Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/year> location : Ashley Furniture in XXXX XXXXXXXX XXXX XXXXXXXX. I was being financed at Ashley furniture and was approved for an Ashley furniture credit card for about {$2100.00} estimate the company that financed the credit card was synchrony bank because I was trying to buy a loveseat and I was approved. They had a deal going on where if I paid it off within one year at 0 % interest. I was paying on my loveseat on time within one year, but during that one year period synchrony bank was poking around into my credit report and every time they found something negative they kept deducting my credit limit that I was already approved for every month or every other month, and I have reason to believe that my privacy rights have been violated. The only time I gave them permission to look at my credit report was when they did a hard credit inquiry which I was approved for. But during that entire year, they kept poking around without my permission and kept dropping it lower and lower and lower of my credit limit and by the time I finally paid it off within XXXX year and 0 % interest, synchrony bank automatically close my account I have tried contacting the XXXX  Attorney General they were of no help. I have tried contacting the XXXX XXXX XXXX. They were of no help. I have tried contacting the Federal Trade Commission. They were of no help in their excuse by synchrony bank was that they were trying to see if I was eligible to increase my credit limit, which I never even asked for, and I did not give them permission at any time throughout the entire year to poke around into my accounts. If that were the case with every other agency out there, I would never have done business with anybody if I was that bad and by the way, if I was so bad, why was I approved to begin with? That doesnt make any sense so I feel my privacy rights were violated both criminally and civilly and I want federal felony. Criminal charges charged against synchrony bank as well as file a civil lawsuit charges for my privacy rights, being violated, regardless of whatever that said on their contract and I never saw anything when I first saw the contract and they tried showing me something in some sort of tiny fine print like I was supposed to see that. Never in my life have I ever been so disgusted and humiliated by this bank I have dealt with many creditors and many financial institutions and they have never done what these people did to me. I mean if they were to do a review on my credit card and show that I am responsible for it and pay my payments on time and if they wan na increase my credit limit as a reward or if I ask for it, thats one thing But what synchrony bank did to me was totally unethical, un civil and very illegal. So like I said what I need from you guys is to file both criminal federal felony charges against synchrony Bank, as well as filing a civil lawsuit for my privacy rights being violated without my permission. My brother has dealt with synchrony bank on a different credit card and they even screwed him over left and right. They are the worst BANK in USA history and I believe they should be completely put out of business forever but not until the criminal and civil charges are filed against them first And that I should get a substantial money for my privacy rights being violated. The loveseat was paid off by XXXX XXXX please let me know what you plan on doing to them! Thank you! Also on a separate note all of my evidence that I had I submitted to the Attorney General in XXXX  so if you need any evidence, you can contact Ashley furniture in XXXX XXXX, Illinois or you can contact the Attorney General in XXXX. I will be looking forward to hearing from your response and the actions that you plan on doing against synchrony bank thank you.!

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