Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It started when Synchrony Bank closed my XXXX XXXX credit card I opened this account XX/XX/XXXX the last time I used that card was XX/XX/XXXX. And when I tried to use it in XX/XX/XXXX Synchrony Bank closed it XX/XX/XXXX saying Synchrony Bank indicative of high risk of failure to pay. When the account have been paid off over a year if they had said lack of use I would have understood. 

Now XX/XX/XXXX went to Lowes charged XXXX, no problem. Then I paid it off. XX/XX/XXXX I charged XXXX and paid that off. Went back to Lowes to make another purchase and found out that they close my account, and when I called Synchrony Bank they told me Lowes handle their own accounts, and Lowes told me Synchrony handles this account and theres nothing they can do about it. Lowes went on and looked up my account and said Synchrony Bank indicative of high risk of failure to pay. my account was paid in full XXXX XXXX charged over {$10000.00} and paid that off. 

I opened this PayPal Master card XX/XX/XXXX I charged a lot on it paid it off and please know I always pay early they get little to no interest. Well I have been charging on it since. The last time I charged on this card was XX/XX/XXXX when I charged {$380.00} I had no problem, back in XXXX XXXX I purchased something from XXXX that cost XXXX which I never received, so I filed a claim with PayPal Master Card and they took the {$200.00} off until after investigation so kept checking my PayPal Master Card account, XX/XX/XXXX I see the {$200.00} show back on my PayPal account, so I called them to ask why am I seeing this {$200.00} when I filed a claim they told I never filed, so I ask them if I could file now! and they said yes! so I filed again this time they never removed the {$200.00}. 2 days later XX/XX/XXXX I went on a just paid it in full. I dont know whats going on but I do know its not right. Synchrony Bank Owns the rights to this card. They closed the Card XX/XX/XXXX. Saying Synchrony Bank indicative of high risk of failure to pay. 

PayPal credit I had for a very long time more than 15 years whether I used the credit or not they have never turned that credit off. But thats not the case right now Ive been using this credit for the last few months last used XX/XX/XXXX and XX/XX/XXXX Synchrony closed the account saying Synchrony Bank indicative of high risk of failure to pay. 

JC Pennys Master Card : the last time I used this card was a long time ago maybe XX/XX/XXXX It doesnt really matter that they closed this card but it has been almost 3 years and it was open until last month XX/XX/XXXX and closed like the other one and they were being used. It didnt matter to Synchrony Bank whether the card was being used and paid for or not they because they still closed the account and the same thing Synchrony Bank indicative of high risk of failure to pay. I always paid on time or before time. Whenever you see Synchrony Banks name on something run.

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