Date Received: 2023-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They received my negotiable instrument in XX/XX/2022, and applied it to my account, and following that they closed my account as paid in full and satisfied. After several months they reversed the payment but left account closed, then proceeded to harrass me via mail, phone and email for a paid in full account. Now they claim they can not accept my negotiable instrument, and failed to return the multiple negotiable instruments I have sent, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29169
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a 0 % interest rate 24 month loan with Care Credit, a subsidiary of Synchrony Bank, at the recommendation of my doctor for a needed medical procedure. Upon completing the application, I was denied and later received a denial letter with a reason stating : " Application has risk factors that cause us to be unsure of your identity. '' I had contacted the company both by phone and email to find out additional information as to what information specifically supports this reason but have not had a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have twice disputes XXXX over a collection account ( XXXX ) whose lender was Syncrony Bank and I never took out this card but someone who stole my identity. I have sent them irrefutable evidence and they continue to confirm the debt ( Dispute XXXX of XX/XX/2023 and file XXXX XX/XX/2023 ), while XXXX has removed this from my file ( XXXX of XXXX XXXX ). I have also disputed and attached everything required by SyncronyBank. This situation has caused me great damage since I am in the process of refinancing with XXXX XXXX for my house and this has not allowed them to release it. It was with them that I discovered that we had this situation. The address and details on that card are not true as I have never lived outside of New York State. I understand that XXXX has not done an objective investigation or analyzed all the documents supplied : utily bills, my commercial data, XXXX and XXXX of my own house, etc. I need an investigation and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Synchrony Bank 9Amazon Credit card Synchrony Credit Card Amazon To Whom It May Concern I am asking your assistance with an ongoing problem which I have with Synchrony Bank. In XXXX, I suffered a XXXX and since ( since I live alone ) I have tried to make payment card ... the problem, since I do not currently live at home ( I am in a XXXX XXXX ). I do not have access to my credit cards it is not programmed into my computer. I contacted the bank in XXXX requesting my account number... they sent the last 4 numbers. Over the last 3 months I have requested mu account number another 7 times only to be sent the last 4 numbers. As you know to enter the site you need the 16 numbers of the account. In the meantime, my credit score has dropped dramatically, my Amazon account has been suspended etc/ and thelate fees have been adding up. I have entered my debit card to the account and have asked Amazon to deduct the amount from that card. I have also asked them to e-mail or regular mail and not call because part of the XXXX was I had also lost my voice which I am slowly getting back. However the bank has made between 19 and twenty calls a day to which I can not respond I can supply copies of emails on request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Company answered my previous complaint with a contact person, phone number and extension number however the contact person is out of office until XX/XX/XXXX and another contact persons name and extension number is given except that contact person doesn't return phone calls. I've made six phone calls in three days to this other contact person but to no avail. The inability for me to speak to this other contact person is just as bad as if the Company did not my answer my previous complaint at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my qritten instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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: 78752
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
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: On XX/XX/XXXXXXXX I purchased a laptop from the Walmart app for a total of {$530.00}. On XX/XX/XXXXXXXX Walmart cancelled the order due to delivery issues. I never received a credit for the cancellation and disputed it with Walmart. Walmart stated that they already sent the credit to Paypal. I disputed the account with paypal via telephone at XXXX. They credited the amount of {$530.00} and I had a XXXX balance. I received a notice that my payment was due on XX/XX/XXXX, but I should have had a XXXX balance, so I went onto my account and saw that Paypal charged my account for the full {$530.00} again on XX/XX/XXXX. I looked into the original dispute and it stated that Walmart was going to issue a refund, so Paypal added the charge back onto my account for when the refund came in from Walmart it would take me back to a XXXX balance. The credit was never applied to my account so I faxed another dispute on XX/XX/XXXX. I received a letter form PayPal Credit on XX/XX/XXXX stating that in response to my inquiry on XX/XX/XXXX, we have applied a credit of {$530.00} to your account as of XX/XX/XXXX. The credit was never applied, I called customer service and was told that the payment would be applied to my account when my new statement cut. The statement cut on XX/XX/XXXX but there wasnt a credit applied. I faxed another dispute on XX/XX/XXXXXXXX XXXX because I never received the credit and when I called I kept being told I would receive it ( next statement date, XXXX days, etc. ). I received another letter from Paypal on XX/XX/XXXX stating that according to their records the credit of {$530.00} was applied on XX/XX/XXXX. I received a letter from Paypal stating they credited my account {$7.00} on XX/XX/XXXX for interest charged on the original charge of {$530.00} but I never actually received a credit for the original amount. I disputed the charge again via fax on XX/XX/XXXXXXXX with a letter explaining the issue I was having, copy of my statements showing that a charge was never applied and never received a response from Paypal. I disputed the charge again on XX/XX/XXXX, provided the XXXX statement, a printout of transaction history from XX/XX/XXXXXXXX to XX/XX/XXXXXXXX showing the only credits where for the {$7.00} and a {$30.00} payment I made on XX/XX/XXXX, and never received a response. In the meantime, I called customer service and was told again I would be getting the credit. I disputed the charge again on XX/XX/XXXX and never received a response from Paypal. I called customer service again and was told that they could see that the dispute was awarded in my favor but that they couldnt help me with the issue and they would escalate it up to the dispute department manager. I received a letter again on XX/XX/XXXXXXXX stating that the credit was already applied to my account on XX/XX/XXXXXXXX They also charged me interest in the amount of {$58.00} on XX/XX/XXXXXXXX and {$9.00} on XX/XX/XXXXXXXX for a charge that they keep saying they already credited me back. I havent used my Paypal charge account since XX/XX/XXXX because I didnt want another charge to be on there while I was disputed the Walmart issue. So the interest charged is a direct result of the original Walmart charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have called and called so many times and have asked Synchrony Bank to please provide me with evidence that the disputes, which I have raised with them since my first dispute, have been credited back to me. Synchrony Bank has made it very difficult for me to verify that my disputes have been credited back to me, and they expect me to just take their word for it. In a recent call that I made, the representative told me that she would email me a letter for each of my disputes, totaling 11 emailed letters. I received these emails, but each and every single letter that I opened up was identical. I wanted evidence that all of my disputes were credited back to me. They gave me evidence that one dispute was credited back, and they gave me this evidence 11 times. I called them today, and the representative told me that on her end she could see all the different letters that were emailed to me and that they all mentioned a different dispute. This isn't true. They emailed me the same letter 11 times. If I didn't know any better, I would say they were trolling me. I want evidence that the disputes which I have raised with them have been credited back to me. These letters were all duplicates. She told me she would send me physical copies of each letter. That's fine, so long as they don't send me the same onXXXX 11 times again ; but even then, these letters are themselves not very convenient for me. Why do they need to send 11 different letters? Why can't they just send 1 letter that details all of my disputes since the first one that I opened with them, and the results of each? Why are they making it so difficult for me to verify that my account has been credited for these amounts? If they would send me one piece of evidence verifying that my account has been credited for all of the disputes that I have raised with them, it would make things so much easier for me. Apart from that, I'm pretty sure that I've raised more than 11 disputes with them. Why can't they send me information about the other disputes as well? Why are they limiting it to just XXXX and XXXX? I want to see evidence that every dispute I have raised since my first dispute has been credited back to me, not just the past year. I can't be expected to just take their word for it anymore. In the past when I would call Synchrony Bank and ask about my disputes, they would tell me there weren't any on file, or that this particular dispute that I was asking about was never made. In other words, they only pretended to file disputes for me, and I had to redo the disputes with them and waste hours of my time discussing the same things that I spoke about with a previous representative who only pretended to file them for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem when making payments
Subissue:
Consumer Complaint: I opened a line of credit with Paypal on XX/XX/XXXX because they offered {$20.00} off an order of {$110.00} through XXXX. When I was missing a couple of items, XXXX partially credited my original form of payment in the amount of {$8.00} on XX/XX/XXXX. PayPal took it due to the {$20.00} offer they " gave '' me. One had nothing to do with the other, as the refund was for missing items. When I tried to dispute it with PayPal, an auto message said I couldn't. Now I have to pay full price for the missing items ( {$12.00} ), as well as not getting the full {$20.00} off of my order. This is unscrupulous and unfair, and I want the {$8.00} credited to what I owe. Thank you for your help with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There have now been multiple times I send my payment on time, then I have a late fee posted and my payment is not posted until 72 hours later. I have had to watch my statements and call in SEVERAL times to their customer service line to have them fix the issue. In the past they have waived it but theyre now claiming they unable to. They are instructing you to pay the bill 7 days early, effectively making the due date of the payment earlier than it is. I have mailed my payments prior to the due date every-time but they wait to process the payment until after the due date and want me to be responsible for their inability to do their job in a timely manner. I find their delays in processing the payments intentional and predatory since they offer the financing interest free they need to scrap up fees in this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A