Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CITIXXXX XXXXXXXX XXXX XXXX XXXX JCPENNYXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I submitted a credit card payment Synchrony bank stated that my payment bounced and there was insufficient funds in my bank account so I resubmitted my payment and it went through that time on XXXX XXXX on XXXX XXXX. I got a notification from a third-party that they closed my account and they failed to notify me until XX/XX/XXXX, I have been trying to contact them to get information I have never once missed a payment and have always paid my payments early and have been a loyal customer. They stated they closed my account out because. Of that payment being bounced synchrony bank keeps hanging up on me there customer service doesnt know what to do. They cant get into my account. They cant give me any information. Their collections department cant get into my account either and cant give me any information I requested. all they keep saying to me is please make a payment and thats it. They are reporting it to the credit bureaus as a negative account now and this has affected me majorly and dropped my score XXXX points personally an emotionally affected me and affected me buying a home
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I spoke with the representative of the company, Care Credit Synchrony Bank and expressed my concerns about the late fees. I informed him that I had checked the website for the time frame for late fees to be added to the account. I had informed him that I had observed a XXXX day grace period. I also informed him that I had been informed of this when I applied for the credit card. In turn, all he stated was he couldn't remove the late fees.I also informed him that I had no problems with a few of the late fees. But, the ones that were applied before the XXXX day grace period should be removed. How could I have accumulated a bill of more than a XXXX dollars in such a short period of time? The representative had no reply. I kept asking, but received no reply. All I needed was a few simple answers to a simple question. I'm one consumer that tries to keep track of bills/ debts. I try to keep track of my finances, debts, and credit payments. I'm just trying to get some answers. The issue started in XXXX with late fees. But, was fine in XXXX. But, has continued to the present day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Below is the letter I sent them : XX/XX/2023 Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I recently received a letter denying a credit card ( copy enclosed ). The reason for said denial was as a result of information you received from XXXX. That information indicated I have an identity theft risk. Also, enclosed is a copy of the page from XXXX indicatingXXXX under Address Match & Potential Fraud Alert. It appears your decision to deny the XXXX credit card, which by the way, I do not want, was inconsistent with XXXX report. As such, I have no complaint with XXXX. I believe my credit rating has been negatively affected by this contradictory information and am requesting an explanation and correction to my credit records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Ive had an open dispute now with PayPal credit for probably over a year I found dispute with you guys asking for documentation proving that it was me that made the charge because I filed a fraudulent charge so just depends few weeks Im getting a lot of harassment email emails and text messages And letters in the mail regarding this charge that they want me to pay for. I asked them five times to close. My account told him that I wasnt paying for something I didnt charge unless they can prove otherwise Im not paying for it so now theyre retaliating against me And how theyre doing it by violating my rights two days ago they went and notified the credit bureaus that my account is delinquent its more than 90 days late and my credit score drop XXXX points. Oh wow its still under dispute. Within the past two weeks. I had two phone calls with them, and both agents told me to disregard the messages as it still in dispute, after that two days went by they notify the credit bureau again stating that my account was closed and they backdated it to XX/XX/ XXXX that was after they reported my account delinquent two days prior. Theyre making inaccurate false reports on my credit. I disputed it with two of the credit bureaus XXXX XXXX and XXXX because I know they both received information from PayPal credit. I asked him numerous times for documents they refused to give it to me. They sent me like four months of my statements, so now I believe theyre doing this intentionally and because of that my credit score took a dramatic drop of XXXX points and theyre violating the law because its my rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with Synchrony Bank, they have started a fraud investigation. The summons and the account are not my name. When I say May name is not XXXX XXXX, XXXX XXXX refuses to talk with me. I was advised to file a complaint with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made XXXX minimum payments of {$57.00} to my PayPal credit account on XX/XX/XXXX and XXXX both payments were rejected by PayPal because PayPal stated my checking account had insufficient funds therefore the minimum payments could not be made from my checking account. I was shocked to see that the two payments were rejected by PayPal because I have sufficient funds in my checking account. PayPal also charged two returned check fee amounts to my credit account of {$30.00} because the two minimum payments were rejected. I went to my banking institution ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to check my checking account to see why the two payments were rejected because I have sufficient funds in my checking account.The representative at XXXX told me that XXXX would open an investigation to see why the two payments were rejected by PayPal because I have sufficient funds in my checking account. Later that day XXXX emailed me a letter stating that the reason why the two minimum payments were rejected was because PayPal was trying to pull the funds from an account that was not my checking account with XXXX. XXXX told me to contact PayPal and tell them that the minimum payments were rejected because they were trying to take the payments from a checking account that was not listed as mine with XXXX. I contacted PayPal earlier today and stated to a representative that I contacted my bank and they stated that the payments were not pulled from my checking account because PayPal does not have the correct checking account under my name on file. I told PayPal I do not owe a {$86.00} minimum payment on XX/XX/XXXX because PayPal was trying to pull the funds from a checking account that is/was not mine.Plus I want the two returned check fees of {$30.00} credited back to my credit account because they should have not been charged in the first place because PayPal was trying to pull the two minimum payments fees from a checking account that was not mine. PayPal is still trying to say I owe the {$86.00} minimum payment fee when I paid the {$57.00} minimum payment fee on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm writing this letter concerning XXXX of my credit cards. That are through Synchrony bank this all started in XX/XX/2023. When someone from the bank listened to my story. Regarding flooring done by XXXX She suggested and filed a disbute against them. XXXX XXXX ) In the process I received a letter stating that I was not to make a payment. On the amount under investigation. Until there was a decision. I misunderstood the letter and did not make a payment, on the entire bill. My first time. Let me say that every action that was done in this process. I found out the results via credit karma sending me alerts. And later receiving a letter from them. I received an alert from credit karma that I had a XXXX point drop on my credit. Credit limit had dropped from {$1900.00} to {$1000.00}. But the reasons made know since, I sent an inquiry to the corporate office of the president. I spoke with someone from XXXX who said that the reasons given was not their doing. Even though the letter bared their name and address, and that they were not reasons in their opinion to decrease the credit limit It was put under investigation and I would receive a letter. Concerning their investigation. The charges were reversed by the bank in my favor and then they were reversed again in the banks favor. Shortly after that I received an alert once again from credit karma, stating another decrease. This was my TJMaxx that was {$1000.00} and reduced to {$250.00}, they stated XXXX of the reasons as I didnt have a mortgage. At this point I began to feel like I was dealing with retaliation and discrimination. They finshed with their " investigation '' which consisted of them using the waiver. That did not sign from the floor installer. Which bore the intials of my XXXX XXXX XXXX XXXX child. The flooring company manager from XXXX, said that this was not how they did business. He did come out and stated that the installment was done incorrectly and promptly went to make the situation right. I finally spoke with the person from the president office at Synchrony bank. Even today as I write this letter. I'm not sure why she called me. XXXX XXXX the represetative from the president office was rude, nasty, and very condescending. She was not willing to answer my concerns of retaliation. Because she believed that they were right because I missed a payment. Other then to say that retaliation and XXXX bias doest happen. XXXX XXXX kept saying. " Those are XXXX issues not ours. She would ask me questions about what happened and then cut me off. She made statements like it is the responsibility. Of the consumer to read the information before accepting the credit card. She was very short and she left me feeling. Like I was a liar and a XXXX consumer. I was angry, exhausted and hurt. And cried alot throught this process. I finally aasked her why did she call me, if she knew what she believed to be true. And already knew their decision. Fast forward on XX/XX/2023 I received another credit karma alert that I had another credit card to decrease. It was for an air coditioner credit card XXXX that was {$5000.00} that was dropped to {$250.00}. Which I never used before. I can't wait to see the reason for this decrease, after being sick from XXXX. I was able to build my XXXX XXXX up. It has taken me several years to get my credit together. In a matter of a little over a month. This bank has deatroyed and walked awey without any thought. How they have ruined my credit and left me to pick up the pieces. And they said that they don't operate out of retaliation or practice discrimination. It sure looks that way to me. The fact that these XXXX cards have been affected, Scares me for the other cards I have with this bank. And my credit. XXXX needs to be made aware of these types of practice. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed when I inquired about increasing my credit line to cover a medical treatment that I was receiving. When I spoke to several managers about the issue they failed to provide me with any remedy for my urgent matter. I wrote a letter to the CEO on XX/XX/2023 and I'm still waiting for a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A