Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A couple months, around XXXX of 2022 I went to check XXXX of my Synchrony accounts like I normally do and I noticed that this particular store charge account had been closed, I checked another and it was closed so I checked all of them and they had closed every single one of my accounts I had with them. They were all open and current the day before and the next day all XXXX of my accounts with them were closed for no valid reason at all. I was totally current and up to date with every payment, there was not XXXX of my accounts that ever had a late payment or anywhere close to being maxed out. In fact I had a couple of cards that were paid completely off previously. I always requested credit limit raises because it increases my overall available credit which brings my credit usage down and improves my score. I called Synchrony in XXXX to ask why they had closed my accounts and was advised that my actions of requesting credit limit raises was indicative of someone who plans on not paying off their debts. I was completely speechless as I have never been late on any payments with them or any creditors and not XXXX of my cards was even remotely close to being maxed to the limit. I am still currently paying off some Synchrony card balances and still have not missed XXXX payment. I decided to let it go and just reapply for a few of the cards at a later time. I wait until around mid XXXX of 2022 and reapplied for the XXXX XXXX card because I have XXXX cellular service and this saved a little money having it. I submit my application and was quite surprised to see it say that my application was submitted and I would receive a letter in the mail or an email with their decision. I could not understand how they looked at my application yet my credit report was not pulled. I monitor all three credit bureaus very closely and see even the slightest changes, but there were no inquiries from Synchrony. I was completely baffled so I tried to apply for another card I used to have that was closed and received the exact same result. I tried for another card that had been closed by Synchrony and same result and no inquiry on my credit report. I received emails about a week later with what I assumed was their reasons for denying my applications but could not even open them for some reason. I received XXXX letter in the mail for XXXX of the cards I applied for, it was the XXXX 's card application and the only reason stated on that letter for denial was that I recently had an account that was closed. I could not believe what they were doing to someone that was never late on any payments or even close to a maxed out account. I decided to try again at a later time and hope for a different outcome. Today is XX/XX/2022 and I applied once more online for the XXXX XXXX and received the same result. After applying, the letter said thank you for applying, you will receive a letter with our decision. There was not an inquiry on my credit report once again. I feel like they've black listed me. They just automatically deny me without so much as an inquiry into my credit and base their decision on that.

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