Date Received: 2022-05-13
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Email regarding a GE Capital going to sue me for a debt that is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I moved and had all of my mail forwarded. Additionally, I was on an electronic statement with the company. I knew I had a balance and was waiting for the statement via electronic transmission or US mail. I never received either. I then received an alert from a credit monitoring service that a payment more than 30 days past due was posted on my credit report. I contacted the organization and they acknowledged that they had received the mailed statements back and that the electronic transmission of the bill did not process. They credited the late fee back to my credit card and I paid the bill. When I asked about correcting the credit report the customer service representative stated that it would be done by the end of the month. That was in XXXX, 2021. After XXXX months of waiting for the correction I filed a dispute with the credit reporting agencies. After 15 days they all came back and said that the information was correct. After all of this they increased my credit limit by XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33771
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiry details XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX, XXXX SYNCB/XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX SYNCB/AMAZON ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry Please Remove. I Appreciate your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2022-06-02
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: Card was charged for something you did not purchase with the card
Consumer Complaint: I went online to check my balance on my XXXX XXXX through synchrony bank and when I logged on I saw a transaction on my lazy boy account through synchrony Payment Due Date : XXXX Statement Balance : {$4400.00} Total Minimum Payment Due : {$310.00}, I had no idea what this was and I have filed a fraud claim with synchrony. every time I call I get a XXXX XXXX that will not give me any information, I have filed all the paperwork they have requested, but XXXX XXXX has a sales manager that does not know what he is doing, I have got messed over by this guy last year XXXX, and I had to walk out of the store because this guy was out of his mind and did not know what he was doing, I have contacted the corporate office and XXXX and I am now dealing with a new issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX when I came back from the military I was contacted by a debt collector, for a balance from synchrony bank. I set up a payment plan, paid off my debt, and received a letter from the debt collectors stating that it was paid off in XXXX. For the past couple of weeks, synchrony bank has been constantly calling me and harassing me about paying for something that is no longer owed, I've informed them that it was paid off and that they needed to stop contacting me. Their number is on the block list, however, I'm still receiving calls and emails from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
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: The attached document will show my efforts to get a resolution of my complaints. I have sent several written documents to PayPal Credit and Synchrony Bank. No results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Sam 's club credit card via Synchrony Bank online in XXXX when placing an order. Because of a prior fraud alert on my credit file, it could not be processed automatically b/c Synchrony could not access my credit file without verifying my identity. A few days after that, I removed the fraud alerts as that issue had long been resolved. However, I never received any follow up from Sam 's Club or from Synchrony regarding this application. In late XXXX, while in a Sam 's Club store, I received a preapproved credit card offer at checkout, so I agreed to apply again. This time they said the application was stopped because of the earlier application and I would hear something via a letter. I received a letter last week dated XX/XX/XXXX that my application was denied because " prior application submitted too recently. '' I never received anything regarding that original application, now almost 2 months ago. I contacted Synchrony and all they would tell me is that both applications were declined and I would receive a letter explaining. I tried to explain that I did receive a letter ( dated XX/XX/XXXX ), but it was for the 2nd application. I wanted to know what happened with the 1st application and why it apparently was declined. That employee could not provide any additional information, so I left a message on Synchrony 's facebook page. In response, another employee called me and she was able to explain that after my 2nd application, she did see that they were able to pull my credit to process the first application, but it was showing as declined. Again she said that there was a letter sent explaining, and it was dated XX/XX/XXXX. ( 3 days earlier than the one I already received ). It has now been over 10 mailing days, and this letter never arrived. My XXXX score is XXXX as of last week. I have no late pays, no judgments, no collection accounts. I have absolutely no derogatory items in my credit file, so why did they decline me? How do I know they even pulled the right credit file? Aren't they supposed to inform me in writing why I was declined as per the FCRA requirements? Further, please note that I have at least 3 other active Synchrony accounts, all with perfect records and have had at least 2 of those accounts for over 10 years. I never carry a credit balance ; while I use credit cards for the rewards, I pay them in full every month. I have attached a copy of the one and only letter I've received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2020, a hard inquiry was made on my credit report by SYNCB/PAYPAL ( BANK ). I do not have any credit card or debi tcard with that company. I reached out to the company via telephone and the representive told me that there is no account associated to my name and social security number. This hard inquiry is reported on all 3 credit bureaus. I dont have a reference number or account number for this account and there is NONE with my name or social security number. I did not authorize anyone to open or use my information regarding this suspicious activity. i have no knowledge of this activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a voicemail stating that they are going to sue me if I do not contact their office and they will send a XXXX to my place of employment. When I contacted them they had all of my personal information but the wrong address. Their website is not valid and when I called the number the person did not answer with the companies name and their mailing address belongs to a XXXX store.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A