Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
first contact with this card/bank XXXX was XXXXXXXX XXXX XXXX when a XXXX XXXXXXXX came to my door with legal papers from the XXXX Superior Court announcing that I ways being sued by Synchrony Bank for {$7600.00}. I do not know the number of this account or have any information about it, no statements, cards, or any correspondence has ever been received by me about this credit card. It is a TJX REWARDS MASTERCARD, according to court documents. 

XX/XX/year> Synchrony Bank announces a fraud investigation into the account. I never claimed fraud on this account. It is a case of mistaken identity, as I have always claimed. This card is not associated with my social security number as proven by the fact it doesn't appear on my credit report at the credit agencies. 

This is mistaken identity/theft. I disputed this debt by certified letter and through emails and phone calls from my lawyer to the collection mill working for the bank. I never claimed there was fraud on this account. I am not the owner/debtor on this account. The Bank is SUING THE WRONG PERSON. I want identity verification of the card holder. I am not the card holder. 

XX/XX/year> my lawyer received from the collection lawyers of Synchrony Bank copies of 70 pages of credit card statements for the disputed account. These statements from the bank 's lawyers confirm that this card/debts belong to another XXXX XXXX who lives in XXXX, CT XXXX at XXXX XXXX XXXX XXXX XXXX I have never lived in XXXX, XXXX For 24 years I have lived at my current address,XXXX XXXX XXXX XXXX XXXX CT. 

The Bank 's own documents confirm that for many months they sent statements to XXXX CT, accepted payments to this card from XXXX, CT. BUT, when they turn this debt over to their collection lawyers, they decide to sue me, a different XXXX XXXX in XXXX CT. 

The Bank never responded to the Court so the law suit is currently not active. 

XX/XX/year> The Bank recently finalized their fraud investigation, confirming that there was no fraud and that the charges are valid and they still consider me, XXXX XXXX XXXX XXXX CT liable for the charges. The Bank 's own debt verification papers sent via their collection lawyers prove that these debts belong to a DIFFERENT XXXX XXXX in XXXX, CT. The Bank/Card is suing the wrong XXXX XXXX XXXX 

I called the HELP number listed on the Bank 's letter ( this is the very first communication I have ever received from them that did not come from the court ). I spoke to a customer service representative from TJX REWARDS CARD. She verified that my Social Security number does not end with the same four digits as that associated with the card. She assigned a case number of XXXX XXXX XXXX XXXX so this mistaken identity case can be investigated. 

I need a general release from Synchrony Bank recognizing this error so this situation will not be repeated in the future. 

Synchrony Bank is in breach of the Fair Debt Collection Practices Act since they had absolutely no contact with me before presenting me with legal papers, suing me through the XXXX XXXXXXXX XXXX. They have slandered my credit and I need their duly executed General Release acknowledging this situation to avoid problems in the future. 

Synchrony Bank has stolen my identity and is falsely claiming that I owe this debt. Synchrony Bank is using the Connecticut court system to intimidate and harass me. Neither the Bank nor their lawyers have ever tried to verify that I am the person they issued a credit card to or that I am the person who used this card. 

None of these debts were ever reported to the credit reporting agencies, since this debt is not associated with my social security number. I never applied for the credit card, received the card, used the card or made payments on the debt. All these things were done by another XXXX XXXX with a different social security number and a different address and town of residence. The Bank 's own records verify this. 

But now their letters regarding this debt keep coming 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 non-monetary relief