Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), using my identity as the primary card holder, Social Security Number on the automated system. 
XX/XX/year> called Care Credit/Synchrony Bank , to find out my ex wife used an impersonation of myself to close the account without authorization. Im looking for them to push charges further, and hold my ex-wife accountable to her actions. 
actions that were taken by you or the company. 
Actions taken by Synchrony Bank Synchrony bank let me know that the Care Credit account ending in XXXX was closed XX/XX/year> and was past the 24 Hour time frame and could not reopen the account. 
Refused to give me the documentation needed to support me in calling the 3 credit Bureaus Provided my with the phone numbers to call the 3 credit bureaus Actions taken by Synchrony Bank XXXX XXXX XXXX on the phone, to call XXXX ( Tried to get off the call/transfer to a random manager ) Stayed on the call with XXXX XXXX Listened to The XXXX XXXX state that this is not best practice, and they needed/need to provide me, the client with a reinstated account, due to special circumstances of the ex-wife closing the account, an escalation number, and told me to filed a complaint with the Consumer Finance Protection Bureau or CFPB . 
Description of Fraud : Ex-wife and I are getting a divorce. The account was paid off and closed. This prevented me from having access to my credit line, and would report negatively on my credit score to get a home for the kids/I.

A detailed account of the fraudulent charges Detailed account of fraudulent charges/activity Bills were paid to fulfill the change of closing the account {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When you noticed the fraud and when you last used the card. 
I noticed this change on XX/XX/year> Called Synchrony Bank immediately. 

Actions Taken : Any steps you've already taken, such as when I reported to my bank / credit card issuer Looked for any communication between XXXX that she would look to make changes, there is none. 
I called Synchrony Bank to learn the details of the last transactions on the account, who closed the account, with what information, when, and their phone number. 

Documentation : Copies of any relevant documents Upload Documents from XXXX Drive/Computer Request for Action : What resolution you are seeking In Writing ; documentation that the Authorized, not primary user, using ( XXXX ) XXXX used impersonation of XXXX and his SNN on the automated system to shut it down. 
Im seeking the resolution of a reopened account based on special circumstances Im seeking : Reopen the line of credit due to special circumstances. Wife closing account for husband without permission of him/the primary account holder. 

XXXX XXXX XXXX XXXX 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 explanation