Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/21 I shopped in Marshalls ( address : XXXX XXXX XXXX XXXX  MD XXXX ), and when we got to the cashier to pay for my items she asked me if I wanted to apply for marshalls store reward card. Since I was not residing in the USA for a while and im in the process of returnin and settling down in the states, and since the cashier never mentioned it is a credit card Ive agreed to the shop card and never even imagined what she is signing me for is a credit card. After giving the cashier my details, she handed me the receipt envelope and said that I will get the decision for approval or denial for my new credit card by mail, I was shocked as it was the very first time she used the word " credit card '', I asked her to stop right there and asked her what does she mean by credit card approve/ denay and asked her if it wasn't a store membership card she signed me for as she never mentions it is a credit card she is signing me for. her reply to me was that yes it is a CC, and not to worry cause im going to love it just like all her customers, I said to her that I dont want any credit card I just wanted the normal/ usual shop card, but she claimed it was too late cause she already sent the application, and again not too worry as her costumer just saved {$800.00} and etc. I was shaking on my way back to the car, and immidiatly began phoning tjx rewards CC customer service, but it was too late as the representative said that the application ( which I was never told XXXX signing for ) was denied and there is nothing she can do to help me. A couple hours later, I phoned the XXXX of XXXX ( same location ), she said she is sorry as there is nothing she can do besides talk to her employees and make sure that in the future they will mention to their consumers that the card they offer is credit card and she also suggested to call XXXX  and/or XXXX  and ask to dispute the cc inquiry. so, I called XXXX XXXX XXXX told them what happened and they instructed me to phone thx a credit card to ask them for a dispute letter and have them send it to them so they can remove it from my records. so, i called tjx cc and the answer I got was that they submitted my request and they will mail me their approval/ denial decision in XXXX days. I was shocked, why they need to decide if to approve or deny the credit card request dispute, I am the one that misleads and im the XXXX needed to pay the price of their employee 's misleading and unworthy behavior. The fact is that im XXXX yo, and ive been working very hard many years to save money and build my life on the right path. Ive been working hards on complying with the credit system and been dedicated to sustain and raise my XXXX XXXX. Ive been saving money for a long time and also minimized expenses as I want to buy my very first home. For me, XXXX credit points are important points, and losing XXXX points on my credit reports due to a careless and misleading sale is devastating. I hope you could help me by disputing the false XXXX Credit Card request and help me gain back my XXXX credit points/ score. I would greatly appreciate your assistance in this matter and wish to have my justice. Thank you very much, 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 non-monetary relief