Consumer complaint received 2018-05-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I went to XXXX Home Improvement Store in XXXX XXXX XXXX Fl # XXXX to look for a Lawn Mower, As I was looking at a particular model and associate came over and said if you open a XXXX credit account you can save XXXX.I state I just bought home and I am not sure f my credit availability.He stated he could check to see if I qualify. 
He ran my credit and said you have a XXXX score and qualify for a XXXX limit! 
I said O and spent about XXXX. They gave me a temporary card.Over the next few weeks I purchased some additional supplies bringing my total balance to about XXXX. 
Lowes/XXXX XXXX kept claiming they sen card to me but I never got one.Finally a card did arrive and on or about XX/XX/XXXX I made my first payment ON TIME to Synchrony. 
On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my account was closed due to credit issue based on a score of XXXX as of XX/XX/XXXX. 
I called XXXX, but was told this was an issue with XXXX XXXX. I called XXXX XXXX   on or about XX/XX/XXXX and was advised it was based on report by TransUnion.I a I called XXXX and spoke to XXXX a Cust SvcRep. who stated that as of XX/XX/XXXX my score was XXXX and they had no indication that in fact my score was that low ( XXXX ) on or about XXXX. Again I Called XXXX XXXX and asked them to re-score my account, Rep stated " they do not do that ''. 
I Then wrote an Email to XXXX XXXX President of XX/XX/XXXX. Stating the following : Good Morning XXXX XXXX On or about end of XX/XX/XXXX I went to your lowes store in XXXX XXXX XXXX Florida to look at Lawn mowers as I just purchased a new home. 
The Associate there indicated he could save me XXXX if I applied for a credit card. I did and it was approved for XXXX limit. after I make a few more purchases and making my first payment I received a letter stating that based on my Credit account review and a XXXX   score of XXXX as of XX/XX/XXXX i did not meet your standards. Question!! 

I just received a Mortgage for XXXX ( no bank is giving that if you have below XXXX score!!! 
Why at store did you approve for XXXX if concerned why not XXXX or start at XXXX Today I called Your customer service to tell them XXXX who I spoke with confirmed my score today at XXXX! and stated that score has been steady since mid XX/XX/XXXX, So unaware of how your bank arrived at Score!!! They at your bank said that that the score they have, I ASKED THEM TO RUN SCORE AGAIN THEY SAID THEY DONT DO THAT!!! 
I just made my First Payment!!! 

Govt Fair Credit agency will get copy of this!!! 

So my quess is that I have been Scammed, You let me apply run up XXXX then canceled account once I bought Items so I could not but more just to sell lowes lawn mower!!! Pretty Low Trick.I I plan to cut card, go to Home depot and pay cash and post to all friends on FB etc  what you do. I am Senior Citizen and if thats the way you treat us in Fl you wont get FAR!!! 

Don't expect an answer why would you bother!!!! 

XXXX XXXX XXXX-XXXX I further filed a complaint with the better business bureau and on or about XX/XX/XXXX o XX/XX/XXXX received a call from XXXX XXXX XXXX XXXX Office of The President XXXX XXXX XXXX 
That she would follow up and in 24-48 hours I would have an answer. 
Subsequently I recieved notice from XXXX that my score had been adversely effected to the point of XXXX point drop due to synchrony closing my account for credit issues!! Even though I am making payments.! This has greatly negatively impacted my credit score! 
I Called XXXX XXXX on XX/XX/XXXX and left a message and sent follow-up emails on the XXXX.On XX/XX/XXXX M Prizkau called and said it would be another 24-48 hours to investigate.on XX/XX/XXXX I sent another email asking for updates.XXXX XXXX called I believe on XX/XX/XXXX to tell me nothing knew just excuses. 

This all leads me to these questions and conclusions If my XXXX XXXX was 700appx o XX/XX/XXXX as stated by Synchrony then how did it get to XXXX on XX/XX/XXXX when XXXX shows it at XXXX. 
If my score was close to XXXX as you state on XX/XX/XXXX how did you approve my card and give me XXXX limit and why when I am making payments already did you not lower credit line to say XXXX I firmly believe this was a SCAM by Lowes and Synchrony to get people to open credit, buy and item then cancel their cards. 

I believe this to be credit fraud and present my case to you for your review Respectfully

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