Date Received: 2023-11-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XX/XX/XXXX my sister informed me that the XXXX XXXX sheriffs officer showed up at her house that evening to serve me with a suit for a debt. She informed the officer that I have not lived in Georgia for almost 3 years and that I currently reside in Tennessee. She then asked what is in regards too and he informed her that I owe someone money. XX/XX/XXXX I called the XXXX XXXX magistrate office. I spoke with the clerk that my sister relayed the message where I previously lived and rented. The officer was trying to serve me and I was calling to find out what it is in regards too. She stated that it was a suit by XXXX XXXXSynchrony bank . She advised there was no Attorney listed, gave me a phone number and case number. I stated I no longer live in Georgia, I live in XXXX, Tn. I asked how I can settle the debt. She told me to call the number or XXXXXXXX XXXX ( Same day ) - i followed up with XXXXXXXX XXXX and called number the clerk gave me. I spoke with a female, i dont remember her name. After i was verified i advised i had been notified that they were trying to file suit on this debt in a state i dont live in, anymore and had not for almost 3 years now and that Ive been a TN resident since leaving Ga. Told her i would like to set up arrangements to pay this and that i can do {$50.00} a month to start in XXXX. She then was looking in the file notes and advised she did see where suit was being filed but there was not an attorney name listed for the case at that time, but said not to worry that i wouldnt be hit with garnishment right away just bc a suit had been filed. I told her something along the lines of okay thats a relief but i would like to stop this from going forward and do a promise to pay and settle this debt and the monthly payments i can do is {$50.00} a month Im a single mother, with only 1 income who does not receive child support or any govt assistance. She then advised me that i should try to get this disputed cause of some inaccuracies she was seeing and said and lets try to get your credit fixed. She then started talking about some kind of credit repair program that i qualified for that would be {$370.00} upfront and then {$99.00} a month afterwards ( again completely ignoring me calling in wanting to settle this debt with a promise to pay because i dont want to miss being served at some random address they are going to and then have a garnishment brought against me cause i missed the court date- i never asked for credit repair or my credit to be fixed i didnt need those services i just wanted to pay and not stress out ). I told her i cant afford that offer and can only pay {$50.00} a month. She said that i could possibly qualify for a free credit repair sweep if i had a minimum of {$5000.00} in my works retirement account, so going along with what she was saying i logged into my retirement account and advised okay i do have that minimum in my XXXX retirement. She advised okay great i will have to forward this to another representative who was out to lunch but they would reaching out and calling me back. Said it would be a same day call back So far i have not gotten a call back and its XXXX XXXX EST on the day of XX/XX/XXXX almost 24 hours later im still left in limbo with no arrangements being taken from me to pay {$50.00} a month. Im scared, stressed and worried that Im going to be garnished this is not right nor fair. XXXX-no call back to me has been received from XXXX. Everything is still in limbo. I decided to reach out to the 2nd number the Magistrate Clerk gave me that she advised was for the attorneys office that was listed but no attorney name listed for my case. The attorney office name is XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called in and a receptionist answered did not catch his name either, i said Im trying to settle a debt and i need to know who i need to speak with in regards to this office attempting to file suit. He said Im gon na have to transfer you to our collections dept. I was transferred over and was on hold for 40 mins before someone answered ( this resulted in me having to clock out of work that was not a lunch break, to handle this since it went past my 15 min break that i get in the mornings ). A female answered she asked for my file number, and i interrupted that as she needed my case # that was was from the magistrate filing ( # XXXX ). She said oh that did not pull up asked for my social and i still did not pull up and then advised, youll have to get in touch with another representative and gave me there ext - XXXX, did not give me a name of who i was calling but advised that they are short staffed and Ill have to call back in and dial the ext # to talk to the rep. She was unable to transfer me so i had to hang up call back to that number and then dial the ext and i did three times and all 3 times the ext said this is an invalid entry. So now at this point 3 days later i have gotten no where with either place. XXXX XXXX has not called me back andignored my request over the phone of trying to set up a monthly payment to not do a suitinstead trying to solicit services that i dont need at this timenor did i inquire on. And the attorneys office cant seem to find my file or find me in the system from the brief 4 minutes of speaking to a live person after being on hold 40 mins and then giving me a invalid extension. Wasted almost an hour of unpaid time i have lost at work just today trying to get something resolved with a {$50.00} a month payment and absolutely nothing has been done. Could it be because both places realize they have messed up big time going and filing a suit in a state that i have not lived in for almost 3 years? Might i add that it reflects on my credit report of the addresses listed and shows my current address in TN reporting as of XX/XX/XXXX and the GA address last reported in early XXXX. I also have active student loans Ive taken out going back to school that would report my TN address on my credit as well every time i do the federal forms. This mess up has had me stressed out completely and was not needed, and no answers from either place of whats going on and who do i talk. Quick to go and file a suit at the court house and have a sheriff serve me but cant resolve this when i call in and get the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SYNCB/PPC XXXX XXXX XXXX XXXX, PA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SYNCB/PPC you are furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 S-2 says YOU SYNC/PPC are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. Cease and desist the reporting of incorrect/inaccurate information immediately. 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. You are hereby put on notice that you are furnishing incorrect/inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1. The above paragraph is taken directly from the IRS 2021 publication. Send me my FORM 1099-C which you should have sent to me when you filed this account as a canceled debt. XXXX XXXX XXXX XXXX, MD XXXX XXXX5 U.S. Code 1681 S-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In Conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is a clear violation of Law 15 U.S. Code 1681 S-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report You have 10 calendar days to delete this account from my consumer reports! SYNCB/PPC ACCOUNT XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I obtained this credit card to be able to finance a piece of furniture. I since have paid off my debt with them and was considering whether or not I should keep the account open. While I thought about my decision I reached out to the company asking how I would go about closing my account if i decided to do so. I did not at any moment ask them to close my account nor consent or sign anything agreeing for it to be closed. In the following days I got notifications from them saying that my account was closed. When I reached out via phone I was told nothing could be done despite the fact that I did not ask for this to happen in the first place. I was not given another alternative, I was simply told that my account could not be reopened and the only way I could have an account is to re-apply. Them closing my account without my consent will now negatively affect me and my credit score and their only alternative of me applying for an account will also negatively affect my credit score. I was given no alternative solution that did not negatively affect me. I now have {$8000.00} less in available credit than I did before. The company had no reason to close my account without my consent or confirmation, especially considering that my history with them has been exceptional. They have not provided an adequate resolution for me and it has been very frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, our high-yield savings account with Synchrony Bank was flagged for suspicious activity, and the account was restricted ( frozen ) until a review could be completed. We explained that we were aware of the reason for the bank 's concern and that it was a misunderstanding. After more than six months and 15 phone conversations with Synchrony representatives, the account is still frozen, and we have repeatedly gotten the same response : The account is under review and no other information is available until the review has been completed. One representative in upper management added that the review team was short staffed, so it was taking longer than usual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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 first discovered the charge in XXXX XXXX, and immediately contacted PayPal Credit regarding the charge of {$140.00}. I reported and requested a dispute filed against this charge. PayPal credit claimed they filed the dispute.10 days later I have not received any phone calls or written communication regarding my case and notice the charges were still on my credit card. I called PayPal credit/ or its bank and asked for assistance at least 7 times. I was placed on hold for more than 10 minutes, I was transferred back and forth and two supervisors hung up or rather I kept getting disconnected. Finally I reach someone who promised to handle the issue. They closed my card issued a new one.and took off the fraudulent charges. By next XX/XX/XXXX they put the charge back on my card without explanation. The way I have been treated by this company customer service agents and managers was disappointing, rude and lots of fabrication. The second time I called back one agent claimed I never filed a dispute. I writing you because PayPal Credit refuse to investigate and handle my claim properly. And I am still being billed the charges and interest on a purchase I did not make.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XXXXyncrony bank Sams Club card, the expose my information such as my address, phone number and social security number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: MY CREDIT WAS USED WITHOUT MY CONSENT TO OBTAIN DREDIT I HAVE UPLOADED FILES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a credit card with TJX ( TJMaxx/Homegoods/etc ) on or about XXXX XXXX XXXX, online. The solicitation at the application offered me a 10 % off coupon to use on my first purchase. This is the reason I applied for the card, and with intent of making a large purchase at Home Goods in the coming days with the card. The card arrived XXXX and I have activated it. The store did not, however, provide a 10 % off coupon to me with the delivery of the card. I've checked a total of 4 emails they sent about my approval and card shipping from both TJX and Synchrony Bank and do not find a coupon in any of these communications. I've synced my card with the Home Goods app and also do not find a coupon or reward their for 10 % off either. I called customer service for TJX and explained that I applied online and have not received a coupon. Her advice was that I should sign up for paperless billing and that will earn me 10 % coupon. That was not part of the solicitation. She texted me a link to the online site where she says I will receive a 10 % off coupon for signing up for paperless billing. I don't want to sign up for paperless billing. Promotions offered in the course of soliciting credit should be honored, and access to it should not require strenuous effort from the consumer to obtain. The absence to deliver the promotion to the customer either via email or with the credit card for online applicants is inconspicuous and exactly what XXXX seeks to regulate in consumer credit marketing. Perhaps TJX should include the coupons in the email or mail communications to the customer, cease accepting online applications for credit, or cease offering 10 % off the first purchase to online credit applicants, as they no longer particpate in e-commerce of goods for sale online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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 am writing to report a dispute with my XXXX XXXX account and the flooring vendor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Salesperson : XXXX XXXX I have an initial charge of {$4800.00} as of XX/XX/XXXX and a subsequent charge of {$2100.00} on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, a salesperson for XXXX XXXX XXXX in XXXX Ohio, came to our home to measure our new home for flooring which we had picked out earlier in the day at the show room. He gave us a quote for carpeting in the living room hallway and bedrooms and vinyl flooring for the kitchen and laundry room. While we decided not to go with the kitchen flooring at the time, he quoted us an amount of about {$1800.00}. I do not have the quote in my possession, but it is at the store. The carpet was installed before we moved in. When we came with the moving truck, several days after the install, I immediately discovered it was the wrong carpet. After moving in, I visited the store and met with the XXXX and brought a piece of what was installed and the sample of what I had ordered. He offered to tear up the carpet and re-install what I had ordered. At the time, I thought that was extreme. So, he offered to give me half off any flooring I had installed. On XX/XX/XXXX, I met with XXXX XXXX, showed him the business card from his boss with the next purchase of flooring at materials promise written on it and proceeded to purchase the flooring I had in mind for the kitchen. He was not interested in giving me the and said so, because I was willing to keep the carpet that was installed. Not only did he not honor the off his boss promised, the quote was now {$2100.00}, because He failed to add in moving all the appliances in the first quote. I told him that it still didnt include the half off offer from his boss for the materials. He reduced the quote to {$2000.00}. I reluctantly agreed because he had me worn down and I also felt bad negotiating because he had just lost his wife to a sudden illness. I believe he picked this price because it took me to my credit limit with XXXX as he asked me what my credit limit was when writing up the quote. Obviously, however, this does not include of materials. Before I received my second invoice from XXXX, l I had called several times to check on a timeline for the vinyl flooring installation without a call back. When I opened the statement dated XX/XX/XXXX, I was shocked to see not only was I charged {$2100.00} but the kitchen vinyl flooring has not been installed yet. And repeated calls to the shop have gone unanswered. When my husband finally got a call back and mentioned the charge without receiving the flooring, XXXX XXXX, said, so what, its interest free! I mailed my first dispute letter to XXXX on XX/XX/XXXX. On XX/XX/XXXX, after I mailed my dispute to Synchrony, XXXX XXXX, the salesperson for XXXX XXXX, called me on my cell phone while I was at work. He wanted to schedule delivery for the flooring the next day. I said that was not possible. He did not know, and I did not tell him that I was travelling that day for a XXXX XXXX screening. He then became perturbed/agitated, noted by his tone and word choice, and asked about the next day. I said no, it would not work either. He asked me what my problem was and I told him that I would not schedule the flooring to be installed at this time because I had filed a dispute claim. At this time, XXXX XXXX started screaming at me on the phone, asked why I filed a claim and didnt just cancel the order. I told him it was my right as a consumer. His voice was so loud and violent and the language so abusive that my colleague across the hall heard him. I hung up on him. He immediately called back, and I did not pick up. Several minutes later, he sent me a text message, as follows : XXXX, I would like to apologize. Things lately have been a complete disaster for my family. My wife unexpectedly passed away a few weeks ago. I want all of my customers to be happy with their purchase. I am so sorry you feel that the price was too high. We did go over the pricing together. However my boss wants to take {$400.00} to help with the cost. I sincerely appreciate you and know that things are so expensive across the board. Cant even go grocery shopping without dropping a few XXXX dollars. Please reach out to me when you can. Thank you XXXX. XXXX I am not sure who is reading this, but this apology misses the mark on so many levels. There is no apology for his behavior. A death in the family does not allow you to verbally abuse someone. I am a XXXX XXXX XXXX woman dealing with my own health and family health issues, but it is not appropriate to take this out on another person. After relaying the story to my family and colleagues, they suggested I should have called the police. That his boss, thinks that throwing {$400.00} at a woman you just abused will make everything okay is also unbelievable. I received a letter on XX/XX/XXXX saying the dispute was being reviewed, I sent additional information on XX/XX/XXXX via XXXX as instructed. Although the letter says I XXXX upload my documents to the secured email message option, the email address is not provided in the letter only the mail address. I have spoken to a XXXX representative XXXX times. Once on XX/XX/XXXX, I received a voice mail from Synchrony bank and when I returned the call the representative confirmed my dispute was still in process. And, on Friday XX/XX/XXXX, and the representative at that time said there was no evidence of my previous dispute filings. I gave him a brief description of the previous contacts I had made. My dispute had been cancelled. He was going to file the claim as a new claim. But he did say a credit of {$100.00} was showing on my account. And then on XX/XX/XXXX, for the third time, I spoke to a representative named XXXX. She had some difficulty locating my previous claim letters and then found that my dispute had been closed due to a duplication. I explained and she could see from the history that it was not a duplicate, but the additional information requested to help support my claim. I asked about the email option mentioned in the letter. She said there is no email option, but I could upload my documents to my account through the customer portal. That is not mentioned in the form letter. I have tried several times to use the customer portal to upload my documents, but it times out. The reason for my third call was that I had received my billing statement that showed I was once again being billed for purchases that were under dispute. I was not given the notice or explanation that XXXX 's policy states I would receive no matter what the result of the investigation. According to the back of my statement from XXXX : If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 1. The purchase must have been made in your home state or with 100 miles of your current mailing address and the purchase price must me greater than {$50.00}. 2. You must have used your credit card for the purchase. 3. You must not yet have fully paid for the purchase. If all of these criteria above are met and you are still unsatisfied with the purchase, contact us in writing at Synchrony bank. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay we may report you as delinquent. At this time, I dispute both charges. The initial install of {$4600.00} because it is not the carpet I ordered, the company knew it, offered a small remedy and it was not honored by the salesperson. The {$2100.00} because the quote was {$2000.00}, did not include the flooring materials offered as a remedy, has not been installed although it was in stock at the time. I am interested in cancelling the second order and finding another vendor. But I will wait until this is resolved. Thank you for taking the time to read this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44870
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My former dentist, XXXX XXXX XXXX, recommended XXXX to prevent further XXXX XXXX, so I agreed ( for medical reasons only ). Her receptionist provided me with a treatment plan ( attached ) that noted my insurance would pay $ XXXX ( which turned out to be false ) and the remaining $ XXXX could be paid off over 24 months with no interest at $ XXXX. I was confused when I subsequently receive a credit card welcome packet from CareCredit, but XXXX XXXX explained that financing was just going through a third party. I set up {$160.00} on monthly autopay in my XXXX XXXX XXXX bill pay center and forgot about it, based on the communication that that monthly amount would pay it off in 24 months. I have, as of this week, come to learn the dental office had opened for me a deferred interest credit card ( a product completely unfamiliar to me ), and the $ XXXX quoted was just shy of the total monthly amount needed to pay off the balance in the 24 month " promotional window. '' Looking back at my online statements in XXXX, I see now that CareCredit alerted me to the " expiring promotional window '' in XX/XX/XXXX, but I didn't see it because I was using autopay and my CareCredit statements. When it was almost but not quite paid off ( ~ {$370.00} balance ) in XX/XX/XXXX, CarerCredit then hit me with {$1800.00} in deferred interest charges -- -more than half of the total original purchase. I only caught this, though in XX/XX/XXXX, when doing an audit of our family 's bills. I called Synchrony Bank ( CareCredit ) on XX/XX/XXXX to clarify the interest amount and called back on XX/XX/XXXX to repeat my request for help and explain the misunderstanding and was told there was nothing they could do. To avoid any further issues, I have since closed my account and paid off the balance ( $ XXXX ) ; however, I think this credit card company should be held responsible for the lack of appropriate information provided by its dental partner, in this case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A