Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
The following is the letter I sent to them on XX/XX/year> to the Office of the President ( XXXX ) Dear Synchrony Bank Customer Care Team, I am writing to formally express my concern regarding the recent reduction of my credit line on my account. My available credit has been lowered to just {$78.00} over my current balance, which has significantly increased my credit utilization ratio and is already negatively affecting my credit score.

As a single mother and an XXXX, I am actively working to rebuild my credit in an extremely challenging economic climate. This reduction does not reflect my efforts to responsibly manage my finances, and it places me in a more vulnerable positionparticularly when it comes to covering medical expenses, emergency household needs, or unforeseen financial situations. 

What is especially concerning is that similar credit line reductions have occurred across multiple Synchrony accounts I hold. These repeated actions compound the damage to my credit profile and undermine my ability to stabilize my financial standing. High utilization caused by reduced limitsrather than irresponsible spendingdirectly impacts my access to future credit and increases financial strain. 

I respectfully request a review and reconsideration of this decision, including the possibility of restoring my prior credit limit or adjusting it to a level that does not disproportionately harm my credit utilization ratio. 

Please know that my intention is to pay off these balances as soon as financially possible. Once that is accomplished, I fully intend to close the affected accounts. However, until then, I am asking for fair consideration that acknowledges my consistent efforts to rebuild and remain financially responsible. 

Thank you for taking the time to review this matter. I would appreciate a written response outlining any options available to mitigate the impact of this credit line reduction. 

After a response that stated they would look into, and I did not receive any other response, I sent this one on XX/XX/year> There is absolutely no way you all care about your customers. How can I rebuild my credit when you all continue with your harmful practices. I am writing to formally express my concern regarding the recent reduction of my credit line on my account. My available credit has been lowered to just {$78.00} over my current balance, which has significantly increased my credit utilization ratio and is already negatively affecting my credit score. 

As a single mother and an XXXX, I am actively working to rebuild my credit in an extremely challenging economic climate. This reduction does not reflect my efforts to responsibly manage my finances, and it places me in a more vulnerable positionparticularly when it comes to covering medical expenses, emergency household needs, or unforeseen financial situations. 

What is especially concerning is that this is not an isolated incident. The same type of credit line reduction has occurred on my XXXX account as well, also serviced by Synchrony Bank. Each time my available credit is reduced, my credit utilization increases through no fault of my own, and my credit score declines as a direct result. This repeated pattern across multiple accounts is causing compounded and ongoing harm to my overall credit profile. 

These actions undermine my ability to stabilize my financial standing and work against consumers who are making good-faith efforts to remain financially responsible. High utilization caused by lowered credit limitsrather than excessive spendingcreates an unfair disadvantage and limits future access to credit. 

I respectfully request a thorough review and reconsideration of these decisions, including the possibility of restoring my prior credit limits or adjusting them to levels that do not disproportionately damage my credit utilization ratio. 

Please know that my intention is to pay off these balances as soon as financially possible. Once that is accomplished, I fully intend to close the affected accounts. However, until then, I am requesting fair consideration and transparency regarding these repeated credit line reductions. 

Due to the lack of consumer protection and the cumulative impact of these actions, I am also filing a formal complaint with the XXXX XXXX XXXX. At this point, it appears that the ongoing consequences to consumers are not being adequately addressed. 

Thank you for taking the time to review this matter. I would appreciate a written response outlining any options available to mitigate the credit damage caused by these reductions. 

Everytime they drop my available credit, my score drops and other credit card companies also do the same. I am trying to rebuild without filing bankruptcy, but they are horrific to work with.

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