Consumer complaint received 2015-05-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Application processing delay

Complaint:
went online and applied for a BP Credit Card and when I got to the end of the credit card application I received an immediate response stating " In order to complete your application you must call XXXX within XXXX hours to complete your application. '' If we do not hear from you within 7 to 10 days then you will receive a letter from us. I called and it about XXXX Est standard time and a female representative came to the phone and said that my application would have to be done manually so she takes all my information including me disclosing my social, birthdate, address, income and then gets to the very end she comes back and says that she is going to have to transfer me to another department and I asked her what the problem was and she says that she can not disclose that information to me due to the privacy act. So I get transferred and another female rep comes to the phone and says that she can assist me and explains that they are having trouble with their computers, so here we go again and she takes my information XXXX again and I ahve to disclose all my personal inforamtion and when she gets to the bottom of the app she says I am going to ahve to transfer you to a specialty department and I ask her what the problem is and she states to protect the privacy of the applicant, she can not disclose that information and I have to be transferred to a specialty department so someone can speak to me to disclose what the problem is. XXXX I had to disclose my personal information and now they just accused me of stealing my own identity. I told her I wanted her name so that I could get to the bottom of the matter or either she could disclose to me what the problem is and she continues to apologize but due to the nature fo the call she has to transfer me to a specialty department if I want the information disclosed. I finally ask her once more she has a choice and basically refuses to give me her name and tells me that due to the nature of the call that there is a possibility, I am not who I say I am and I would need to speak with the specialty department so further action and attempt of verification could be dealt with. I have never been accused of such in all my life and I told her so and I also told her to cancel the application so it would not be recorded on my credit bureau report. Well they recorded it anyway to my credit Bureau report but that is not an issue but I feel that I should not be treated like a criminal. I still do not understand what all the big deal is and I am embarrased to know that I was basically accused of stealing my own identity. I should not ahve had to go thru the process all over and she should not have told me that could take of it until I was in the correct department and she would not offer to even get her supervisor on the phone which she kept me tied up for 1 1/2 hours. The reference # was XXXX I think this issue needs to be addressed so other good creditors do n't get treated like I did. They should have to pay me XXXX for my humiliation and phone time. This is not the XXXX time that I have went thru this with them but it will be the last.

Company response to consumer: Closed with explanation