Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SUBJECT : Systemic Pattern of Coercion, Refusal of Tender, False Statements, Retaliatory Limit Decreases, Inaccurate Portal Servicing, and XXXX Violations Across Entire Synchrony Portfolio ( XXXX, XXXX, XXXX ) I am a loyal XXXX XXXX consumer with over XXXX years of immaculate credit history and no missed payments, currently navigating a documented medical insolvency with {$0.00} disposable income.I am filing this single, master complaint against Synchrony Bank because it is the umbrella institution managing my XXXX co-branded retail accounts : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. To proactively prevent default across my entire Synchrony portfolio, I enacted a XXXXXXXX XXXX XXXX XXXX, tendering {$10.00} monthly " Good Faith '' payments via Certified Mail for all three accounts.Despite being different retail products, Synchrony Banks underlying automated systems and front-line agents are subjecting me to the exact same coordinated, predatory pattern of Abusive Practices across all three XXXX. Coordinated Refusal of Tender, Flat-Out False Statements & Manufactured Strain : Across the board, Synchrony 's automated mailroom maliciously bounced my physical {$10.00} Good Faith checks, sending identical rejection letters with the flat-out false statement that I was trying to " pay my balance in full ''. I never tried to pay anything in full or settle. What caused me immense and unnecessary mental stress is the glaring contradiction : Synchrony sent these rejection letters AFTER your billing department had already successfully cashed and applied my previous {$10.00} payments to my balances. It is profoundly confusing and abusive to seamlessly accept my payment the first time, but reject the exact same payment the second time. This forced me to spend my severely limited funds on repeated Certified Mail postage to resend the checks, adding devastating financial cost and stress to my medical XXXX. Retaliatory Credit Limit Decreases ( " Balance Chasing '' ) : Synchrony responded to my proactive hardship request by maliciously slashing my credit limits. Most notably, my XXXX credit line was aggressively lowered to {$5700.00}. This automated " balance chasing '' is designed to artificially inflate my credit utilization and destroy my pristine XXXX XXXX XXXX across my portfolio while I am actively trying to XXXX. XXXX XXXX XXXX XXXX XXXX Violations : Across all accounts, Synchronys online portals are intentionally restricted to basic chat features. Agents " XXXX '' and " XXXX '' explicitly refused to provide direct messaging or email access to the Loss Mitigation department. My documented medical condition strictly prohibits the stress of telephone negotiations. Refusing a written channel for a medically restricted consumer across their entire portfolio is a severe XXXX XXXX. XXXX & Account XXXX Threats : Chat agents explicitly refused to provide any hardship assistance across these accounts unless I agreed to permanently close my XXXX accounts, attempting to force me to destroy my own credit history to receive XXXX. False Delinquency & Failure to Investigate : My XXXX credit report mathematically proves that Synchrony successfully processed my initial {$10.00} payments for accounts like XXXX. Yet, on XX/XX/XXXX, Synchrony sent an automated letter claiming my XXXX account is " XXXX days past due '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Furthermore, while my bank records prove that Synchrony successfully debited my {$10.00} payments for my XXXX XXXX, their online portal completely fails to reflect these payments or the corresponding balance reductions. Intentionally or negligently withholding accurate payment tracking on a consumer-facing portal creates manufactured panic and misrepresents the true status of the account.Claiming I am past due while actively cashing my checks, lying about my intent to settle, hiding my posted payments from the online portal, slashing my limits, and refusing my XXXX XXXX XXXX across all three of these umbrella accounts constitutes a severe Abusive Act by taking unreasonable advantage of my inability to protect my interests ( mirroring violations cited in the XXXXXXXX XXXX XXXX Consent Order : File No. 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