Consumer complaint received 2020-07-31
Company: SYNCHRONY FINANCIAL
State: FL
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 or around XX/XX/XXXX, XXXX personell at store XXXX used my personal information including but not limited to my social security number, address and name to obtain credit. There is no documentation that XXXX can provide that gives consent, authorization or approval to open a credit account using my personal information including but not limited to my social security number, address and my name. I neither completed or signed an application authorizing or consenting or otherwise approving querying my credit file or opening a credit account using my personal information including but not limted to my social security number address and name. I did not become aware of it until around XX/XX/XXXX at which time I immediately notified my salesperson. I tried to get in contact with management but they were always out of the store, on vacation or just simply not " in '' that day. We had a XX/XX/XXXX written agreement for that would have made this complaint moot but they have since reneged on their written agreement. As they are not honoring their written agreement, I am, therefore, filing a complaint. 

XXXX had paid the minimum payment on the credit account since its inception. When they reneged on our written agreement, on or around XX/XX/XXXX, I filed a fraud claim with the issuing institution -- XXXX XXXX  -- and followed up with XXXX XXXX  with add'l documentation on XX/XX/XXXX. XXXX closed the account and suspended payments until the investigation is concluded which I am told can take up to 60 days. I have engaged with an attorney to have XXXX honor the written agreement that ultimately would have resolved the issue of the illegal and unauthorized use of my personal information including but not limited to my social security number, address and name, to access my credit file and issue credit. However, that takes more than 60 days and I would like a faster resolution to this illegal violation of the use of my personal information and issuance of illegal and unauthorized credit. 

In addition to fraudently opening and charging merchandise on the aforementioned unauthorized credit account XXXX Exhibit C -- see statement - XXXX ), someone at XXXX store # XXXX also charged merchandise on my company accounts receivable account without my consent or approval and, in fact, signed my name to the sales receipt for that transaction as well -- see exhibit A. Comparing my signature on my Drivers License -- see exhibit B ) and the reciept, it is clear that is NOT my signature. 

Although they have corrected the unauthorized use of my company accounts receivable account, to date, the issue of the fraudently obtained credit using my personal information, including but not limited to, my social security number, address and my name, explained in the previous paragraghs remains unresolved. With these two instances outlined, it is clear that the unauthorized and illegal access and use of customer credit accounts by XXXX personell without customer consent, approval or authorization is modus operandi at XXXX store # XXXX. 

I want to be crystal clear -- I did not consent, authorize or approve to access my credit file and/or open a credit account using my personal information, including but not limited to my social security number, address and/or my name. 

I have filed a fraud claim with XXXX XXXX  and the Florida Department of Agriculture and Consumer Services as well. Please help me bring this to a speedy resolution. 

Thank you.

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