Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1 ) On Tuesday, XX/XX/2021, at approximately XXXX XXXX I proceeded to the XXXX 's Cashier Stand [ at the store # XXXX XXXX to purchase a faucet and its installation for {$220.00}. 
2 ) When I attempted a payment with Lowe 's Synchrony Bank credit card, the payment was declined, even though I had " {$0.00} '' balance on my credit card, and a credit line of {$5000.00}. Perhaps, it was an issue with the Synchrony Bank, and I wanted to call and ask them. 
3 ) Thus, the cashier [ at terminal XXXX ] advised me what to do. Instead of sending me to talk with customer service at the store # XXXX, where they could call and verify my credit card and available credit, The 'sales # XXXX XXXX '' told me that " There are only two associates in the store now '' and no-one could help me at the customer service. 
4 ) However, the 'sales # XXXX XXXX '' associate ADVISED ME TO GO TO ANOTHER REGISTER WHERE SHE, the 'sales # XXXX XXXX '' could help me. 
5 ) I assumed that the 'sales # XXXX XXXX '' associate would call the Synchrony Bank and inquire about the status of my credit card. 
6 ) INSTEAD, the 'sales # XXXX XXXX '' PUSH ME without informing me that she is placing a NEW SYNCHRONY CREDIT CARD 's application for me at the Lowe 's system. JUST AT THE END OF THE PROCESS, I realized that that was a new credit card application. It was too late. 
7 ) Should I be told about, I would never agree to apply for the NEW Synchrony Credit card, as I did not need a new credit, nor I would be approve for another credit.

8 ) Of course, my application, conducted by the 'sales # XXXX XXXX '' associate was declined. The 'sales # XXXX XXXX '' associate never INFORMED ME THIS IS A NEW CREDIT CARD APPLICATION! Synchrony bank " apologize but we are unable to approve your application., and will receive a letter within 10 business days. '' 9 ) AFTER THE DECLINE, I was shocked after I realized that the 'sales # XXXX XXXX '' associate just MESSED UP MY CREDIT [ ANY INQUIRY FOR CREDIT LOWERS MY CREDIT SCORE ]. I felt I was 'tricked '' by a Lowe 's associate and lied! IT WAS THE RESPONSIBILITY OF THE LOWE 'S 'sales # XXXX XXXX '' 9 ) TO INFORM ME ALOUD THAT THIS WAS A NEW CREDIT CARD APPLICATION. INSTEAD, I WAS JUST TOLD SHE, the 'sales # XXXX XXXX '' WILL FIX THE PROBLEM. 
XXXX ) AS A RESULT OF HER MISINFORMATION, AND WITHHOLDING THE TRUE INFORMATION, I HAD to use my LAST MONETARY RESOURCES/ other credit cards to complete my purchase " XXXX # XXXX on XX/XX/2021 at XXXX p.m at the store # XXXX ''. 
11 ) THIS WAS ABSOLUTELY UNNECESSARY, if LOWE 'S ASSOCIATE CONNECTED ME WITH THE SYNCHRONY BANK AND CHECK MY AVAILABLE BALANCE. THUS, LOWE 'S 'sales # XXXX XXXX '' associate MISLED ME to apply for a new credit. 
10 ) THE INFORMATION OF HOW MY SYNCHRONY BANK 's CREDIT COULD BE MADE AVAILABLE IMMEDIATELY to me WAS WITHHOLD FROM ME by the 'sales # XXXX XXXX '' associate. 
11 ) I LOST " % 5 OFF '' MY PURCHASE price, which is provided daily to all Synchrony credit card holders at Lowe 's. 
12 ) I am finacially affected by the customer service neglect and a wrongful information by Lowe 's associate/s. My credit score will be lower with minimum 20 points and stay as a record for the next year, and a record at the Synchrony bank. 
13 ) The 'sales # XXXX XXXX '' should inform customers ALWAYS when they, the associates suggest applying for a line of new credit.

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