Date Received: 2022-04-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. Then to top it off they waited until i paid all but XXXX off to a 0 balance. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards. Per reps they stated they felt I was high risk Jcpenny XXXX balance credit limit XXXX Old navy XXXX balance XXXX limit Belk XXXX balance XXXX limit Sams club XXXX balance XXXX credit limit Rooms 2 go XXXX balance XXXX credit limit Carcare XXXX balance XXXX credit limit Care credit XXXX balance XXXX credit limit Chervon XXXX balance XXXX limit So out of XXXX in limits in which the company gave me I only had balances on XXXX cards totalling XXXX and I'm a high risk. I never called during covid for payment arrangements or anything and you close my accounts now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX District Court Judge : XXXX XXXX XXXX Referred : XXXX XXXX XXXX Case # : XXXX Nature of Suit XXXX Civil Rights - Other Civil Rights Cause XXXX Civil Rights Last checked : Monday XX/XX/XXXX XXXXXXXX XXXX EST Defendant XXXX XXXX XXXX Defendant XXXX and XXXXXXXX XXXX Defendant XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX,, - -, - -,,,,,, ( ^_^ *=* XXXX XXXX XXXX A Case Has Been Filed with Office of Special Counsel which was also sent to the XXXX Report Status : Unknown XXXX is Herby listed as Non-Compliant ( False Narratives, Failure to Report, Filibusters ) You are scheduled for an interview by Phone with the Equal Employment Opportunity Commission ( EEOC ) regarding your inquiry XXXX XXXX This email confirms your appointment with an EEOC representative of the XXXX office for XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX Release www.childwelfare.gov/pubPDFs/report.pdf XXXX XXXXXXXX XXXX XXXX XXXX The XXXX XXXX says it wants to discharge the two XXXX even though their commanding officers recommended retaining them because their XXXX status bars them from XXXX XXXX, and it generally wants its XXXX to be XXXX XXXX. The plaintiffs say a similar rationale was used to deny an XXXX XXXX to XXXX XXXX. XXXX XXXX, an Oklahoma native who is seeking to join the Judge Advocate From : XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX EST To : XXXX Subject : Reminder - Schedule an Interview You recently submitted an inquiry, XXXX, about alleged employment discrimination by XXXX XXXX XXXX to EEOC. We noticed that you have not yet scheduled an interview to discuss your claim. Response FOIA Release XXXX XXXX XXXX XXXX The ADA strictly limits when employers may ask medical questions or require medical exams. discrimination against persons living with XXXX, is one of the central goals of President Obama 's National XXXX Strategy. REPORT NUMBER : XXXX Please scan/email the signed completed form to XXXX. For questions regarding the program, please call XXXX XXXX XXXX XXXX at XXXX. XXXX Warning : This document is UNCLASSIFIED//FOR OFFICIAL USE ONLY ( U//FOUO ). It contains information that may be exempt from public release under the Freedom of Information Act ( 5 U.S.C. 552 ). It is to be controlled, stored, handled, transmitted, distributed, and disposed of in accordance with DHS policy relating to FOUO information and is not to be released to the public or other personnel who do not have a valid " need-to-know '' without prior approval of an authorized DHS official. No portion of this report should be furnished to the media, either in written or verbal form. Expiration XX/XX/XXXX Stage 2 : XXXX XXXX XXXX Stage 3 : Forma Pauperis Stage 4 : Pro Set Litigant
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
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: I purchased furniture along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX protection plan from XXXX XXXX ( at XXXX XXXX XXXX XXXX, TX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX ) requesting a complete cancellation of the {$290.00} protection plan and full refund along with the XXXX XXXX sales invoice, and the Original and only XXXX Protection Plan agreement that was provided to us at the time of sale at XXXX XXXX. At the top of the XXXX agreement it says Agreement Number : XXXX and at the bottom of the XXXX agreement, it says XXXX. The agreement states on Number 4 ( Conditions ) - Section G ( Cancellation ), You may cancel this Agreement for any reason at any time. In the first thirty ( 30 ) days You will receive a full refund upon cancellation. To cancel within ten ( 10 ) days of receipt, contact the Selling Retailer of Your Agreement for a full refund. After ten ( 10 ) days, contact the Administrator ( Administrator means XXXX XXXX XXXX ) in writing with this Agreement and a copy of your sales receipt to receive a full refund. The certified letter was received and signed for by XXXX XXXX at XXXX on XX/XX/2022. We have provided absolutely any and absolutely every original document/agreement/sales invoice that was given to us at the time of sales at XXXX XXXX when we sent everything certified mail. XXXX is still refusing to cancel and refund the cost of the {$290.00} protection plan. We have filed XXXX XXXX XXXX complaints against XXXX XXXX and XXXX. It is fraud and a scam on the part of XXXX XXXX and XXXX refusing to refund the {$290.00}. I am disputing this amount of {$290.00} charge on my Synchrony Bank card. I have attached all original documents already received and signed for by XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I use my Synchrony Bank Amazon store card to make purchases with a " no-interest '' promotion. I must pay the full balance of a particular promotional purchase within 6 or 12 months, depending on the purchase amount. Some purchase balances must be paid before others, so as to avoid paying interest at 25.99 % ( APR ). Of the promotional balances on my account, two are expiring this month ( XX/XX/XXXX ). The total amount remaining to pay off these balances is {$360.00}. If that total is not paid this month, I will be charged {$290.00} in deferred interest that has accrued over the past 12 months. At the start of this year, I calculated the amount I would need to pay each month in order to pay off these balances on time. By scheduling a monthly autopayment of {$340.00}, the balances that are coming due this month would be paid off in full. I assumed that Synchrony would apply each payment to the earliest expiring balance. When I received my XXXX statement, I realized Synchrony had applied small dollar amounts from my $ XXXX/month payments to all promotional balances, including balances expiring later this year and in XXXX. On XXXX, I called Synchrony bank. All customer service representatives I've spoken with about this have been courteous, patient, and understanding. One rep explained that Synchrony " must '' apply these " nominal amounts '' to all balances. She stated only after the first {$29.00} ( minimum payment amount ) of each month 's payment has been split between all balances will the rest of that month 's payment be applied to the earliest expiring balances. This seems to be consistent with the cardholder agreement, and I have a better understanding of it after reviewing my statements again. Because {$29.00} of each {$340.00} autopayment had been applied across all balances, the XXXX autopaymentfalls {$27.00} short of paying off the expiring balances. I discussed this with the Synchrony representative. I made a manual {$100.00} payment, while on the call, to make sure the expiring balances were paid. The rep assured me it would be applied only to the promotional balances expiring in XXXX. The rep did not tell me that Synchrony would then automatically reduce my scheduled autopaymentamount by {$100.00}, defeating the purpose of making an additional payment and still leaving me {$27.00} short. Synchrony'sonline payment page also does not tell users this, nor does their cardholder agreement. Synchrony sent a letter to specifically tell me the {$100.00} manual payment had been applied to the promotional balances I requested, but it did not mention they would just reduce my autopaymentamount without notice. Had I not checked my store card account this week, I would be out {$290.00} in just interest. Before modifying my scheduled payments, which Synchrony promises to draft and process on time each month, I need to be notified. Ideally, reps or the online payment page would have explained it at the time I made the manual payment. Instead, Synchrony'ssystem sets users up to fail to timely repay promotional balances. Today, I called Synchrony again to ask why I was not notified. After being placed on hold by representative for 45 minutes, the call was disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
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: Synchrony bank - XXXX XXXX XXXX Card - charged me for Card Security without my knowledge. I never signed up for card security program and was charged for this without my authorization. I reached out to them and they know they committed fraud and gave me back a portion of my money and said they would open up a case on get back to me. Of course they never did. I call them back and they say the same things every time and I get nowhere. I tried to request all of my statements for the card but they only sent me the statements for the months they refunded me my money so they are holding out on the evidence that shows they committed fraud. XXXX XXXX XXXX is just as guilty they must get some kick back for signing people up with out them knowing. The paper work we got from XXXX XXXX XXXX showing Synchrony bank didnt show where we signed up for this. How can I hold them accountable for their fraudulent actions? What actions can I take to get my money back?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. SYNCB/XXXX, Inquiry Date : XX/XX/XXXX XXXX. SYNCBXXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reached out to this company on a number of occasions and let them know that this was identity theft. This was open without my knowledge and permission. I let them know in writing that I had a police reports and my information was stolen. You can check address and signature like I told them too and no response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/22 I was unable to log into my Synchrony online account. A message reporting " We are unable to complete your request. Contact us at XXXX '' was displayed. I contacted Synchrony at that number and was told there was no hold on my account and that a ticket would be opened with tech support to fix the problem and to try again in 48 hours. I attempted to log on again after two or three days with the same error. I called support on XX/XX/22 and was told it could take up to 5 working days ( it had now been five working days ). I attempted again after a few more days with no success. Called support again on XX/XX/22, now 10 working days, and requested to speak to a manager who could take action to get this resolved. Was told I would be called back by the end of day. No call occurred. Called again on XX/XX/22, now 23 days without access to my account and asked to speak to a manager again. Was told they had contacted him by text and he was in a meeting but would definitely call back that day. No call back. Made my final support call on XX/XX/22, now 28 days without access to my account. Informed them not to bother with the fake manager call back promise and if the problem was not resolved by end of business day I would file a complaint with the CFPB. Of course it is still not fixed. This is the worst customer support I have ever experienced from any business. They have call log records of this entire exchange. Please make someone there accountable to take action and fix this problem so I can access my account. They have no right to be licensed as an online bank if they can not provide online access any better than this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
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 applied for a care credit account, and they approved me for XXXX dollars I never used it because of the pandemic know they I do not know who took the money out and they can not tell me who took it, I was supposed to use it for XXXX XXXXXXXX in XXXX. Can you please help me find out who took the money. Please and thank you. I can be reached at XXXX or XXXX SS # XXXX DOB XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : SYNCB/PPC ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A