Credit card -- Getting a credit card -- Complaint #14936399
Complaint Overview
Complaint ID: 14936399
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: California
ZIP Code: 90024
Date Received: 2025-07-28T12:00:00-05:00
Date Sent to Company: 2025-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> ( XXXX PM PT ), I purchased a mattress at Living Spaces XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Order XXXX ; associate XXXX XXXX XXXX XXXX In the store, 0 % financing was presented and I was asked to enter information on an XXXX. Throughout the process, the associate repeatedly emphasize this is a " financing program '' and did not disclosed that the promotion required opening/using a Living Spaces Credit Card ( Synchrony ) at all. After the purchase, I discovered a new account and a hard inquiry on my credit report. I respectfully request CFPBs assistance to : ( 1 ) have Synchrony close the account ; ( 2 ) remove/recall the hard inquiry ( or provide a letter I can use with the bureaus ) ; and ( 3 ) confirm I owe no fees. I can provide my receipt/order, a sameday conversation recap or anything information that would be helpful, thank you. Since this happened today, I haven't received any notice or confirmation letter from Synchrony Bank yet about the credit card application.
Frequently Asked Questions
What is Complaint #14936399 about?
Complaint #14936399 was filed against Synchrony Financial regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-07-28T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.