Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Good day to you, I am taking the time to write concerning what I consider to be an unfair business practice from one of my former credit companies, Synchrony Bank ( credit cards ). I have been a credit card holder through many different accounts through Synchrony financial for many years, some by choice, some because apparently Synchrony bought out the prior credit service company. In all, I had 11 different credit card accounts for 11 various credit and retail store locations. ALL of my accounts were in good standing, to the best of my recollection, I dont believe I had ever had so much as a late payment on any of the accounts over the years. My credit score is very good and I used the accounts on a regular basis. Never had any problems. The first week of XXXX, 2026, I started receiving letters from Synchrony Financial, one for each of my 11 credit card accounts saying the account was being closed. The reason given in the letters was basically saying that they were afraid that I did not have the resources to pay the accounts. Again, I have never missed a payment, I normally made more than the due amount and payments were generally made much earlier than the due dates. There was no reason in my account history for there to have been a problem. So I started calling the numbers on the notice letters ( almost every account had a different number to call!! ) Making these calls did absolutely no good, all their foreign robots ( India I am guessing ) would give me no reason as to why my accounts were being closed. All they kept doing was reading back the exact words that I had on the paper in front of me. I asked them several times to talk to someone in the US, I was denied. I asked several different agents for supervisors or managers, I was denied that many times. The one time I was given a manager, she again could give me no information other than what was in the letters I received, at the end of the call she informed me they could cancel anyone at anytime for no reason at all and stated that, maybe Synchrony just doesnt like you, then hung up on me. That sounds like a statement of discrimination to me. So that night, I believe XXXX XXXX, 2026, just for fun I decided to go onto the site for XXXX XXXX ( one of my accounts they closed ) and apply for a credit card. Using the same credentials and all the same personal information, I was immediately approved for a new XXXX XXXX credit card with a {$4000.00} credit line. So I was deemed unworthy to continue my current account, but I was good to have a brand new credit line? That sounds like some kind of fraud going on, I still have the account open with a {$0.00} balance. Over the next few days I decided to try calling in the daytime, 2 times I actually reached people who spoke English!! Unfortunately I was told again that they were not allowed to tell me anything other than what was in the letters I had received. These agents did actually fill out a form to request a credit review for me. After another week or so I received phone calls from 2 different specialists who took some more information from me and said they were in charge of reviewing the accounts and they would get back with me. It has been over a month now, I have still heard nothing from these specialists. I have never received any real reason as to why my accounts were closed, what changed in my credit history that prompted this attack on me, I have received nothing! At first I felt as if my account was hacked or some kind of fraudulent behavior was happening somewhere, Synchrony still has not even confirmed or denied that suspicion. At this point I feel that the decision was nothing more than a malicious attack on a loyal customer with a stellar payment history in an effort to hurt my credit score and cause issues with creditors for me, Pretty much defamation of character. I would like this to be investigated, if for no other reason, than to ensure that there are agencies that can and will stand up to corporate bullies like Synchrony and enforce that they should not be using underhanded tactics to defame customers and potentially cause them this amount of anguish because they just dont like a customer anymore. They refuse to give real reasons as to why customers are being punished and have their agents trained to refuse customers any real support with important situations like these. Please contact me if you feel you would like more information on this matter. Thank you for your time,

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