Consumer complaint received 2018-03-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In the fall of XXXX I applied for an XXXX XXXX and a Lowes Card. 
My credit score was XXXX and I was given a {$1200.00} credit limit on my XXXX XXXX XXXX XXXX and Synchrony Lowes Card of {$1400.00}. 

I purchased a Computer for my son on XXXX for about {$1000.00} paid it of and used the card month to month for minor purchases. When I elected electronic statements I could not view it. To resolve the issue customer service had to request a paper statement. Later on I tried to make a payment online and had an issue again. Its seems if they give you a PDF format or Pop up the consumer needs to know how to allow the POP UP. The customer service agent could not assist me and I had to figure out the solution myself. I do not recall every carrying a balance or failing to make a payment. And when I was having statement issues I was told this would not effect my relationship which the provider. In XX/XX/XXXX the lowered by XXXX XXXX line to about {$120.00} saying I had miss handled the card which was not true. 

I applied for a Synchrony Lowes Card because it allowed me to the to get a 5 % discount on my Purchases. I am renovating my home to prepare for downsizing so I have been purchasing whatever my contractor needed and paying the balance off all accept one month I think I carried a {$200.00} balance over XX/XX/XXXX due to XXXX plans. 
XX/XX/XXXX I paid the balance of $ 900+ which which had XXXX aging on time. Three days later I went to use the card and the account was closed. 

Today I received a letter that they have closed my XXXX XXXX as well which has had a XXXX  balance for three months as I could not purchase anything with only a reduced credit line of {$110.00}. 

When I view my credit reports I only have disputed comments I make my payments ontime, my consumer data is not posted and incomplete. 

My Mortgage is Paid in full. 
My Utilities of average {$550.00} per month and are not recorded. 
I my personal vehicles Car, Truck and RV  are all paid for. 
I pay Auto Insurance of 4 vehicles through XXXX XXXX XXXX of {$220.00} per month ( 3 years never late ) I pay XXXX per month for dwelling insurance of {$380.00} XXXX dollars and {$190.00} XXXX dollars for ff & e ... content coverage. I pay XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1900.00} per month for medical insurance and have my account since XX/XX/XXXX. 

On the credit report I do have a XXXX XXXX XXXX which I have paid on since my daughter started at the the XXXX XXXX XXXX   ( 3 Years Never Late ). My daughter has no student loans as I help with tuition, books, housing, cell phone, auto and medical insurance, and allowance. 

On the credit report I do have one derogatory item which is valid that I can not control and that is my ex wife is responsible for paying all payments to XXXX XXXX on auto loan and I have had to catch it up twice in six months. 

When I reviewed XXXX XXXX Social Media Report Card I noted over $ XXXXsimilar complaints of canceling cards with XXXX   balances with no notice. No courtesy calls nothing!!! Please review : XXXX XXXX XXXX I have contacted Lowes about Synchrony behavior and will also copy my complaints to XXXX XXXX XXXX XXXX , XXXX XXXX , analyst at XXXX XXXX and other analyst as I think the behavior by Synchrony could affect Lowe 's EBITDA projections.

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