Date Received: 2023-12-02
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 contacted Synchrony Bank about fraudulent charges that showed up on my XXXX 's card. i called their dispute line and disputed them. They refused to work with me, saying i benefitted from the purchase. I called them several times and spoke with different reps, disputing the charges and they have still refused to remove the charges. They have also put XXXX, XXXX, and 90 days late on my credit reports, causing my score to decrease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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: I have disputed my account balance since XX/XX/2023, during which time Synchrony has done an abysmal job of communicating clearly. Because of their failure to make themselves understood, this dispute has gone on far too long and has become far too complicated, particularly given the small amount in controversy. Since the last time I used the account for a purchase, in around XX/XX/2023, my minimum monthly payment had been {$190.00}. On XX/XX/2023, I paid ( via my bank account, as usual ) {$190.00} toward my next regular monthly minimum payment. Even after several days, the payment had not posted to my account, so I sent a message on XX/XX/2023, to advise of a potential problem with the payment. Synchrony issued a temporary credit of {$190.00} while it investigated the missing payment, which within the next few days apparently was processed and was posted. At that point, they reversed the credit and debited my account {$190.00} to offset it. This brought us even. It was a wash. Synchrony received the amount duein a timely fashion, I addand the temporary credit was reversed. That should have been the end of this. On XX/XX/2023, I became aware that my minimum monthly payment had increased by {$35.00} to {$220.00}. My account statement dated XX/XX/2023, gave no explanation for this increase. There was no late payment fee listednor should there have been because my account was current at all times. The only transactions on the statement were those that I have already described. I wrote back that day to request an explanation for this increase. In what has become an agonizingly consistent theme, the reply ( from XXXX XXXX. ) was utterly incoherent : Please note that the minimum payment due will increase on your account when there is a late payment or interest charge. Our records indicate the transaction made on XX/XX/2023, XX/XX/2023 in the amount of {$8100.00} ad {$7100.00} was placed on an Fixed Payment promotion which means you will be charge [ sic ] interest at a lower rate of 9.99 %. That gibberish, of course, failed to provide any explanation for the payment increase, so I replied, in an increasingly angry fashion, to demand a response that actually made sense. XXXX XXXX wrote back, listing the transactions Ive already described here and saying, [ We ] have charge [ sic ] back total of {$190.00} on XX/XX/2023 to offset the temporary credit that we have applied. This charge back was considered standard balance that cause [ sic ] your minimum payment to increase [ emphasis added ]. That language quite literally enraged me ; the chargeback was a wash that shouldnt have affected my minimum payment. Not even by a XXXX. XXXX replied that Synchrony would investigate the matter and advise me when theyhad reached a conclusion. This was on XX/XX/2023, the same day that I did precisely what I was required to do under the terms of our agreement : remit the undisputed balance due of {$190.00}. On XX/XX/2023, I wrote back, angrier still, because a more-than-adequate time for such a simple matter to be resolved had transpired with no explanation for the increased payment. XXXX XXXX replied to indicate that Synchrony needed an additional XXXX to 14 days. On XX/XX/2023, I became aware that Synchrony had charged me a late fee of {$30.00}, and I demanded that they reverse that charge immediately consistent with the terms of the credit card agreement. They acceded to that demand, and XXXX XXXX replied that, now, theyd need as much as 60 days to resolve the matter. On XX/XX/XXXX, I saw that Synchrony had, once again, incorrectly calculated my minimum payment, charging me {$220.00}. I wrote immediately to contest the increase and to advise that I would only be paying the undisputed amount of {$190.00}. I received a reply from XXXX XXXX that was nothing but boilerplate ; I dont even grace it with the term reply because it did nothing more than to evidence that XXXX hadnt even read my message. The response to my e-mail complaint about her unresponsivenessthis time from XXXX XXXX an apology that the response could not be more favorable. Once again, this was not responsive, and I expressed that fact in a reply stating that the problem was not an unfavorable response, but no response at all. More gibberish from XXXX prompted a demand that the matter be escalated to a supervisor immediately. That never happened. The next event was me becoming aware on XX/XX/XXXX, that Synchrony had imposed another late fee, this time ( inexplicably ) in the seemingly arbitrary amount of {$41.00}. I wrote to complain about the fee and the long delay in the resolution of the matter, demanding that the fee be reversed ; XXXX XXXX responded shortly thereafter. She said that the investigation had concluded and that she was attaching the resolution letter previously sent to you. She did not attach anything, nor had I previously received anything. She also refused to refund the late fee. I demanded a refund and an explanation of Synchronys conclusions by the close of business on XX/XX/2023, indicating that I would take appropriate legal action if they failed to respond. On XX/XX/2023, XXXX XXXX wrote that the late fee was being refunded As a courtesy. She also attached the resolution letter referenced by XXXX. It was dated XX/XX/2023, yet I was seeing it for the first time. That hardly matters, though, because ( as seems typical ) the letter offered no resolution : Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. What does that even mean? What about the minimum payment increase and the amount allegedly past due? Not a word of explanation. I replied that, because Synchrony had failed to provide an explanation by the close of business on XX/XX/2023, I would file this complaint on the morning of Monday, XX/XX/2023. Over the course of the weekend, I received a message from XXXX stating that the matter was being escalated to the corporate office, which would contact me within 7 to 14 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: No extra information was exchanged, I received multiple calls from different phone numbers ( the one I inputted being the most recent ) asking me about a debt I dont know anything about. I have received hundreds of calls over the last few years and have requested information from them in early XXXX ; written statements of everything I supposedly owe, itemized out so I may be made aware. I have yet to receive any documentation from this entity and refuse to pay an sum of money until further evidence is presented. I have gone as far as telling this company to place me on their do not call list, they can not even respect my rights enough to stop their almost daily phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I apply for an Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where II apply for a Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where I receive my driver license, and then I had to process all of that and send it with that. I received a passcode and a phone number to call when I called that number the person on the other end requested my passcode that I received after taking the photograph and my phone number and home address, and my Social Security number, they put me on hold and came back online and said I was approved for a Amazon secured card and I asked what does that mean and what is that because I applied for Amazon credit card they said I wasnt approved for Amazon credit card because of my credit history, so therefore, I was approved for a Amazon secured card with a passcode giving to me for transaction proval then I was ask or was told too deposit {$100.00} as of today as we speak on that card that I was approved of. I said I didnt have it today maybe on the first of next month they didnt approve of that they sent if I did not have the XXXX XXXX today or next month they will have to cancel I said with that being said, go ahead and cancel everything delete all my personal information and etc.. I reporting this because I felt like I dont know if they were legit or illegal but they have all my information and I wanted to report that just in case Technicality to follow behind this transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX To whom it may concern : I am also requesting a copy of my updated credit report.I have the right to contest any information on tha credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 Standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681 ( c ). I would appreciate if you could remove them immediately. XXXX XXXX XXXXXXXX The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately! XXXXXXXX XXXX XXXX XXXX XXXXXXXX I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. I would appreciate if you could provide documentation showing compliance with FCRA guidelines. Please respond as soon as possible.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit report I received from you showed a few companies that are not familiar to me. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must haves permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry XXXX XXXX XX/XX/XXXX XXXX I didn't know that companies were looking for my information, but this one on my credit report is unfamiliar to me. It looks like they put an inquiry without getting permission first, which isn't possible unless they had a permissible purpose, which is outlined in section 604 of the U.S. Code. If they didn't have a permissible purpose, please remove this or send me documentation proving how we can use these types of inquiries accordingly. XXXX XXXX XX/XX/XXXX XXXX I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. I contest the reporting of the above noted inquiries and challenge the demonstration of the confirmed physically verifiable proof of validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was lactually identified as being me and only me. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. XXXX XXXX XX/XX/XXXX XXXX I received a credit report from you, and I noticed that there are some companies on it that I don't recognize. It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. According to the U.S. Code of Federal Regulations, Title 15, Chapter 16, Section 604, all users of credit reports must have a permitted purpose in order to obtain them. So, can you please remove these inquiries from my report or provide me with documentation proving that they should be on there? XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly. XXXX XXXX XXXXXX/XX/XXXX XXXX I am writing to you because there is an unauthorized credit inquiry on my credit report. I dispute this inquiry and would like it removed from my credit report. I would also appreciate if you could update me on your findings within 30 days. This unapproved inquiry is harming my ability to obtain new credit. Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied to synchrony bank for the following : LOWES Commercial card ( using XXXX ) XXXX Amazon Business Card ( using XXXX ) PayPal Buy now Pay later XXXX All cards were denied for the reason of not ring able to verify my identity, for the business cards it stated my business name could not be verified. Information was provided to contact XXXX and XXXX in the denial letter. I called XXXX and verified with them, as they walked me through how to access my XXXX report that the business name is correct. Synchrony was wrong. Synchrony, at the time of application, for All applications mention above sent me a link and I had to make a video of my face and also take a photo of the front and back of my drivers license. I did this and continue to attempt many times. There kept being an error with accepting the license. It state it was too close then too blurry I kept trying until the link timed out, I then called synchrony bank to report the glitch and was told Id get a letter in the mail. Once I got the denial letters I asked for another way to verify my identity I was told that u had to apply again. My credit was pulled 4 times. Im trying to build my business credit and I wanted the Lowes and Amazon cards for this. The PayPal but now pay later was a personal application. Only synchrony gives me the identity error. My credit report for all bureaus has an alert that prompts creditors to call my cell phone to verify I gave permission for a credit pull. Some companies ask for ID and proof of address to be sent via an encrypted email, Ive never had an issue verifying my identity. Its simply unfair to give me credit pulls if the link that was sent was faulty and did not work. I should be told to apply again, this isnt fair to consumers. I was told by a synchrony bank rep that my number for my business ( XXXX XXXX XXXX XXXX ) did not match my application. She informed me that XXXX nexis was used. I asked her why the Denial letter cited XXXX XXXX XXXX. My XXXXbinformation is correct so XXXX XXXX needs to be updated. Synchrony bank used a faulty link to verify identity it would not accept my drivers license yet I get a denial and cited for unable to verify identity. I had pre approvals for the business Amazon and commercial Lowes card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Sam club is inaccurately furnishing information to XXXX and XXXX who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 Paypal Credit/SYNCB/PPC Account number XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Opened-XX/XX/XXXXXXXX XXXX Account number-XXXX Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy. 15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions. 15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years. 15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Ever since I've closed my Amazon Store card I still continue to receive calls regarding this debt. XXXX ( s ) included ( Violation of Consumer Protection Act ). These are all " robocalls '' while in fact the number listed on the account ( which should be closed ) is listed on the U. S. do not call registry. these continued and unanswered calls are a form of harassment. XXXX has economic tort laws and remedies in in place for restitution in which I will seek restitution against Synchrony for damages for each offense unless I'm offered a remedy on their End. Thank you, - XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A