Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXXI had a credit card for emergencies only for my Vet, and I only needed it once in the amount of XXXX+ back in XXXX XXXX  and quickly paid it off. \nWhen I tried calling the XXXX an automated message told me to call the number on my card.  I did that, and they told me they don't have access to the letter and can't help me.  They were not able to tell me who could help me.\n\n\nI just received an email below - \nSynchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARECREDIT/SYNCHRONY BANK account ending in XXXX XXXX XXXX XXXX  After a review of your account, Synchrony Bank has decided to close your account.XXXX XXXX Our decision was based in part on a scoring system that was used to predict your creditworthiness. The\n reason(s) for our decision are listed below.\n  Lack Of Real Estate Secured Loan Information\n  Balances On Bankcards Are Too High Compared With Credit Limits\n  Delinquent Or Derogatory Accounts\n  Not Enough Balance Paid Down Over Time On Retail Accounts\n Some information used to make this decision was obtained from the consumer reporting agency listed below.\n This consumer reporting agency did not make this credit decision and is unable to provide you with the\n specific reason(s) for our action. If you believe there may be information on your credit bureau that is not\n correct, we suggest you contact the consumer reporting agency below to verify the information.\n Information about your External Credit Score used in this evaluation for credit\n In addition, we also obtained an external credit score from the consumer reporting agency listed below and\n used it in part in making our credit decision. Your credit score is a number that reflects the information in your\n credit report. Your credit score can change, depending on how the information in your credit report changes.\n The credit score below was developed using standard industry methods and was used in evaluating the\n action taken on your account. The credit score may differ from the score you may obtain from a consumer\n reporting agency.\n Please see reverse side for important informationXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is owned by Synchrony BankXXXX XXXX XXXXYour credit score: XXXX XXXX XXXX XXXX XXXX  Scores range from a low of XXXX XXXX XXXX XXXX XXXX XXXX Key factors that adversely affected your credit score:\n  Lack Of Real Estate Secured Loan Information\n  Balances On Bankcards Are Too High Compared With Credit Limits\n  Delinquent Or Derogatory Accounts\n  Not Enough Balance Paid Down Over Time On Retail Accounts\n  Number Of Inquiries Was A Factor In Determining Score\n While the date of the credit score may not be recent, your score has likely not changed significantly since this\n date. We receive updated scores on a periodic basis, and when significant changes occur. If you believe\n there may be information on your credit bureau that is not correct, we suggest you contact the consumer\n reporting agency below to verify the informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If there is a balance on your account, it remains due, according to the terms and conditions of the account.\n If you have any questions, please call the phone number listed below.\n Sincerely,\n Synchrony Bank\n XXXX

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