Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
ATTN CFPB : If you do not stop closing my reports regarding being defrauded by my bank, I will continue to reopen them, .as well as to report to the attorney general, and privately take legal action as well. YOU ARE SUPPOSED TO EXIST TO PROTECT PEOPLE LIKE ME, DO YOUR JOBS. 

RE SYNCHRONY BANK/CARE CREDIT ACCOUNT : when I was initially approved for this card it was with a {$1200.00} balance which I did not use whatsoever for several months upon having the card. I then used the entire balance during a medical emergency, but immediately paid it down to around {$700.00}. Upon submitting this payment my credit limit was immediately lowered TO my balance, putting my CCU at 100 % and heavily negatively reflecting on my credit report. I continued to make diligent payments towards the balance and whenever I was able, I would make a payment much larger than the minimum amount due. EXCLUSIVELY at these times when large payments were made, CARE CREDIT would respond by punishing my efforts and AGAIN lowering my credit limit to my balance, effectively negating any progress made towards paying off my balance and lowering my CCU. As of today, I have been UNABLE to make my payment for this month due to my multiple attempts being continually ignored. The end date to my promo is approaching at which time predatory SYNCHRONY BANK will then charge me an additional 30 % interest on my balance to further financially abuse and punish good customers. I am operating as a XXXX nonprofit which is why I used and wanted to have this card as a form of an emergency safety net for my veterinarian, but since they are untrustworthy and dishonest, I simply want to close my account with a XXXX balance. This can be resolved in XXXX of XXXX ways moving forward ; SYNCHRONY BANK can reestablish my credit limit to the originally agreed upon amount of upon {$1200.00}, And I will continue to make my payments until I reach a XXXX balance, at which time I will close my account. OR, SYNCHRONY BANK can zero my balance as a way to compensate me for the financial abuse, and I will not seek further and continued legal action, including defaulting on my current balance to pursue a resolution in court. Today is XX/XX/2025, and this morning the half dozen or so messages I have left for " XXXX '', the self professed " highest supervisor in the bank '' were finally returned only for her to reiterate that she felt SYNCHRONY BANK reserved the right to defraud and financially abused good customers without reason or legal standing. I will be again escalating this to a corporate supervisor who is hopefully not at mentally and emotionally deficient as XXXX chose to be. I want to again reiterate that I know my rights as a financial consumer, this is fraud, and I will not accept being financially abused and defrauded by my credit card company this way.

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