Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Around early XX/XX/XXXX between the XXXX I had received a notification on my phone from a credit monitoring app, indicating I had a recent inquiry from Sams Club Credit Card Services reflected on my credit report. I was so confused as to why this was appearing on my credit report as I had not applied for any credit card. Around XXXX I check my mail and get a letter dated XXXX XXXX from Synchrony Bank Stating my application for the Sam 's Club Credit Card was being denied due to the following reason : " unable to confirm your identity with enough confidence to approve your application at this time ''. I was so confused and was wondering who this could be or how did this occur because it was definitely not me applying for this Credit Card, however I do have a membership with Sam 's Club, so I thought maybe this was a mistake? But it still did not make any sense. I called Sam 's Club Credit Card Services the day I received the letter, the lady on the line was very rude didn't want to help me when I requested additional information on this application denial letter, the lady was condescending laughed and did not help me and so I ended the call. I proceeded to call Synchrony Bank to see if they can possibly help me, but unfortunately, they just informed me I had to call Sams Club Credit Card Services to get additional help. So, I did, this time I was helped, the lady on the phone told me this application was done in person at a Sams Club near my address but could not provide me with any more information, she mentioned sometimes things like this happen and maybe this was a mistake. I kept asking how is it that this person was able to submit an application without proper ID, where this would have been caught given the other person could not have my ID if this incident was indeed in-person. She kept telling me this happens it's just a mistake however I was not happy about this and how it was affecting my credit score or how my personal information is at risk. I asked to speak to someone else who can help me because this was not ok. The lady on the phone let me speak with another representative and they took more information from me and told me they will reach out to Synchrony Bank to get this solved. I later get another letter in the mail dated XX/XX/XXXX indicating they were unable to locate my account with the partial account number or the information provided ( every time I called, they had me provide CC information however I didn't have a credit card, so I was providing my social security # ). Days later I call again and request to get this solved as this still is affecting my credit score. This time the operator on the phone tells me this will be handled, and I will get a letter within 30 days in the mail trying to resolve this issue. I do get a letter in the mail on XX/XX/XXXX. However ( as you can read in the letter attached ) this issue was not resolved. I later called the Credit Beuros XXXX and XXXX and they informed me to file an FTC report and send information to all 3 Credit Bureau 's to get this removed from my credit report since this inquiry was never made by me.

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