Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My problem is with Synchrony bank and it is about multiple credit cards, they are the bank behind my bank PayPal which I have used for 20 years. They will not even offer me any application at the new PayPal credit card it says we can not offer you this card at this time. I also started a PayPal business account which I haven't recorded any revenue in yet but I sent last year 's final 4 months summary in XXXX and statements of my business to PayPal showing I had XXXX in revenue in 4 months the minimum for being eligible for the small business loan or working capital and they did nothing with my email. I have asked many times for a contact at Synchrony and no one at PayPal has given me one. Tonight I just applied for a XXXX XXXX card and got denied on Synchrony website. A month ago I had a XXXX and something happened and my Self loan payments didn't get reported and now I have a XXXX but I paid them and I will admit my ratio of usage went up by {$65.00} of usage or something. I have had {$5500.00} of steady deposits in my XXXX account in the last 56 days I checked since XX/XX/XXXX an average of {$3500.00} per month and that doesn't count income that goes into my cash app account for accounting work or XXXX  or XXXX income I am allowed to make with my family medical leave my weekly allowable income is around {$580.00}. I get {$240.00} in a check for 3 days pay into PayPal a week and I get some other govt benefits of {$220.00} twice a month. That is steady income and Synchrony just won't consider me for any type of credit card PayPal or store card. I think it's discrimination andaybe it's because I get public assistance and people are aware of that to some extent well I am on and off of it based on my income basically. Anyway, Synchrony is impossible to get a hold of. Even PayPal 's credit department when you call it asks for the phone number associated with your credit account to speak with them and I don't have a Paypal Credit account that is something in addition to the credit card by the way Paypal Credit like paying in 4 etc And I don't get PayPal credit and can't speak to Paypal credit because I don't have a phone number associated with a PayPal credit account to get through the line. Theres no good PayPal credit department email that responds to me legitimately that makes these decisions or ever has responded to me and they are never open at night either. I have been with PayPal since I was around XXXX XXXX XXXX or so approximately I am XXXX now I have had $ XXXX of medical leave deposited in to it every year for XXXX years. I have had some of my XXXX & other earnings deposited there over the years I would think they would trust me a little bit by now. At least enough to let me apply for a credit account. I have an XXXX  account I work hard on my credit I am paying my debts to the best of my ability. If I could just get a {$2500.00} personal loan I could clear my old debts off my credit report but no one is willing to give me a small personal loan I don't think that is fair at all. I pay XXXX {$10.00} everyonth for credit builder and self {$25.00} for credit builder I would certainly pay back a personal loan that cleaned off almost all of my delinquencies that have been haunting me for years and getting me these denials which then cause me to reapply and getore badarks on my credit for applying to much don't you see it is a vicious cycle and my cost of credit is ridiculous.

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