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Can't use card to make purchases. In XX/XX/XXXX, my account was fraudulently accessed and used. After I became aware of this, I contacted JCPenney Credit Services/Synchrony Bank to report that I did not use my account at any time during the month of XXXX. I was assured that I would hold no liability for the fraud because the bank has zero fraud liability. When the fraud was discovered, the account ( 1st account ) was closed and a new account ( 2nd account ) was opened. JCPenney Credit Services/Synchrony Bank transferred the balance I owed from account 1 to account 2. The balance transferred was XXXX. This should be the balance reported to the credit bureau however Synchrony has reported a balance of {$1500.00} which included fraudulent charges and interest charges on those fraudulent c