Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9389267
Complaint Overview
Complaint ID: 9389267
Company: Synchrony Financial
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: South Carolina
ZIP Code: 29615
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
As detailed in CFPB complaint ID # XXXX, on XX/XX/year> I spoke to Synchrony Bank/Trust XXXX XXXX XXXX and when asked the verification question " What was the model of your first car? '' I responded with both the make and model ( accurately ), but was told that response did not match the system so I would be required to complete a multi-step verification process ( even after responding with the correct model name only ). During the multi-step verification process I provided personal information before deciding to abort the process due to multiple technical failures ( see CFPB complaint ID # XXXX ). DUE TO THE FACT THAT THIS PERSONAL DATA APPEARS TO HAVE BEEN GATHERED UNDER FALSE PRETENSE ( given the correct response to the original ID verification question ), on XX/XX/year> I spoke to Synchrony supervisor XXXX to request that any personal data that was collected before the multi-step verification was aborted be deleted from whatever system it may still reside on ( to prevent its potentially being hacked for malicious use ). XXXX responded that she did not know if any of the data was retained or in what system it may reside, and she would need to investigate and get back to me. HAVING RECEIVED NO RESPONSE after over a month, on XX/XX/year> I attempted to speak to XXXX but was told she was unavailable, so I left a message for her that I would be filing a complaint with CFPB in my attempt to resolve the issue.
Frequently Asked Questions
What is Complaint #9389267 about?
Complaint #9389267 was filed against Synchrony Financial regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-06-30T12:00:00-05:00.
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 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.