Consumer complaint received 2020-11-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020- XXXX XXXX received an alert on credit report saying her XXXX XXXX XXXX account has been closed with a balance still revolving. 
The account has never been late ( more then 5 days ) ever, never has had a missed payment for the life time of the loan two years ago. 
XXXX XXXX has numerous accounts w synchrony bank and has again a hundred percent payment history on her credit report even after having her marketing company severely impacted due to the pandemic. 
The other cards for synchrony include XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX with the XXXX XXXX XXXX being the last and final one opened ; XXXX XXXX has been impacted severely due to the pandemic having a non essential marketing company. Before all this happened with the pandemic in XXXX of 2020 XXXX XXXX credit score was at XXXX its now down to XXXX solely because of synchrony bank. As XXXX XXXX pays her cards down every month since this pandemic has started it can be fully proven that all synchrony account limits are lowered as Mrs XXXX pays her cards. Destroying her credit utilization no matter what she does due to no fault of her own. All cards have been paid down, while Mrs XXXX had to beg and borrow to keep her score from being impacted its being destroyed by this company constantly for no reason at all, synchrony claims they closed my XXXX XXXX XXXX account due to my credit limits and my usage being too high, however again it can be fully proven that every time Mrs XXXX pays down her cards from this bank they lower her limit bringing her right back to where she was before sinking her credit. Every account that has been listed in the beginning has had the limit lowered, no missed payments, during a pandemic. Why is this happening? The rep at synchrony informed Mrs XXXX they are doing this to a lot of people and thats extremely unconstitutional. 
Synchrony bank also states Mrs XXXX card was closed due to her not paying enough off of her cards, so the question here is that its doesnt matter if someone is making a payment again during a pandemic where there income is very limited this company is allowed to just close their account because they have decided Mrs XXXX isnt paying enough to their liking?. XXXX XXXX has also paid off the highest card balance on her credit to XXXX and shes just having her credit depleted by this company for no reason at all. 
Synchrony bank took Mrs XXXX agreement of a 5 year no interest when this account was opened to a same month payment not even sure how or why. The furniture that was purchased was garbage and returned at that time the new item was more Mrs XXXX at that time never ever applied for more credit but used the credit that was available from what was paid on her account. A new term was not ever discussed however they did not put Mrs XXXX in one term but 2. They state they never had the credit from XXXX XXXX XXXX on the account while Mrs XXXX provided the email from corporate, they changed her payment from {$25.00} per month to more then double to {$75.00} a month when again the only term and contract Mrs XXXX agreed to was when the credit was given the first time. Mrs XXXX was explained by the rep that she has 2 purchase and 2 terms. How is this not illegal? Mrs XXXX can not refinance her home due to solely synchrony bank, she can not get a new vehicle for herself and XXXX children while her current vehicle has issues and a $ XX/XX/XXXX monthly payment. Why was this done to her? Why can a responsible consumer whom has never missed a payment, never been late, a consumer whom is sucking wind during a pandemic be treated in such a way. Everything synchrony bank listed on the form is absolutely false accept for the one that states all balances and limits are too close, its fully proven only with the synchrony accounts that is the case and the issue because of what they are doing to Mrs XXXX. It states Mrs XXXX has too many inquiries on her credit report, when again fully probable there has never been any cards opened this year, applied for, nothing so anything they are in mention of is before the XXXX XXXX XXXX card was open and they were fully aware when it was opened. They claim Mrs XXXX real-estate and credit cards are too close, most debt on cards are at $ XXXX and the home is worth {$450000.00}. This is sickening, and Mrs XXXX will go to every government agency every XXXX man everyone who matters to document all issues so when a lawsuit is filed it will be filed for breaking contracts, fraudulently putting consumers in contracts, ruining consumers credit scores for no reason, all legal fees all damage, all time taken from Mrs XXXX. 
Also synchrony deferred Mrs XXXX payment for XX/XX/XXXX, XXXX XXXX did not see the message and made the payment she called right away asking for it back they refused she also at that time asked how she got from {$26.00} per month to now {$110.00} and the rep informed her thats her payment. Mrs XXXX then asked the rep why the late fee was in there and included the rep informed her no it was not a late fee. It was a late fee and they refused to send the payment back and still never deferred any payments on the account and never credited the late fee on a payment again Mrs XXXX has in writing was deferred

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 monetary relief