Credit card or prepaid card -- Getting a credit card -- Complaint #5713783
Complaint Overview
Complaint ID: 5713783
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: Colorado
ZIP Code: 80260
Date Received: 2022-06-27T12:00:00-05:00
Date Sent to Company: 2022-06-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I opened a Low 's credit card XXXX I purchased a refrigerator in the amount of {$1700.00} on XX/XX/2021 even though I had not received and merchandise since the refrigerator was on back order, they charged my card immediately not having been delivered the merchandise. months passed with no refrigerator, so I canceled my order and was refunded. At that time the card had nothing on it. about 2 months ago I went to make a small purchase on my card at Lowes store # XXXX XXXX XXXX Colorado and my card declined so I called the direct # on the back of my card to customer service. They told me my card was closed due to possible fraud. So, I was transferred to the fraud department, and they told me they were going to send a new card. At that time, I found out my account was closed and re-opened a new card with a Georgia address. and she asked me about the {$7700.00} charge I had made there. I have never been to Georgia in my life. At that time the fraud department assured me not to worry that they caught the charge in time, and a new card would be issued, and I should receive in approx. 1 to 2 weeks. Never received new card. I called once again today to Lowe 's to inform them I had not received my card in the mail only to find out they had transferred the {$7700.00} charge to my new card when the already knew it was a fraudulent charge. The first lady I spoke to first was asking me very strange and suspicious questions as if she was trying to get me to say something that I should not say. The whole thing was very weird. Then I was transferred to the Fraud investigator 's I talked with XXXX I explained my discomfort speaking with the previous lady. I asked for a case # she said I would receive that in the mail. I then asked how I identify my case if I have to call back? She said use your new card #, I said I do not have a new card # so what is that? so, she said just use your old, closed card #. I'm thinking to myself this makes no sense. I told her I am not paying anything on tis card, she said, the balance will still transfer to the new card, but I don't need to make any payments. At this point I am not sure what to expect. Thanks
Frequently Asked Questions
What is Complaint #5713783 about?
Complaint #5713783 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-06-27T12:00:00-05:00.
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.