Synchrony Financial Credit Card Complaint

Identity theft / Fraud / Embezzlement

Synchrony Financial Credit card department,

Identity theft / Fraud / Embezzlement Alaska

My ex-girlfriend explained to me she wanted to build her credit and had opened a credit card with Synchrony Bank who administers Care Credit for - and health related charges. She told me she had listed me as an authorized user on the account and asked me to charge my - on her card and pay her directly for the charges. This way she could build her credit rating which was poor. I agreed and had - performed and paid her several thousand dollars for those procedures believing it was her card alone and she was paying down the card as the charges came in. In reality, I later discovered she was only paying the minimum monthly payment and leaving the balance in full which was accruing at an interest rate of a usurious 29 percent!


not an authorized user. I was never informed of this. I immediately called my ex-girlfriend infuriated and demanded an explanation. She stated that she had never listed me as a cosigner, only listing me as an authorized use. I called Synchrony Bank and told them I was not a cosigner. Synchrony Bank stated I was listed as a cosigner via an online application. I told Synchrony to give me the account number and send me statements of the card and they refused to do so unless I changed the address for billing. I called my ex back and told her I would close the account and she stated if I did so she would never make any payments on it again and then balance was over - dollars at the time. She stated if I changed the account in any manner she would default leaving me the full debt. Synchrony stated I could close the account if I chose to however she stated that if I changed the address or closed the account she would default. She always maintained the account was her account and not mine and I had no right to change anything on the account! So, either Synchrony Bank has taken my information from an online application and changed me from a authorized user to a cosigner or the ex-girlfriend listed me as a cosigner not an authorized user without my consent. Either way I am a victim of identity theft and fraud. Synchrony bank refuses to release any documentation of the account to me including the account number unless I change the primary address on the account. I explained to them my ex threatens to default completely on the debt if I change the address. Synchrony bank continues to deny me any documentation although they have been informed of the consequences if I change the address. Synchrony bank claims it can not send out statements to me without removing my ex-girlfriends address from their billing list. I find that claim to be ridiculous in light of the circumstances. I believe Synchrony Bank has ulterior motives to get me to change the primary address to myself and this is why they refuse to send statements to - addresses. Thus, I have no documentation or even an account number to file.

Synchrony Financial customer in Alaska
Oct 17, 2016

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with explanation

Created with Highcharts 4.2.3Synchrony FinancialComplaint HistoryComplaints1/20162/20163/20165/20166/20167/20168/20169/201610/201611/201612/20161/20172/20173/20174/201702.557.51012.515Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3Synchrony FinancialIdentity theft / Fraud / Embezzlement44.3%12.3%43.4%Closed with explanationClosed with monetary reliefClosed with non-monetary reliefSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageIdentity theft / Fraud / Embezzlement0.9%57.7%17.4%13.6%2.6%6.8%0.7%0.2%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressUntimely responseSource: Consumer Financial Protection Bureau

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