A Synchrony Home Mattress Firm credit card was opened with a joint owner in the middle of XXXX. On XX/XX/27 I activated my card, but the joint owner was told her information did not match any records on both the website and on the phone. The joint owner called in and was told only the primary cardholder can have a login. When we logged in with my credentials it asked to confirm the last 4 of the user 's SSN. We tried entering hers and it gave an error that it was incorrect. 

I called in and was told that the joint owner can not create a login, was not given an answer when I asked how we even knew the joint owner 's information was correct on file, and was told explicitly I needed to share login credentials with the joint owner. I have another card with Synchrony, but I was still told that I must share login credentials. I asked to speak to a supervisor and was transferred to a number that was not in service and was hung up on. 

The joint owner does not have access to account statements, no ability to limit the personal information shared outlined in the privacy policy, and no way to make payments. We had to check XXXX XXXX to see if they even got her information entered correctly. The account was showing up so it appears that they do have the correct information on file ( we hope ). 

I'm at a loss for how to proceed when everything on their website and app says her information does not match anything on their records, and the representative is advising me on a recorded line to share login credentials for a financial institution and then hanging up on me when I try to escalate.