Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Identity theft, the account that was open, was not opened by me and I did not give anyone permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX has been repeatedly calling and contacting me by text through various phone numbers to collect a debt that had been paid ( twice in fact ) and had also been subsequently pursued by another debt collector post payment. I incurred a GE/Old Navy debt some time in the early XXXX. There was only XXXX GE/Old XXXX account ever applied for. My husband paid the debt sometime in mid XXXX to a debt collector and did not document, so in XX/XX/XXXX he settled the debt again for {$350.00} and we have the documentation. Early XXXX, another debt collector ( XXXX XXXX XXXX ) started harassing me to collect on the same debt, we showed proof of payment yet they claimed it was not the same debt so we reported that debt collector to CFPB XX/XX/XXXX case # XXXX and have those emails as proof. The debt collector never contacted me again after we reported them. In XXXX, We also attempted to call GE/Old Navy to see if they could provide proof there were ever 2 accounts and they could not prove there were 2 accounts. Recently a XXXX debt collector XXXX has begun to repeatedly call me and text me for the same exact debt. I called and spoke to them and sent them proof of payment from XXXX and they ( also ) insisted it was a different account ( there were never 2 GE/Old Navy accounts ). They do not have an email or an address on their website and documentation can only be submitted via their website so I can not provide proof of that communication but each time they text I ask for an email address and do not get a reply. They refuse to communicate in writing. They are threatening to report to the credit bureau now. XXXX refuses to do the legwork to confirm there was only 1 GE/Old Navy acct and refuses to acknowledge our paperwork showing proof of payment as well as the subsequent complaint of trying to collect on the same account. There is no proof from GE/Old Navy that 2 accounts ever existed and each debt collector seems to come up with their own acct # in an attempt to fraudulently collect this debt. I am reporting this agency XXXX as I have made multiple attempts to prove this is the same debt and they will not cease harassing me daily through various text and calls. This debt has been paid, twice, and these collectors keep trying to insist its a different debt. Phone # XXXX they have used : XXXX XXXX XXXX XXXX XXXX no name XXXX no name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX skip tracing dept prelegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
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 an 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I got a hard inquiry on my credit report because this company called Synchrony Financial ran my credit without my permission and without my knowledge. I never signed up for anything, applied for anything or allowed this company to look into my credit report. I've never heard of Synchrony Financial before, why do I have to deal with a hard inquiry when it is not deserved or of my doing? I try really hard to keep my credit score up just to have some company mess up my score without any consent or permission at all. Please help me out in any way you can, I greatly appreciate it. This unwanted credit check has actually already caused me an issue and if it happens again I would like to sue the company for the stress and financial burden it now put me in. Thank you very much for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
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 an 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/2021 I made a purchase at Sam 's Club in XXXX XXXX. While checking out, I was told if I opened a Sam 's Club XXXX, I would receive a {$100.00} credit. It would be issued immediately making my current purchase free. I said no but succumbed to their pressure tactics and applied for the credit card. I was issu {$18.00} to complete the {$100.00} credit that was to be applied to my card. When I called Synchrony Bank told me that the credit was to be issued {$29.00} now and the remaining {$71.00} in 4 months. I told them that was not was Sam 's told me. They said that is what I agreed to. I had agreed to no such thing and as a matter of fact the only thing I signed was for the credit card purchase of {$82.00}. I called no less than 6 times to get this fixed, to no avail. I then spoke to the XXXX of my local Sam 's club where this all took place and he said there was no such agreement. That I should have received the entire credit at one time. When I asked if he would contact Synchrony Bank with me and explain this to them. He said he was not able to do that. I have paid nothing on this credit card as nothing is due. However, my current balance is {$220.00} due to late fees and interest charges. Synchrony Banks calls me no less than8 times per day since this has all began. I have blocked their number but get voicemails daily. I have saved all voicemails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73132
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the credit Reporting act XXXX account # XXXX, has violated my right. 15 USC 1681 section 602 states I have to right to privacy. 15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: there was an entry put on my credit in XX/XX/XXXX for Synchrony Bank/Care Credit . Where did this come from. I immediately contacted Synchrony bank at the number provided on the credit. When I called and thy searched their records and there is not account with my nae and social security number. I even called a second number at Synchrony bank and thy verified that I DID NOT HAVE AN ACCOUNT. I contacted all three credit bureaus and submitted disputes on XX/XX/XXXX I just received the outcome of the 3 investigations and that's why I am filing this complaint. I received notice that the info is accurate but that the credit report was changed? XXXX deleted the tradeline and XXXX XXXX and XXXX verified the account and it remains on my credit. this report hit my credit for the first time on XX/XX/XXXX for the time period XXXX to XXXX. Never received a bill, no contact, no contract. This fiasco has caused my credit to lose over XXXX points and they know it. PLEASE INVESTIGATE THIS TRAVESTY IF ITS HAPPENING TO ME ITS HAPPENING TO OTHER VETERANS AND FLORIDIANS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I cancelled Pay Pal and closed the account. Now they are trying to collect monies on the closed account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19963
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Sams club employee pulled my personal information instead of business information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A