Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Sale of account Arizona

On -/-/-16 I shopped at an - store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied


to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?