Consumer complaint received 2017-12-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Within the past few months Synchrony Financial has consistently been lowering my credit limits to what is owed without my knowledge! This is lowering my score since the available credit is no longer there.Those that have been paid Synchrony has closed, again without my knowledge! The mix of losing available credit and closed accounts has had a major impact on my credit score! After reviewing my credit reports I have found that Synchrony is being very unethical if not borderline Fraud in their reasoning, stating " Number of accounts with delinquency '' What accounts?

" Time since delinquency is too recent or unknown '' Because there are none!!!

" Number of inquiries was a factor in determining score '' Purchased 2 new vehicles, Dealerships are to only be counted as one inquiry!

Proportion of balances to credit limits are to high.. really, that 's what happens when you decrease ones credit limits to the balanced owed! 
It won '' t allow me to attach my credit reports but here is a snapshot of my accounts Standings : XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX-XXXX Reported : XXXX XXXX, XXXX + {$3700.00} In good standing XXXX/XXXX Reported : XXXX XXXX, XXXX + {$2700.00} In good standing XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$1600.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$9000.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} In good standing XXXX XXXX  Reported : XXXX XXXX, XXXX + {$400.00} In good standing XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$17.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$590.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$8200.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX./XXXX Reported : XXXX XXXX, XXXX + {$1400.00} In good standing XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$990.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$3400.00} In good standing XXXX  XXXX Reported : XXXX XXXX, XXXX + {$2800.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1800.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$650.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$1800.00} In good standing XXXX XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX + {$900.00} In good standing XXXX Reported : XXXX XXXX, XXXX Closed Gas Card XXXX Closed Veicle repair card XXXX Closed Vision and  eyewear XXXX XXXX Closed Tire store where I get oil changes and service These accounts were all in good standing and Synchrony chose to close them

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