Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In approximately XX/XX/XXXX I became aware that there was a fraudulent account in my former name, former address etc, opened with pay pal that i had no idea about. I did not open it It was identity theft, I never received a statement for the fraudulent account at my current address until XXXX  got it they stated billing me for the fraudulent account in the middle of XXXX at my current address linked to my acual account i had with paypal which was current and paid for with my legal name, address and real information, my paypal under the name i have had n used legally since i got married almost 5 yrs ago, it was hooked to my bank account The only reason I found out was whomever opened the account charged the max amount to the card and they started draining money outta my savings which PayPal illegally attached to my bank account. Different name didn't stop them, I went to the bank had to close the account for fraudulent activities filed a complaint with the bank who reimbursed me for all funds taken out fraudulently. Which were several different amounts several times a day upwards to 10 plus times a day. I informed PayPal that the account was not.mine, was identity theft and they closed it, I at that time closed the PayPal account I had in my name thru synchroniy and all other accounts I legally opened and paid all in full. I told the credit card company that it was identity theft and buy opening the second card and automatically attaching it to my bank account using the information from my acual account was illegal and my bank agreed,. They did nothing to resolve the problem into XXXX except to add over limit fees and late fees to the card. I do not own this debt, I submitted in XXXX all records from the bank as did my bank to synchroncy where the fraud was determined to be real In fact. My name, my address and everything was incorrect. This credit line was a result of identity theft. I have reported it to the credit reporting agency 's. Now today I get a envelope in my front door saying a company called XXXX XXXX XXXX saying they are suing me for XXXX and if I 21 days to answer to the court before they enter a default on me. I do not know what to do because this is illegal. I do not own this debt. But they are coming after me for it. XXXX is located in Virginia but the cover page is located somewhere in my town. Also the original debt on this fraud card wasnt my address they got my address where I am now from me when I tried to resolve this issue with them and explained that i didnt open this accoint, i was told it followed my sprnding ways so i was responsible for it. I was flabbergasted Coming after a senior who is XXXX for an account that was investigated buy XXXX XXXX  and found to be a identity theft situation for a fraud account should be illegal. Just an FYI I was told when I went to the bank to report this situation that PayPal had the highest rate of stealing fraudulent activity accounts so I know Im not alone in this

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