank customer service in the interim to document my case and to request corrective action I have also sent 2 separate letters via USPS to the customer service address printed on my statements I still have not gotten the relief I was promised and I have been incurring interest and fees while my dispute has been ongoing. My experience with Synchrony Bank customer service during this dispute has include many long hold times, disconnected calls and broken promised by those who claim to be customer service supervisors. This poor responsiveness from customer service was on top of their inadequate fraud detection and response process which resulted in my becoming a victim of this incorrect charge to my account in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
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 Section 604 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 plan as late for purpose.
Company Response:
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was scammed by a person working for the XXXX 's XXXX XXXX XXXX, who really wasn't, and he maxed out the card to over {$12000.00} before CareCredit froze the card, back in XX/XX/2020. This is what started a large amount of money owed by me to many companies besides CareCredit. This credit card allowed me to charge vet bills then pay off the next few months, if necessary. The debt is now down to {$9000.00} due to high payments and interests. the main bill goes down slowly due to the very high interest. Check out people to see if employed by the one he/she said.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Synchrony Bank has restricted my newly opened savings account without warning or explanation. I do not have access to deposited funds. I can not spend or withdraw the money in my savings account. The account has been restricted without explanation to me. I am being told by Synchrony bank customer service that my money will not be available for 30-90 days because my account is under review and can not tell me why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was informed in XX/XX/2022 by Synchrony Bank that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed this alleged debt in a XX/XX/2022 letter to XXXX. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by Synchrony Bank. I asked that XXXX produce the relevant contractual agreement between me and XXXXXXXX XXXX/Synchrony XXXX XXXX XXXX that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. XXXX responded by providing the referral letter XXXX XXXXSynchrony sent to them. In correspondence dated XX/XX/2022, I called out XXXX for their failure to substantiate this alleged debt. Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. XXXX 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
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: Items returned to XXXX at the warehouse and the credit card company is not refunding me then the credit card company took out XXXX from my back account for the returned items
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I logged into Synchrony 's website to check account balance and make a payment. Upon login I was presented with a prompt stating that my account had " incomplete information. '' There was only 1 available option to click so I did- which led me to review the information for my account. On the second page I see a prompt stating that my income is not updated. At that point my only option is to update my income or abandon the website. There was no option to update income later, or skip this step. This is NOT legal. Synchrony does not need my income for any purpose other than providing a credit line increase. My account is current - I have never had a late payment. This marketing gimmick prevents me from accessing my account unless I provide personal information which is not needed for account servicing and only used for additional marketing of products ( i.e., a credit line increase ). There is NO reason to block my account access. This is a text-book method of attempting to provide a service that the customer did not ask for- while simultaneously prohibiting access to my account which could result in a late payment. etc. This is Illegal Note in the screenshots below that Synchrony states and update is " REQUIRED '' in red menacing font. Once the customer chooses to see what they must update another prompt states that income is required. There is no other option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A