Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
XX/XX/XXXX Subject : Complaint against Synchrony Bank and demand for Investigation File for Account : XXXX  ( {$3400.00} ) Substantiated Identity theft against XXXX XXXX XXXX XXXX. In accordance with the Credit Card Accountability, Responsibly, and Disclosure Act, the Consumer Credit Card Protection Act, the Truth in Lending Act, and all other applicable federal and state laws, I demand all documentation relating to Synchrony Bank account XXXX and all other accounts with your bank has collected, stored, or transmitted, associated with me. For your reference, I am an active-duty XXXX XXXX XXXX protected by the Servicemembers Civil Relief Act and other federal law and regulations. I demand a written copy of the documents used to open any accounts with your company under my name or personal information, all charges substantiating the full amount of any debt against me, the full investigation regarding accounts associated with me and your company, and all communications I, or anyone else, has had with your company about this debt. Close this account and any debts your company alleges against me. 

Notice. I am sending a copy of this letter to your board of Directors in XXXX Connecticut and the Consumer Financial Protection Bureau. 

Facts. I have spent over a year dealing with Synchrony Bank on this issue. My last contact was on XX/XX/XXXX, when I called your Fraud Investigation Unit and talked to a person who identified himself as XXXX with a company identification number of XXXX. He told me that that in XX/XX/XXXX, your company determined that my estranged wife opened an account with your company under my name without my knowledge or authorization. XXXX told me that even though Ive filed a police report for identify theft for this fraud and previously notified your company in writing about the fraud, that I was, regardless, responsible for the charges because my estranged wife and I are still married ( pending a final divorce degree ). Over the last year, I have repeatedly asked, in writing and by telephone, for the above documentation substantiating how your company allowed someone to open an account under my name and information ; but your company has refused to provide this information which is required to be provided to me under U.S. federal law.

Conclusion. As you are aware, there is no provision under U.S. law that allows someone to open a credit card under someone else name or personal identification without that persons knowledge and authorization ; not even a spouse- its a crime. I am the victim of identity theft, and I have notified your company as such. The perpetrator has other accounts with your bank ; seek redress through her. Provide me with all the above documentation and close this account and any debts your company alleges against 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 explanation