Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am submitting this complaint regarding multiple phishing emails impersonating eBay and Synchrony Bank. These emails instructed me to click links to supposedly check credit eligibility and requested sensitive personal information, including my name and the last XXXX digits of my Social Security number. After entering this information, the links redirected to blank or non-functional pages, confirming that these were fraudulent attempts to steal my identity. This incident is entirely related to eBay and Synchrony Bank ; it has nothing to do with Target or any other retailer. 

Consequences of this phishing attack : XXXX. Financial Harm and Credit Impact Fraudulent activity associated with this phishing attempt has been placed on my credit file, directly impacting my ability to obtain credit cards, personal loans, or other financing. This has caused delays, denials, and measurable financial harm, all stemming from phishing emails exploiting the names of eBay and Synchrony Bank. 


XXXX. Ongoing Risk and Burden I am required to continuously monitor all financial accounts, credit reports, and personal information to prevent further unauthorized activity. This ongoing burden is the direct result of the phishing attacks and the failure of eBay and Synchrony Bank to prevent or mitigate these scams. 


XXXX. Lost Opportunities Due to fraudulent activity on my credit file, I have been denied or delayed access to legitimate financial services, blocking opportunities for credit, loans, and other essential financial transactions. 


XXXX. Time and Practical Impact I have spent countless hours securing accounts, monitoring credit, investigating the phishing attempt, and preparing documentation. This is a measurable loss of time, productivity, and resources caused entirely by the phishing attacks. 


XXXX. Negligence and Accountability eBay and Synchrony Bank have a duty to protect their customers from fraudulent schemes using their branding. The fact that these phishing emails were able to reach me and solicit sensitive information demonstrates serious negligence. 



Demand for Compensation and Corrective Action : Because of the harm caused by these phishing attempts, I demand : Immediate compensation for financial loss, time, and resources spent mitigating the impact. 

Provision of identity-theft protection and comprehensive credit monitoring to safeguard against future misuse. 

Correction of any fraudulent activity placed on my credit file as a result of these phishing emails. 

A formal investigation and corrective measures from both eBay and Synchrony Bank to prevent future phishing attacks using their branding. 


This phishing incident has caused financial, emotional, and practical harm that is ongoing. eBay and Synchrony Bank must be held accountable, and compensation and protective measures are required immediately. 

Submitted by : XXXX XXXX XX/XX/year> 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 explanation