Consumer complaint received 2025-12-08 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:
Subject : Complaint Regarding Improper Identity-Based Denial Synchrony Bank / CareCredit

I am filing this formal complaint regarding Synchrony Banks improper denial of my CareCredit application based on an unable to verify identity determination. I was never offered any opportunity to cure or validate identity information a right clearly afforded under the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Regulation B, which require creditors to allow consumers to provide documentation to resolve identity-verification issues before rendering an adverse decision.

I was initially pre-approved for a {$6500.00} cr
edit line and voluntarily completed Synchronys ID verification process, including submission of identifying information that precisely matches my TransUnion and XXXX  consumer reports. I provided : My full legal name Social Security Number Active phone number Current California address Employment as a private-duty travel nurse Excellent credit history Despite the accuracy and consistency of this data, I received a denial with no representative contact, no request for supporting documents, and no method to cure any alleged discrepancy. This constitutes a failure of due process in consumer credit adjudication. 

I am a licensed New York nurse temporarily living and working in California, which is normal for travel-healthcare professionals. Any resulting address update or verification question is simple to resolve and routinely accepted by other institutions. Synchronys automated denial appears both arbitrary and unsupported by any actual identity-risk indicators. 
This denial has caused direct financial harm as I am seeking access to CareCredit for urgent and ongoing veterinary medical care for my service dog, who is facing surgical removal of her XXXX. CareCredit exists specifically to support essential care needs like this, and denying access without lawful procedure is deeply harmful and unfair. 
Synchronys conduct appears to violate : ECOA / Regulation B refusal to allow a reasonable opportunity to verify identification FCRA failure to properly reconcile accurate and consistent consumer-report data UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ) arbitrary and harmful denial of needed medical financing Requested Resolution : I request CFPB assistance to ensure Synchrony : Immediately reinstates and approves my CareCredit account with the originally quoted {$6500.00} credit limit, contingent on routine document verification Removes any negative decision or internal flag arising from this denial Contacts me directly to complete the process swiftly and in compliance with federal law I can provide supporting documents including driver license, California nursing license, bank statements, and proof of current assignment all available upon request.

I respectfully request the Bureaus intervention to facilitate a prompt and fair resolution so that I can secure needed medical financing for my service animals care. 

Sincerely, XXXX XXXX XXXX Complainant 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