Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I was attempting to make a purchase at Lowe 's for {$1700.00} for floor tile. I asked the sales associate, " Would it be possible to split the transaction by making an additional payment on my Lowe 's card? '' and thereby make funds immediately available on the Lowe 's card to split the {$1700.00} purchase. the intent was to use the Low 's card as split payment to take advantage of the XXXX-month no interest feature on the Lowe 's card for purchases over {$300.00}. However, when attempting to complete the transaction as verbally agreed upon by the sales associate prior to swiping my debit card, wherefore after my debit card was swiped for {$770.00} my Lowe 's card was subsequently declined. Much to my surprise, I am standing there trying to figure out haw any of this was possible when I had set-up bi-weekly recurring debit payments from my bank account of {$64.00} for my Lowe 's account effective since XXXX 2015 through XXXX XXXX, 2015. In addition, I made a payment on my Lowe 's account XXXX XXXX, 2015 for {$67.00}. Therefore, I was puzzled as well as surprised to learn on the spot without any prior notification that my Lowe 's account had been closed. More disturbingly is the reality of numerous communications with Synchrony Bank regarding my Lowe 's account, most recently Thursday, XXXX XXXX, 2015, wherefore at no time during the communications with XXXX that customer service representative were there ever any mention of closure of the Lowe 's account. There certainly appears prima facie to me from what I have experienced a potential fraud on the part of Synchrony bank as it relates to the transaction described herein to include the frequency of recurring bank drafts that were established for {$64.00} XXXX and the subsequent closure of the Lowe 's account. at no time with the creditor payments being made by the creditee via direct bank draft present and future should the account been closed without the proper written notification as a matter of law as it relates to full disclosure to the creditee for financial transaction. There was no full disclosure in regards the closing of the account even though the creditee was making regular creditor payments, which is a violation of law and potentially a fraudulent practice by said creditor as the creditee did initially suffer financial harm with the deceit perpetrated by the creditor in its representation to the creditee in regards to this transaction and all future and present payments made to include account status. As a remedy regarding the contents described herein at minimum, the Lowe 's account should be reinstated. Any late fees and/or other fees associated with the closure of the account should be refunded and abated to include the removal of all negative information that has been sent present and/or future to the XXXX major credit bureaus XXXX, XXXX, and XXXX because the erroneous closure of an account should be corrected with an entry as " pays as agree. '' To do anything less speaks to the conflicting statement of " Valued Customer '' when it is the said customer in this instance who has through making regular, and recurring payments attempted to fulfill the obligation associated with said creditor through the creditor, creditee relationship which has been severely damaged as a result of the creditors actions. This speaks to the billing statements that the creditor has sent regarding their willingness to work with the creditee yet their action on all accounts specifically the closing of the account despite accepting frequent recurring payments. Wherefore in reality the statement " If you are having difficulty making payments, we have several temporary repayment options available to help make this easier for you, '' by said creditor in billing statements, yet the reality is creditor closed said creditee account without any notice despite recurring payments.

Company response to consumer: Closed with explanation