Consumer complaint received 2019-12-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, I am writing to inform you of missed information that was reported to my credit file with synchrony bank/PayPal, the company states that I had a credit card from them and exceeded/ went over my credit limit, which is not to be true. I do know that I had a Bill Me Later account with PayPal back in XX/XX/XXXX- XX/XX/XXXX which was with XXXX  XXXX, I closed my Bill Me Later account with XXXX  back once I found out that they were being brought out though synchrony bank!!! Along with dealing with Identity theft on the Bill Me Later account. On XX/XX/ I received a notification stating that I spent over my available credit, I admittedly logged onto my credit report to see whats going on due to me know that I have never had a PayPal credit card, so I proceeded to due more further investigation and found it it was Paypal on behalf of Syn/bank and spoke with an extremely rude rep and gave my name but not my SS # only my phone number she became to tell me whats going on I stated to Rep to close that Bill Me Later account now because I have never had a PayPal credit card, that was XX/XX/XXXX. I them learned that Pay pal along with synchrony bank did a sell of a persons information on me meaning they shared my information meaning SS # based off an open account I have with synchrony bank/Gap and Walmart at the time. I then call back in XX/XX/ and spoke with a Rep in Corporate of synchrony bank/ppl name XXXX he stated to me that I do not have a credit card with them at all and never had one, nor am account, once my information was sold to synchrony bank thats when an account number was generated and with it having an account number it looks as if I had a credit card. XXXX go into it more stating its not a department store credit card its a digital account and it should not be on my credit report and he was unable to send me any paper work with that being documented!!! But what he can do it send me my Bill Me Later statements and I should be able to send to credit companies. He also stated that when my Bill Me Later account with XXXX  an employee/ Rep failed to do there job and closing my account so it would not be apart of synchrony bank. However, once I noticed what was going on the company itself keep giving me a run around and will not give me information that they are reporting so I can be able to dispute and word my concerns the write way. This company and there staff are extremely unprofessional and rude. Also XXXX stayed to me he doesnt even see any information that went out to me via email or postal mail and along with that having an incorrect mailing address for me. I did give him my updated correct mailing information. I am just displaced with all the game synchrony bank play, I hear they are doing this to tone on consumers with many complaints. The account needs to be removed its all inaccurate information. How is it that its so easy for a company to place whatever they feel as though it a certain consumer and just place anything on there credit report, but soon and consumer want to dispute and ask questions yall make it so hard and difficult to get things resolved in a timely manner as if we where a company

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