Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has someone inside their company tampering with and manipulating credit card accounts and associated credit files especially TransUnion without good cause. Because Synchrony lowered my credit limit from {$1500.00} to {$1000.00}, and then added interest that was above that limit and closed my account, they have significantly damaged my credit. On the day that my company had a mass layoff, I received a letter from XXXX XXXX Synchrony Bank XXXX verify that my income hasn't changed. The timing was a huge red flag. I have a store credit card for XXXX XXXX that is offered through Synchrony Bank. I was never late and in good standing. On XX/XX/year>, Synchrony bank sent a letter stating they reviewed my account and they were lowering my credit limit in part based on an erroneous collection placed on all 3 credit bureaus. They also cited other reasons supposedly supplied by TransUnion that didn't make sense considering that I was making extra payments on the principle on my mortgage at the time. I called to ask them to review the account and fix their error and they said they would look into it. At that point, I began receiving declines for a request to increase my credit limit. I called back and explained that I am not looking for an increase in my credit limit, I wanted them to put the limit back where it was prior to lowering it giving the illusion that my balance was close to or above my credit limit. Additionally, on the year anniversary of having an account with Synchrony, they added a full year of interest charges solidly putting me over my reduced credit limit. I once again called to ask if they would please return my credit limit to the original amount considering I was never late. After that call, I received a notice stating that my new credit card that I requested was being sent to my new address. I never requested a new card and certainly didn't have a new address. The new address was for a home in a different state, GA. I called and notified Synchrony that I suspected fraud from their internal team on the very day the change was made. They allegedly changed my address back to the correct address that very day. Closed the original account and sent me a new card on a new account. Shortly after getting the new card on the new account with the lowered credit limit and all of the additional interest added, Synchrony closed my account including the new account all together with no explanation. I called and asked them to reopen the account reminding them that I was never late. They refused to reopen my account. This caused a significant drop in my credit score just as reducing my credit limit did. Additionally a Synchrony employee reported the fraudulent address to the credit bureaus days later as an address change that was added to my credit file despite my credit file being frozen for each bureau. I had to notify each of the credit bureaus that my address didn't change and add a fraud alert. It appears a rogue unscrupulous employee has access to my Synchrony Bank account and my credit file namely TransUnion.

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