Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
EDIT : FOR CREDITONE SPECIFICALLY : I GOT TO THIS IN TIME TO REPORT MY IDENTITY THEFT AND WISHED FOR THE ACCOUNT TO BE CLOSED. THE PERSON ON THE PHONE SAID THEY DID THIS, BUT THEN I KEPT GETTING EMAILS THAT CHARGED ME {$8.00} ON GOING. I WAS LUCKY TO EVEN GET THESE EMAILS LONG AFTER THE FACT. I DO NOT HAVE PHONE SERVICE ON XXXX EXCEPT WIFI AND IT IS VERY LIMITED. THEY DO NOT CARE, RACKED UP FEES, AND NEGATIVELY DAMAGED MY ACCOUNT OVER IDENTITY THEFT AND I WANT IT CORRECTED IMMEDIATELY AND REMOVED FROM MY XXXX XXXX XXXX XXXX REPORTS IMMEDIATELY!!! 

To whom it may concern, I was leaving for my medical trip which required me to go to XXXX or XXXX to address my healthcare needs after having a XXXX, the loss of my right hand, and XXXX which severely limits my response times and verbal communication. 

At that time, I had an exemplary score of XXXX and all accounts were in good standing for years. Tragedy struck when I went through the XXXX, however. XXXX unscrupulous agents decided that they would take advantage of me, single me out for my XXXX, and had chosen me as a target because I was " suspicious '' because I could not talk or speak right. 

An hour had passed and they strip-searched me, and I was fighting through my challenges to tell them that I was only trying to seek accommodation for my medical trip and was trying to get them to understand that all I was trying to do was catch my flight on time. 

After they had no choice to release me, I was boarding flight XXXX on my way to XXXX, and needed wheelchair assistance from XXXX XXXX. A man showed up to wheel me to where I needed to be, but then left abruptly. 

When he did, I realized that either he ( or the XXXX XXXX agents between them, I still do not know for sure ) had stolen all of my credit cards, bank debit cards, social security cards, my Ohio ID, passport card, social security card, everything. I mean everything. I was left with only my Passport Book which I still had, and I think it was because it was larger to where I could not notice it, and would be aware if it went missing like the rest. 

When I realized I panicked and called airport security. They had met with me but was unsure of what to do, because I only had XXXX minutes before my flight at XXXX out to XXXX XXXX XXXX and I would lose phone service when I went out there. 

I was on the phone trying to get through to XXXX Bank that I needed a replacement card immediately to prevent harm to my credit and all other accounts, because they were centrally linked through my XXXX Bank account. 

The lady on the phone stupidly resent me a new card after I made it clear that I am LEAVING OVERSEAS and the locked mailbox was located in Ohio XXXX miles away. She was dumbfounded and used circular words to express that XXXX Bank was not equipped to handle such situations and they could reissue me a new card and new bank card, but they did not mail to XXXX, and my card and my account is still sitting there - unactivated - racking up fees. 

After I got off the plane, I realized that T-mobile phone service was inaccessible in XXXX, and the only way I could get through was through using a very limited time frame to call over Wifi. After I got to XXXX, I tried to make a police report there, but they told me to continue on to XXXX and regroup there, so I did. 

I met with the police of XXXX, but they said they did not have databases linked, and it would go nowhere. Instead, they suggested for me to call the XXXX Police and make the report there, so I did. 

I tried to follow up with the XXXX Police department, but the operator REFUSED to take the call and was chastising me because I could not speak right, and would not even do the report. : ( To make matters worse, when I tried to go around them because the lady was inept, I found out that I could not even do the initial report because the airport had it's own region of XXXX XXXX, so I could not have done it even if the lady wasn't inept, and I was left with only the FTC Report number to address this. 

With XXXX Bank, I tried to call them XXXX DIFFERENT TIMES or more from XXXX to XXXX to get this straightened out, but they explained that either their " system was doing an upgrade '' or several excuses that do not hold water. 

When I explained the situation to them in brief, they were pained by my challenges with XXXX and I get the feeling that they were just trying to get me off of the phone for other callers and would " okie-doke '' transferring the call- which often would fail - highlighting their severe negligence and mistreatment of me as a whole. 

Meanwhile, the automated systems did not care about my FTC report number made back in XX/XX/XXXX or earler XXXX. No, they incessantly racked up fees and compound fees over and over again, and when I got to my email over limited Wifi, I was greeted with ACCOUNT CLOSURE NOTICES and " offers '' for me to " settle a debt '' over IDENTITY THEFT!!! 

The other agencies such as XXXX Bank, Synchrony Bank, and XXXX XXXX Bank did not get their expected payments because I was LOCKED OUT BECAUSE I AM ON XXXX AND THE SITE WAS INACCESSIBLE TO ME, so they sent me a notification that even it went negative as well! 

I am petitioning from the removal of ALL HARM CAUSED BY THIS MESS GOING FORWARD! ALL OF IT!!! STARTING WITH XXXX BANK WHICH IS WHERE IT BEGAN, AND BRANCHING OUT TO ALL AFFECTED BANK ACCOUNTS! 

I AM PETITIONING FOR EXPERIAN TO CORRECT MY CREDIT REPORT AS THEY HAVE TAKEN ME FROM THE XXXX RANGE DOWN TO XXXX AS " POOR CREDIT '' WHICH I HAD NO INVOLVEMENT IN! YOU SAY THAT YOU ARE " PROTECTED '' AGAINST " IDENTITY THEFT '' AND TOUT " XXXX LIABILITY '' IF YOU ARE A VICTIM OF IDENTITY THEFT, BUT WHERE IN THE XXXX IS IT?!!! ALL I SEE IS THAT YOU ARE HAVING A FREE-FOR-ALL AND A FIELD DAY WITH DAMAGING MY CREDIT INDEFINITELY AND I WANT IT FIXED IMMEDIATELY!!! 

I will CC this to XXXX Bank, and additionally, make it known to XXXX XXXX, XXXX Bank, XXXX XXXX Bank, and all other affected! For 4 MONTHS I have gotten NOWHERE with it, and you have taken this time to damage my credit further, and I will do everything in my power to STOP THIS!!! 

On XX/XX/year>, I filed Identity Theft with the FTC XXXX website, and they did give me a number, which is : XXXX I am trying to take care of this and remove it from each and every instance that was affected on my credit report going forward. 

My XXXX and the challenges I was left with make it easy for someone to get my off the phone and exploit me verbally and in-person, but not so in person. 

I am hoping that now that it has been reported through the CFPB in proper channels, they will light a fire under it to acknowledge what they have done to me, and do a complete reversal of the damages to my credit and credit companies.

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 monetary relief