Consumer complaint received 2022-12-31
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reserve all rights and relinquish none. 

I do not give Synchrony Bank or any entity associated with Synchrony bank permission to use my inofrmation both past and future. With this statement I give notice to Synchrony Bank it is strictly forbidden to take any other action against me based on confidential information. The violation of privacy can be punished by law ( XXXX XXXX XXXX, and the XXXX XXXX XXXX Synchrony Bank XXXX a public entity. 

I, affiant am filing a formal complaint against XXXX as follows ; XXXX  XXXXSYNCRONY BANK issued a credit card with the promise of security. XXXX months later the credit card was declined with no explanation. XXXX was not given a full and honest disclosure. When affiant called to ask why the declined card, the answer was the card security had been breached. XXXX was asked by the representative to provide proof of identity to continue to use the card. XXXX weeks later the card was declined again without full disclosure and again affiant was asked by the company to confirm identity a second time. There was no full and honest disclosure as to what security breach had compromised the security of the card. The consumer requested the account be closed, then in an XXXX  dated XXXX titled to an unknown addressee stating the account had been closed, with a remaining balance over {$200.00}. Since that time Synchrony has dropped all charges on that account. Note : the name on the closed account did not match the name on the XXXX number associated with the account, or the name on the card itself. Synchrony Bank created a false identity and used the account to harass affiant. Then dropped all charges when confronted about the matter. 

CARE CREDIT/SYNCHRONY BANK XXXX XX/XX/XXXX Syncrony Bank XXXX XXXX for XXXX  XXXX  in conjunction with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX limit was approved for {$1100.00} account number ending XXXX. In XX/XX/XXXX the account was paid off in a timely manner by affiant. In XX/XX/XXXX affiant was informed by dental office, that the care credit account was closed without notice, who further harassed affiant about charges that had already been paid off. After further requests, the dental office agreed that the account was paid in full and a credit balance was available for services. XXXX did not recieve notice, however began recieving e-statements from Care credit in different amounts, with a different account number. During which time further charges from the dental office were declined by Care Credit. XXXX asked about the charges and contested the new {$400.00} bill, and Synchrony dropped {$300.00} from the disputed charges without hesitation. Synchrony insists on asking for payment on the fraudulent account and stated to affiant the credit limit is now much lower than the previous card issued. Syncrony sends e-statements in the following amounts, {$110.00}, {$170.00}, {$71.00}, and asked for payment in the amount of {$17.00}. Syncrony opened XXXX fraud accounts ending, XXXX, and XXXX. XXXX believes the accounts were created as a means to take action against affiant without thier knowledge or affiant 's consent. Then Syncrony conceals information creating discord and distrust from dental office towards affiant.

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