| they have denied my fraud claim. I have been cooperative with Synchrony Bank and reported this fraudulent charge in a timely manner. I do not understand why they refuse to acknowlege that the charge is fraudulent.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,CA,92648,,Consent provided,Web,2019-10-05,Closed with non-monetary relief,Yes,N/A,3397084 | 1 | 0.0% | The Synchrony Fraud Team has reviewed your claim and is unable to approve it for the following reason ( s ) : You authorized |
| they have destroyed my credit | 1 | 0.0% | and at first |
| they have done the same thing | 1 | 0.0% | for XXXX account in particular which TransUnion has failed to verify or provide proof of their investigation |
| they have done this to several other consumers and was even sued and lost to a consumer in XXXX. | 1 | 0.0% | LLP to gather more information about the so-called dept that I owed. I spoke with one of their representatives by the name of XXXX. She declined to give me her last name stating I am the only XXXX in the office ''. She reports that I now owe them XXXX |
| THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! | 1 | 0.0% | NO CALLS |
| they have excess funds from us. From XX/XX/XXXX to now | 1 | 0.0% | PHH had still not applied the payoff to our account |
| they have failed | 1 | 0.0% | and many were added without my authorization or knowledge. Because of these unverified addresses |
| they have failed to adequately investigate and remove these items. This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ) | 1 | 0.0% | I have been a victim of identity theft |
| they have failed to comply | 1 | 0.0% | fraudulent accounts were opened in my name without my consent. The following accounts |
| they have failed to comply with returning the debt. | 1 | 0.0% | I communicated with XXXX XXXX |
| they have failed to correct or investigate the matter properly. | 2 | 0.0% | the inaccurate information remains. Specifically |
| they have failed to do so | 1 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent disputes on XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Experian |
| they have failed to do so in this case. | 3 | 0.0% | including XXXX |
| they have failed to do so. I have received billing statements showing fees for delayed payments. My account is paid through my bank; ( the bank can attest that there has Never been a payment that was sent to them past the due date ). | 1 | 0.0% | I have requested |
| they have failed to do so. NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX | 1 | 0.0% | Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ) |
| they have failed to meet their obligation to report only accurate and verifiable information. | 3 | 0.0% | the credit reporting agenciesExperian |
| they have failed to perform as required under 12 CFR 1067.7 subsection ( a ) ( 1 ) FORM OF OPT-OUT NOTICE.1016.10 ( a ) ( 1 ) of the Privacy Act of 1974 a CLEAR AND CONSPICUOUS NOTICE to each of their consumers that accurately explains the right to opt-out under this section.In addition to this violation | 1 | 0.0% | Yet they have included in their privacy policy online a statement advising consumers to contact them in order to review |
| they have failed to provide the required documentation. Instead | 1 | 0.0% | Midland Financial has repeatedly called me |
| they have failed to provide this information | 1 | 0.0% | I requested written verification of the debt |
| they have failed to respond and honor my request. | 58 | 0.0% | PA XXXX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern |
| they have failed to respond therefore | 3 | 0.0% | Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers |
| they have failed to take appropriate action to remove the fraudulent information from my credit report. The violations of the FCRA are as follows : **1. FCRA 605B : Blocking Information Resulting from Identity Theft** - **Violation : ** TransUnion did not block the disputed information within four business days after receiving proof of identity theft. | 1 | 0.0% | I have contacted TransUnion 13 times to dispute the erroneous information on my credit report. Specifically |
| they have found my information | 1 | 0.0% | or the information that you provided was not legible. Which one is it? What exactly is it that you seem to be confused about? i submitted to you proof of identity |
| they have given up their right to make a claim for the money that was allegedly loaned to me. The debt is not only unsecured but it is eradicated starting with the rescission notice and ending with their failure to comply with the statute.,Company chooses not to provide a public response,WELLS FARGO & COMPANY,CA,94109,,Consent provided,Web,2015-11-09,Closed with explanation,Yes,No,1647430 | 1 | 0.0% | 2015. Wells Fargo received the notice on XXXX XXXX |
| they have hung up multiple times | 1 | 0.0% | most definitely time for myself to file multiple lawsuit 's |
| they have ignored all my attempts to contact them.,,CAPITAL ONE FINANCIAL CORPORATION,IL,60618,,Consent provided,Web,2020-08-17,Closed with explanation,Yes,N/A,3795200 | 1 | 0.0% | lack of disclosure |
| they have ignored all my attempts to contact them.,,EQUIFAX | 1 | 0.0% | lack of disclosure |
| they have indicated that the information they report is sourced from Equifax. | 2 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| they have indicated that the information they report is sourced from XXXX. | 1 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| they have informed Equifax. | 1 | 0.0% | while in the process of buying our first home suddenly this item showed up on credit reports from 2 agencies |
| they have introduced new errors | 1 | 0.0% | which can mislead creditors and restarts the statute of limitations unfairly. This is a deceptive and abusive practice that is strictly prohibited under the FCRA.I have disputed these inaccuracies with XXXX repeatedly |
| they have it open. He had no explanation as to why this was not explained to me PRIOR. I have also attached the emails confirming the enrollments. Their website does NOT allow access to the plan details. | 1 | 0.0% | I followed their instructions and completed the program. However |
| they have kept the accounts reported as valid and charged-off | 1 | 0.0% | identity-theft documentation |
| they have kept the excess money and havent worked with XXXX to correct it. But they are now suing me for the co-pay portion for a visit that never happened and we were told there wouldnt be any billing. This claim is their cause of action two. | 1 | 0.0% | while waiting to see the Dr |
| they have lied on numerous occasions saying they filed chargebacks but produced no such documents or information that shows any coordination with any merchants. They are also claiming to be a financial technology company and not a bank and do not have to adhere to regulation E and Z yet have a dispute process that resembles this exact policy being used. They are indirectly condoning cyber theft and fraud and silently enabling such behavior via their platforms.,,Chime Financial Inc,NJ,07103,,Consent provided,Web,2024-08-22,Closed with explanation,Yes,N/A,9894025 | 1 | 0.0% | a thorough investigation and prompt resolution to the very clear concerns I voiced over the past 8 months. As recent as Today |
| they have lied to you and most likely you will have to sue. I am XXXX XXXX XXXX | 1 | 0.0% | I spoke with another SPS rep |
| they have lost that right to collect on that account. | 1 | 0.0% | they repurchased the debt from the XXXX XXXX |
| they have made it almost impossible for me to attain my own consumer report online or otherwise. I am supposed to be able to get my report every week due to the pandemic and it has been impossible for months now. Yet Transunion wrote me a letter saying I had already received my free report for the year. What about all the other weeks I asked for the report but couldn't attain it? | 1 | 0.0% | damaging and inaccurate information. According to 15 USC 1681b ( a ) ( 2 ) |
| they have made our lives more stressful and difficult.,,Global Lending Services LLC,OH,458XX,,Consent provided,Web,2025-02-10,Closed with explanation,Yes,N/A,12020431 | 1 | 0.0% | multiple GLS reps engaged in a lot of finger pointing when we followed up with them to help us update the negative late payment reported on our credit report. Customer service said the collections team could update our report |
| they have made our lives more stressful and difficult.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,OH,458XX,,Consent provided,Web,2025-02-10,Closed with explanation,Yes,N/A,12014936 | 1 | 0.0% | multiple XXXX reps engaged in a lot of finger pointing when we followed up with them to help us update the negative late payment reported on our credit report. Customer service said the collections team could update our report |
| they have me jumping through hoops of fire when it is really simple | 1 | 0.0% | what the representative failed to tell me was that the vehicle took 8 hours to charge. This was a huge negative impact on me being able to drive and make money efficiently with XXXX ; because with a gas vehicle |
| they have misrepresented the nature of the debt and the associated risks to my credit. | 2 | 0.0% | Misleading |
| they have MY phone number and email address where I have requested that all communication be in writing. | 1 | 0.0% | in the newest set of phone calls |
| they have my signature as well as sections on it which have my written initials. My initials are XXXX. and they are written completely different than their delivery receipts which have XXXX written on them. Could they not see this when they decided to provide me these documents as their so called proof? It gets even worse! in one of those documents where the XXXX is written on the document | 1 | 0.0% | copies enclosed for my records. '' Well of course they provided those. I did say I purchased the furniture and I signed the purchase receipt. That is not in contention. It's the other part that really worries me and why I am very close to hiring an attorney to sue XXXX as well as TD Bank. The delivery receipt is dated XX/XX/XXXX. That is two days after I purchased the furniture. However |
| they have never answered my request for copy of contract or proof anything was ever sent to me | 1 | 0.0% | therefore i stopped |
| they have never been able to do so.,,Caliber Home Loans | 1 | 0.0% | but |
| they have NEVER RECEIVED ANY CREDITS from Amazon | 1 | 0.0% | and still nothing shows on the Synchrony statement |
| they have never resolved a problem. | 1 | 0.0% | Synchrony requested a second payment for the month because they decided to change the payment date to a different date in XXXX. As you can see |
| they have never written me back -- -not once. | 1 | 0.0% | sent letters with tracking |
| they have no idea how much it hurts peoples credits | 1 | 0.0% | I went to a dealership called XXXX XXXX XXXX XXXX located in XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. I went to this dealership trying to trade in my car since I really needed a Family car |
