Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to report an issue regarding the unauthorized enrollment into an Amazon store credit card without my consent. I am deeply concerned about the lack of transparency and the difficulties I have faced in canceling this credit card. 

On XX/XX/, I noticed that I had been automatically enrolled into an Amazon store credit card, which I did not request or provide my consent for. I have neither received a physical credit card nor have I been provided with a full credit card number. Despite my efforts to resolve this matter, I have been unable to cancel the credit card or obtain further information from either Amazon Customer Service or Synchrony Bank. 

I have made multiple attempts to resolve this issue by contacting Amazon Customer Service and Synchrony Bank, However, I have received no satisfactory resolution from either party. The representatives were unable to cancel the credit card enrollment or provide any additional information pertaining to the account. 

I kindly request that you take immediate action to cancel the unauthorized enrollment into the Amazon store credit card and ensure that no charges are associated with it. I have always been a valued customer of Amazon, and this incident has greatly affected my trust in the company. 

Additionally, I need clarification on how this unauthorized enrollment occurred and how my personal information was obtained without my consent. I request a thorough investigation into this matter to prevent such incidents from happening to other customers in the future. 

I have taken steps to monitor my credit and ensure there are no unauthorized charges or accounts associated with my name. However, I strongly believe that a prompt resolution from Amazon and Synchrony Bank is necessary to rectify this situation and protect the integrity of my financial well-being. 

I kindly request a written response from both Amazon Customer Service and Synchrony Bank confirming the cancellation of the credit card enrollment and any associated charges. Additionally, I would appreciate any relevant documentation or information regarding this matter.

If my concerns are not addressed adequately or if there is no satisfactory resolution to this unauthorized enrollment, I will be left with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice to protect my rights as a consumer.

I am confident that Amazon and Synchrony Bank will take this matter seriously and resolve it promptly. I look forward to a positive resolution to this issue at the earliest possible convenience. 

Thank you for your immediate attention to this matter. I expect a prompt response to ensure an amicable resolution. 

Yours sincerely, XXXX XXXX

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