Consumer complaint received 2026-05-28 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: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date : XX/XX/XXXX ] To : Synchrony Financial Attn : Legal Department / XXXX Escalations XXXX XXXX XXXX XXXX XXXX, CT XXXX RE : Formal Demand for Information Regarding Sudden, Simultaneous Closure of XXXX ( XXXX ) Active Accounts. XXXX formal demand to reopen all my accounts. To Whom It May Concern, I am writing to lodge a formal dispute and demand an immediate, transparent written explanation regarding the simultaneous and unexplained closure of XXXX ( XXXX ) of my Synchrony Bank credit card accounts on XX/XX/XXXX Prior to this automated, blanket action, every single one of these XXXX accounts maintained an excellent, unblemished payment history. All applicable accounts were enrolled in auto-pay to ensure seamless, on-time payments, and almost all accounts currently carry a zero ( {$0.00} ) balance. There have been no missed payments, no returned checks, and no contractual breaches on my part. When I contacted customer service to inquire about this massive disruption, I was abruptly told that the closures were " not payment related '' but were due to vague, unspecified " security concerns. '' No further details, context, or evidence of these alleged concerns have been provided to me. As a consumer with an impeccable history with your institution, the arbitrary closing of XXXX accounts simultaneouslywithout prior warning or a clear, actionable explanationstands to severely disrupt my financial profile, credit utilization ratios, and XXXX XXXX. ( In other words what you have done is ruined my credit now. ) Furthermore, I have reason to believe this action may be connected to a severe breach of my personal data privacy. ( such as listening to my private phone calls on my cell phone. ) I am strictly demanding that Synchrony Bank provide : XXXX. A detailed, specific itemization of the exact " security concerns '' that triggered the closure of all XXXX accounts simultaneously. XXXX. Written confirmation that Synchrony Bank has not engaged in the unauthorized interception, monitoring, or utilization of my private, XXXX-XXXX communications ( such as listening to phone calls that are private on my cell phone ) to make adverse credit or account decisions. XXXX. Full copies of my complete account files, including all internal notes, risk assessments, and correspondence associated with the decision to terminate these accounts. Please be advised that I am preserving all communication logs, notices, and credit monitoring alerts associated with this matter. If Synchrony Bank fails to provide a substantive, specific written response explaining this adverse action within XXXX ( XXXX ) business days of receiving this letter, I will pursue further action. This includes lodging formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( XXXX ), as well as consulting with legal counsel regarding potential consumer rights and privacy violations. I expect your prompt attention to this matter and look forward to your timely response. Sincerely, XXXX XXXX XXXX accounts per pertaining to Social Security number XXXX Here 's a complete list of all XXXX accounts that you closed with the last XXXX digits of every account number XXXX advantage XXXX XXXX Home insider perks XXXX XXXX REWARDS XXXX XXXX synchrony XXXX XXXX. XXXX XXXX. XXXX advantage. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX Synchrony home. XXXX XXXX. PayPal credit. XXXX XXXX. XXXX XXXX XXXX. Synchrony home. XXXX XXXX. XXXX XXXX tire service. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX card. XXXX XXXX. XXXX, XXXX. XXXX XXXX. Care Credit. 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