Consumer complaint received 2018-06-15
Company: SYNCHRONY FINANCIAL
State: PR
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:
On XX/XX/XXXX, JC Penney sent a letter to me, XXXX XXXX XXXX, included in this complaint as part of the uploaded documents, in which they wrote that XXXX XXXX which administrates their credit card decided to reduce my credit limit from {$1000.00} to only {$370.00}, without contacting me as a customer before making this decision, and no matter I have an excellent payment history with them, as shown in the same XXXX XXXX Report Included, of today, XX/XX/XXXX, courtesy of XXXX XXXXXXXX XXXX and their XXXX XXXX website, see evidence included. 
Basically XXXX XXXX decided to use a credit score system to predict my creditworthiness, and decided that there are past due amounts on some accounts, and too high balances on credit cards, but, XXXX XXXX and JCPenney did not mention the following : 1. This problems are present in other accounts, not with JCPenney, in which my payment record is perfect ; 2. Banks like XXXX XXXX XXXX XXXX, listed my main credit reference, the mortgage loan, as affected by natural disaster, the well known Hurricane Maria who destroyed this Island of Puerto Rico, but JCPenney and their Bank, just mention their credit scoring system, nothing else ; 3. The main credit card with the problem of a past due balance, is my oldest credit reference dating from the year XXXX, a XXXX Credit Card, which has a past due balance, but XXXX is well aware of the problem which was discussed with XXXX several times, over the phone and in writing, and evidence of just one of those communications is included here. Simply this card was used under the emergency and the balance went over the limit, and XXXX is asking for a minimum payment that they know I can't afford, now more than 700 dollars ; 4. No matter, this same XXXX card with the problem keeps receiving payments on my part, but just the regular payment that can't fully update its balance ; 5.  The other XXXX card, a newer one, has a high balance but it is within the limits ; 6. I contacted JCPenney today, XX/XX/XXXX, with my Son XXXX XXXX XXXX typing in English on their online chat service, that it was unfair on their part to reduce my credit limit from XXXX to XXXX dollars, just because they predict problems, no matter my payment history with them is perfect, in spite of all the problems we have that they don't care at all, with this disaster already mentioned but not by them. 7. JCPenney informed in their letter of XX/XX/XXXX that my credit score at XXXX XXXX was XXXX on XX/XX/XXXX, but today XX/XX/XXXX my score at XXXX XXXX is just XXXX points, and by unfairly reducing my credit line at JCPenney they created the unfair situation that I had no credit with them available, making my credit score even worse, unfairly because my payment history with them is perfect, and that is not based on a scoring system and a credit report they used unfairly, and in a discriminatory manner against me as a matter of fact, my payment history is not based on predictions, but on a perfect payment history month after month, shown at XXXX XXXX even today XX/XX/XXXX. Is totally unfair that in the middle of all this, JCPenney allows this using unfairly my XXXX XXXX Credit Report : and Why they sent a letter dated XX/XX/XXXX, with reference of a credit report from XX/XX/XXXX? From 2 months before? JCPenney decided not to include a XXXX XXXX Credit Report from XX/XX/XXXX, probably because they unfairly contributed to lower my credit score even more with this action a reducing my credit line, for problems I don't have with them. This is discriminatory, probably due to my age, to tell you exactly what I think with my Son XXXX XXXX XXXX writing this complaint on my behave. Please see all the included evidence to support my claim, including the chat transcript of today, XX/XX/XXXX, where their XXXX XXXX Chat Representative asked me if I wanted to ask for a credit line increase, which is evidence that the chat representatives are not really aware of the problem, because another hard pull on my credit report under these circumstances will unfairly lower my credit score even more, I mentioned their Agent, that I understood he was not authorized to do anything, but he offered to file a complaint on my behave, that I had nothing to worry, after I announced I will formally complaint about this, please see the chat transcript, and the partial transcript which clarifies a part that I was not able to print on time because their web site logged out.

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