| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your recent PayPal Business Cashback Mastercard credit card application. We regret to inform you that we were unable to approve your application for a PayPal Business Cashback Mastercard credit card account at this time for the following reason ( s ) : Serious delinquency, and public record or collection filed Too few accounts currently paid as agreed Lack of recent installment loan information Our credit decision was based in whole or in part on information obtained from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you.
I Received this email XX/XX/2023 I XXXX XXXX, Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b and My person is protected by Code 801 15 USC 1692. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
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| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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My autopay was removed I found out about it when they blocked my store from receiving XXXX payments so I called into the company on XX/XX/XXXX also in regards to several fees late fees they charged me a XXXX lady advised me she put my autopay back on and removed late fees however she only removed one. Therefore I called again and the fee was not removed I refused to put my account on autpay at this point because I refused to pay for fees regarding a website error now I have racked up almost {$150.00} in fees alone even though I have paid on time I just refuse to pay for fees. Now they are claiming Im late anyways because the payment posted later. I used their website scheduler to schedule my payments days before the due date and if their site processes payments late that is not my problem, This is unethical and not right. I also want to say that this company engages in predatory lending on minorities and then does stuff like this. Its shameful and Im disputing these fees and charges.
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| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have a business card account with PayPal Business Mastercard Credit Card through XXXX XXXX. I have credit limit of {$15000.00} and currently an available credit of {$2600.00}.
Today, XXXX card has been declined across multiple recurring online accounts.
At XXXX XXXX today, I called the company 's customer service and was told " Due to a policy that we can not disclose, you will not be able to use the card until 20 days after the end of the statement close. We advise our customers to not make more than 1 payment every 20 days. '' So, it appears that they are applying a term that I did not agree to on making more than 1 payment within an 8 day period.
After demanding to speak to a manager, I was told, " You can not speak with a manager because the policy can not be overridden. '' Now I have a card that my company relies on that is connected to numerous accounts that is locked down due to a term I did not agree to and a policy that they will " not reveal. ''
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| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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| 12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American |
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