Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have received an email on XX/XX/XXXX from customer.service@mail.synchronybank.com. It attached a letter regarding the TJX Rewards Platinum Mastercard account number ending XXXX. This letter was addressed to me, XXXX XXXX, and it suggested me as a card holder. It also stated there was no billing statement from XX/XX/XXXX to XX/XX/XXXX. It said I had requested a copy of this card statement. However, since I do not recognize this card ending XXXX from the beginning, I strongly deny your company employees statement that I requested the billing from that period. My card with TJX Rewards Platinum Mastercard had the ending number XXXX. Due to the issues over the rewards certificates, which I stated that I could not use at all for months over several certificates and your company employee stated that I used them, simply the card offered by your company was closed. Your company employee ( s ) can see the process of this closure by logging in CFPB online. You can see that the billing statements were uploaded many times without my recognition which I felt disgusting. I remember your company stated once I had another account ending XXXX. I believe I never received the replacement cards both ending numbers XXXX and XXXX. Maybe, you have issued, and somebody received them since I have the delivery issues of XXXX. And I remember the XXXXXXXX XXXXXXXX employee at XXXX NY, XXXX, suggested to be deliver its card to the bank branch due to the concern of USPS delivery issue. He once lived in XXXX XXXX, XXXXXXXX XXXX same as me, the neighbor but I did not know him at all. I have a question why some impersonated person asked the billing statement inquiry from XX/XX/XXXX ; then, clearly, I did not have any issue with the card issued by your company. So strongly I can state this inquiry is void. 
I have one inquiry which is in issue with PayPal. PayPal and I had some refunds issue over one merchant. And the credit card issued by your company was used, while the closing of the card happened same time. Since PayPal states the credits were refunded to the credit card, your company should have the record of these transactions. I request to check these transactions happened either card ending number XXXX or XXXX. I request your company refund me by check, since I do not have any interest and wish to re-open and have your company credit card ; especially, because there is no reason to have it if I can not use the reward certificates. Then, it is much better to use the bank cards and get the points. 
I request your company will not ask the merchants employees to ask me to open the credit card of your company. I was so frustrated and angry one casher at XXXX in XXXX, NJ, on XXXX XXXX XXXX, asked twice to open the card and even asked me the reason. The closure of my card should have started by the purchase at this shop. You can check everything at CFPB online. 
Anyway, I demand the refund check of total amount {$220.00}. I enclose the copy of communication with PayPal ( no. XXXX ) on this matter as reference. 
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