Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Date : XX/XX/XXXX Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank ( CareCredit ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Illegal credit limit reduction, unfair debt collection, inaccurate account reporting, XXXX discrimination, and prevention of critical medical care What Happened : On XX/XX/XXXX, Synchrony Bank reduced my CareCredit credit limit from {$2300.00} to {$1400.00} without clear justification, violating the Consumer Financial Protection Act ( CFPA ), Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Americans with Disabilities Act ( ADA ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CareCredit is my only means to fund these treatments, as Medicare and supplemental insurance are insufficient. This reduction halts my ability to complete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Synchrony failed to acknowledge payments made on my behalf, inaccurately reporting my account status, and misinforming their credit decision. Their adverse action notice lacks specificity, violating ECOA. As a XXXX individual, I was not provided accessible contract terms or assistance at application, violating ADA requirements ( 42 U.S.C. 12182 ). This reduction discriminates against me based on my XXXX, ignoring my reliance on CareCredit for medical necessity. Synchronys opaque scoring system prioritizes generic credit metrics over my survival, constituting unfair and deceptive practices under CFPA ( 12 U.S.C. 5536 ). 

This action risks my life, as untreated conditions could lead to XXXX XXXX XXXX XXXX XXXX. Synchronys history of regulatory violations ( e.g., CFPB XXXX XXXX XXXX XXXX XXXX  FTC XXXX Synchrony BankXXXX XXXX XXXX  underscores their pattern of harmful practices. If I can not continue treatment, Synchrony risks non-payment of my balance, as my estate will prioritize other obligations. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Denying services due to XXXX violates ADA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Unjustified barriers to necessary services for XXXX persons are discriminatory. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Inaccurate credit reporting causing harm violates FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reliance on inaccurate data violates ECOA. 
What I Want the Company to Do : Reinstate Credit Limit : Restore my CareCredit limit to {$2300.00} immediately to enable access to critical medical treatments. 
Correct Account Errors : Update records to reflect all payments, including third-party payments, and conduct a manual review of my creditworthiness. 
ADA Compliance : Provide accessible contract terms and confirm accommodations for my XXXX in future communications. 
Written Apology : Acknowledge the life-threatening impact of their actions and cease dismissive language. 
CFPB Notification : Confirm reporting of this issue to CFPB for compliance review. 
Engage in Dialogue : Contact me to resolve this matter and discuss accommodations. 
Fair Resolution in My Opinion : Restoration of my {$2300.00} credit limit, correction of account errors, and ADA-compliant accommodations would allow me to continue life-sustaining treatments and maintain payments to Synchrony. This prevents harm to my health and financial loss to Synchrony, aligning with CareCredits healthcare financing purpose. 
Additional Information : The credit limit reduction prevents treatment for my eye conditions and other disability-related health issues, risking systemic complications. 
I intend to escalate this to the U.S. District Court for Nevada, the Nevada Attorney General, the Federal Reserve, and the media if unresolved within 14 days.

Synchronys actions not only threaten my life but also risk reputational and financial consequences given their regulatory history. 
Attachments : I have supporting documentation. 
Certification : I certify that the information provided is true and correct to the best of my knowledge. I understand that the CFPB may share this information with Synchrony Bank and other regulators to address my complaint. 
Contact Preference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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