Consumer complaint received 2018-07-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had recently filed a complaint regarding the fraudulent card, but the dispute was denied for the following reasons, someone opened an account XX/XX/XXXX, with my " approved '' name, verified address, telephone number, email address and other personal information. After I explained the person who did my taxes had not only stolen my identity but others she had done taxes for as well. In other words, she had all of our information listed above and more personal information such as social security number and bank account information to have my money deposited into. As I mentioned before, this went into an account I hardly use. The purpose was to have my tax money there for a total of 5 years to help with my down payment of home. In which I discussed this with her as well. So it was pointless to check this account. I knew the amount of my taxes that would go into the account. And that was the only thing going into that account, which was only tax money. Then you think, why didn't you all press charges. Well once we all figured out what was going on, that person who did our taxes was moving from state to state. She would go from atlanta, to virgina, back to different cities in North Carolina. And in order to press charges you would have to find the person first. But I guess people do not believe these things happen.I even attached the documents from the IRS regarding identity theft, and how this person continued to file taxes using my personal information. Leaving me stuck to pay penalties etc. So I am stuck with paying off the balance. In which I sucked it up and started to pay, because I have no other choice unless I want my credit to be ruined. So now I am making these payments, but the balance is steady increasing due to interest. One day my balance is {$2100.00} then the next is XXXX, and I'll make a payment and then the balance grows some more so it looks as if I have not paid anything. It's ridiculous. Then it states on XX/XX/2017 I called and verified items that were mine and were not mine. If this person had ALL of my information. Guess what she was the one who verified, not me. This person even went and had a XXXX XXXX place account in my name all the way in Georgia. A whole different state. In which I caught the upmost trouble trying to resolve. Why because she made two months worth of payments using a credit card and later discovered the card was canceled. Why? Because it was stolen. This has been on frustrating experience with XXXX. First making them aware I was not the card purchaser, second sending them all the information regarding the identity theft, third being stuck paying the balance, and now the interest feeling as if I am getting anywhere due to this high interest. It's impossible for the balance to decrease even though I am making payments because I have to.I never even physically received this card. I only know the account number from the previous complaint and calling in complaining.

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