Consumer complaint received 2023-11-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Staring in XXXX on or about I started with the extension of credit. 
XXXX XXXX XXXX credit limit {$5000.00} perfect payment history and then when I finishing paying the balance Synchrony closed the account for no reason other then information pulled from credit bureau. This wrought me to not see this Bank the same anymore. 
The problem is that I had approximately 8 to 9 accounts all have suffered adverse actions This has led to a conglomerate of my whole credit file. 
The following cards are : American Eagle opened XXXX closed paid and in good standing low credit availability of XXXX which changed to XXXX City Furniture opened XXXX closed XXXX Ashley XXXX opened XXXX closed XXXX authorized user because I was in need to buy a piece of furniture and so my son had suffered opening and closing of account with a reduction of credit available of XXXX down to XXXX and then closed paid in good standing Synchrony Care Credit open XXXX has suffered a adverse of credit limit from XXXX to the limit I was in with a deferred payments which hurt my usage of credit again. 
Synchrony TJ Maxx opened XXXX with a XXXX credit limit to XXXX to XXXX in XXXX it was affected by adverse action with a huge decrease in credit and it was paid and in good standing Synchrony Paypal Credit opened XXXX suffered an adverse action of reduction of credit from XXXX to XXXX which is close to limit paying as agreed and never missed any payments as well. 
Synchrony Paypal XXXX opened XXXX credit XXXX down to XXXX closer to limit affecting ratio and definately affected my score. 
They single handedly controlled my who credit profile self serving themselves to my credit which is by all accounts through a security process for identity purpose not the surveilling of file to help themselves to my suffering of my own credit. I am very upset and this needs to be seriously investigated. I expressed my concern about the constant attacks to my credit file. This has come to attention in checking my report for all the errors and information all companies think is ok to place on my report. Not even 30 days go by and they jump on negative information like its gold. No chance to dispute no questions they just help themselves amongst each other like its there credit file and social security. So now I have realized that I have unlimited credit. Synchrony has been using my credit for their benefit. The credit is not for their benefit it is for my benefit to acquire household and living expenses which also includes my health with Care Credit. Why has Synchrony used these tactics of conglomeration like a syndicate of complete control of my credit. I believe this is the only bank that has practiced this constant attacks of my credit file. I have begun reading and learning about credit and securities and this is bordering like a scheme to increase and downgrade while the real security never gets downgraded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation