Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There are XXXX accounts that were opened right around the same time. XXXX was a mattress, firm synchrony home account and the other one was just a synchrony home account. Both of these accounts were open fraudulently. I have informed you of this on multiple occasions at this point Ive requested that the accounts be closed to be XXXX  out instead you send new cards. The new criminals can get the cards and potentially charge up more while you try to hold me liable for it. Im not trying to be rude in any way, but the lack of comments since here is just hard to believe I tell you the account is fraudulent. I ask you to close it and instead you close that account but then you send a new card out who does that make sense to? You are sending it to an address that I own. It is a rental property that has been empty for over a year. No one lives here. I dont live here. Nobody else lives here at this address that you have on file youve sent me multiple affidavits that I filled out signed and sent back to you and you just keep sending them again then XXXX minute you say were sorry youre not liable. Dont worry about it but its still showing up on my credit report and youre still charging me interest and charging me late fees I dont understand if youre investigating it. How are you legally charging me interest in late fees why are you not zeroing out the account and then youll say you denied the fraud claim in each and every single time you give me a different excuse, you cant even stick to your reasoning go back and look at it every single time you give me a different excuse. I have cameras inside and outside of the house. Nothing has been delivered to this house. I mean, the cameras arent perfect and occasionally they dont always pick up every little thing. Ill give you that XXXX but the XXXX place is a furniture store I find it hard to believe that the cameras wouldve missed a whole house full of furniture being delivered and then where is all this furniture because Ive been inside the house and theres no furniture inside it and the other thing is hardwood floors. Do you want me to send you a picture of the carpet on the floor these accounts were basically opened and pretty much used in maxed out almost immediately or a very short amount of time that doesnt seem even a little bit suspicious to you. Theyre both the exact same scenario and youve come up with different reasonings for each card on top of changing the reasonings each time you send a letter you have copies of all the letters youll see that Im not exaggerating. I dont have all the letters in front of me, but Im almost positive that XXXX of the letters its blames my authorize user I could be mistaken on that, but Im Im 99.9 % sure again I dont have all the letters in front of me at the moment I cant carry all of that around constantly when there were no authorize users and nobody lives at this house seeing your investigators you must have investigators send them have them come watch this house watch it stay dark all the time watch somebody show up about once a week to check the mail. You wont see any cars theyre overnight. You wont see any lights on the utilities are on, but theyre not being used, but we are slowly doing some remodeling or at least we were over the summer a little bit. Its very expensive. I just need a human being to use some common sense here. I did not open these accounts stop sending me the same affidavit over and over again theres no reason for me to sign them and fill them out that many times

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