Consumer complaint received 2017-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
At the beginning of XX/XX/XXXX, I utilized a credit score feature on my online banking and noticed that my credit score had dropped significantly. I requested my credit reports through XXXX and noticed that there was a delinquent credit card from Synchrony ( XXXX credit card ) reflecting on my credit reports. I have no recollection of applying for this credit card and I was under the impression that this credit card was solely under the name of my ex-boyfriend and that I was not joint on the credit card. Any other credit cards my ex-boyfriend had I was only an authorized signer and not joint so I thought this one was like that as well. I disputed the credit card through XXXX and received notification back on Thursday,  XXXX XXXX and they notified me that it was updated but the credit card was not removed. 

My ex-boyfriend and I had split in XX/XX/XXXX and at that time he had informed me that he was going to file bankruptcy. I requested that any credit cards of his that I may be an authorized signer he remove my name from. He then proceeded to contact all of the credit card companies to remove my name. He had contacted Synchrony in XX/XX/XXXXand he was told by a representative that I was not on the credit card. 
When I noticed that it was on my credit report, my ex-boyfriend contacted Synchrony once again on Friday XXXX XXXX and they informed him that I was in fact on the credit card as a joint. He had requested they provide documentation proving that I gave my authorization to be a joint on the credit card and they refused to provide it to him. 

I then sent in a secure message to Synchrony on that same Friday introducing myself and explaining my situation. I requested proof that I gave my authorization to be joint on the credit card and they responded back on XXXX XXXX with no documentation. I sent another message that day again requesting proof and they responded on XXXX XXXX with an attached periodic statement forXX/XX/XXXXwith my name on it but still no proof that I made a request for or authorized for this extension of credit. 

I am really trying to resolve this issue as it has been reporting delinquent for XXXX, XXXX, and now XXXX and has had a significant negative impact on my credit score and will continue to impact my credit negatively until this is resolved. Given this  impact, my decision to only be an authorized signer on his credit cards, Synchronys confirmation inXX/XX/XXXXto my ex-boyfriend, and the absence of any other negative reporting I am confident that this is an error on Synchronys part. However, I am willing to accept documentation that shows that I indeed requested this extension of credit, which I have not received despite four attempts I have already made.

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