Consumer complaint received 2019-06-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to XXXX . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, XXXX XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 



Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 
XXXX : ( an:XXXX ) XX/XX/XXXX Spoke to Mr. XXXX advised of the ID theft. He advised to complete and return a fraud form which he mailed. 

XX/XX/XXXX returned fraud form. 

XX/XX/XXXX called for status since nothing was received. Spoke to Ms. XXXX who advised that allegation was denied. I advised her that documentation was sent to which she said was not received. She said to fax them the documentation. Severl attempts were made, and their fax machine was not accepting infor. So, it was mailed with tracking number : XXXX. Which was received on XX/XX/XXXX at XXXX At the end of XX/XX/XXXX a letter was received dated XX/XX/XXXX advising that they are not approving the fraud allegation request since according to them 1 ) customer benefited from use of card/participated in the purchases 2 ) customer released account information to a third party. 

This is ID theft, permission nor authorization was never given at anytime to obtain this nor any other credit cards. 
I do not know what was done/transacted with this and all the other accounts that were opened in my name. I surely did not benefit from anything. 

This was done without knowledge nor consent.

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