Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am filing this formal, non-duplication complaint as a direct consumer ; I am the sole submitter, and no third party is acting on my behalf. To verify my identity and prevent any fraudulent claims of " unauthorized third-party '' filing, copies of my Drivers License and Passport are attached to this complaint. 
On XX/XX/XXXX, my Venmo credit card account ( issued by Synchrony Bank ) was formally closed. Despite the total termination of the credit agreement, Synchrony Bank has engaged in a persistent, bad-faith campaign of " zombie debt '' reporting and collection harassment. 
1. The 166 % Utilization Paradox ( Factual Impossibility ) : Synchrony continues to report a {$6100.00} balance and a 90-day delinquency as of XX/XX/XXXX. Most egregiously, they are reporting a 166 % utilization rate. For a closed account to reflect 166 % utilization is a mathematical and legal absurdity. It implies the bank allowed charges totaling 70 % above the credit limita " patent inaccuracy '' that no reasonable investigation could possibly verify as correct. This reporting has caused catastrophic, ongoing damage to my credit score. 
2. Evidence of Illiterate Automation ( " XXXX '' ) : When I previously attempted to resolve this through credit reporting channels, Synchrony provided a response that is a mockery of federal oversight : " SYNCB/VENMO-ACTIEV DISPUTE ''. This typo-ridden, illiterate placeholder proves that Synchrony is using unmonitored automated systems to " clear '' federal complaints without any human review or " reasonable investigation '' as mandated by 15 U.S.C. 1681s-2 ( b ). Simply flagging a file as " ACTIEV '' is not a resolution ; it is a procedural failure.

3. Willful Violation of Cease and Desist ( C & D ) : Synchrony is simultaneously telling the CFPB the account is in a " dispute '' status while mailing me physical collection demands marked " STATEMENT ENCLOSED. Payment May Be Required ''. This demonstrates a systemic failure to honor my standing Cease and Desist order and proves that Synchronys reporting and collection departments are operating in total chaos.

I, XXXX XXXX XXXX, declare under penalty of perjury under the laws of the United States of America ( 28 U.S.C. 1746 ) that the following is true and correct : 1. The 166 % Utilization Paradox : I certify under oath that my Venmo credit card account was closed on XX/XX/XXXX. Synchrony Bank is currently reporting a {$6100.00} balance against a closed account, resulting in a 166 % utilization rate. This is a mathematical impossibility and a " patent inaccuracy '' under the FCRA. 
XXXX XXXX XXXX XXXX 2 . Evidence of Illiterate Automation : I certify under oath that on XX/XX/XXXX, Synchrony responded to a federal inquiry with the gibberish : " SYNCB/VENMO-ACTIEV DISPUTE. '' This illiterate response proves a total failure of " reasonable investigation '' under 15 U.S.C. 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX 3 . Violation of Cease and Desist : I certify under oath that despite a formal C & D and an " Active Dispute '' status, Synchrony mailed a physical collection demand ( Exhibit C ). This proves systemic chaos and a willful disregard for consumer rights. 
XXXX XXXX XXXX XXXX

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