Credit card or prepaid card -- Getting a credit card -- Complaint #4986043
Complaint Overview
Complaint ID: 4986043
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: Ohio
ZIP Code: 43035
Date Received: 2021-12-07T12:00:00-05:00
Date Sent to Company: 2021-12-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My wife tried to use my Dicks rewards points when making a purchase without me at the store. My wife thought my dicks rewards covered the bill, but the store clerk supposedly opened up a credit card in my name without my approval or being present. My wife did not ask to open a card. This is illegal! I had no idea a card was open in my name with a {$150.00} balance. I did not know I had the card for a while till I opened up a bill later from dicks. I called dicks and reported the card as fraud, asked it to be cancelled. After working with fraud department and and talking to my wife I figured out what happened. My wife is an XXXX not a XXXX XXXX XXXX XXXX She can afford to buy anything she wants. Synchrony told me that they would freeze the account and may reimburse me. I the end, I ended up having to pay {$240.00} for a {$150.00} bill on a card I did not open or want to stop the synchrony fees. I could not pay the card balance while the fraud investigation went on per Synchrony, but they stuck me with fees at the end. A store employee should not be able to open a credit card in someone's name without their approval or being present. Synchrony should not assess fees and interest on a card I can't pay off in an investigation. Synchrony should not have wasted many hours of my time in phone loops, back and forth between their teams and hang ups. I was ripped off.
Frequently Asked Questions
What is Complaint #4986043 about?
Complaint #4986043 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2021-12-07T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with monetary relief". 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 or prepaid 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.