My husband received 2 credit cards in the mail that he had not applied for. He immediately cut them up. A week later we received a letter in the mail from Synchrony Bank saying to call them as soon as possible and to use a one time passcode to verify that it was my husband. This time my husband called the bank only to learn that someone was using that account and had been charging large amount. They have a $0 Fraud liability and would not tell us how much was charged, but we pulled up my husbands credit report and learned that the bank had opened an account for $20,000 line of credit and $18,000 had been charged.Everyone needs to know that if you receive an unsolicited CC call the bank immediately. Unauthorized charges hurt the bank. We have changed all our passwords to our bank accounts and put a freeze on our credit bureau account.