Credit card -- Getting a credit card -- Complaint #17993818
Complaint Overview
Complaint ID: 17993818
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: New Mexico
ZIP Code: 88001
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I visited a JCPenney store to purchase clothing. The cashier asked for my drivers license, stating it was needed to apply a discount. I provided my ID only for that purpose and did not give consent to apply for any credit card. I never provided my Social Security number, never signed any credit application, and was not told that a credit card application was being made. On XX/XX/year>, without my knowledge or authorization, a XXXX credit card account was opened under my name by Synchrony Bank. I discovered this only after seeing the new account appear on my credit report. This unauthorized account negatively impacted my credit profile and caused confusion and stress. I immediately contacted Synchrony Bank and requested closure of the account as unauthorized. They told me it may take up to 60 days to remove it and will send me a letter in 710 business days. I want this account and the associated hard inquiry removed from all credit bureaus as it was opened without my consent. I am requesting an investigation into this unauthorized account opening by JCPenney/Synchrony Bank .
Frequently Asked Questions
What is Complaint #17993818 about?
Complaint #17993818 was filed against Synchrony Financial regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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.