Consumer complaint received 2021-02-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went online to pay my account monthly payment today. This is my XXXX account with Synchrony bank. To my surprise, I saw a message saying that my account had been closed. I was appalled as I make regular payments on my account and have had it for several years. When I called, they said the account was closed on XX/XX/XXXX and no one could tell me why specifically. A representative said something about a credit report. I have all payments showing on time on my credit report and have been rebuilding my credit successfully for years now. 

I would like to say that I believe Synchrony Bank engages in discriminatory practices. For example, I have several accounts with them that I pay ontime, however when I try to get a credit line increase I am constantly denied. I mistakenly paid my XXXX credit account a few days late XXXX month -- this has been more than a year ago and they reduced my credit from {$600.00} to {$160.00} which is embarassing and damaging to my credit. XXXX has no reason to be picking on me and I am asking that they stop. I would like to be eligible for credit line increases on accounts I am paying in a satisfactory manner, have my XXXX account RESTORED, and also to not suffer further harm or damage to my credit. When accounts are closed it is adverse on the credit report as it is when credit lines are reduced. I have tried to get my XXXX account credit line back unsuccessfully. I think I am being picked on because I have an XXXX last name ( XXXX XXXX and this is DISCRIMINATION AND DISCRIMINATORY PRACTICES are going on at Synchrony bank that need to be looked into by CFPB. 

I am on the telephone right now with a supervisor filing a local complaint with them about this. His ID is XXXX. He could not access any information related to why my account was closed. Your assistance is needed because I don't want them to close any of my other accounts. I have good credit. I just opened a XXXX credit account XXXX days ago and I am very responsible in paying my debts. If XXXX pulled a credit report on me and closed my account the question is why are they pulling a report? I did ask for any credit line increase on my XXXX account. What prompted this? Discrimination!!!!!!! 

*I did suffer a job loss back in XXXX which caused me to be unemployed for the first time in decades of my adult life, and had to file bankruptcy in XXXX. I believe that Synchrony could also be flagging my accounts for some reason ; they gave me new credit as I started to rebuild after my BK XXXX, however they appear to somehow be still flagging me for no good reason. Again, I have been rebuilding my credit and have had no problem with timely payments. THERE WAS NO REASON FOR THEM TO CONDUCT A CREDIT REPORT OR TO CLOSE MY ACCOUNT. 

This will further damage the XXXX XXXX I am working hard to increase because I will lose a credit line that I don't deserve to lose. This is my second time filing a complaint against XXXX. The same thing was happening with my XXXX 's account : repeated refusals to increase the credit limit and someone in the corporate office did take action to handle that matter. Since that time, if I go online and try to increase a credit limit on any of their accounts, same denial.

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