Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My name is XXXX XXXX. I am filing a complaint against Synchrony Bank ( issuer of the Lowes credit card ) and Lowes XXXX XXXX for mishandling my personal information, refusing to resolve a dispute of about {$4000.00} on my account, and allowing unknown third parties to contact me for payment that I did not authorize. 

On or about XXXX XXXX XXXXXXXX, I received a box delivered by a shipping carrier ( either XXXX or XXXX ). When I opened the box, I found several pieces of paper that had been balled up and stuffed inside. When I uncrumpled and reviewed them, I saw that they were Lowes account or transaction documents containing my personal information and account information. These papers were loose, damaged, and not properly secured, which exposed my sensitive personal and financial data.

After discovering this, I contacted Synchrony Bank and Lowes multiple times to report the incident and to dispute an amount of approximately {$4000.00} that I believe is incorrect or improperly handled on my Lowes/Synchrony account. Instead of working with me to fix the problem, Synchrony and Lowes have given me the runaround and have not properly investigated or resolved my dispute. I believe I am owed about {$4000.00} because of errors or mishandling on the account, and their refusal to correct it. 

Following this situation, I began receiving contact from a company I do not know, trying to get me to pay through payment apps. I never gave this company my information, never agreed to work with them, and never authorized Synchrony or Lowes to share my information with them. This raises serious concerns that my personal data was shared or exposed without my consent and that I am being targeted for collection by an unauthorized third party.

I believe Synchrony Bank and Lowes have : Mishandled my personal and financial information by sending my documents in an unsecured and careless way.

Failed to properly investigate and resolve my dispute about the approximately {$4000.00} on my account. 

Allowed or caused unauthorized third-party collection attempts through payment apps from a company I do not recognize. 

I am very concerned about possible violations of my rights under consumer protection laws, including those related to fair billing, data privacy, and debt collection. 

What I want I am asking the CFPB to : Investigate Synchrony Bank and Lowes for their handling of my account and my personal information.

Require them to correct my account and remove or reverse the disputed amount of approximately {$4000.00}. 

Require them to stop any unauthorized thirdparty collection related to this matter and to confirm in writing that my personal data has been secured and is no longer being shared improperly. 

Provide appropriate compensation for the harm, stress, and risk caused by the mishandling and exposure of my personal information and the improper handling of my account. 

I can provide photos of the box and documents, as well as any communications with Synchrony, Lowes, and the unknown company contacting me for payment.

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