Consumer complaint received 2021-12-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX CRIMINAL ENFORCEMENT This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found out your company used and authorize others to use my social security number for the purpose to obtain credit without my authorization. SYNCHRONY BANK/TJX COS failed to provide me with a copy of any express written authorization of OPT OUT NOTICE pursuant to 15 USC 6802, whereby SYNCHRONY BANK/TJX COS was authorized to disclose/divulge/share my social security number a/k/a credit card with any third party in any manner, as well as by means of communication, any information, documentation, data, property and the like in reference to me. SYNCHRONY BANK/TJX COS failure in providing authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitutes SYNCHRONY BANK/TJX COS are in violation of including not limited to XXXX  XXXX XXXX XXXX. SYNCHRONY BANK/TJX COS possess neither express written authorization OPT OUT NOTICE pursuant to XXXX5 USC 6802, nor consent from me for using/ revealing /disclosing/divulging/sharing with any third party my social security number ( customer information of a financial institution ). Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. I attached a IDENTITY THEFT AFFIDAVIT, FTC COMPLAINT, POLICE REPORT, DRIVER LICENSE AND SOCIAL SECURITY Please send me copies of the documents that you have in your files as of this date that you used to authorize your company to use and/or transfer my social security number to third parties. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used for authorization. If you do not have any documentation in your files that authorizes you to use or transfer my social security number then please delete the account immediately for fraudulent activity as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the unauthorized use of my social security number on my credit report and distributing my social security number 3rd parties you are invading my privacy, damaging my reputation and credit worthiness. SYNCHRONY BANK/TJX COS knowingly and intentionally violated or knowingly and intentionally attempts to violate 15 USC 6821- PRIVACY PROTECTION for customers information by false pretenses. SYNCHRONY BANK/TJX COS disclosed to " Internal Revenue Service '' and " Credit Reporting Agency '' my social security number ( customer information of financial institution ) by making a fictitious statement by not providing the OPT OUT NOTICE to me and [ XXXX XXXX is criminally liable for a fine not more than {$5000.00} or imprisonment not than five year or both pursuant to 15 USC 6823 . TRUTH IN LENDING CRIMINAL ENFORCEMENT I entered a consumer credit transaction on or about XX/XX/2013. The deceptive consumer credit contract from XXXXYNCHRONY BANK/TJX COS in regards to this unverified alleged debt contains fraudulent statements like " borrower '' " lender '' and " loan. The above referenced alleged debt has been derived from fraud. Meaningful disclosure was not given at the time the consumer credit contract was signed which prevented me from making an informed use of credit pursuant to 15 USC 1601 ( a ). SYNCHRONY BANK/TJX COS failed to provide meaningful disclosure on the false, deceptive and misleading consumer credit contract because SYNCHRONY BANK/TJX COS did not disclose to me that I was the creditor as defined under 15 USC 1602 ( g ) ( 2 ). I was the card issuer meaning : I issued my social security number a/k/a credit card as defined under 15 USC 1602 ( l ) to SYNCHRONY BANK/TJX COS ] ( card holder ) . SYNCHRONY BANK/TJX COS ] ( card holder ) accepted credit card ( social security number ) which SYNCHRONY BANK/TJX COS ( card holder ) has used or authorized others to use for the purpose of obtaining credit. SYNCHRONY BANK/TJX COS such as by commission, omission and otherwise : ( a ) Failed to disclose meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit pursuant to 15 USC 1601 ( a ), SYNCHRONY BANK/TJX COS willfully and knowingly violated the Truth in Lending Act provision 15 USC 1601 ( a ), 1638 ( a ) ( 1 ), 1638 ( a ) ( 2 ), 1638 ( a ) ( 3 ), 1638 ( a ) ( 4 ), 1638 ( a ) ( 5 ), and 1638 ( a ) ( 6 ) and [ XXXX XXXX  ] is criminally liable for a fine not more than {$5000.00} or imprisonment not more than one year or both pursuant to 15 USC 1611 ( 1 ) & ( 3 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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