Consumer complaint received 2022-07-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Beginning in XX/XX/XXXX, and after numerous attempts to inquire about a duplicate Care Credit Card I filed a report with this office in XX/XX/XXXX Synchrony Bank and Care Credit accepted responsibility for what I now know was cloned Care Credit Card account found on my computer at the hands of my abusive ( with restraining order ) ex-husband ; XXXX XXXX of XXXX, CT ( I live in NC ). This cloned card was used to reroute my automatic Care Credit payments to XXXX XXXX XXXX XXXX, CT to fulfill my {$650.00} balance. The card was in my name only with one purchase for XXXX  XXXX. I had no way of knowing there was another card until I found a webpage on my computer after his removal with my account number for my individual XXXX ( XXXX, VA XXXX Credit union savings and checking account. According to the secret service duty agent I visited in XXXX, XXXX, paying off credit cards was a common laundering scheme. I requested records to learn where my funds were sent and received redacted records of a XXXX card- that I never owned. Synchrony simply stated in the CFPB response, " we don't know where the funds were sent. '' Is that how they cover their failure to protect my account. The background is important because Synchrony was well aware my Care Credit card was cloned as they reimbursed me funds I paid toward the assumed balance when there was no balance. 

Beginning in XX/XX/XXXX, I contact XXXX XXXX XXXX which finalized their merger with Langely in XX/XX/XXXX to ask what are the " XXXX XXXX '' on my statement in XX/XX/XXXX totaled {$15000.00}? '' The teller shared, " are you the only name on the account? '' I said, " yes, since it was opened in XX/XX/XXXX. '' She said it means XXXX XXXX, someone can access your account if they deposited into your account. I again went through XXXX XXXX Bank records and saw XXXX XXXX made a deposit to my account without authorization or my knowledge he had the account information from XXXX, XXXX From XXXX to date, I have contacted over XXXX people seeking assistance, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US attorney generals in CT and VA XXXX and XXXX XXXX XXXX Not to mention all the local, state, and federal law agencies I wrote to concerning crime. The teller told me a XXXX account was used to conduct the unauthorized XXXX money transfer. The criminal knew about XXXX before the FBI and secret service. You must engage the victims of domestic abuse which includes financial abuse. It must be viewed holistically, beyond any XXXX single app, such as the XXXX in the most recent NY XXXX article. Synchrony Bank and XXXX both agreed to alert consumers if unusual transfers or an additional XXXX card is issued and that is just a big XXXX lazy world lie to avoid punishment. I wrote to the XXXX and they said, we investigated, and see no problem since your funds went to a XXXX account. I opened a XXXX credit account in XXXX and they should not have allowed another card to complete this highly unusual and outrageously suspicious transaction according to their contract : As copied from their Synchrony XXXX consumer contract. 
" To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. '' My XXXX Synchrony bankXXXX  card ends in XXXX. I want the records of the account number and transaction for Care Credit and 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 explanation