Consumer complaint received 2017-08-08
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony Bank DBA Walmart Credit Services opened a fraudulent account under my name twice this year. When I called to tell them the second time, I spent over an hour on the phone and escalated three times to get the card ( that had already been mailed out ) canceled immediately. I was told there would be an investigation that would take up to 60 days and I would get a notice in the mail in 30 days that the account was closed. I told them to delete me from their entire database since they are complicit in opening these fraudulent accounts ( their own internal " processes '' failed which included leaving me a message that I needed to call back within three days to open the account ; I did not call back yet the account was opened anyway and the card was mailed out. INSTEAD OF CANCELING THE CARD AND REPORTING THE CARD AS FRAUD, SYNCHRONY BANK REPORTED THE CARD AS LOST/STOLEN TO THE CREDIT BUREAUS AND ALSOREPORTED A NEGATIVE ACTIVITY WHICH COULD ADVERSELY IMPACT MY CREDIT SCORE!!!!!!! This is twice this year the same bank has fraudulently opened an account under my name and I have no recourse. I ca n't even get it closed/canceled and reported as fraud to the credit bureaus. When I called again today to demand that they fix the false credit reporting and they reverse the negative activity. I escalated to the highest person who was named XXXX who said he was the floor manager and he was the highest person available. XXXX told me that the company could only send credit bureau updates every thirty days and the last statement closed XX/XX/XXXX. This is a lie because the credit reports they filed on my credit account with bureaus was published XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So I can not believe they are not able to restore my credit more efficiently than waiting for a thirty day ficticious billing cycle ( since I never opened an account with Walmart there can be no " billing cycle. '' ) Given the urgency and victimization of this identify theft situation, I can not wait for them to passively send an update in thirty days and meanwhile my credit is negatively affected. This is absolutely fraud and they are complicit in fraudulently opening accounts twice this year under my name so they need to be held accountable. I WANT MY CREDIT RESTORED AND MY NAME PERMANENTLY REMOVED/DELETED FROM ALL SYNCHRONY BANK DATABASES SO THIS WILL NOT HAPPEN TO ME AGAIN. I OWN MY OWN DATA AND DEMAND THEY DO NOT USE MY PRIVATE/PERSONAL CREDIT INFORMATION ANYMORE. I have now spent hours on the phone with their toll free number, put on hold for long periods when I demand to talk to a supervisor who can actually do the right thing instead of read me company talking points. I NEED MY CREDIT REPORT RESTORED, ALL SYNCHRONY ACCOUNTS IMMEDIATELY CANCELED UNDER MY NAME, AND MY SOCIAL SECURITY/CREDIT FILE PERMANENTLY REMOVED FROM ALL SYNCHRONY DATABASES. I HEREBY DENY THEM PERMISSION TO EVER USE MY CREDIT INFORMATION IN ANY WAY AT ALL.

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