Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CFPB Complaint Narrative Financial Institution : Synchrony Bank Product : Credit Card ( XXXX XXXX XXXX ) Issue Type : Credit Denial / Inaccurate Credit Reporting Used in Decisioning Date of Denial : XX/XX/year> Complaint Summary Synchrony Bank denied my application for the XXXX XXXX  XXXX XXXX XXXX  based on materially false and inaccurate credit information, including a XXXX  credit score of XXXX allegedly obtained on XX/XX/year>. This score is demonstrably incorrect and does not reflect my actual credit profile. The adverse action reasons cited are also inaccurate and unsupported by my verified credit reports. 

This appears to constitute a failure to ensure reasonable procedures for accuracy in violation of the Fair Credit Reporting Act ( FCRA ). 

Detailed Explanation On XX/XX/year>, I received an adverse action notice from Synchrony Bank stating that my application was denied in part due to a XXXX  score of XXXX dated XX/XX/year>. This score is grossly inaccurate. 

As of today, my verified credit profile reflects : Accurate Credit Profile ( Verified ) : FICO Score XXXX : Approximately XXXX Payment History : 100 % on-time ; no late payments ever Derogatory Marks : None Revolving Utilization : Low and responsibly managed Length of Credit History : Approximately 10 years Income : Stable, high, and well-documented I am attaching my current XXXX credit report, which clearly contradicts the score and data Synchrony claims to have relied upon. 

Additionally, the denial reasons listed in the adverse action notice including : Too many recent inquiries Revolving balances too high relative to limits Balance of non-mortgage accounts too high Length of time since most recent bankcard too short are factually incorrect and not supported by my actual credit file.

Why This Is a Serious Issue Synchrony Bank appears to have : Used inaccurate or misattributed consumer credit data, Failed to verify or reconcile obvious discrepancies before issuing an adverse action, Issued a denial based on information that does not belong to me or is otherwise erroneous, and Provided adverse action reasons that are misleading and unsupported.

This raises serious concerns regarding Synchrony Banks compliance with : FCRA 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ), and FCRA adverse action requirements, which require accuracy and good-faith reliance on consumer report data.

Resolution Requested I am requesting that Synchrony Bank be required to : 1. Immediately conduct a reconsideration of my XXXX XXXX XXXX application using accurate and verified credit data ; 2. Explain how a XXXX  score of XXXX was generated or attributed to my application, including whether a mixed or corrupted file was used ; 3. Correct any internal records reflecting inaccurate credit data ; 4. Provide written confirmation of the outcome of the reconsideration ; and 5. Implement corrective measures to prevent similar inaccuracies affecting other consumers.

I am seeking prompt resolution without further escalation, but I reserve all rights should this matter remain unresolved.

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