Date Received: 2022-06-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The Old Navy store located at XXXX XXXX XXXX, XXXX, OH XXXX signed me up for a credit card without my permission. I returned to the store upon discovering this to have it canceled. The store manager said it was cancelled. Today I just got an email about a missed payment. Clearly it wasn't cancelled. I suspect if this store is using this underhanded tactic to inflate their sales numbers then they are not alone. Perhaps an investigation is in order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
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: I recently found out that XXXX XXXX XXXX filed a lawsuit against me in Virginia where I do not live on behalf of Synchrony Bank. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: most of my credits cards, have put in disputes. they are not resoled to my satisfaction or are ignored. this is been going on for five months talking to the company 's Please help XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : SYNCB/PAYPAL Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX SYNCB/XXXX Inquired on XX/XX/XXXX Business XXXX : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. Thank you for your help and assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 written instructions. 15 USC 1666B : a creditor may not trat a payment on a credit card account under an open end consumer credit plan as 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: 48080
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank cancelled my account immediately without a 45 day notice after the balance had been paid in full. I had recently charged the last charge to the card after it had a 0 balance and they cancelled my account because of several reasons, perhaps the largest being lack of real estate. Now I can not log onto the app to interact with my account in any fashion, its really aggravating because I was trying to pay my bill that just had new charge put onto it and I find out my account is closed without any notice whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for the PayPal XXXX Credit card and had an hard inquiry put on my XXXX credit report, but the website said that I needed to unfreeze my XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
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 was shopping for furniture for my new home and came across XXXX store in XXXX XXXX, which is called " XXXX XXXX XXXX ''. I went to the store and start browsing items, when one of the store associates approached me asking if I need help. He introduced himself as XXXX. I selected several items and XXXX helped me to place an order on them, while placing order he offered me to apply for a Credit Card with synchrony bank. We filled out an application and I was approved for {$4000.00}. Once we obtained credit approval XXXX immediately charged the card and placed an order. He informed me that total amount would be {$4000.00} without giving me breakdown of cost on each item. Then I requested him to go through each item individually and provide me detailed cost. I noticed that he was trying to overcharge me on each item. I informed him that I am not accepting his offer, due to items were overpriced. He tried to intimidate me by offering free items ( like mirror and etc. ) I asked him to cancel transaction. He informed me that he needs managers approval to cancel purchase, but assured me that it will be taken care on business day, since it was weekend, no one could reverse the transaction. He asked me to sign the paper and obtained my authorization to cancel the transaction. I signed authorization and left the store. On next Monday I start following up, to check if transaction was cancelled, but I was told to wait and someone would call me back. The same thing lasted for few weeks, and after approximately XXXX weeks when I attempted to call with follow up I was told that my items are arriving soon. I informed them that I never authorized any purchase, but they assured me that they will give me discount on each item and they will provide additional items for FREE. I start receiving items one by one and they were absolutely not as described. I called the store and informed them about my issue. They assured me that they will replace items which didn't match my preference, but it may take several weeks or month, since all items were on backorder due to COVID. I waited several month and no one ever would contact me to replace my items. During this time, some items started having small spots due to poor quality, I called the store again, but they were not helpful at all. At some point during this time I raised the concern of being fooled. Then I received attitude from the store. I decided to stop calling the store and instead I raised the concern with Synchrony Bank. I submitted claim with Bank and received Credit from the store in the amount of {$400.00}, for items which were not delivered. Then I received call from the store manager, requesting me to come to store to resolve the issue. I decided to give them a chance to fix the problem. When I stopped by the store, store manager greeted me with aggressive attitude as soon as he understood who I am. He stated that I am filing false claims and start threatening me. Then I kindly asked him to call XXXX, the person who served us and helped us with purchase. Store manager claimed that XXXX is dead. I asked him the reason he invited me to his store, he said he wanted to see me in my face and started threatening again. Then I decided to leave the store fearing for my safety and called the bank again. They accepted my claim again, but came out with no resolution. I requested store to take back all their items back and refund my funds. The same statement I made while I was filing dispute with the bank, but until today, it is been almost a year, but I could not reach resolution of my problem, neither with store nor with Bank. I decided to escalate this matter to CFPB to help me with my matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A