Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Formal Notice of Consumer Complaint To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX RE : URGENT COMPLAINT : Willful FCRA Violations, Failure to Investigate, and Severe Data Security Breach by Synchrony Bank Executive Summary I am filing an urgent, aggressive complaint against Synchrony Bank for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and a severe breach of personal security. On XX/XX/XXXX, I sent Synchrony Bank an explicit notice of identity theft containing irrefutable proof of my long-term physical incarceration. Not only has Synchrony Bank completely ignored the 30-day statutory window to investigate and delete these fraudulent lines of credit, but they are also actively compromising my safety and privacy. Rather than sending correspondence to my verified correctional facility address, they are continuing to send my sensitive personal data, account information, and dispute updates to the fraudulent addresses or associated email accounts controlled by the identity thief. Respondent Information Company Name : Synchrony Bank Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Department : Fraud Department / Dispute Disputed Fraudulent Accounts Account Name : SYNCB/XXXX DC Account Number : XXXX Balance : {$1300.00} Account Name : SYNCB/XXXX Account Number : XXXX Balance : {$2900.00} Statement of Facts & Physical Impossibility Continuous Confinement : I have been continuously incarcerated in the XXXX XXXX XXXX since XX/XX/XXXX. I am currently housed at the XXXX XXXX XXXX XXXX and have been removed from free society for nearly XXXX years. Absolute Impossibility : These lines of credit were opened on XX/XX/XXXX. It is a physical, logical, and legal impossibility for an inmate in a secure facility to open, utilize, or make payments on these accounts. Fraudulent Information Stack : The thief used known fraudulent XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX apply for these credit lines. I have never resided at these locations. Aggravated Negligence & Security Breach : Synchrony Bank was provided with my official XXXX XXXX XXXX XXXX XXXX and Inmate ID Card, which explicitly detailed my identity and physical location. By failing to update my contact records to my actual location, failing to answer my dispute, and sending communication to the thief 's addresses/emails, Synchrony Bank is actively aiding and abetting the identity theft scheme by exposing my private file data to the perpetrator. Severe Credit Character Defamation In addition to maintaining the fraudulent balances, Synchrony Bank is aggressively ruining my credit character by reporting manufactured XXXX, XXXX, and XXXX late payment marks in XXXX for debts that are legally and physically not mine. Legal Demands & Remediation Requested I demand that the CFPB immediately intervene, penalize Synchrony Bank for its reckless handling of consumer information, and compel them to perform the following : IMMEDIATE CONTACT UPDATE : Cease sending any digital or physical mail regarding my identity to the fraudulent addresses or emails. All future correspondence must be sent exclusively to my verified physical location : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. PERMANENT DELETION : Completely purge and delete these trade lines ( Account XXXX. XXXX and XXXX ) along with all fraudulent late payment remarks from my XXXX XXXX XXXX XXXX records. TOTAL DEBT VOIDANCE : Mark these accounts permanently as " Closed due to Identity Theft '' and release me from any and all alleged liability for the {$1300.00} and {$2900.00} balances. WRITTEN CLEARANCE : Issue a formal, physical letter of clearance directly to me at XXXX XXXX XXXX XXXX confirming compliance. Synchrony Bank 's failure to respond to an incarcerated consumer, paired with their reckless distribution of my data to a criminal 's address, requires urgent regulatory oversight. Sincerely, 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