Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Attn : XXXX XXXX XXXX 
Dear sir, I have received an email from your company online portal, www.synchronybank.com, not XXXX. I have used to send the letters of inquiries regarding my unusable reward certificates, which ended up in total {$70.00}, on some company called Synchrony. Straightforwardly, I did not know there are two companies, which individually have different headquarters in different states. One is Synchrony, which does financial matters, based on CT. The other is Synchrony Bank, which is also financial company, but more like renting money or credit, most likely more than emphasizing on banking based on the XXXX idea plus saving. We love to save money more than borrowing something from the credit company and charged much rate, such as over 30 percent. I wonder this company, Synchrony Financial addressed XXXX XXXX XXXX XXXX, XXXX, CT XXXX. Since you must have known my letters are supposed to be meant to another company Synchrony Bank based in UT, then, you must be able to notify me some means that XXXX and XXXX are different companies. Since I have now strong concern, your company based in CT can vouch that this company has never breached my private information of identification as a victim of identity theft. From the beginning, I feel as a XXXX, this company based in CT has been had the curtesy toward the customer, who expressed the problems regarding on the financial matters ; however, this company based in CT never gave the notice the existence of another company, which has same company name Synchrony. From my XXXX sense, I can not understand from the beginning to have the same word in the company name. I just want to say you must have some idea of discrimination against XXXX, based on XXXX XXXX which we, XXXX along with other XXXX, suffered for recent years based on the outbreak of the Pandemic. Also, I used to send XXXX XXXX, the head company of XXXX, XXXX, and XXXX. This company called TJ Maxx must have known Synchrony Bank is in question, and must have wondered why I sent the letters to the company called Synchrony in CT. As one regular customer, I do not know what kind of relationship might have between Synchrony Bank in UT and Synchrony in CT might have, you just let me know there are two companies to refer. Due to this negligence, I became just aggressive on writing letters with anger by feeling I was neglected by myself. As XXXX customer, who paid off every month and a victim of identity theft without clear understanding why this happened, to say honest, your company is also a company who neglected the responsible action as a XXXX  company of the United States. 
I found out online this Synchrony Bank has the address at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. To determine this company was the reliable company, I did some search-research on this company online. Some company reviews stated fraud or unreliable company. And I found out one infographic which refers XXXX XXXX Credit Card with this address in UT. Therefore, I almost determined this company is phishing me when this company sent me an email ; so, I considered the company, Synchrony in CT, has had a data breach against me. 
The digital letter sent on XX/XX/year> at XXXX was originated from Synchrony Bank addressed in UT XXXX even though this email letter did not have any address. The reason I suspected the suspicious movement of Synchrony Bank was I continuously had the correspondence from some section of Synchrony Bank, addressed above in FL. Recently, I received a letter by mail from XXXX  specialist of corporate consumer relations, XXXX XXXX and received a call from him directly which was left in voicemail by the number XXXX after calling the number, XXXX XXXX XXXX XXXX ) to make sure whether my card ending XXXX was closed or not. I have not received any answer on this matter from him yet. 
However, the digital letter indicated that my card was closed officially by Synchrony Bank branch addressed XXXX XXXX XXXX, XXXX, PA XXXX, which I am not sure whether I have had any relationship by sending my correspondence. The customer service department of this branch has all responsibility on this digital letter. Its number is XXXX, after an online search, I determined, which company name should be officially TJX Company, which online site stated its global headquarter is situated in XXXX XXXX XXXX, XXXX, MA XXXX as XXXX XXXX. And this number, XXXX, is related with TJX Rewards Platinum Card, not Synchrony Bank directly. Anyway, since the bill is issued by the TJX Company, it must be related to Synchrony Bank, which must be official and responsible financial company. 
In the end, what I want to state is I have expressed for months why I can not use my reward certificates issued by this TJX Rewards Platinum Card financed by this TJX Company addressed XXXX XXXX XXXX XXXXXXXX, MA XXXX, most likely XXXX XXXX. Therefore, I will send this letter to this address TJX Company along with other official and governmental agencies and organizations. 
Since your company could not solve the issue of unusable reward certificates amounted in total {$70.00}, I will not apply for your company credit card named TJX Rewards Platinum Mastercard. I sincerely, with you will mail me the official bill, which certify the payment system is reliable to pay {$470.00} upon the closing of my credit card ending XXXX ; because I seriously consider the online account might be contaminated by illegal activities in the past months as there are some discrepancies on the online services which detected by the communications of CFPB. Please make sure again to provide the safe payment means to me for this {$470.00}, which will not be charged the rate at all, as a person who always paid off entire amount of shopping on the bill every month. 

Sincerely,

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