Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX : Synchrony Bank Account Number : Ending in XXXX Amount Disputed : {$840.00} COMPLAINT SUMMARY I am writing to dispute a fraudulent account opened in my name without my knowledge or consent, and to request its immediate removal from my credit report. DETAILED ACCOUNT OF EVENTS XX/XX/XXXX - Initial Dental Visit : My father took me from college to a dental office the dental office have huge compliance issue Staff requested I sign documents without explanation I refused to sign without reading the documents first No employee would explain the paperwork My father signed documents on my behalf without my authorization I was never informed of any financial responsibility All previous dental and hospital bills had been covered by my insurance ( XXXX XXXX and XXXX ) I do not live with my father and use my mother 's address for all correspondence I never received a credit card or account information XXXX XXXX - Fraudulent Account Discovery : Received emails I believed were spam XXXX emails showed overdue balance for account ending in XXXX I have never applied for or authorized this account My only legitimate credit card is with Chime The account showed XXXX payment made that I never authorized I do not have the account number - only my father has access to this information XX/XX/XXXX : Placed fraud alert on my credit Called Synchrony Bank and XXXX with representative who agreed to close the account due to fraud The representative confirmed I had no agreement with them Evidence of Fraud : Email address used shows suspicious activity : My legitimate email : XXXX ( lowercase ) Email on fraudulent account : XXXX ( uppercase ) I do not have access to account number or documentation Phone received data breach notification Address on account is not my current residence XX/XX/XXXX : Placed lock on Social Security number due to parental fraud history XX/XX/XXXX : Discovered {$840.00} charge on Credit Karma report XXXX all three credit bureaus to report fraudulent account Called Synchrony Bank XXXX XXXX XXXX department XXXX XXXX XX/XX/XXXX : First Synchrony representative XXXX unhelpful and threatened to close account without fraud investigation Second representative created case number but refused to provide : Address linked to account Phone number on file Email verification Any account documentation LEGAL VIOLATIONS Fair Credit Reporting Act ( FCRA ) Truth in Lending Act ( TILA ) DEMANDS I formally request : Immediate removal of this fraudulent account from all three credit bureaus ( Experian, Equifax, TransUnion ) XXXX account closure with written confirmation XXXX balance verification - I owe nothing on this fraudulent account remove completely of my credit report Full documentation including : Original application with signature Account opening documents Billing statements Payment history Address and contact information on file IP addresses used to access account Fraud investigation results in writing Written confirmation that : No debt is owed Account is permanently closed All negative reporting has been removed No further collection attempts will be made Compensation for damages to my XXXX XXXX and emotional distress IDENTITY THEFT AFFIDAVIT I declare under penalty of perjury that : I did not open this account I did not authorize anyone to open this account I did not receive any cards or materials related to this account I have never made a payment on this account Requested Resolution Timeline : XXXX days from receipt of this complaint I expect Synchrony Bank and the credit bureaus to conduct a thorough investigation and remove this fraudulent account immediately. I will not accept any financial responsibility for debts I did not incur.

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