Consumer complaint received 2021-03-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Firstly, I don't have an account with you, but I have logged complaints with you, one that dealt with this credit card account. If a CFPB account was opened, it belongs to the fraudulent party. 

My issue is with a XXXX-turned-MC  account, which was first issued by GECRB, then switched to Synchrony Bank, then was sold to XXXX XXXXXXXX. If my account was sold to XXXX XXXX, then why is Synchrony Bank suing me for it? Perhaps, this is why the statement copies don't match mine. I've requested them twice to verify they have the correct account, but they've sent me the same statements each time and they're not exact copies. And the last statement " copies '' didn't even show Walmart 's MC logo or little icons. They redacted other things, like most of my account number and address, so they could've redacted Walmart 's signifiers, instead of erasing them entirely. 

Also, there were two customer service phone numbers on the last statements : XXXX and XXXX. The former has been on my statements since the beginning, when my card was still a XXXX. 

I originally tried to handle this through your site, then was contacted by XXXX XXXX from Synchrony Bank, but someone disputed my credit file through the CFPB and was able to get some accounts -- legitimate accounts -- deleted. For my Walmart Disc/MC, it was replaced by XXXX XXXX XXXX -- the company who bought my account from Synchrony ( not XXXX XXXXXXXX? ) -- but my entire 5-year payment history, from XXXX, was erased. I made most of those payments in-store, for which I still have receipts. 

Lastly, I found, some time back, Walmart 's online grocery checkout system on my computer. I'm assuming it was an app, but I've never downloaded apps. In fact, I just recently filed a complaint with the FTC about someone downloading apps illegally on my laptop. 

Synchrony Bank won't respond to my calls regarding my account. If they tried to send correspondence through the mail, my mail was diverted by some stranger before XXXX 2020. I filed a police report, but the police aren't actively investigating my case. 

Synchrony, though, has said that they will only go through the portal, but I've stated that I wouldn't come here after someone was allowed to dispute my credit file with XXXX without having to give them my PIN to release the security freeze. So, they've ignored me and my calls, but I have addressed these issues with the rep from the law firm they're using -- XXXX, XXXX, XXXX XXXX XXXX in XXXX, Tennessee. I gave her my DOB and partial SSN for her to research. She said she would send me the statement copies I've requested or dismiss the case if she couldn't find my account. 

That doesn't help my credit file. I want my 5-year payment history back where it belongs, along with my original account info. It was opened as a XXXX card ending in XXXX, but I received XXXX ( last digit changed ). There have been other odd things about this account, but I'm not going to belabor those issues here. 

I do think it's odd that they would remove the Disc/MC from my credit file. Just because XXXX bought it doesn't mean Synchrony Bank has the right to remove their info from my credit file. It's ludicrous. I don't understand how they can be granted that level of reach in a consumer 's file.

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