Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have been dealing with this issue since XX/XX/XXXX when my wages were garnished. I then come to find out that there is a judgment against me for a credit card that I NEVER applied for in XXXX for an alleged XXXX XXXX XXXX through XXXX XXXX XXXX which was sent by Synchrony Bank is my understanding. I contacted the court to retrieve the information. The court told me that this garnishment was filed in XXXX but never responded to so three years later I get notified about this debt! I was never even served a notice or signed for anything from the court and apparently this credit got a Default Judgment against me! I NEVER owned or used this type of card and I only currently have an Amazon Store Card. I never received any statements for this account, nor did I ever make any purchases or payments for this alleged account. I purchased my house in XXXX of XXXX and the only thing that comes to mine is someone stole my information and applied for this card. The former owners of this property who sold the property to me would come by from time to time and pick up mail that still came here from our mailbox for about a year or so. I am not sure why this is happening to me all these years later. I pay my debts and if I owed this, I would have never let it get this far. If someone was making payments on this account, it definitely was not me. I have asked the creditor and the attorney 's office representing them to provide me with statements and copies of checks showing who paid this and they only provided me one statement from XXXX but never provided me any statements as to where the payments were coming from. This account has never even been on my credit reports. I have filed a police report and sent a copy to the attorney 's office as well as the credit card company directly. The police report # is XXXX filed with the XXXX XXXX Police XXXX XXXX on XX/XX/XXXX for Credit Card Fraud. This debt is not mine and I should not have to pay for something I did not apply for. I can not tell you who did as I have no knowledge of this. This is not fair. I sent my statements to the attorney and bank as well as the police report information and they came back claiming payments were made by me on this account which is just not true! 

Update to previous complaint. 

The attorneys office contacted me in XXXX to advise me that they do receive information that this was identity theft it was not me. They were able to prove that I did not live at the address when this application was taken out yet they have failed to contact the courts and file a dismissal on this case with prejudice and I am still not receiving any information in the mail, I would like to have this case dismissed with the court and the judgment taken off my name. This was truly identity. Theft was not me. I never open this card and never use this card information but I was a victim of ID theft and I was able to prove to them and I spoke to the attorney at the law firm and he told me that this would be taken care of as soon as possible. Its still not done. XXXX XXXX has since left the attorneys office. I contacted them two weeks ago and they told me this would be taken care of. I called the court yesterday and still nothing has been received. I need this handled as soon as possible. Please look into this for me or Im going to have to file something through social media. I can not deal with this anymore. It is a lot of stress and anxiety.

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