Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Immediate Removal as Authorized User & Correction of Credit Reporting To Whom It May Concern, I am writing to formally dispute the handling of credit card account ( s ) under the name of XXXX XXXX , on which I was listed as an authorized user. This letter serves as both a Direct Dispute and a formal demand for corrective action under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Background and Good Faith Actions In XXXX of XXXX, my grandmother, XXXX XXXX was forced to move out of her daughters house a day before her XXXX birthday. XXXX XXXX ( her daughter ) refused to help her look for a new residence and she refused to help her financially. Although XXXX has a total of XXXX living adult children who are financially capable of caring for her, none of them wanted to accept the responsibility. So, since XXXX was in my care for many years prior to moving back in with XXXX in XXXX, I volunteered to move her into the apartments where I live. On XX/XX/XXXX I moved my grandmother, XXXX XXXX, into her own apartment in a senior independent-living community. At that time, she was fully capable of caring for herself and did not require assisted living. My intention, as always, was to maintain timely payment of her credit card accounts while ensuring her independence and stability. XXXX XXXX can be reached directly at XXXX and XXXX XXXX can be reached directly at XXXX. The mailing address which XXXX resides with them is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Arizona XXXX XXXX is retired from the state of Arizona and XXXX XXXX is also retired company unknown I incurred significant expenses during this process, including moving costs and related fees, and severe loss of income, which I have documented. Enclosed are : Receipts showing the move-in at the senior community. 


Proof of the scheduled tour date that preceded the move-in. 


A record of the independent living move-in expenses paid on her behalf, including credit card obligations that were never once late while in my care. 


Unfortunately, XXXX children : XXXX XXXX ( now acting as Power of Attorney ) and her siblings XXXX XXXX and XXXX XXXX, refused to contribute toward their mothers expenses and care. They decided instead to move her into XXXX home after I did all the work to get XXXX moved into her own apartment, therefore, assuming control of her financial obligations. 



Actions by XXXX XXXX Once XXXX assumed control, my access as an authorized user was revoked by her, and I was prevented from continuing to make payments, despite my history of maintaining these accounts responsibly. 


Since then, payments have not been made by XXXX or her household or other XXXX sons XXXX and XXXX, resulting in late fees, delinquency notices, and derogatory reporting associated with accounts on which I was an authorized user. 


This is not only unjust, it is legally improper. An authorized user is not contractually liable for repayment of the primary account holders debt. 



My Demands Immediate Removal as Authorized User I demand that I be permanently removed as an authorized user from all accounts belonging to XXXX XXXX and that no future statements, dunning notices, or settlement offers be directed to me.

Correction of Credit Reporting I demand that all late fees, delinquencies, or derogatory marks reported to the credit bureaus on or after XX/XX/XXXX be removed from my credit reports. Reporting me as delinquent when I am not legally liable constitutes inaccurate and misleading furnishing under federal law. 



Legal Basis Authorized users are not responsible for debt repayment. Federal guidance and longstanding industry standards confirm that liability rests solely with the primary account holder. 


Under the FCRA, furnishers must ensure information they provide to the credit bureaus is accurate and not misleading. Continuing to report late or derogatory information under my name as an authorized user is a violation of these duties. 


I acted in good faith by maintaining all accounts in perfect standing while XXXX was in my care. The delinquency arose only after XXXX XXXX, acting as Power of Attorney, assumed responsibility and removed my access. 




Enclosures Provided To establish my credibility and good faith, I am enclosing the following documents with this letter : Receipts showing Sandahlias move-in at the independent senior community. 


Proof of the scheduled tour date prior to the move-in. 


Evidence of expenses I paid toward her care and credit card accounts prior to her relocation. 


These documents clearly demonstrate that I upheld my responsibilities and that the delinquency is the direct result of actions taken by XXXX XXXX and her household. 

Conclusion This is not a matter of me abandoning responsibilityit is a matter of XXXX XXXX interference and subsequent failure to honor he

r obligations as Power of Attorney. To hold me responsible as an authorized user would be unlawful and inequitable. I expect written confirmation within 15 business days that : I have been removed as an authorized user from all accounts associated with XXXX XXXX. 


All derogatory reporting tied to me on or after XX/XX/XXXX, has been deleted from XXXX, XXXX, and XXXX. 


I have pursued complaints with the Consumer Financial Protection Bureau ( CFPB ) and I will also pursue any additional remedies available under law. 
Respectfully, XXXX XXXX

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