Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with XXXX yall service or vendor my picture id was lost and stolen and used for yall and and XXXX was used and I never did a hand signature with yall or yall service or vendor or a electronic XXXX online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take XXXX XXXX XXXX for a lawsuit if I have to after XXXX XXXX XXXX if XXXX XXXX XXXX this XXXX my end etc Update I need yall to investigate this because XXXX decision in XXXX XXXX isnt truth I never open a account with yall and the name dont match on my picture id and this is fraudulent please reopen the investigation and investigate again etc Update this account Account ending in XXXX needs to be closed too as fraudulent open I never open and investigate and dispute as unauthorized and fraudulent and dispute the balance I am not responsible for for {$13.00} and waive it to {$0.00} and fully close the account out and stop opening new accounts up for me under new account numbers I didn't authorize for a account look at the attached below etc. Update today I got a email I need this account number XXXX dispute investigative to be reopen and dispute as a fraudulent account I never open in my name and reinvestigated as a fraudulent account dispute I never open or authorized and waive all the due balance I am not responsible for the account ending in XXXX and fully close the account out and down without giving me a new account with a new account I didnt requested or want and for Account ending in XXXX I need that account to be also disputed as a fraudulent unauthorized account I never authorized or open and investigate and I need the balance to be waived from {$13.00} to {$0.00} because I am not responsible for it the agents told me but they never waive it to {$0.00} and need that account fully closed down without a new account number to be open up for me when I didnt open no account with yall or authorized XXXX for yall and the agent told me my claim was approved in my favor for XXXX and XXXX but the balance will be waived to {$0.00} soon but they never give me the account balance to {$0.00} or fully close my fraudulent accounts out without giving me a new account number I never open or authorized I been having this issues with yall for months now and almost a year now yall not fixing my issue I been telling yall I didnt unauthorized this accounts or authorized the purchases so dispute them purchases for fraudulent unauthorized because I didnt do it and look at my attachment below please etc. Update please reopen the dispute for account ending in XXXX and investigate it again because it was supposed be returned in my favor and I got this letter saying I was the XXXX to authorized it but I never did it is fraudulent etc.look at XXXX XXXX Update please investigate account ending in XXXX and report and dispute it it as fraudulent because its is a unauthorized account in my name XXXX have name XXXX and XXXX name is XXXX not XXXX and XXXX got my ssn number in yall system for XXXX so please waive the account balance to {$0.00} and stop the billing on it and change the bill due date from XX/XX/year> to a date that it wont bill and stop billing or do both and return the dispute in my favor for the unauthorized account I never open etc.And also add it to XXXX XXXX and also remove the account off all my credits reports for all XXXX credits bureaus and stop making new accounts with new accounts numbers for me when I didnt authorize yall for a account in the first place and stop reporting to the credit bureau on my report with XXXX XXXX numbers so please update my account report etc. Update do the same thing to account ending in XXXX etc. New update for today please reopen this dispute for account ending in XXXX and investigation it again or fill a new dispute unauthorized fraudulent unauthorized dispute for it again because I never sign up for a card with y'all or never use it at a partner store or partner service location with yall and my social security number card was stolen and picture identification card was stolen until I have replaced both of them and they are using my ssn number without my permission and my picture identification without my permission it could been a issue someone got my ssn number and my picture identification card and my security social number card when it was stolen and they used it to apply for a card with yall and have used it at XXXX partner store location because my name is XXXX XXXX not XXXX XXXX and they are using my ssn is XXXX so when XXXX investigate it again please ask for new evidences not old evidences and dont use old evidence for the new dispute fraudulently unauthorized account open investigation claim dispute and and favor this dispute claim in my favor by law and removing the account off my credit report by all XXXX credit reporting bureaus who is reporting it but still all XXXX credit report reporting bureaus by law because I didnt open this account it is a fraudulent account opening in my name when my documents was stolen and my informations was leaked in a hacked system data compromised attacked and used thats is why too please look at the attachment below etc.

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