Consumer complaint received 2019-07-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX19 : Received suspicious letter from PayPal Credit / Synchrony Bank to call XXXX " to verfy recent activity processed on your acct. ending w/ **** ", ( which I do not own, nor applied for ) ; so I don't technically know if it's technically a physical credit CARD, or a " Digital-wallet '' credit acct. that the letter is referring to!!! 
XXXXXXXX19 : I called the XXXX # on the letter. I was asked for personal info & Soc.Sec. #, & BirthDate. When I refused, ( suspecting a scam ), Rep. told me to call their " Fraud Dept. '' at XXXX when I am ready to give my Soc.Sec. # in order to close the acct. if it is not mine. When I XXXX Searched those 2 phone # 's & the return address, I found many websites saying it's a scam/phishing scheme, and that scammers also created SPOOFED versions of PayPal Credit and Synchrony Bank websites to fool anyone who tries to find the REAL phone # or address & tries to contact the REAL PayPal Credit or REAL Synchrony Bank, in an effort to close the fraudulent acct. 
XXXX19 : I obtained Credit Reports from XXXX & XXXX. XXXX did indeed list a [ fraudulent ] SyncB/PayPal acct. # XXXX opened on XXXX19 in my name, using a fraudulent address ; as well as a " Regular Inquiry '' by " PayPal via SyncBPayPal '' that same day XXXX19 ; ( that " [ Regular ] Inquiry Analysis '' also included my " Supplemental Public Records & Residential Info. '' & " Supplemental Consumer Credit Info. '' ) That fraudulent address is now listed as one of my " Addresses Reported '' as " Date Reported : XXXXXXXX19 ''. My XXXX  Report shows that fraudulent address, too, as being me ; but with " Notices '' [ flagging it as questionable ] saying : " This address has pertained to a Business : XXXX XXXX XXXX XXXX, CA " & " Transportation Service : XXXX XXXX XXXX XXXX, CA ''. 
XXXX, in the meantime, is displaying 2 " Paid & Closed '' JCPenneys Credit Card accts. ( that, unbeknownst to me until now, also are / were managed by Synchrony bank ). I closed those 2 Credit cards 26 & 16 years ago!!! Is that normal, for them to still be displayed on one of my Credit Bureau Reports? ( XXXX also shows a " Hard Inquiry '' from a credit grantor that I did not apply to, but I can not tell if the parent company of that Inquirer is Synchrony Bank, or not. ) The Reporting Bureaus placed an initial Fraud Alert on my files BUT : I can not trust any phone # or address found for PayPal Credit nor Synchrony Bank, ( not even the 2 different addresses / phone # 's attached to the " Opened Acct '' & " Inquiry '' on the XXXX Report ) IN ORDER FOR ME TO CONTACT Synchrony Bank DIRECTLY, in order to CLOSE this fraudulent Credit acct. 
That is why I need the CFPB to contact & communicate with Synchrony Bank on my behalf, and close the fraudulent PayPal Credit acct. as well as the other " fair resolutions to this issue '', that I will specify in the next CFPB complaint box.

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