Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
So my complaint is with Synchrony in general. This creditor has managed to discredit my credibility in all aspects of my credit report, to which has made it extremely hard to obtain credit from anywhere else. I feel Synchrony is personally attacking me because I confronted them last year, in which this that issue was with a different account. But because I fought them in their lies, synchrony has decided to punish me personally by cutting down my credit lines across the board in which if I paid down my credit on one account, they would cut my credit line to however much I owe still leaving me at XXXX % credit utilization which would bring down my score and credibility on my credit reports. On another account which is partnered with synchrony, XXXX, I placed an online order through affirm back in XXXX of XXXX with XXXX XXXX. For that order  XXXX XXXX did not have anything in stock, so I did not use the funds from XXXX whom partnered with Synchrony. XXXX stated to me that everything will be cleared up since it was a return with in XXXX days on that specific transaction. I had other accounts with affirm at the time as well that are not partnered with Synchrony. In XXXX, XXXX, whom claims to not report to the credit bureaus decided to report a XXXX payment XXXX days late in the account that I never used for the XXXX XXXX purchase online. I have receipts to prove that. In which the receipts show a XXXX balance. And in all the years that Ive ever had credit, even from when I had to file a XXXX XXXX due to fraudulent activity at the time XXXX years ago, with all of my accounts, I have never been XXXX days late on not one account. I think the last one I had ever been late was in XXXX when I was in an accident. And for me to miss a XXXX payment, even when I should have never had that against me in the first place, my credibility is shot after all the hard work Ive done to get many credit in track from XXXX  years ago, only for Synchrony to ruin it because they were caught in their lies. How sad of a company so big, to pick on one small person who stood up for themselves, and shoe them how wrong they are. I dont know how they can sleep at night cause Im sure Im not the only one they do this to. With this account. They decided to cut my credit line the minute I paid down my credit. My credit was not as good from when I first applied for this credit line as it is now. Even with everything Synchrony has put my credit through, my credit is much better today, then when I applied for this credit XXXX years ago. Should I say that again? My credit today is much better then when I first applied for this XXXX credit line XXXX years ago. Yet, they wont give me a credit increase from my, now, {$100.00} credit line. I was originally approved for {$3400.00}. Now, my credit line {$100.00}. Ive never been late on this account. And my credit is better off then when I first applied so please explain to me why I cant get an increase from {$100.00}. So, their excuse was this : too recent missed payment on a credit account. No first mortgage balance on credit. Too many credit inquirys. I own my home. I didnt know that was a factor in my obtaining credit. I have a title to prove that. But really? Cmon. This company cant get away with this because I wont let them. Once I decide to go public on my issue, I hope they can reflect on how they treat people, fire the bad ones representing them, and perhaps have some morals. This is not right. They are messing with peoples/My livelihood, financials, and money. These issues can XXXX people. But not with me. This is my formal complaint. I feel they have either hacked my accounts, or knows someone from this establishment for my to not receive my follow ups for my response. Because I NEVER received one notification about my previous complaints about Synchrony from here and the BBB, so they were just closed. Not anymore.

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