Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Complaint Synchrony Bank To : Consumer Financial Protection Bureau I am submitting this urgent complaint regarding Synchrony Banks sudden and devastating reduction of my available credit line, carried out without notice, explanation, or any fair opportunity to respond. 

Until recently, my Synchrony/Amazon card carried a {$9000.00} credit line. Without proper notification or justification, Synchrony unilaterally slashed my available credit to {$5700.00}. This action has effectively eliminated any usable credit, leaving me financially paralyzed while I am traveling overseas and unable to access basic protections.

I called Synchronys automated line to verify the situation. The system read a long statement claiming my credit had deteriorated, and that this was the reason for the cut. However, this is inaccurate and misleading. Synchrony ignored my history of responsible use, and instead participated in the same systematic targeting pattern carried out by other banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

No Written Notice or Transparency : XXXXynchrony claimed a letter would be sent. I have no stable U.S. mailing address now, and this so-called notice will never reach me. Functionally, this means Synchrony cut my credit without any real notice.

Targeted Harm : By reducing my available credit from {$9000.00} to {$5700.00}, Synchrony stripped away my last line of defense. This appears designed not to manage risk, but to deliberately destroy my financial survival.

Systematic Pattern : Synchronys action is not isolated. XXXX froze {$740000.00} of my own funds. XXXX XXXX XXXX cut my credit line from {$14000.00} to {$7900.00}. XXXX XXXX slashed {$10000.00} of available credit after 25 years of loyalty. Now Synchrony has joined in. Together these actions have left me completely unable to pay for health care, housing, travel, or legal recourse.

The result is catastrophic : I am now homeless, without health insurance or life insurance.

I can not protect myself or my family through the courts, as I have been stripped of every avenue of financial access. 

By removing credit and refusing to release funds, these banks have annihilated my civil rights to property, due process, and survival. 

Requested Resolution ( Fair Resolution ) : Immediate restoration of my credit line to the prior {$9000.00} level. 

Formal written acknowledgment from Synchrony Bank of the reason for this sudden reduction. 

Oversight from CFPB and referral for investigation into whether these actionstaken in concert with XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the level of criminal misconduct, coordinated targeting, or discrimination. 

I further request that CFPB take notice of the pattern across all major banks, as this is not a single dispute but part of a larger scheme to eliminate me financially and personally. 

I respectfully urge the Bureau to expedite review. This situation is a matter of survival : I am currently overseas, unable to return to the United States, and facing complete destitution because of Synchrony Banks deliberate actions. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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