Consumer complaint received 2025-01-22 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: KY

Complaint narrative:
During the 2023 year, I was notified through the credit agencies that I had a delinquent credit card account ( PPC/SYNCHRONY BANK ) for the amount of {$1000.00}. Upon receiving this notice, I immediately contacted PPC/SYNCHRONY BANK via phone and reported that the account was fraudulent, due to having no knowledge of the account. I inquired about more information for the account over the phone and was informed that my phone number, mailing address, and personal bank account information did not match what was on file. They stated that my social security number did not bring up ANY account information. I was also informed that multiple payments had been made in the past. I was notified that the account was opened during the XXXX  year ( which was while I was XXXX by the United States XXXX to XXXX, XXXX in support of XXXX XXXX XXXX XXXX  XXXX ; and had very limited access to internet and/or phones ). I was also notified that the account was closed during the XXXX  year ( and is still closed ). I was also notified that there were absolutely no statements and/or charges ( payment history ) available to be viewed to help identify the location of past charges being made. I inquired as to why the account would just now be receiving a delinquency notice, if the account had been closed since the XXXX  year. I also inquired as to why the account was receiving payments AFTER the XXXX  year, if the account was closed. I was informed that what few payments that were made, was being made from an account that did not match any of my accounts. PCC/SYNCHRONY BANK agreed that this was fraud, stated that I did not need to pay anything, and that the account would be removed from the credit bureaus. ( This account is no longer listed with any of the credit bureaus. ) During XXXX of the XXXX  year, I received a statement/bill from PPC/SYNCHRONY BANK , for fraudulent account ( # XXXX XXXX XXXX XXXX ) AFTER PPC/SYNCHRONY BANK received all of my personal updated information. I immediately contacted PPC/SYNCHRONY BANK and was informed to disregard the statement due to the account being closed and labeled as fraudulent. 
During XXXX of the XXXX  year, I receive another statement/bill from PPC/SYNCHRONY BANK , for the same fraudulent account ( # XXXX XXXX XXXX XXXX ). I immediately contacted PPC/SYNCHRONY BANK and was informed that this account was now considered accurate, that I was responsible for the bill, and that I needed to pay it, due to the age of the line of credit and due to previous payments being made. I again notified PPC/SYNCHRONY BANK that this was not my account, that this was fraudulent, and requested additional information about the account, which was not provided. 
I continued receiving statements that reflected little to no information. As of now, XX/XX/XXXX, I have been able to gather that there are at least XXXX different account numbers, all for this same account. I have also been notified through credit bureaus that I have missed payments for this account for the multiple months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; however, again, if this account has been closed since XXXX, how are missed payments being reported? Remarks for this account on my credit state " Dispute resolved-subscriber disagrees. '' I have contacted PPC/SYNCHRONY BANK again during XX/XX/XXXX, requesting the aforementioned information again ; however, have never received any information to show or prove that this account belongs to me. 
I have never been delinquent on anything, have never filed bankruptcy, have always paid any debts that I am responsible for, and not married ; however, I have no knowledge of this account. There is a tremendous amount of account information that is unavailable, and what little information is available makes no sense. I am requesting help from the CFPB on finally resolving this matter and restoring my credit and trust that this matter can be thoroughly investigated and resolved. If there is anything at all needed on my end, please let me know, Respectfully,

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