Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made two telephone calls to the company, two on-line inquires, and I have recently filed a complaint with the XXXX XXXX XXXX. I did not authorize the account which this company is sending me bills for ; below is a copy of the information sent to the business : XX/XX/2019 Synchrony Bank XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Synchrony Bank : This letter is to complain about service I recently received from a Synchrony Bank customer service representative. I called Synchrony Bank in XX/XX/2019 as I began receiving notices for an unpaid account which I did not authorize or establish ; Account Number : XXXX XXXX XXXX XXXX. 
I was notified by your company on regarding an alleged debt for the above referenced account number. I have reason to believe I do not owe this debt because I have never established or authorized the account to be created. I am unfamiliar with the terms/conditions of this debt nor did I approve, authorize, sign or receive any information about this debt or the type of debt. I am unsure if this is a credit card or a loan? 
When I first inquired about this debt I was transferred to several individuals. I finally spoke to summon in the legal department with Synchrony Bank ; so I was told. I advised the individual that I had inquired about rates and information on loans with numerous vendors but did not sign or see any agreement for Synchrony Bank. The representative told me that the loan was taken out my XXXX technician and that if I wanted to see terms and conditions of the account I should contact my XXXX repair person. Needless to say, I was quite frustrated. I expected a much higher level of service from Synchrony Bank as I have other credit accounts that are administered through your institution. 

I can not blindly throw money away towards an account/debt which I have no basic understanding or knowledge of. I know nothing of the debt, why the debt exists or who authorized the debt to be established. I was told by the customer service representative that when I provide my social security number on loan applications I am automatically agreeing to loans and dont need paperwork or account disclosure/agreement. I vehemently disagree. 

I request all of the following information be provided to me by mail regarding the disputed Account Number : XXXX XXXX XXXX XXXX : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Copy of credit application authorizing this debt to be established ; 4. Copy of agreement as well as terms and conditions ; 5. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 6. Documentation showing you are licensed to collect debts in the state of Minnesota. 
I ask that you cease attempting to collect this alleged debt until after you have provided the requested information. I will lodging a complaint with the XXXX XXXX XXXX in the interim since my telephone contact has not resulted in any resolution or clarification. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX E-mail : XXXX 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