Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Previously, in Complaint # XXXX, XXXX, XXXX, XXXX, and XXXX, I filed the following complaint to stop PayPal Credit, XXXX, XXXX, and XXXX from destroying my reputation using information established in violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) and asked to establish the evidence they claimed to have regarding the alleged account. PayPal Credit ended up resolving the dispute in my favor after violating ( FCBA ) rules from XX/XX/XXXX till XX/XX/XXXX, right after I filed complaint # XXXX. Meanwhile, the three credit bureaus above collected and supplied this inaccurate information to other financial institutions and businesses where I have credit accounts or billable services based on my creditworthiness. In return for the derogatory mark supplied by PayPal Credit and the three credit bureaus above, these businesses and financial institutions took adverse action against me. This destroyed my reputation and affected everyone 's credit utilization on my account as an authorized user. 

Note that the merchant, Walmart, claims the seller was removed from Walmart due to multiple complaints yet refused to refund or replace the merchandise. The disputed amount is above {$50.00} ; payment wasnt made to PayPal Credit for this particular transaction. 


See below and attached documents for details. 
****************************************************************************************************************************************************** On XX/XX/XXXX, Walmart claimed to have delivered an item to my home address. But no delivery was made on that day. I have checked our XXXX and questioned everyone in our home, but there was no delivery trace. I checked my Walmart app to report the situation, but I was advised to wait at least two business days because sometimes couriers mark an item delivered before they do. I waited three days, and nothing happened. Between XX/XX/XXXX and XXXX, XXXX, I called and chatted through the app with Walmart to notify them of the situation and get a resolution. But they kept XXXX  ( excuse my XXXX ). As a result, I reported the incident to Paypal Credit on XX/XX/XXXX. I continued to dispute and contact them on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, Paypal Credit claimed to have received proof that I had received the item and continued to seek Payment. As a result, I closed the account and requested a copy of the evidence they claimed to have so I could pay them ( In case I have lost my mind ). As of today, I am still waiting to receive evidence that supports the PayPal credit claim. But PayPal Credit continued to send me bills with penalties, Interest, and other ridiculous charges. Also, PayPal Credit continued to supply credit bureaus with derogatory remarks on my credit profile. The Fair Credit Billing Act ( FCBA ) requires PayPal Credit to investigate a dispute thoroughly. But they failed to do so and continued to make a decision consistent with a description of discrimination. They also could not establish a factual obligation that requires me to pay them. Remember, the account was closed on XX/XX/XXXX, to the satisfaction of Paypal Credit. 
************************************************************************************************************************************************************************************************** Between XX/XX/XXXX and XX/XX/XXXX, against The Fair Credit Reporting Act, PayPal Credit sought Payment for the entire disputed transaction amount. At the same time, they supplied all XXXX Credit Bureaus with derogatory remarks. Which resulted in stress, uncertainty, fear, other emotional sufferings, and the following financial damages : My credit score dropped by more than XXXX XXXX XXXX XXXX points. Lost a total amount of {$8000.00} in credit line. Forced to pay higher interest rates. Denied credit and lost privilege to billable purchases. Even after Complaint # XXXX closed, PayPal Credit resumed supplying all major Credit Bureaus with a derogatory remark on my profile, inflicting more pain and suffering and disregarding the law. Furthermore, on XX/XX/XXXX, I demanded that PayPal Credit recover the financial damages their inaccurate reporting cost me. But they chose to ignore the seriousness of the situation and create a loop. CFPB, you are responsible for keeping other citizens safe from Federally regulated outlaws like PayPal Credit and ensuring all laws and regulations are followed in their business engagements. In my case, if PayPal Credit refuses to provide the relief sought in the attached letter, I will bring a lawsuit to recover not just the financial suffering PayPal Credit caused but also all the pain and suffering they have inflicted. 
***************************************************************************************************************************************************** XXXX, XXXX, and XXXX refused to update or provide proof of the methods used to verify the accuracy of their reporting on my credit profile for account SYNCB/PPC XXXX XXXX Since XX/XX/XXXX, they have collected inaccurate information on my credit profile and supplied it to financial institutions and other businesses. My repetitive efforts to have this problem resolved ended up being fruitless. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation