Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have made contact by mail by phone to all credit rules. XXXX is always a fight. I explained that my identity has already been stolen from me. I have also contacted the other two credit rules. XXXX has been a fight. XXXX has been a fight. My identity has been used and taken very personal. I am on a dark web at this time. Im lost XXXX. Continue to leave my credit open even after I put a freeze I have contacted all the creditors that I could find some have continue to send new credit cards to my address even after I ask them to close what ever they could see XXXX made it clear that someone was using my identity on the dark web and now I know about it close all open accounts, mainly synchrony bank. XXXX XXXX has been a lot of problems XXXX XXXX XXXX I have never had an account with them. Walmart and XXXX XXXX. I have been fighting together.. my identity has been breached out so bad. I had to change all my bank account numbers passwords social media accounts. The credit card companies continue to say the people was paying. Would you like the courts? I explained no its stolen identity. I dont want the credit a bank called XXXX XXXX bank sent out a letter immediately explain that there was a trade line of credit and that it will be closed immediately. Only when the people stop paying, I received messages. They were coming fast starting in XX/XX/XXXX. I started calling the numbers back. The creditors wouldnt give me any information. My credit score dropped. There was a red flag. My bank account was compromised. I had to change all my account numbers today is XX/XX/XXXX of XXXX. Im still fighting to get the credit card companies to go back and retract on my credit. I have no high limit credit. Im trying to protect my vehicle at this time and my home. I continue to give messages asking me to sign my final documents for large amounts of money. XXXX experience keeps unlocking my credit XXXX sent out letters to my Credit all creators close every account that belong to me I used to have a XXXX account XXXX stated to them that it didnt belong to me. It is closed at this time. I continue to pay XXXX. I spoke with them. They told me trash show your symptom a letter they stated that if I didnt tell XXXX that my XXXX account wasnt in my account stating identity theft, they were never supposed to do that I called XXXX and told them they were wrong for having my XXXX account closed. I never told them to do that so I disputed XXXX. I have nine transactions XXXX try to pull {$24.00} from my account. I disputed it .retaliation started to happen from the Credit reporting department XXXX I have free credit monitoring at this time because I am on a dork way up in my Medical Social Security number home address. Everything was breached out. My information was also breached out by XXXX and XXXX. I have already filed with the FTC. I have written letters. Its been hard.

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 explanation