Consumer complaint received 2021-10-07
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:
Senior Specialist, XXXX XXXX, at XXXX XXXX, FL, location wrote a letter regarding my previous complaint trying to legitimize the illegal, unethical practices that resulted in negative reporting on my credit reports. 1 ) This company helped damage my credit beginning last XXXX after they randomly checked my credit, which no company EVER does. It is idiotic and unethical to check my credit when I already had the account. I have NEVER heard of this, NEVER experienced it, and NOTHING justifies this. 2 ) When they checked my credit at that time, they lowered my credit limit from {$1000.00} to {$740.00}, of which XXXX XXXX letter so absurdly & confidently mentions. This was the first step in damaging my credit. 3 ) I called them about this, and a rep was just as cold as she was, acting like it was nothing. This is sick. 4 ) They checked my credit AGAIN without my knowledge in XX/XX/2021 and this time randomly closed my account without my requesting it. XXXX, or whomever responds this time, you " reserve the right to review credit information '' UPON MY REQUEST! You DO NOT have a right to act in a manner that damages my credit reports or anyone else 's for that matter! Again, I have NEVER heard of or experienced such ridiculous, unethical, illegal business practices -- and I've seen others online complain on other sites about this same thing happening to them : damaged credit due to Synchrony randomly closing their accounts without the person 's knowledge and DESPITE on-time monthly payments up until the point they closed the account ( s ). In every instance, ONLY Synchrony is named regarding this BAD BUSINESS PRACTICE! You KNOW this is wrong no matter how well you try to explain it -- and you know the damage it's doing to people 's credit! What legitimate, upright company dismisses a customer 's on-time payments ( which XXXX admits to in the letter attached to the previous complaint ), then proceeds to damage their credit? 5 ) In addition to closing my ( XXXX XXXX XXXX ) account & DAMAGING MY CREDIT, Synchrony has the audacity to CONTINUE TO CALL ME, CONTINUE TO EMAIL ME, CONTINUE TO SEND ME BILLS, and CONTINUE TO TRY TO COLLECT, as if they did nothing and most of all, AS IF MY ACCOUNT IS STILL OPEN. Usually, customers voluntarily call to REQUEST an account review. Usually, even when that voluntary call happens, the creditor doesn't absurdly LOWER that customer 's credit limit. Usually, it's non-paying customers that automatically get their accounts closed -- after the creditor respectfully NOTIFIES the customer of missed payments. That was not the case with me : I was an on-time paying customer ( of which Synchrony didn't care about ) and was not notified beforehand that my credit was being checked and account being closed. This is insane and predatory. I am not giving this company a dime more of my money. I demand that Synchrony 1 ) stop calling me, 2 ) stop writing me, and 3 ) remove the account from my credit reports. That, or I sue for unfair, predatory, deceptive, and fraudulent business practices and damage done to my credit reports.

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