Consumer complaint received 2017-10-07
Company: SYNCHRONY FINANCIAL
State: MA
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:
I can not be sure because I am just finding out, I have been sick off and on and my bf helped me pay off ALL my cards when he was forced to sell his small home. 
I told XXXX XXXX Synchrony bank!!! ) do NOT ever open another card for me here again, ever, many months ago maybe over a year ago, I do not remember. ( they sort of trick people! ) I found the msgs I wrote them and now I can not find it due to overwhelming stuff going on here at my home. I was getting all sorts of spam mail thinking it was from XXXX but it was n't because it was sending to another user name I have on my emails and when i clicked /hovered my mouse XXXX time it was NOT XXXX so, long story short, I am thinking my purchases from ( not sure exact dates ) are from my own accounts personal bank so I can keep track and my bf accounts but now I get a call from them ( which due to so many scam and spam phone calls I did not answer, when i did, they just listen, nobody is talking but they are there. 
I have had fraud issues so many times before I still can not recoup from the emotional trauma of it. Now I am paranoid. 
But when my bf paid off this stuff for me this is what has me steaming! The Synchrony bank/XXXX were told never to do this again and they went ahead and they opened a card AGAIN! All along I am thinking I 'm using my own card and it 's being paid automatic, you know monthly auto pay as I set this up to repair my credit but due to illness have n't worked fulltime so this is a true hardship to try and fix all this. 
I finally spoke with someone from synchrony all upset at them only to find out they are n't even in my country. Paranoid? I am about to break down. They told me they are in XXXX! I flipped on this man saying do not ever call me, I am upset enough now I have someone who wants my credit info from another country? 
I am too paranoid to talk to anyone, thinking all my stuff is getting paid even if interest only until I get well and find employment ( at age XXXX! ) due to this mess and others like it that put so many consumers in a debt of XXXX, really and now all that hard work on my XXXX XXXX because of this trickery and deceit how am I going to start all over? I am going to lose my home instead of refinance it because now they reported me to the credit bureau destroying me AGAIN! I hate this bank! Therefore, America is in so much debt! 
I am over XXXX XXXX XXXX, wear trifocals and they are still messing with my life. 
I was so mad telling them do not EVER make me a credit with your bank ever again. 
Now I have a about a XXXX bill! HELP! 
I have a XXXX of XXXX account that I had signed on for past several months that says I owe nothing so please I feel like they are causing me a XXXX XXXX this is so deceiving, it is trickery. This type of deceit must be stopped especially with the senior folks who, with a good conscience try to have good credit. 
If they had to pick up all these tabs to everyone they do this to, then once their pockets started to burn a hole in it, only then would they stop, that 's just what I believe. Its caused me to have so much anxiety especially being the second time. A home, my dear friend 's home was sold to help me end this and now he has nothing and i am back here again? Only ones, Synchrony bank! But if that is n't bad enough now my credit info is in XXXX? what is going on here? 

I am not from XXXX and do not want anything going out of my country, I have been frauded too many times. Nothing personal against any country but seriously this is too much risk for me in addition to deceit now my info is traveling all over the planet. 
They should have to pay for all the deceit, my peon self wo n't make the difference, it should be any time they do this and be ordered to redact the DAMAGE to my credit report the damage they did to all XXXX credit companies. 
They should have to fix it by either pay it themselves or accept XXXX XXXX as payment to principal ONLY until i can figure this mess out. I have no meaningful employment only a job XXXX hour a week and am on gov assistance. I want my credit report fixed please! 
So, the bottom line is all this time I thought things from XXXX was being billed to my bf XXXX bank or mine as we set up auto payment for our bills because we lose track and forget and it wasnt. Thats what ruined my credit. Synchrony bank. If I find my mgs to them on the account telling them never to do this again please tell me where to send it. Unless they removed it because I made such a stink. 
I cant help it, my ranting on because I am so angry and a good customer of XXXX. I order for my children my grandchildren the entire family and the XXXX hour a week job I have is delivering for XXXX!! I deliver all XXXX packages for the XXXX on XXXX and XXXX Holidays! It is Synchrony bank that makes me upset. 
Thank you for reading. 
XXXX

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 monetary relief