Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/year> XXXX Synchrony XXXX Acct. 
Paying charge on credit card for purchase of a storage bldg. 
Transferred XXXX XXXXXXXX XXXX over the amount due on credit card XXXX XXXX. 
XX/XX/year>, XXXX p.m. opened mail ( husband had just been brought home from hospital ) Received letter, dated XX/XX/year>, that our account had been closed due to payment and unusual purchase history and Synchrony deems that XXXX be indicative of future intention not to pay. 
XX/XX/year> : My wife immediately called credit card number. XXXX for acct. said that our payment of {$54000.00} did not go through, we still owed that balance, acct. close. 
( I had mistakenly put a XXXX in front of the {$4100.00} that was the actual amount owed and of which was sent in with the payment slip stating such. Was the first time I ever did something like that. Could not believe it! ). Wife went to bank the next day since I was recovering from major XXXX. This check was run through twice! Bank dismissed overdraft charges. We only keep enough money at this bank per checking acct. to cover what we are planning to buy per larger purchases. We have a savings acct. at this bank also. We use our main bank for day to day purchases. 
XX/XX/XXXX : Wife called/spoke to everybody - talked to XXXX, XXXX service and XXXX, XXXX supervisor about this surprise issue. My wife was told the account was closed, could not be re-opened and there was nothing she nor I could do about it pertaining to the letter dated XX/XX/XXXX and received in mail on XX/XX/XXXX. 
XX/XX/XXXX thru XX/XX/XXXX : Wife had talked to XXXX people from customer service, fraud and collections dept. They were all informed by my wife that we never owed {$54000.00}. We only owed {$4100.00} and the payment slip sent in with the check indicated that yet they tried to process a check that was erroneously written that did not match the amount owed. 
Brought up we had a great payment history with XXXX/Synchrony since we started using credit card years ago. Nothing was done. 
XX/XX/year> : Received a second letter from Synchrony dated XX/XX/XXXX stating that Synchrony wanted to let us know about a returned payment of {$54000.00} on account on XXXX. " Review your information as soon as possible. If you need to update info on your XXXX credit card, make a payment or have any questions, please let us know. We value your business and are here to help when you need us. '' They sent the account closed letter on XX/XX/XXXX - no indication/warning/alert that anything was wrong with the account beforehand. 
Synchrony : XXXX talked to a XXXX, XXXX, XXXX, XXXX, XXXX, to no avail. Talked to XXXX more people but could not find where I wrote down their names. Had so many notes! 
Talked to XXXX : would remove late charges since acct. now showed I now owed {$4100.00} due to me trying to find out why they would run a check through {$54000.00} when payment slip clearly showed I only owed {$4100.00}. XXXX took off XXXX late charge to make amount {$4100.00}. My wife wrote a check for that amount and sent it to the address she provided. Sent it certified. Also sent all of the notes, people my wife spoke with and the XXXX Synchrony letters to XXXX in PA address listed on my XXXX  credit bureau. Sent that certified also. Indications that both were received. 
XXXX XXXX, 2025 : We have not heard back from anyone at XXXXSynchrony. ( My wife did try to contact someone at XXXX directly and was told they did not have anything to do from the XXXX branch with resolutions per their XXXXSynchrony credit card issues. She then connected my wife back to the Synchrony credit card company ) XX/XX/year> : We have a great XXXXdit score, have always paid our bills on time. It is my understanding that if a company closes a credit card account, it can lower one 's credit score. This entire issue with Synchrony is viewed as fraudulent and careless on their part in trying to cash a huge check of {$54000.00} on XX/XX/XXXX when it clearly showed I only owed {$4100.00}. on the payment slip/statement and did not make any contact about this problem until a letter was received on XX/XX/XXXX notifying that our account had been closed per '' indicative of future indication not to pay ''. That XXXX line in all of the content of the letter was extremely insulting given our credit history with XXXXSynchrony . It was a failure on their part not to issue a letter a.s.a.p. of notice that something was wrong so we could take action immediately before any decision was made to close our account.

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