Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I got a notification from XXXX, through XXXXXXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received a5 letters and numerous phone calls from XXXX and associates. I told them to stop calling. I searched online and found out this is a scam company in California. The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
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: Back in XX/XX/2021 I purchased 2 Electronic devices that came out to a total of {$4700.00} with my synchrony XXXX store card however these items were never delivered to my address. XXXX says they were delivered but they were not delivered to my address. In addition one of the tracking numbers still says investigating and says it was delivered to XXXX XXXXXXXX? All I know is neither of these items made it to my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: LOWE 'S XXXX XXXX XXXX XXXX made an unauthorized charge to my Lowe 's credit card of {$100.00} on XX/XX/XXXX. They did not notify me of their error and it was up to me to investigate who and why the charge was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Applied for the XXXX secured credit card on a few different occasions between mid XXXX and early XXXX. After that period, I got a letter saying my application was denied but afterwards I got an email saying it was denied because it was previously approved. I was informed via the XXXX site that I needed to make a deposit in the desired amount between {$100.00} & {$750.00}. I was not told I had to make the deposit for the exact amount I entered on my application. On XX/XX/XXXX I attempted to make a deposit in the amount of {$250.00} and was rejected a few times. I called the customer service number and was told to attempt a {$100.00} deposit and when I did, I didnt receive any error messages. To this day, the XXXX website reflects that I still have a {$100.00} deposit pending. On the XXXX XXXX XXXX, I realized the site still reflected I was waiting for my deposit to clear. I learned on their help screen that if there was an issue with my payment, I would be contacted via email with further instructions. I havent recieved any emails concerning the security deposit to open the card. I contacted XXXX and they informed me there was a flag on my account and cleared the flag on my account. I contacted synchrony two days later and they told me to wait 24 hours and the next day I called synchrony and they told me to wait 48 hours. I called again and they told me to mail a payment but didn't specify which department to send it to. I dont remember the exact date but I called to try to get more answers with no successso I asked if they could just close the account since I wasnt getting anywhere. The customer service representative informed me it would be reflected as a closed account on my credit report. I just called again today, XXXX XXXX and they told me to clear my cache and try again. When it didnt work they told me to just check every day and if it doesnt allow me to pay, then I need to reapply. I expressed that my credit score was already affected, and they want me to wait and apply again. It seems they are just stalling until I miss the deadline of XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a purchase from Amazon that did not work for me, I returned it XXXX tracking number XXXX amazon received it and issued a refund. Synchrony/Amazon Bank falsely states that I owe them even though Amazon has credited my account two times chargeback XXXX & falsely reports me 30 days late and is double billing store card account ending in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reviewed a copy of my XXXX credit report. The credit report showed a hard inquiry from the company SYNCB/XXXX XXXX XX/XX/2021. I have since contacted this company on XX/XX/2021 and 4 more times after that. The company stated that this is indeed fraud and reported the claim to XXXX to be removed from my credit report. Upon checking, XXXX has yet to remove this hard inquiry from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Want off report not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021, a fraudulent hard inquiry from SYNCB/PAYPAL, was pulled on my XXXX credit report, and I am trying to have it deleted as I did not authorize it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
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: My card was used fraudulently and 2 of the 3 charges were reversed but Synchrony Bank is reporting that I am responsible since it was shipped to my address from XXXX XXXX. Tracking number provided by bank comes up invalid. Fraudulent charge is about {$1000.00} for a raincoat I did not purchase or have shipped to my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A