Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CFPB COMPLAINT UNLAWFUL RETALIATION & WRONGFUL CREDIT ACCOUNT CLOSURES Company : Synchrony Bank Products Affected : PayPal XXXX XXXX Credit Card Issue : Account closed / credit line reduced Retaliation for exercising consumer rights Unfair and deceptive acts or practices Complaint Narrative I am filing this complaint to report unlawful retaliatory conduct by Synchrony Bank in violation of federal consumer-protection law. 
On or about last week, I filed a consumer complaint disputing the denial of my XXXX XXXX XXXX. That complaint constitutes protected activity under federal law. 
Within days of filing that complaint, Synchrony Bank abruptly closed XXXX separate, unrelated, and previously well-managed credit accounts : My PayPal XXXX XXXX XXXX credit card These closures occurred without any adverse change whatsoever in my credit profile, risk posture, or account conduct. Specifically : My payment history on both accounts was perfect No balances were delinquent No fraud, misuse, or policy violations were alleged No material change in income, credit score, utilization, or debt occurred No prior warnings or legitimate risk explanations were provided The only intervening event was my protected consumer complaint regarding the XXXX XXXX XXXX denial. 

The timing, selective nature, and lack of justification for these closures demonstrate clear retaliation for exercising my consumer rights. 

Legal Violations Synchrony Banks actions constitute violations of, at minimum : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ) Retaliation against a consumer for exercising rights under federal credit laws is prohibited.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Adverse action taken without a valid or lawful basis, resulting in credit harm.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Punitive account closures used to deter or punish consumer complaints undermine the integrity of the consumer-complaint process. 
These actions also violate basic principles of good-faith account administration and consumer-protection policy. 

Harm to Consumer As a direct result of Synchrony Banks retaliatory conduct, I have suffered : Immediate and material credit harm due to loss of available credit Artificially increased utilization ratios Suppression of credit scores through no fault of my own Financial and reputational injury Emotional distress caused by arbitrary punitive action This harm is ongoing. 

Resolution Sought I am requesting CFPB assistance to require Synchrony Bank to : Immediately reinstate my PayPal XXXX and XXXX accounts with original terms and limits ; Remove any adverse internal or external reporting associated with the closures ; Provide written confirmation that my consumer complaint was not used as a basis for adverse action ; Ensure no retaliatory flags or risk markers remain on my consumer profile. 

Additional Information This complaint is submitted in good faith. If this matter is not resolved promptly, I am prepared to pursue further regulatory escalation and legal remedies.

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