I have been a Synchrony bank Gap card holder for 10 years I went to use my card when out one day and I was told it didn't work, I checked my account when I got home to find out it had been closed. Confused since I have never missed or been late on a payment. I called synchrony bank and they told me they closed my card due to insufficient funds which again i do not understand since I have never been late and typically pay in full I decided to check my credit report and see if anything was on there. Sure enough there was a collection agency that had a credit line debt of $7, 969 Knowing that since 2018 I have had alerts on my credit to call my phone number and my phone number only if credit was to try and be opened. I called and disputed this charge. They informed me that this account was opened in 2019 to a name not on my credit and to an address that has never been associated to my name and in a state my credit has never been associated with. This line of credit was opened through Synchrony bank on a Care Card that was used for Dental work. I can go through the leg work of having this removed but that frustrating part is that Synchrony bank opened a bad line of credit on my social security with no correct information matching my credit report (name, addres, ect) I was told by Synchrony bank that no humans do applications and that they are all issued through a virtual system. A system that apparently flags applications if there is more then one information field wrong. There was in my case but I was never notified. They told me that they notify the address that the applicate gives them, which as you can see is a problem because this address is fake and part of the fraud. My address is in their system with my Gap Visa and on my credit report but yet they never sent a letter to the social security holding mailing address. Synchrony bank does not protect its customers or any individuals from credit fraud and they don't care about closing down perfectly good lines of credit people work hard to establish based on their faulty systems and ability to open credit with no matching information.