Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a customer/consumer of the financial institution Synchrony Bank and its subsidiaries/parents/affiliates/etc.

PRIVACY Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Synchrony Bank is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me. 

I provided opt out instructions to Synchrony Bank in XX/XX/year> via the online messaging center in my accounts portal. My instructions were not complied with, as evidenced by Attachments 1, 2, and 3, which are consumer reports showing my account information reported after my opt out notice. Synchrony Bank continued to report my personal information after receiving my opt out notice, which violated consumer privacy laws.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Synchrony Bank does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, from XX/XX/year>, to a non-affiliated third party or credit reporting agency. There should have been no furnishing of account information as of XX/XX/year>, and anything furnished as of the date is mandated to be removed ; inclusive of, but not limited to, balances, amounts, late payments, status, remarks, comments, highest balance, updated dates, last payment dates, etc. 

FAIR REPORTING Additionally, Synchrony Bank furnished information to credit reporting agencies while the account balance was still in dispute. Attachment XXXX shows the account was in dispute, still, as of XX/XX/year>, therefore, XXXX and XX/XX/year> information should not have been furnished. Furnishing information during those months was a violation of fair credit reporting 15 USC 1681s-2. Consequent to Synchrony Banks unlawful actions, I was denied when applying for a loan recently ( Attachment 5 ).

15 USC 1681n states, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Synchrony Bank owes me {$3000.00} in civil damages : {$2000.00} for furnishing information to XXXX for XXXX and XXXX, and {$1000.00} for furnishing information to XXXX for XXXX.

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