Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Please refer to CFPB COMPLAINTS XXXX ( made by spouse ) AND CFPB COMPLAINT XXXX made by myself. 

XXXX SUBMITTED COMPLAINT REGARDING RECEIVING COMMUNICATION IN REFERENCE TO APPLYING FOR A TjJMAXX CC. UNLESS WE ARE OVERLOKKING THE LISTS OF COMPLIANTS FILED THIS COMPLAINT NUMBER IS NOT LISTED NOR DO WE SEE THE COMPLAINT, XXXXSPOUSE RELEASED FROM BANKRUPTCY XXXX AND DID COMPLETE A TJ MAXX APP PROVIDING HER CURRENT ID AND SS #, SHE KNEW SHE WOULD BE DENIED BASED ON 1. SUBMISSION OF COMPLAINT XXXX IN XX/XX/22 REFERENCED RECEIVING COMMUNICATION AND DENIAL SHE APPLIED FOR A TJ MAXX CARD WHICH, SHE DID NOT DUE TO BR, I APPLIED FOR A CARE CREDIT CC RECENTLY AND WAS APPROVED, IN ADDITION, I HAVE MAINTAINED A PAYPAL ACCOUNT FOR YEARS. BOTH ACCOUNTS PAID ON TIME AND IN GOOD STANDING, A EMAIL WAS SENT TO ME ON YESTERDAY XXXX STATING I REPORTED MY CARD TO BE EITHER LOST OR STOLEN AND I WOULD RECEIVE A NEW CARD IN 7 TO 10 DAYS, AS MY SPOUSE STATED IN HER COMPLAINT WE WONDERED WHAT WOULD BE NEXT REGARDING SYCHRONY BANK. 

WELL, AS OF THIS MORNING XXXX I LOGGED INTO MY PAYPAL ACCOUNT AND IT WAS CLOSED AND BALANCED DELETED, IRONICALLY, I CONTACTED PAYPAL SEVERAL MONTHS AGO BECAUSE IT APPEARED I WAS BEIG OVERCHARGED FOR ORDERS I HAD PLACED AND ORDERS I RETURNED I WAS NOT GETTING MY RFUNDS TIMELY AND THE AMOUNTS REFUNDED WAS QUESTIONABLE, ITEMS APPEARED TO HAVE BEEN CHARGED PRIOR TO BEING SHIPPED AND SOMETIMES I DID NOT RECEIVE THEM. 

I DID CONTACT CARE CREDIT ON YESTERDAY XXXX VIA PHONE, THEY PLACED ME ON HOLD FOR ALMOST 40 MINUTES, IT APPEARED THERE WAS SOMETHING SHADY TAKING PLACE. I WAS INFORMED THE ACCOUNT WAS CLOSED DUE TO XXXX BASICALLY INFORMING THEM I HAVE ID THEFT AND FRAUD NOTATED ON MY CBR, I INFORMED THEM I DID NOT ASK THEM TO CLOSE MY ACCOUNT BECAUSE I DID NOT REPORT THE CARD BEING STOLEN, LOST OR MISSING. AGAIN, THEY STATED XXXX BASICALLY TOLD THEM TO CLOSE IT. FURTHERMORE, THE ACCOUNT WAS CLOSED FOR 60 TO 90 DAYS AND IT WAS UNDER INVESTIGATION?? I PROVIDED PERMISSION FOR MY WIFE TO SPEAK WITH THE CUSTOMER SERVICE REP. SHE INFORMED THEM WE HAVE HAD ID THEFT./FRAUD FOR SOME YEARS. WE WERE NOTIFIED BY THE IRS. FURTHERMORE, IF THEY SAW IT ON THE CBR THEY SHOULD HAVE NEVER APPROVED THE CARE CREDIT ACCOUNT, MY WIFE IS IN THE MIDDLE OF A VERY SERIOUS DENTAL PROCEDURE AND SHE INFORMED CARE CREDIT THEY WERE CAUSING ADDITIONAL INJURY AND HARM AND IFSHE DIES OR GETS ILL WE WILL HOLD SCYN, BANK FULLY LIABLE, SHE ASKED TO SPEAK TO THE LEGAL DEPARTMENT, THE CS REP WAS RUDE AND DID NOT PROVDE ANY NUMBERS. IT WAS VERY OBVIOUS SHE WAS COMMUNICATING WITH ANOTHER DEPARTMENT IN ORDER TO ENSURE THEIR LIES SOUNDED LEGIT AS IT RELATED TO THE CLOSING OF THE ACCOUNT. WE WERE INFORMED A TEMP CARD COULD NOT BE ISSUED, ' GIVING THE DRAMA WE HAVE BEEN GOING THROUGH OVER THE YEARS WHICH, WAS CREATED BY OTHERS SUCH AS FRAUD ETC, I RESEARCHED THE BOARD MEMBERS OF SYN, BANK AND IT APPEARS THERE ARE MAJOR CONFLICTS. THERE IS A VERY HIGH PROFILE DIVOICE TAKING PLACE IN MY FAMILY AND A COUPLE OF THE BOARD MEMEBERS ARE AFFLIATED AND APPEARS TO WORK WITH THE INDIVIDUAL WHO FILED FOR DIVOICE, IN ADDITION, THIS INDIVIDUALS FATHER IS HIGHLY CONNECTED IN THE BANKING INDUSTRIES, THIS INDIVIDUAL WHO FILED THE DIVOICE MADE A THREAT AGAINST BOTH MYSELF AND WIFE REGARDING SABOTAGE AND MORE.QUITE IRONIC! 

ALSO, SEVERAL OF THE BOARD MEMBERS ARE PREVIOUSLY OR CURRENTLY INVOLVED WITH MORTGAGE COMPANIES WHO ISSUED FRAUDULENT MORTGAGES AGAINST OUR PERSONAL AND OR COMMERICAL PROERTIES, WE WERE UBDER THE IMPRESSSION THE XXXX XXXX XXXX XXXX GA WOULD ASSIST US WITH INVESTIGATING THE FRAUD BUT, THEY DID NOT. THEY STOLE OUR ASSESTS AND SOLD THEM TO THEIR COLLEAGUES AND OR BACK TO THE BANKS WHOM WE NEVER EVEN RECEIVED MORTGAGES FROM. OUR INFORMATION WAS UTILIZED TO OBTAIN INITIAL LOANS AND THE MONEY WAS STOLEN. WE THOUGHT WE HAD MORTGAGE LOANS BUT, AFTER INVESTIGATION WE DID NOT. WE WERE PAYING MONEY MOTHLY AND STILL TO THIS DAY DO NT KNOW WHO STOLED IT. 

GIVEN THE ABRUPT TERMINATION OF MY SYN ACCOUNTS AND THE BEHAVIORS OF THE ABOVE INDIVIDUALS IT LEADS US TO BELIEVE THERE COULD POSSIBLY BE INVOLVEMENT BY THEM AND THE ATTORNEY WHICH I RETAINED WHO HAS BASICALLY STOLEN A XXXX RETAINER AND DID NOTHING,. WE DO BELIEVE HE IS HIGHLY INVOLVED WITH WHAT APPEARS ILLEGAL BEHAVIORS. HIS ROLE APPEARS TO BE THE INDIVIDUAL WHO NOTIFIES MORTGAGE COMPANIES. BANKERS, ATTORNEYS, JUDGES AND OTHERS WHO ARE INVOLVED IN XXXX BEHAVIORS AND IS POSSIBLY COMPENSATED BY THE BANKS, MORTGAGE COMPANIES AND OTHERS TO STAY ONE FOOT AHEAD WHEN WE MAKE REPORTS SUCH AS THIS, AGAIN, WE COULD NNOT LOCATE THE ABOVE REPORT NUMBERS IN THE CFPB SYSTEM, NO PROBLEM WE WILL RE UPLOAD.

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