As I posted before this keeps happening to me and now for the 4th time. This activity does hit your credit report as a declined for lack of identity. Synchrony is suppose to submit you called and application was not you and action should be removed from your credit report. Synchrony say the only place a application can be submitted is from paypal period. My account has not been breached in any way but it is obvious one can open a duplicate account on paypale in your name and address. These people get a email telling them the exact words on your official letter you receive in the postal mail. By that letter they know you have good credit so they keep trolling the net trying to find the correct answers they get wrong on the application. No way to reach paypal to remove the fake account and stop this because paypal does not care period. Also even if you cancel your paypal account this will not stop! What needs to be done is to start a class action law suit!
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