Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I submitted a previous complaint but couldnt upload everything in time because I became very ill from the harassment. The key to my case is exactly like the one that CFPB won previously for {>= $1,000,000}. They used the same two lures to get me to sign up for four Trusted Merchant cards Cards that I didnt need, and cards that individually & collectively were set up to ruin my credit using intentional : 1. DECEPTIVE MARKETING : The Lure : SAVE $ $ $ MONEY on every purchase with these Trusted Lender Store cards that could be used anywhere. Advertising was large bold and colorful. The information about how just getting this many : ( Four Cards hiding behind Names of Trusted Merchants ) ; is done intentionally to set up consumers likely a million or morebased on the amount of ads and targeting me at my current age to steal assets by intention. Again information about how just getting these cards and daring to using them as advertised actually destroys a persons credit so they are trapped in a nightmare of bad credit even though they made their payments on time. Even thought it is not disclosed anywhere to my knowledge that getting this many cards ruins and using them as promoted ruins lives quickly AND : Certainly nothing as big as the COLORFUL HYPE to PUSH so many cards. Telling anyone they can save money big money with every purchase credit as Hype to simply get new customers to target them for stealing assets. 2. TARGETING A VULNERABLE AUDIENCE : I received so many ads from Synchrony and at first I threw them all away. Then I thought maybe it works be good of it saved me money on things I needed to fix my things. That again was HYPE to PUSH all CONSUMERS INTO a dangerous trap of OVER-USAGEwhile Sychronys end goal was actually trying to push consumers over the brink with bad credit just upon application. so when I attempted to refinance all my loans on : XXXX XXXX XXXX@ 1.5 % 15 year my score had been decimated by Sychrony purposely in order to push my myself and likely XXXX of other off the cliff to allow them to steal my and other targeted audiences assets. All my loans would be in the second 1/2 of the 15 years meaning its all principle payments now. I was duped by Deceptive Marketing and Predatory Practices. All lenders after this experience need to have a CFPB or other knowledgeable institution needs to make it mandatory all the Credt Scoring is a class that must be passed before any one gets any card, as it is a serious defect there was especially at that time so little information about what makes scores go up and down. XXXX not Synchrony sent me an email as I recall and the first of its kind around XX/XX/XXXX. I have been harassed first by their law firm first by 4 lawsuits meant to wear me down & which one if the arbitrators actually wrote a letter on my behalf that it was XXXX as the debt at that time was only XXXX combined. after which XXXX on Sychronys advice suppressed my case 2 levels down in order to do nothing more than win then attempt to steal assets. This was at Sychronys bidding because Sychrony on their terms and conditions said they paid THEIR ARBITRATOR $ XXXX. After realizing no one ever saw my caseI was bullied at every nor did they ever even ask me any questions. Most of these calls are on CD. From the court or I recorded my own. I also became very sick. I had a servers license and a notary liscense but became so sick during XXXX but unrelated to XXXX as I was sick from harrassment, a case suppression and bullying in the court room by every attorney and arbitrator and judge yet not one was allowed to see my case based on the attorneys SYCHRONY DIRECTED AND CHOSE. ALSO : Sychrony is tells the arbitrators they pay Their Arbitrator on their terms and conditions $ XXXX it seems they are all working together. I was never asked even one question or even allowed to speak. I was bullied by all judges and arbitrators who all seemed to be working together. Its all on tape or court reporters who the judges know they cut off the recorder when the judge stands up. I was again threatened by the judge and was beyond rude because I was simply trying to defend myself. She did not allow me to submit my evidence. My case was suppressed by Synchronys attorneys. And more. I have documentation about all of that however, the primary cause of this complaint is that they did the same thing to me they did under the Gigantic Settlement CFPB won for {>= $1,000,000} same reasons as mine. 1. Deceptive Marketing : Save Money using our 4 store cards. 2. Targeting a Vulnerable Audience to set them up to ruin their credit originally XXXX them decimated by lack of upfront disclosures to XXXX. Ill be getting all the paperwork to CFPB within 15 days including shipping. Will try to upload if I can get basic assistance from the library or from CFPB I did try to do this before but I was battling a very serious illness caused by stress of what they are doing to not only my life but likely many many victims of these predatory behaviors. This is a HUGE Class Action. Also : 1. The Statue of Limitations : New Mexico are 4 years for credit cards. As : They lost the case against me when they suppressed mine ( documents to prove that claim )! They offered a bribe to Their Arbitrator of {$840.00} k in the terms and conditions. None of this is normal. It has to be stopped and there must be many other consumers that would like to join this class action as Sychrony is the leader in complaints of harassment and deceptive practices more online. Every day they take lists down but many remain. The co-collaborators : Extreme harassment by those that knew nothing about my case being suppressed yet are tossing my file between them to scare and harass me. Over the next 4 days I will add them the 4 collaborators separately then organize all evidence to submit before the deadline this time. I need this to be resolved. They honestly are out of control. They have ruined thousands of lives with misrepresentations & mistrials. 1. XXXX posing as a debt collector with others here now actively passing the harrassment between them : 2. XXXX 3. XXXX 4. XXXX I was told by CFPB to open 4 other cases against them as I have evidence for everything. I keep getting emails to send in my information to and was told to send a copy to your Washington address also. Im getting all the evidence to your headquarters and to CFPB themselves which have been asking for it since I started by this in XX/XX/XXXX. I organizing it all now and expect to upload it this coming week. I was also told to open a total of this plus 4 cases separately to include the collaborators who are actually one big extreme harassment factory. All working together without knowing anything about the case suppression except what Ive told them and they ignored it. If they worked harder at being forthcoming about the truth of credit scoring I would have never ever gotten even one card. Never ever! I am just trying to help your government organization to make a second {>= $1,000,000} to make sure youre funded. No way Synchrony can win this case.

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