Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This is the email I sent to TJX Companies on Saturday, XX/XX/. But they are refusing t0 follow up with me. I also filed a XXXX Complaint as well land FTC too. 

Todays Date : Monday, XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cell : ( XXXX ) XXXX Email : XXXX TJX Companies , Inc. 
XXXX XXXX XXXX XXXX, MA XXXX Main : ( XXXX ) XXXX T.J. Maxx : ( XXXX ) XXXX Marshalls : ( XXXX ) XXXX Attn : XXXX XXXX Assistant Vice President Customer Service Email : riXXXX@tjx.com XXXX XXXX, Assistant Vice President Customer Service Email : XXXX@tjx.com XXXX XXXX, Group President/Senior Exec VP Email : XXXX@tjx.com XXXX XXXX XXXX President and Chief Executive Officer Email : XXXX@tjx.com XXXX@tjx.com Subject : Marshall employees deceived me into signing up for a credit after I located a lost child in their store The Location of that store : XXXX XXXX XXXX XXXX XXXX, MI XXXX. Their Phone : ( XXXX ) XXXX Saturday, XX/XX/2024 was at Marshalls in XXXX Michigan. Around XXXX XXXX I went in to utilize the restroom. I came in. There was a female that utilized the restroom as well but she didn't wash her hands. So, I went to see who she was. It was a customer. 

So, I went back to the restroom. Then I came back out and as I turned the corner there was an adorable little boy. He looked between XXXX years old. There was a language barrier. He didn't speak XXXX very well. He understood the word mom and that's it. He didn't know his name. He looked lost and scared. I asked him " Where's his mom? '' He didn't know. 

So, I tried helping him. I decided to take him to the front counter because we didn't see his mother. 

I asked him how he got here. He didn't know. There was a female Sales Coordinator, XXXX that took him behind the counter. She used the intercom to say there was a XXXX XXXX up there with a XXXX XXXX XXXX XXXX 

So, some other customers came up to see who this kid was. Then the Security guard not in uniform came up and told the sales clerk she shouldn't have announced it on the intercom because anyone could claim that he was their child. The child 's mother did come but she looked ungrateful and didn't care. Perhaps she's used to him getting lost. 


So, the female sales clerk said that I did a noble thing and that I was a really good person. She said she wanted to give me a 10 % coupon to use anytime I decided to purchase something. 

Here 's that conversation at XXXXXXXX XXXX XXXX XXXX XXXX XXXX? XXXX XXXX, she asked to see my ID. She told me to answer the questions on the screen of the register so I could get my coupon. All of a sudden she printed out a receipt but it was for a credit card. 

I told her I didn't want a credit card. I said I thought you were doing this to get me a 10 % coupon. 

Then she said she was trying, but it was for a credit card. She DECEIVED ME. She lied to me. She misled me INTO believing that she was giving me a 10 percent coupon because I helped the lost boy in your store. Then she said don't worry because she said she canceled the application. But come to find out she didn't. I asked to speak with the store manager and she said she is the manager. 

Here 's proof of what she said XXXX XXXX XXXXXXXX XXXX I went to locate someone that could address this. A female sales rep, XXXX XXXX XXXX XXXX XXXX  told there were 2 managers on duty, XXXX and XXXX. 

XXXX XXXX XXXXXXXX XXXX She went to get them. XXXX came out because they claimed XXXX left for the day. 

XXXX went to the front counter to see what occurred. She was implying I wasn't being truthful. But XXXX said that it's true that she wanted to thank me for bringing the lost child to the front counter and that she was trying to give me a 10 % coupon. But XXXX the Manager said that they can't print out coupons. So why did XXXX mislead me then? 

XXXX told XXXX that next time she needs to explain what she was going to do without misleading the customer. XXXX said that I would have to cancel the credit card application myself and that I would have to call the number at XXXX to cancel my application.

But I told her that I wasn't told that I was signing up for a credit card but for a coupon. 

She said she knows and apologizes for it. I told this was fraudulent and it was going to affect my credit score. I asked to speak with the District manager. She said that's XXXX. But she claimed she was gone for the day. I told her that I wasn't asking anything in return for helping the lost boy. I was just doing the Right thing. I told her that every time a person applies for a credit card, it affects their credit score. XXXX said it's out of her hands. REALLY? 

So, I asked the lost prevention guard to come up to the counter. He said that I did the right thing in bringing the lost child to them because he lost his mom in the store. But he said that I have to call the XXXX to cancel the applications. I said I'm also going to file a complaint against this store because I was tricked into signing up for a credit card without my consent. 

XXXX offer me a card, but I told her that his wrong on how I was intentionally misled about 10 % coupon that turned out to be a credit card. XXXX, the store manager act like it was no big deal. Heres that conversation. 

https : XXXX? XXXX I want that application cancelled. My credit score has gone down because of tis. I did call that number and spoke with a XXXX, male rep said he cancelled the application because the Sales Coordinator did it without my permission. 

I want this to be investigated as to why TJX stores such as Marshalls are tricking customers into signing up for credit cards without their consent. This was UNETHICAL. 

Sincerely 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