Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5992335
Complaint Overview
Complaint ID: 5992335
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Received unsolicited financial product or insurance offers after opting out
State: Tennessee
ZIP Code: 37040
Date Received: 2022-09-17T12:00:00-05:00
Date Sent to Company: 2022-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Lowes credit card services from the moment I got the card some very strange things have been happening on it. Ive received emails about inquiries into my credit report even though Ive only had the credit hard 7 months. Out of any of my card this one is always sending me random email and purchases I didnt make unlike the other ones. It now check my credit without contacting me and then sent me a letter via email that stated my credit card was changing even though I never authorized this. I was suspicious before this happened but now this confirms what I had been worried about. They accessed my credit report without my authorization. Im contacting the company as well to tell them I do not want to deal with them anymore and they have no right to continue to do this. Also the emails I receive have links that dont go anywhere. This happens with most of the emails they send but this one had an identity thief link that didnt work. The reason I know this isnt normal is no other company has done this. Another reason is the companies have to ask for authorization before they accesses my credit report lowes is the only one who never does and did.
Frequently Asked Questions
What is Complaint #5992335 about?
Complaint #5992335 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-09-17T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.