Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Request for Reconsideration of Account Closures To Whom It May Concern, I am writing to dispute and request reconsideration of Synchronys decision to close all of my accounts. 

At the beginning of XX/XX/year>, I paid off close to {$30000.00} in Synchrony balances, leaving only about {$2700.00} outstanding between Care Credit and PayPal Credit. 

On XX/XX/year>, Synchrony approved me for a new Car Care Credit account of which I was solicited by Synchrony to apply for. On XX/XX/year>, Synchrony increased my credit limits on both my Lowes and CareCredit accounts. Then, on XX/XX/year>, all of my accounts some of which I have held for over XXXX years with perfect on-time payment history were suddenly closed without warning. I am XXXX XXXX XXXX. PayPal and Amazon were my first credit cards when I was XXXX. I have never missed a single payment. 

The following accounts were affected and need to be immediately reopened : Car Care ( ending XXXX ) ( new card I haven't even received ) CareCredit ( ending XXXX ) Lowes Credit ( ending XXXX ) Amazon XXXX ( ending XXXX ) PayPal XXXX ( ending XXXX ) PayPal Credit ( last XXXX digits unknown ) When I contacted Synchrony, I was told by an Amazon/Paypal account XXXX that XXXX XXXXeported I had too high balances. This is not accurate. By the time of closure, all of my Synchrony accounts had been paid off except for a small balance. Plus my other cards not with Synchrony have been paid off also. 

I dont know if a computer or XXXX made this decision, but if an actual human being looks at my spotless history and large lump-sum payoff, they would clearly see that I am not a high risk to repay- this is absurd. A few years ago, Synchrony even closed an old Lowes account of mine, and I still paid it off in full ( XXXX ). My record proves I honor every obligation regardless of account status. 

This sequence of events is contradictory and unfair : Synchrony approved new credit and raised limits, then immediately closed all accounts. 

I have maintained a perfect XXXX history of on-time payments. 

Synchrony performed a hard inquiry for the new Car Care account, only to close all accounts before I even received the card. 

This feels like a breach of trust and an unethical way to treat a loyal customer. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), who will be investigating Synchrony 's unscrupulous action. They recommended I reach out to Synchrony directly because the chain of events seems like an error. The Amazon/PayPal credit XXXX also agreed this makes XXXX sense and seems to be a system error. 

I respectfully request that Synchrony : Have an actual human review all my synchrony accounts, perfect payment history and reinstate my accounts. 

Provide a clear, written explanation for these closures, given the contradictory approvals and limit increases just days earlier. 

Ensure that my credit reports accurately reflect my spotless record and that no negative reporting results from Synchronys actions. 

What kind of company closes all of somones accounts sighting high risk not to pay, even though in the last XXXX years a single payment has never been missed furthermore the same company just received about {$30000.00} in payments. 

Thank you for your attention. 

Sincerely, XXXX XXXX cc : CFPB

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