Consumer complaint received 2024-01-01
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Here is a copy of the letter I sent to the three major credit reporting agencies as well as a copy to Synchrony Bank : Dear Sirs/Madams : I am writing to contest the erroneous and intentionally wrong information supplied to you by Synchrony Bank . For the record, I NEVER applied for a Fleet Farm Visa Card issued by Synchrony. I did apply for the Fleet Farm in house credit card. 
On Saturday, XX/XX/2023, I approach the service desk and the XXXX, WI, Fleet Farm store and asked if I applied for, and was approved for, Fleet Farms in house credit card, could I use it immediately to take advantage of some XXXX sales. I was advised that I could. I stated specifically that I did not want the bank card version, only the in house card. During the application process, the Fleet Farm associate taking my application said a pop up on her screen indicated that I should call Synchrony, which I did. A Synchrony representative said she would complete my application over the phone. I stated that was fine and again very specifically, with absolutely no ambiguity, stated I did not want the bank card version, only the in house card. After taking my information I was told I was approved with a {$6000.00} limit. I again asked if I could use the card immediately and was told, yes. I should ask the personal at the Fleet Farm customer service desk to print a temporary card. When requesting such a card from the service desk, two employees laughed and said thats not possible. They said Synchrony would have to supply the number. The laughter was because the very same thing had happened the day before. I called back Synchrony and was told I would have to wait 7 to 10 business days to get my card and Visa regulations prohibited giving out account numbers over the phone. When I protested that I didnt have a Visa card I was told, Yes you do. When I asked why my specified request for an in house only credit card was ignored, I was told because my credit was so good we issued the bank card! I then asked why I wasnt informed of this during the application process so I could have terminated the process immediately I was told that wasnt Synchronys policy. I was so incensed at Synchronys arrogance that I immediately canceled the card that technically I never applied for. Synchrony unscrupulously issued a card that I NEVER wanted nor knowingly applied for. Furthermore, Synchrony interfered with some last minute XXXX shopping with an in house Fleet Farm credit card which would have allowed me to take advantage of some corporate promotions. Even if I had waited for the bank card, I couldnt have taken advantage of Fleet Farms XXXX sales. This cost Feet Farm in the neighborhood of {$600.00} - {$700.00} in sales ; a fact that I let Fleet Farms corporate offices know. 
Today ( XX/XX/2023 ) I received a letter from Synchrony informing me that since the information I supplied during my application for a Visa Card matches the credit bureaus, they are unable to pull the credit request from my file. This is more of Synchrony continuing with their unethical behavior. Ive had several calls with Synchrony detailing my situation and by now they know I never requested a bank card. Since all calls are recorded for accuracy, my statements would be easy to verify if one cared to know the truth. As an aside, one reason I dont want another bank card is I already have a half dozen or so and from the largest banks in the world among them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I do not need, nor want, another bank card! 
I am writing this letter to be included in my permanent file. Im also considering pursuing other avenues of redress. Certainly Congress with its respective House and Senate Banking committees should be made aware of Synchronys unscrupulous tactics. Increased oversight is definitely necessary. 
Sincerely, .....

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