Consumer complaint received 2015-03-29
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a Sam 's Club credit card at the XXXX Sam 's Club in XXXX on XXXX XXXX, 2015 and was approved for a {$10000.00} limit at 14.99 %. However I had a credit fraud alert on my credit reports which I had placed on XXXX XXXX something ( I had unauthorized charges made to a XXXX XXXX credit card for XXXX purchases in XXXX, XXXX ). 

I have just purchased a house in XXXX XXXX, XXXX but I was still using my old address as well since I had not moved to XXXX yet. Since I did not specify a " contact number '' on the credit alert, Syncrony/Sam 's Club wanted to speak to me first and they did at the XXXX Sam 's Club when the Customer Service representative called them and allowed them to speak to me. I asked for the card to be sent to my XXXX XXXX XXXX, XXXX, XXXX XXXX address as I was still residing there and was flying back in 3 days to pack my belongings. 

I never received a card in the next 15 days or so, and when I went back to XXXX, I asked the same Customer Service representative as to what was going on with my Sam 's Club card. She called Synchrony Bank and was told that the card was on hold and that they wanted to verify my address, and we asked them to have the card send to my XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX address as I had moved there from XXXX by then. Meanwhile while waiting for her to speak to the Synchrony reps, I wanted to check my Sam 's Club store credit balance, and it turns out that my account was gone. 

The Sam 's Club representative had to speak to XXXX separate representatives as the first XXXX had no idea what was going on. I have been using the same login information for over 10 years, and when I did pass the login page, I used to be put to a page which asked me to choose from the XXXX accounts that I had ( XXXX was an old account which was canceled about 5 years ago, and the second XXXX was my current account ). After whatever they did, I could see the old account but I could not see the new XXXX. The Sam 's Club Customer Service representative also found out from the XXXX Synchrony Bank representative that my new XXXX was never sent to me and being processed, it showed as having been opened on XXXX XXXX, 2015, and then forgotten at the " processing '' step of whatever they do before they issue the card. It turns out that XXXX of the previous reps she had spoken to earlier ( XXXX XXXX or XXXX XXXX ) to find out what was going on with my card had CLOSED the XXXX and also had deleted my existing " Sam 's Club store card '' from my accounts. leaving me only with the closed account from 5 years ago. 

The XXXX person she spoke to informed us of what happened and helped me re-register my store card online. However now, I ca n't use the user name that I had been using for the past 10 years, and had to choose a new name and I really am not pleased with that as I do n't like to randomly make up new account names for something that I have already been using for years. 

Anyway, he also said that XXXX of the representatives had closed my card, and after apologizing multiple times, he told me to re-apply again and that it would be processed correctly and then sent to my current address. 

So I came back to XXXX again to move the last of my belongings ( I have no phone signal or internet access where I live in XXXX ), and as soon as I got internet access, I went ahead and applied for a card again online. After finishing the application process, it gave me a message about being contacted in a few days and that was it. 

Today, I got the following message : '' The request was judgmentally reviewed and denied for the following reason ( s ) : PRIOR APPLICATION SUBMITTED TOO RECENTLY '' I have impeccable credit with NEVER a single late or missed payment, and I was already approved for it. 

I am considering taking this matter to court at this time.

Company response to consumer: Closed with explanation