Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: All the credit inquiries on my credit reports from all 3 credit bureau from XXXX on up to XXXX I am not responsible, for I have tried to dispute these inquiries I even file XXXX XXXX bankruptcy to try to clear this problem up.Plus I was notified that my personal information has been compromised in the XXXX XXXX XXXX so i need these inquires deleted from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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: XX/XX/2023, I made a payment to Lowes and Synchrony Bank of {$250.00}. XX/XX/2023, an auto payment was taken out of my checking account for {$250.00}, this was not an approved withdrawal out of my account. I called on XX/XX/XXXX, to Lowes and tried to explain the issue that somehow, they withdrew {$250.00} out of my account, and they told me that it had not shown up on their system yet, and that it would take 15 days to refund my money. I then called my bank XXXX XXXX XXXX XXXX and asked them to look into the withdrawal. XXXX XXXX looked into the issue and refunded my money on XXXX. Lowes sent me a new statement On XXXX XXXX, stating that I owe them {$340.00}. Saying that I still owe the {$250.00} plus late fees. I called Lowes and they said that they sent me a refund check for {$250.00} on XXXX XXXX. I never received this check and asked Lowes to produce the check with my name on the back and said they did not have too. That I still owed them money. I never received the check nor did my wife whose name is on the account. I cancelled the account I the account is paid off but they still want money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Synchrony bank acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Synchrony bank. Applied for card received unable to open card due to risk of invalid identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Early XX/XX/XXXX ( around midnight or after ) I was scheduling payments to be made on Friday ( XX/XX/XXXX ). I was trying to schedule a payment on my Venmo account and I had confirmed the payment on the initial screen I had selected everything ( source of payment, date, amount ) and I had hit accept. It wasnt until the next screen popped up with the confirmation confirmation number that I realized I scheduled it for XX/XX/XXXX instead of XX/XX/XXXX, and there was nothing I could do about this. I tried calling right after it happened, I tried emailing, and I called again after work I was told that there was nothing they could do. I feel like Im being penalized as a consumer for an oops when I have tried doing my due diligence to correct this, but apparently there is nothing than can be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received notification from the company, Synchrony for the first time. NoTransaction date. Notice dated XX/XX/XXXX. No purchase date indicated. We have not purchased anything from them in several years. Account number XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Dear Sir/Madam, I am writing to officially file a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a serious matter involving PayPal Credit , which is serviced by Synchrony Financial. The issue at hand raises significant concerns regarding potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission ( SEC ) regulations, Financial Industry Regulatory Authority ( FINRA ) regulations, and alleged securities fraud. The details of my complaint are as follows : Payment Instrument Submitted : On XX/XX/2023, I submitted a negotiable instrument for payment to PayPal Credit in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company and sent registered mail XXXX XXXX XXXX, accompanied by specific processing instructions, as prescribed by 31 CFR 328.5-6. Company 's Response and Actions : Regrettably, PayPal Credit has neither applied the payment to the account nor returned the negotiable instrument, which is mandated by law. Furthermore, the company has continued to contact me for payment despite my attempts to rectify the situation. Adverse Action on Consumer Credit : Adding to my concerns, PayPal Credit has taken adverse action against my consumer credit, which, based on my understanding of applicable laws and regulations, they may not have the authority to do. UCC Title 3 Violation : In accordance with the Uniform Commercial Code, Title 3, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered discharged, and my consumer credit should have been updated to reflect " paid as agreed. '' Allegations of Securities Fraud : I suspect that PayPal Credit may have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. Given the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined. Despite my attempts to communicate with PayPal Credit and my requests for the application of payment or the return of the instrument, the company has not responded or addressed this matter as of the date of this complaint. I respectfully request that the CFPB initiates a comprehensive investigation into this matter involving PayPal Credit XXXX Synchrony Financial XXXX to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, FINRA, and IRS, to ensure a thorough examination of this matter. Thank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XXXX I was denied credit after applying in SAMS CLUB. I called bank for underwriter where i was transferred back and forth and advised to apply again. On or about XX/XX/2023 I received a letter for denial of credit by Synchrony Bank for SAM 'S CLUB. However, I claim all rights, titles, and equitable interest in accepted applications and securities. In response to denial I sent letter to XXXX XXXX XXXX of Synchrony Financial with no direct response but i did get response from XXXX XXXX ( Office the President ) who claims she was directed by XXXX XXXX. No questions were answered to any satisfaction. I responded to make aware of my rights for resolution to no desired response for denial of my right to credit. Sent follow up email and reached out by phone with no additional response. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I tried to make an extra {$100.00} payment ( on XXXX, not my scheduled auto payment ) and they used a closed bank account from two years. Charged up return check fee, then closed my account because they use the wrong account. I have not missed any payments. I always pay extra on the card and I hardly ever use it, but they hurt my credit really bad by closing the account and demanding the money for it. I had the same problem with the same company the month prior when they canceled all my auto payments on all my synchrony cards, first they told me it was a computer glitch. Then they told me it was my fault cause I never scheduled all the payments when my history shows that I had auto payments scheduled and been using auto payment for the past year. I am going to pursue any legal options that I might have because I do not think this is a fair practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 69101
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXXXXXX is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A