Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (AR)

I applied for a consumer loan at lowes managed through Synchrony Bank. I provided all the correct information. On the online application at Synchrony Bank there were spaces for home phone, cell phone, however the space for home phone stated that it was required that this blank be filled in although more than 40 % of all households now do not have a landline phone. This is a ruse to make robocalls to cell phones and say that the person consented. Since I only use a cell phone I put my cell number in that blank. I purchased a refrigerator at lowes XX/XX/2015 AND IT WAS DELIVERED XX/XX/2015 to the home of the billing address, therefore any Robocall could not be considered a security issue or emergency. On XX/XX/2015 I received a call on my cell phone that said " NO CALLER ID '' As you are aware the FCC and our attorney general recognizes using such caller ID tactics as red flags for fraud. The message was a recording from Synchrony Bank, a Robocall of a non emergency nature. I did get a representative who did not give her name and explained that I was withdrawing my consent to be Robocalled on my my cell phone immediately. The representative remarked that my cell number was on the home phone line of the application. That is true, however. my prefix and number are known to be a cell phone and an entry was required on the application in this line. I guess if you do not have a landline Synchrony Bank does not issue credit. My big issue with Synchrony Bank if that they did not transmit caller ID and should they make another Robocall it is illegal and without permission and can result in significant liability for Synchrony Bank. I have withdrawn my consent for Robocalls to my cell phone. I am also aware of another individual this exact same thing was done to and if Synchrony Bank lies about this, or if the CFPB wants the other person to submit a complaint it can be done. The fact is Synchrony Bank called with no caller ID and when I got a live person, although they submitted no caller ID they wanted my name and last XXXX digits of my social security number. Here we have a bank that can transmit accurate caller ID but intentionally does not submit caller ID information, and I suspect because they knew they were robocalling a cell phone, yet wanted my name and last XXXX digits of my " social '' as the representative said. It would have been more appropriate had the representative instructed me to call the toll free number on the back of my card. Furthermore on their online application, Synchrony Bank must change the way telephone numbers are entered and if a number must be entered in home phone, they must have a way for the consumer to say that it is a cell phone to comply with the law. I am perplexed at reading of a record fine for Synchrony Bank for their lending practices as to why our regulatory agencies have failed to get this matter under control and why a Bank that paid a XXXX dollar fine would call a consumer on their cellphone and intentionally block their caller ID. Whether the call went to a home phone or land line there is absolutely no excuse for not transmitting caller ID. The law on caller id is simple : It 's illegal for anyone to knowingly transmit misleading or inaccurate Caller ID with the intent to defraud, harm, or get money or something else of value from the person being called. 
The call with " No Caller ID ' was made XX/XX/2015 at exactly XXXX. and I have records from the phone company to back up this claim.