Credit card or prepaid card -- Getting a credit card -- Complaint #5933085
Complaint Overview
Complaint ID: 5933085
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: Sent card you never applied for
State: New Mexico
ZIP Code: 87124
Date Received: 2022-08-30T12:00:00-05:00
Date Sent to Company: 2022-09-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Good morning, As I explained in a fax ( sent on XX/XX/XXXX to the collecting company : XXXX XXXX because of the purchase of some XXXX made on Saturday XX/XX/XXXX at the JCPenney stores, it was not made by me. In other words, I didn't buy anything that day at these stores. According to the details, the purchase was made with a JCPenney credit card, but I don't have a credit card with them, so I couldn't pay using their card. I have never received a card from this company since I reside in New Mexico. Therefore, it is possible that someone used my identity to make me pay for this purchase. I reiterate that I have never had a JCPenney credit card. The last purchase I made in these stores was on XX/XX/2019 for {$38.00} and I paid for it with the only credit card I had at the time ( XXXX ). The purchase on Saturday XX/XX/XXXX is a ghost purchase. Respectfully, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5933085 about?
Complaint #5933085 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-08-30T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-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.