Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a letter prepared on XX/XX/XXXX, which stated that you issued another card ending XXXX on XX/XX/XXXX. I have received a bill last month which showed there was a check refund of {$220.00} ; to which I requested the explanation what kind of nature this refund check had. But I have not received any letter of explanation. The letter prepared by XXXX XXXXXXXX, XXXX XXXX XXXX, tells that there is no balance by opening a card ending XXXX without any consent to open. I have already complained several times that the refund check might be a refund issued by PayPal. If that was the PayPal refund, one issue which related with illegal activities in PayPal might have been solved. However, your letter indicated that the card which you issued without any consent as a replacement card of a card ending XXXX. I am waiting PayPal the movement of the amount {$220.00}, which should be existing in my account of PayPal as credit but unable to use. If PayPal states that PayPal refunded the amount of {$220.00} to the closed account either ending XXXX or XXXX, there might be another investigation on this matter. Anyway, since the card ending XXXX was issued without any consent by the customer, your company, Synchrony, performed some illegal act to open an account/card without any consent of ( unknown ) customer. You need to provide the detailed explanation to the authority. 
I have not reported anything on the matter of your company in case of credit report/credit report XXXX I am just asking why you have opened the card ending XXXX, which I have never received. And I suspect the possible illegal usage of card in my name. Now, you state your company opened another card without my consent at all, which is ending XXXX and, I have not received, I wonder what king of company policy your company has. Even though I do not want to receive any credit card from your company, you need to explain what have happened all these cards in my name. Maybe, these two card might be missing by the fault of XXXX since we have many delivery issues with XXXX already. 
Your company has mentioned that you observe the Gramm-Leach Bliley Act of XXXX, which ensures the consumers as their right to protect their private information, especially financial information, not to use, share and collect with other financial institutions. I am not sure why you need to mention to me since I do not ask to open any credit cards with any companies at this moment, I wonder your position that you feel the necessity to mention this Act now. Somebody might have shared my financial information, and you need to emphasis you have not shared. 
Since I do not want to have any credit card from your company, you do not need to enclose your company, especially bank privacy policy.

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