Credit card -- Trouble using your card -- Complaint #10056719
Complaint Overview
Complaint ID: 10056719
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Georgia
ZIP Code: 30248
Date Received: 2024-09-06T12:00:00-05:00
Date Sent to Company: 2024-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a couple different accounts under synchrony Bank I didn't realize immediately but later that each one of them were tied in as I registered them for online access. I have a CareCredit account for my wife 's XXXX and I have a Sam 's card and I have a TJ Maxx Mastercard rewards card for my wife. She's trying to handle the business but they keep denying her as she is just an authorized user. But these things are also affected her credit. As of earlier this year they continue to decrease all my limits even though I'm paying on the car every month. I've had instances where I receive increases to my credit limits but never a decrease. And it seems to only be with synchrony Bank products. This is really hard in my credit because it continues to decrease my credit limit which decreases my usage my wife 's car has been maintaining a 30 % or less usage since earlier in the year in order to upper score and it has really affected her as well. She went from a {$500.00} credit limit on TJ Maxx to XXXX to XXXX and this is ridiculous. It's always happening in the middle of the closing of a statement where which we've paid a certain balance based on the current limit and all of a sudden it changes. They claim to have sent letters but we don't get any notification till I first done. Can you please have the original
Frequently Asked Questions
What is Complaint #10056719 about?
Complaint #10056719 was filed against Synchrony Financial regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-09-06T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.