Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I recieved a bill from Sychrony Bank on XXXX XX/XX/XXXX. In that statement, the bank stated that I recieved products from a merchant XXXX XXXX. The account was opened on or about XXXX XX/XX/XXXXXXXX  by someone that was not me. There was a credit card that was associated to that account ( I never recieved this card nor activated this card ). I immediately called the bank on XXXX XX/XX/XXXX and disputed the charges and account. I immediately asked them to close the account that I did not recieve any merchandise from this merchant they listed. The total amount of this charge from merchant was over XXXX dollars. I have not spoken to this merchant nor has the merchant spoken to me or sent me any correspondance. In XXXX of XXXX I recieved another bill from Synchorny Bank with the same charges and they stated my original dispute was denied. However, they never produced to me any proof why it was denied with reciepts, delivery verification, or any form of fact that I signed for any product from XXXX XXXX. Again, I disputed the charges through their system/process with a different departments. I provided them all pieces I have in my posession of this transaction. In XXXX of XXXX, I recieve yet another bill from bank and they denied my dispute again. This time they sent a one page statement why they disputed with just bullets annotated. They state that I gained benefit or product from XXXX XXXX. However, nothing given to me in regards to my sigature of reciepts or any fact from XXXX XXXX that I got any of their product. I dsuputed the charges agin for the third time after the Synchrony Bank rep suggested that I disupte the charges not dispute identify theft. I disputed through their process. Again I submitted everything I had to them with dates times. Again I had not spoken to XXXX XXXX about any of these chrages or why they produced them on me. In XXXX of XXXX, Synchrony Bank sent me a bill and denied my dispute for a third time. This time they sent a one page reason with bullet annotated ( only one this time ) stating I had XXXX XXXX to my home. They did not send me proof that this product is at my home, delievered to my home, my siganture on reciept or manifest. I asked yet again where that prooof was located. Nothing produced to me. Again in I disputed the charges and to date I have not recieved a bill or notice of thier invesitgation. In XXXX of XXXX  I get notice from XXXX and XXXX that this bank has reported me late on this fraud account with these same charges to an account that I did not open and listed as closed. I disputed the report to XXXX and XXXX but they denied my dispute that the report from bank was accurate from thier investigation. However, they would not provide me concrete proof that I signed any reciept or signed any account to me opened from Synchorny Bank. XXXX then sent me here to to report this fraud and bogus charge to me.

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