Consumer complaint received 2025-12-30 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: NC

Complaint narrative:
To whom it may concern my name is XXXX XXXX and Im writing you concerning an a matter in need of urgent help from you Do to wrongful closure of my XXXX  Rewards credit card account I didnt had this account for while I only had this account for only a week and a half Im a XXXX XXXX XXXX woman never have I ever miss a bill payment or not pay my bills on time The balance on my credit rewards card from XXXX XXXX  is not on it due date I always pay early a head of time before it due date Ive process the payment of {$100.00} XXXX XXXX Tuesday I process {$73.00} XXXX XXXX Sunday When I check my account Monday they close my account according to what has been email or text to me my account is closed due to too many returns payment The money never left my account I made an instant debit transfer from my XXXX XXXX XXXX  account of {$160.00} to my XXXX  debit card I then contacted them through chat as we were conversing through chat the chat line drop or stop on my end so then I called and spoken with customer service Synchrony Bank who approved my account for XXXX rewards credit card However I explained to the young woman I spoke with that I made the payment of {$73.00} Sunday the XXXX of XXXX first Then I process the payment of {$100.00} Tuesday of XX/XX/XXXX I forgot her name but she said to me that theres nothing she can do to reopen my account I requested to dispute their bank error but I was again informed by her there is nothing she can do to clear the error of closing my account do to inaccurate errors of return payments to my account All to say is this each payment have gone through successfully there is no return payments if there is the money should have return to my bank account It hasnt I made an instant debit electronic transfer from my XXXX XXXX XXXX  account to XXXX bank account As I have said before the money never left my account I have stress my concern to synchrony customers service nothing was done about it at all My credit has dropped XXXX points from my credit due to wrongful closure of my account with XXXX  Rewards Credit Card by synchrony bank and theres an inquiry on my credit report from this bank that would be on my account for 2 year a I was never informed about the return payments Their customer service is horrible and their service is horrible No one should suffer brutal mistreatment even more so on a greater scale Im an elderly woman XXXX XXXX and I have never harmed or hurt, or caused anyone distress This world is bitter I love my XXXX the true XXXX and his words does not lie according to XXXX XXXX XXXX No natural affection This world has changed a lot throughout my many years here on this earth for XXXX XXXX Please Im writing for your help To help get this sorted out so that I may get my credit back stable and I pray that this doesnt happen to anyone else Thank you

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