Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX Companies , Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX Dear sir, I have read the review written by Senior Specialist, XXXX XXXX of corporate consumer relations, Synchrony Bank, addressed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on CFPB Case XXXX. Almost every day, I read your company review and continue to complain. As stated on the previous complaints, whatever synchrony bank said, I could not use the reward certificates ending XXXX and XXXX. The reason I opened this credit card was to receive the reward certificates same as other customers. However, I can not use any reward certificates and I keep them with me because I have the court issue with XXXX, which I do not know the reason why I have been asked to file the documents from the district court of New Jersey. I have decided to keep everything suspicious with me for this court matter. This reward certificates are examples of them. 
This employee of Synchrony Bank indicated four credit report companies, XXXX, XXXX, XXXX, and XXXX in accordance with federal regulations. Except XXXX, I had many difficulties to receive the answer why I received the identity theft report from FTC. I even needed to contact with XXXX and XXXX XXXX. And except XXXX and XXXX XXXX, other 4 credit unions ended up security freeze. XXXX continues to send me the stupid letters to suggest the initial fraud alert and I need to complain. Therefore, I do not know why this Synchrony Bank employee asked me to contact with them. 
I am not sure why you state I applied for Synchrony card on XX/XX/XXXX of XXXX, since I have my card for extensive period and every month I paid off. If this employee states I applied to open on XX/XX/XXXX, it is illegal and fraud as a victim of identity theft. Therefore, I expect the explanation. 
Since I feel this employee encouraged me to enroll the paperless statement, I enrolled. I wanted to receive the paper bill to make sure I will receive the reward certificate, since once I found out one certificate was missing. Later, I received the same ending number certificated with paper bill, but that one was not usable and kept with me. I just want your company to make sure I will receive the usable reward certificates online without hacking by somebody. 
If I recognize that the coming reward certificates are unusable or not printable, I want to close this Synchrony Bank credit card. There is no reason to keep this credit card if I do not receive any reward certificates which are usable. As far as I see one of my bank cards became stable and no fraud activities and no more replacement card at this moment. I love XXXX, however, even if this shop offers another type of credit card, I do not feel to apply it until the court matter finishes, especially I do not know the reason clear why I need to file to the court. If there is no charm of reward, why I will shop from this network too. Anyway, I request to close the credit card offered by your company through Synchrony Bank if this bank or your company network can not give me the usable reward certificates. 
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