Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Previously contested Completed XX/XX/2023 I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/year>, my car was broken into and my wallet was taken which contained most of my personal information. On XX/XX/year> I realized I was being a victim of identity theft when I was notified of hard inquiries to my credit. Additionally on that same day I received emails of purchases being made with an existing credit card from XXXX for {$2700.00} and {$570.00}. This was the only credit card I hadnt cancelled yet since I forgot I owned it and maybe it was in my wallet. I called XXXX on Sunday XXXX XXXX and reported the fraud yet they said I needed to wait past the weekend to talk to the fraud department. I have yet to try again because were still on non operational days. I have since then placed a freeze over all my credit files. On that same Sunday I placed a report with the FTC and reported the identity theft. The hard inquiries I received were from XXXX, XXXX XXXX, and XXXX. The dates for these inquiries are : XXXX XX/XX/year>, XXXX XXXX XXXX, and XXXX XXXX XX/XX/year>. The credit lines were successfully opened but i dont know the amounts of the purchases made yet. I contacted the credit bureaus where the inquiries appear and with the exception of experian, all were able to help me. The majority of the inquiries are on my experian credit report and I would really want to get those removed. I was told they would contact me within XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had accidentally made a double payment on my Lowes credit card and when I contacted customer service they only option for refunding my payment would be accepting a paper check to be mailed to me after the payment showed posted for 7 business days. My first issue is getting a paper check.. if a company is able to accept electronic payments they should be able to refund them to the same channel. They claim its more secure for a paper check but then the consumer is at risk for someone stealing mail, the post office losing the check etc.. also to some making a double payment and waiting may not be a big deal but for others it means not being able to get groceries or paying another bill that is due.. clearly on their end they see both payments posted and not returned for insufficient funds but yet I still have to wait? When I requested the paper check to be expedited then they wanted me to provide proof from my bank account that the payments both came out and also to FAX it.. again, with this day and age, nothing is done via fax and paper snail mail.. I am at a loss as to why a large credit card company can not accommodate a request to refund a double payment in a more timely effective manor in todays world. It is extremely inconvenient to the consumer when I have already held up my end of the deal by making my payment but they want to hold on to my money as long as possible. There has to be a federal regulation on how this works but was unable to locate one. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An unauthorized hard inquiry was fraudulently conducted on my XXXX credit report, and other credit agencies by Sync-Amazon on XX/XX/year>. The inquiry was made using the address XXXX XXXX XXXX XXXX, PA XXXX and the telephone number ( XXXX ) XXXX, without my consent. This act violates my rights, and I strongly request that the inquiry be removed from my credit report. To address this issue, I kindly request a report that I can mail to XXXX and other credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchrony Bank/ Venmo is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer. Synchrony Bank failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Synchrony Bank unlawfully reported negative non public personal information regarding transactions and experiences to three CRAs violating Principals rights under FCRA. Principal is demanding that all negative non public personal information transactions and experiences be removed immediately under the afore consumer mentioned rights and laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchrony Bank violation 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Released personal information without written consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is regarding SYNCHRONY BANK/AMAZON account ending in XXXX. Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
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 have a disputed charge for {$140.00} from XXXX for a purchase that I never received. I tried disputing it with XXXX first but after I waited the XXXX weeks and saw no refund, I contacted Synchrony ( PayPal Credit ) to dispute the charge. They collected dates and all the information I had. They then denied my claim twice. I've been using PayPal Credit for years and I've never not paid for a legitimate purchase. My credit score is almost in the XXXX so I don't want it ruined over this, but I will not pay for something I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 249XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Disputes was file with all three credit bureaus however in mine disputes i request the original Sign Agreement wr for this debt. On XXXX contact Sycn/PP stated no longer have any information on this debt. I'm requesting the original Sign Agreement stated I owe this debt or delete from mine credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A synchrony bank is trying to say I owe money on my Amazon account. I have called Amazon and their cards are with XXXX not synchrony bank. This phone number XXXX keeps robo calling me and it says it's synchrony bank calling about my Amazon account. I have also received an email today stating I have an overdue account balance. Amazon has assured me of my positive balance on my card. This phone number came up as fraud and robo calls when I XXXX it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A