Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Got notification of now a XXXX card, same financial group. Jcp and Lowes credit cards have both been lowered significantly on credit limit to an insult amount after XXXX yrs never bad reporting. Approx last week of XXXX, Jcp account lost limit of XXXX down to XXXX, advised nothing they can do. Then they closed my account within XXXX hours of my call to see if I could provide documents of fraud alert, irs pin established and cfpb reported. Then notification of Lowes account closed. Called to ask why because email showed too much debt to income, no mortgage ( I own XXXX properties no mortgage ). Guy with a small child in background screaming or playing says well ill look for your letter it should be in your email. Sorry I don't see it in email may have deleted by accident. Reads me the letter stating due to no mortgage, excessive debt, too many bank card debts ( not sure and he couldnt tell me what this meant ), and spiral negative score. I asked why run report XX/XX/XXXX as letter says, wait for me to make a XXXX dollar purchase last week then close account without attempt to get new report. Advised synchrony guy I had paid off XXXX  of my debt in the last XXXX  days, fraud placed, irs notified, XXXX  contacted and found they applied my payment to wrong XXXX  acct therefore reporting acct now XXXX  days late. Even paid this Lowes card balance down to XXXX  within last XXXX  days in amount of XXXX something trying to keep ahead of credit limits lowering daily and debt owed. Said nothing I can do card is closed. That was that. Now I've lost those XXXX account credit lines that was over XXXX in open unused, plus now lessens average of credit opened in return lowering score for their actions when it wasnt even current report! I see why people file bankruptcy easily its alot easier than this when I've made it priority to always pay my bills first if that meant I went without eating so be it. My ex spouse was responsible for the XXXX XXXX account, until the ordered alimony payment begins I paid that up immediately as it was an account ex spouse accessed against decree and deferred payments when he was excluded from loan then to be told it was paid for XXXX months, plus he closed XXXX of the XXXX banks accounts that had my name attached. XXXX, XXXX  XXXX XXXX XXXX, Lowes, XXXX XXXX all were stop paymented at the expense of previous spouse and he closed account all were autopay. Immediately contacted by creditors, gave information that day and authorized payment so nothing was late and late fee paid so no negative reporting. I'm talking almost XXXX XXXX pulled from IRA to pay his debt to prevent this from happening since he's now filing bankruptcy too. Although alimony ordered can't be forgiven but that takes time for filing and garnishment to start by employer so I took extreme measures to correct his debts as it's linked to me. Watched him file bankruptcy prior to marriage along with everyone else family wise. I strive to make that to never be the case to the point of working XXXX hours at a time while no state help because of increased income temporarily just to pay off debt that wasnt mine in the first place. Willing to even offered to pay off XXXX account too that has been good standing for XXXX  years. How can creditors jump that fast without facts, offered to give documents of all information to support my words including city online landrecords proving my ownership. Disputed XXXX  times with bureaus, no change even those submitted banking photos of all payments nothing missed beyond XXXX  days therefore can't report as XXXX  days or more. How can innocent individuals go thru such terror because of XXXX XXXX creditor reporting XXXX  days late when they even showed the XXXX payment which was over any given month XXXX months of minimum due plus paid additional XXXX payment to XXXX and XXXX to XXXX XXXX. Not my fault XXXX  applied payment to XXXX card and not XXXX as XXXX  wasn't ever late a day.

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