Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Upon returning for XXXX in XX/XX/XXXX, I begin to look for apartments around XXXX XXXX. As the leasing process begun with XXXX XXXX XXXX, I was notified that I had delinquencies on my credit report. After further investigation it became apparent that my personal information and credit had been unlawfully used without my consent. There were multiple accounts directly opened fraudulently equating around the amount of {$40000.00} USD for XXXX XXXX monetary gain. Since then, with the help of my Legal Advisor, Ive reached out to all 3 credit bureaus through certified mail along with the FTC report submitted in XXXX with hopes to combat these false accusations in order to clear my name and credit. Some of my attempts were successful as the bureaus mutually accepted my fraud claims and removed the existence of said credit accounts. Unfortunately, the more significant amounts did not receive the same fate since Im still being held accountable for them. Synchrony Bank ( also known as Care Credit ) was one of many credit lines that Ive tried resolving this fraud issue with. Since XXXX, Ive called and submitted multiple fraud claims with the company in which all including the recent one in XXXX of XXXX were denied. During their multiple fraud processes, Ive faxed them numerous of documents showing my whereabouts identifying that I was on XXXX during the opening of this account and when it was used for XXXX XXXX XXXX and XXXX XXXX. However, my requests for the Validation Notices, Itemization of amounts, and the original signed application were denied because I was unable to pass their test when asked about the account for identification purposes. That is to be expected since I did not open or authorize anyone to open this account nor the other numerous accounts. I was denied every time that Ive requested to escalate the claim to a higher individual in the company. As a XXXX veteran with various XXXX, the countless harassments of threats Ive received from this company has affected not only my personal life but also my workspace as well. This company has starting to send multiple letters to my parents residence including numerous called sent to my mothers phone. The recent letter Ive received from the company stated that I was denied because of the following : Care Credit Account XXXX : XXXX 1. The account has been opened for more than 12 months with statements sent to you. This information is inaccurate because I been fighting this fraud claim since the moment, I was aware of its existences. Records will show that Ive reached out to this company from XXXX to present day. 
2. Payments have been made by you on this account. None of my accounts have paid any bills associated to this company. The Company has never had any of my banking information. 
3. You authorized, participated in, or benefited from the purchase. This information is inaccurate because this account was never approved nor received my consent. Ive never used this account for personal gain. Ive never been a patient at said company. 
Please Advise and thank you as Im requesting to be relieved of this debt.

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 non-monetary relief