Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a survivor of XXXX  XXXX and currently have a final XXXX XXXX XXXX XXXX ( XXXX ) against XXXX. On XX/XX/XXXX i found incorrect name address and number on my credit report and statements. I called Synchrony Bank to verify this information and spoke allowed with XXXX XXXX on recovery department and she transferred me to XXXX in fraud dept aftee giving me all information on access to my accounts. She informed me that on XX/XX/XXXX at XXXX they received a call from a male verifying himself as me by social security number stating that he was the primary card holder they then granted him access to have my personal account information on XXXX out of XXXX accounts ( XXXX, paypal, XXXX XXXX XXXXXXXX XXXX XXXX  others unknown at time. He then changed specifically my address and phone number to his address and number. this individual to impersonate me over the phone and gain unauthorized access to my accounts. Receive all my account history statements and full access. The company allowed the XXXX  to change my sensitive personal information, including my home address and phone number, to his own. This security failure occurred despite the fact that I am the sole authorized user and have a legal protection order in place. Following these unauthorized changes, synchrony sold the resulting fraudulent debt to a third-party collector, further damaging my credit and safety even after speaking to XXXX at the Fraud department reporting this fraud nothing was done. I filed an identity theft report with ftc, a police report with XXXX XXXX against XXXX  and froze/locked my Credit. I then sent copies, final XXXX XXXX from court, original complaint previously sent and ignored by Synchrony, my original verification letter. I made copies and sent to all companies, debt collectors, credit bureaus, credit reporting agencies and Synchrony. On XX/XX/XXXX i certified mailed and resubmitted again to Synchrony a letter of demand and action regarding identity theft and violations, also requesting blocking and records from my account and mailed them copies of everything needed for the disputes of the multiple accounts and identity theft. I also included statements of my accounts placed wirh debt collectors and lawsuits that showed the fictitious address mailed to his address by them and theirndebt collectors. They did not contact the collectors or remove the fraudulent accounts, nor did they respond to my letter sending me anything I requested and failed to take action. They ignored all required and submitted documents and request, continuing unfair practices, lack of investigation and lack of removal of fraud activity. 
This is a violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of my information and constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) due to the company 's gross negligence in identity verification. This is negligence by creditors to perform due diligence and resolve fraud claim, transactions and disputes that negatively impact and impacted my personal finances, wellbeing and personal safety and my credit score.

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