Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
State: MI
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:
It's sad and pathetic that Consumers have to now pay to have our credit LOCKED due to agencies andvthe Fair Crefit Act allowing XXXX Companies like Synchrony Bank to pull your credit whenever they want to. I have to now start over saving for my dream home because i lost nearly everything and have had to rebuild my Life after the Identity Theft. This is now the second time Synchrony Bank have pulled my credit without my CONSENT. I paid my Care Credit Card off in XX/XX/XXXX. Synchrony Bank closed the card in XX/XX/XXXX after they checked my credit for the second time without my CONSENT then sent me a letter AFTER THE FACT. A Consumer 's credit should ONLY be pulled if the customer request a credit limit increase or something else and they're made AWARE of it NOT after the fact then you send the customer a letter AFTER THE FACT you already had checked their credit ahead of time. I NEVER requested a credit limit increase and i usually don't with any Company especially after i seen how shady Synchrony Bank Truly is and how they Penalize customers for being a victim of identity theft, paying your account off and on time, and for not using your card unless you have to. We all may have made mistakes in our Lives with our credit but some of us like myself learned from my mistakes and now i take even more PRIDE in having good credit. Agencies like the CFPB and many others allow Companies like this to get away with anything and do nothing to protect the CONSUMERS. XXXX, XXXX, and XXXX are 3 Credit Bureaus that also need to be invedtigated for helping Companies like Synchrony Bank ruin your credit that you work hard to keep in good standing. 

On Saturday XXXX i received a letter from Synchrony Bank which i included a screenshot of in this complaint telling me they closed my Care Credit Card account. I paid off my card in XX/XX/XXXX. I've NEVER requested any credit limit increase i only paid the bill once they Prnalized me for being a VICTIM. I ONLY got the card to pay for Medical Needs if my insurance didn't cover something. In XXXX i lost just about everything due to unforseen circumstances that i had no control over and i've had to start all over. I also in XXXX was a victim of Identity Theft. Synchrony Bank then Penalized me for being a victim when i told them i was a victim of IDENTITY THEFT. Instead of working with me like other Companies Synchrony Bank Penalized me by lowering my credit limit on my Care Credit Card from {$970.00} to {$230.00}. The credit limit was so low that i couldn't even pay for the part of my important medical procedure that my insurance didn't cover. Yet Synchrony Bank didn't give one XXXX about my XXXX and a much needed procedure that i couldn't pay the other balance for. One of their agents even laughed on the phone in XXXX when i called and thought it was funny that i was about homeless with my kids. HOW DARE THIS COMPANY!!!!!! 


Companies do whatever they want to Consumers because agencies like the Consumer Protection Bureau and other agencies like the XXXX, the FTC, Etc. can care less what these agencies do to us the Consumers. The CFPB and other agencies are simply paid off to make these complaints go away. Companies shouldn't be allowed to simply close an account even if you aren't running up the card nor should they be allowed to check your credit whenever they want to unless you request a credit limit increase.

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