Consumer complaint received 2023-11-26
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing this letter concerning XXXX of my credit cards. That are through Synchrony bank this all started in XX/XX/2023. 

When someone from the bank listened to my story. Regarding flooring done by XXXX 

She suggested and filed a disbute against them. XXXX XXXX  ) In the process I received a letter stating that I was not to make a payment. 

On the amount under investigation. Until there was a decision. 

I misunderstood the letter and did not make a payment, on the entire bill. My first time. 

Let me say that every action that was done in this process. I found out the results via credit karma sending me alerts. And later receiving a letter from them. 

I received an alert from credit karma that I had a XXXX point drop on my credit. 

Credit limit had dropped from {$1900.00} to {$1000.00}. 

But the reasons made know since, I sent an inquiry to the corporate office of the president. 

I spoke with someone from XXXX who said that the reasons given was not their doing. 

Even though the letter bared their name and address, and that they were not reasons in their opinion to decrease the credit limit It was put under investigation and I would receive a letter. Concerning their investigation. 

The charges were reversed by the bank in my favor and then they were reversed again in the banks favor. 

Shortly after that I received an alert once again from credit karma, stating another decrease. 

This was my TJMaxx that was {$1000.00} and reduced to {$250.00}, they stated XXXX of the reasons as I didnt have a mortgage. 

At this point I began to feel like I was dealing with retaliation and discrimination. 

They finshed with their " investigation '' which consisted of them using the waiver. That did not sign from the floor installer. Which bore the intials of my XXXX XXXX XXXX XXXX child. 

The flooring company manager from XXXX, said that this was not how they did business. 

He did come out and stated that the installment was done incorrectly and promptly went to make the situation right. 

I finally spoke with the person from the president office at Synchrony bank. Even today as I write this letter. I'm not sure why she called me. 

XXXX XXXX the represetative from the president office was rude, nasty, and very condescending. 

She was not willing to answer my concerns of retaliation. Because she believed that they were right because I missed a payment. 

Other then to say that retaliation and XXXX bias doest happen. XXXX XXXX kept saying. " Those are XXXX  issues not ours. 

She would ask me questions about what happened and then cut me off. She made statements like it is the responsibility. 

Of the consumer to read the information before accepting the credit card. She was very short and she left me feeling. Like I was a liar and a XXXX consumer. I was angry, exhausted and hurt. And cried alot throught this process. 

I finally aasked her why did she call me, if she knew what she believed to be true. And already knew their decision. 

Fast forward on XX/XX/2023 I received another credit karma alert that I had another credit card to decrease. 

It was for an air coditioner credit card XXXX that was {$5000.00} that was dropped to {$250.00}. Which I never used before. 

I can't wait to see the reason for this decrease, after being sick from XXXX. I was able to build my XXXX XXXX up. 

It has taken me several years to get my credit together. In a matter of a little over a month. 

This bank has deatroyed and walked awey without any thought. How they have ruined my credit and left me to pick up the pieces. 

And they said that they don't operate out of retaliation or practice discrimination. It sure looks that way to me. 

The fact that these XXXX cards have been affected, Scares me for the other cards I have with this bank. And my credit. 

XXXX needs to be made aware of these types of practice. 


Thank you, XXXX XXXX

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