Date Received: 2023-12-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/ I disputed an interest charge of over 100 %. When I spoke with the representative the account was corrected and I paid the remainder of {$400.00} and on XXXX XXXX I paid the account in full with a remaining balance of {$350.00}. I requested a payoff letter and that the account to be closed. On XXXX XXXX XXXX I received a new bill for {$800.00}. I am requesting a investigation for deceptive practices and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a co nsumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most non affiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I requested my account number they said I need to make my account current before they will give it to me. Im trying to go through a debt consolidation agency and they need the full account number but its being held hostage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72704
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 a hard credit check was done by SYNCB/XXXX followed by a charge and balance amount of {$3400.00}. Called SYNCB on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. On XX/XX/2023 a hard credit check was done by XXXX XXXX XXXX XXXX, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from XXXX Bank to verify if I was opening this account and replied no. I put a freeze on all XXXX of the 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: 138XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2023 the company was sent my opt-out notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Visited XXXX XXXX XX/XX/XXXXXXXX to order furniture to be oredered nad delivered in XX/XX/XXXX. Salesperson told me " Promo '' started XX/XX/XXXXXXXX and is 12 month in duration. Trap # 1 Set up auto pays so could pay over time- I have a XXXX credit score and no credit cards bills Next- I get XXXX statement from Synchrony Bank and no interest is charged so I assume all is correct. XXXX I see an interest charge and I IMMEDIATELY call - we start a dispute to clear up confusion as my 12 month " Promo " should be XXXX or now. I have made 19 calls to both Synchrony AND XXXX to problem solve. Spoken to at least 20 different people, like XXXX employee ID XXXX, XXXX and XXXX employee ID XXXX. Calls spanned from XXXX through today and I have those details. One acct manager had a solution of asking XXXX to extend the promotion int heir system so it would feed to Synchrony, adjust and then we would be clear. XXXX, managet at the XXXX store in XXXX FLorida agreed and submitted. Synchrony is saying sorry - not possible and I woe over # XXXX in accumulated back interest at a whopping 30 %. I was given different information and acted in good faith. I am reasonble and have taken the neecesay action steps- so much as paid the balance in full in XX/XX/XXXXXXXX to be sure by XXXX we were in a credit balance. I am so upset as can not affor to waste {$3300.00} in insane highway robbery inteest rates. This sounds borderline illegal. I need help advocating as I have exhausted myself trying to elevate and problem solve. ANy recourse other than go to court at an additional expense? thank you in advance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I live chat PayPal credit they refuse wave out over XXXX I have hard time pay off I'm low income customer service don't help I want this completely wiped out to my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is an account listed on my credit report as " syncb/PPC '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted synrchony Bank directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report. This is a violation of my rights under 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: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank has failed to handle my automatic payments for my XXXX XXXX XXXX XXXXXXXX on a timely manner due to their own faulty payments systems and broken website. Every month since I made the initial purchase in XX/XX/2023, they have failed to auto-debit my bank account for my monthly payment and have sent collection notices stating that I'm past due. I have had to call Synchrony directly every month to make the manual payments due to broken email links and the inability to log into my account at XXXX XXXX XXXX Every customer service person I've talked to has insisted my bank details must have been wrongly entered and that it's my fault that payments are being received late. This is despite having a Synchrony account representative manually enter the bank and routing number directly back in XXXX and receiving assurances from him that I would no longer have any issues after he confirmed my bank information and a payment finally went through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A