Consumer complaint received 2016-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synchrony Bank/Care Credit ATTN : Fraud Department/XXXX , XXXX XXXX XXXX Care Credit : XXXX To Whom it May Concern This letter is a follow-up to my phone call on XXXX XXXX, XXXX. Your Fraud Representative XXXX was very helpful with my account. Thank you for listening to me when I contacted Synchrony by phone -- for the second time -- and putting my account on hold -- while you investigate this man and his company. I believe that I am a victim of identity theft and or fraud from the organization below. 

XXXX XXXX XXXX, Marketing Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Other Info : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX -- I visited to XXXX -- XXXX XXXX XXXX -- to get information for my daughter about the XXXX XXXX program. When XXXX XXXX XXXX discovered that my daughter was under XXXX, he suggested that I take the program. I told him I could not because I work full time and have to care for XXXX children. He then said that he could make it work for me -- he has ways to make it work. XXXX XXXX asked for my name and address and then wanted my license to " verify '' my name and address. He then filled out some paperwork. He never told me the of the cost -- or that tuition was involved -- and to this day I have never been told the cost of the program. When he gave me my license back he implied that I might qualify for a scholarship/award. 

XXXX/XXXX/XXXX -- XXXX XXXX called me at XXXX, the store I manage on XXXX XXXX XXXX XXXX in XXXX, XXXX and implied that I qualified for a scholarship/award and that XXXX had only one opening left. He insisted on coming into my store to secure my getting into the class. I told XXXX XXXX not to come to my place of employment but he insisted because -- there was only one spot left in the class -- and that time was running out -- and I would not quality for the scholarship if he did not come that day. He arrived at XXXX and spent close to three hours in the store and at which time he requested my drivers license and had me sign one paper to have a chance of getting the award/scholarship and to get into the program. I do not remember giving XXXX XXXX my social security number. XXXX XXXX did not provide me any copies of the paperwork he had me sign. 

XXXX/XXXX/XXXX -- Now I am under the impression that I have qualified for the scholarship/award program for the dental assistant program so I begin to attend classes. XXXX XXXX never disclosed to me that I would have to pay tuition and he never disclosed how much tuition would cost -- or that he taken out credit in my name and without my permission. I continued to attend classes not knowing that he had taken out a Care Credit Card/Synchrony account. 

XXXX/XXXX/XXXX -- I called Care Credit and told the customer service representative that I did not apply for this credit card and did not know how they got my name and I was told by that representative to continue to " make the monthly payments '' and that the problem would be resolved. 

XXXX/XXXX/XXXX -- I called Synchrony and spoke to XXXX in your Fraud Department -- he was very helpful. He confirmed my phone call on XXXX XXXX, XXXX, confirming that I did not open this credit card and noted it on my record. He took all the information and opened a fraud investigation and told me everything was on hold I got further paperwork from Synchrony. 

XXXX/XXXX/XXXX -- I contacted The Attorney General of XXXX -- their office has requested the paperwork that Synchrony Bank and XXXX have from me. I have not been able to get thes

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