Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Between XXXX XXXX XXXX, my XXXX PayPal Credit XXXX was provisioned into multiple digital wallets without my authorization, and several unauthorized transactions and attempted transactions occurred. These events were not initiated by me, and I did not authorize any digitalwallet provisioning, purchases, or walletbased activity. 
Unauthorized Digital Wallet Provisioning ( January XXXX XXXX ) I received multiple emails from Synchrony stating : Congratulations on adding your Synchrony Credit account to your XXXX XXXX. 
XXXX last step to add your PayPal Credit Card to XXXX XXXX. 
I did not add my Synchrony account to any digital wallet, nor did I authorize anyone else to do so. These provisioning events indicate unauthorized access and misuse of my XXXX PayPal Credit XXXX. 
Unauthorized Purchase Attempt ( XX/XX/year> ) I received an email from XXXX stating that a {$100.00} XXXX XXXX gift card purchase was attempted using XXXX and was declined for security reasons. I did not initiate this transaction. This is consistent with unauthorized wallet provisioning and attempted fraudulent use of my XXXX card. 
Unauthorized PayPal Credit XXXX ( XX/XX/year> ) I received an email from Synchrony stating : Thanks for using PayPal Credit Card for your purchase on XX/XX/year>. 
This purchase was not made by me. I did not authorize any PayPal Credit transactions on that date. 
Additional Fraud Indicators ( XX/XX/year> ) I received a XXXX email showing a {$100.00} XXXX XXXX gift card in a shopping cart associated with my email address. I did not initiate this activity. 
Synchronys Response I contacted Synchrony, and the XXXX XXXX XXXX XXXX acknowledged receipt of my inquiry and stated they would investigate. However, Synchrony also stated : They do not have access to XXXX systems. 
They can not determine how payments made at a thirdparty website get misrouted. 
This does not address the core issue : unauthorized provisioning and unauthorized use of my XXXX PayPal Credit XXXX. 
What I am requesting I am requesting that Synchrony : XXXX. XXXX a full investigation into the unauthorized digitalwallet provisioning of my PayPal Credit XXXX. 
XXXX. Reverse all unauthorized transactions and attempted transactions. 
XXXX. Provide written confirmation that I will not be held responsible for any unauthorized activity. 
XXXX. Provide documentation of all wallet provisioning events, including device IDs, timestamps, and IP addresses. 
XXXX. Provide written confirmation of all security measures taken to protect my account. 
XXXX. Ensure that no unauthorized activity is reported to the credit bureaus. 
These events represent clear unauthorized access and misuse of my XXXX PayPal Credit XXXX. I am requesting the CFPBs assistance to ensure a full investigation and proper remediation.

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