Consumer complaint received 2023-04-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank through its XXXX ( Chevron and Texaco ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, Synchrony Bank charged off the amounts and sold the debt to XXXX XXXX XXXX, XXXX who claims that I owe them {$13000.00}. I received first written correspondence from XXXX XXXX XXXX in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address Synchrony Bank used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XX/XX/XXXX I contacted Synchrony Bank directly and opened a fraud complaint. I received a Synchrony Bank fraud investigation form and faxed the completed form back to Synchrony Bank on XX/XX/XXXX. Now I am waiting for Synchrony Bank Fraud Solutions Team to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with Chevron, Texaco, XXXX and Synchrony Bank. Moreover, I never submitted any applications for credit with XXXX, XXXX, www.TechnoAdvantageCard.com and/or Synchrony Bank XXXX Furthermore, I have never received any communications from Chevron, Texaco, XXXX and/or Synchrony Bank XXXX XXXX have any credit approvals or debt outstanding. I have not received any physical credit cards from Chevron, Texaco, XXXX and/or Synchrony Bank XXXX XXXX I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at Synchrony Bank since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX. 
On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against Synchrony Bank and XXXX XXXX XXXX, XXXX ( Complaint Number XXXX ) in connection with the credit card account number referenced above. 
On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named Synchrony Bank in Complaint Number XXXX. 
Also, on XX/XX/XXXX I am submitting this new complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX  is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at Synchrony Bank, however XXXX has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that XXXX  must follow up directly with Synchrony Bank to resolve their interests in this matter.

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