Credit card -- Trouble using your card -- Complaint #13205584
Complaint Overview
Complaint ID: 13205584
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: 31088
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I filed a dispute for fraudulent charges on my credit card through XXXX with Synchrony Bank. They supposedly investigated these fraudulent charges and denied they were fraud and held me responsible for paying the bill. After I paid the bill, the company reduced my credit limit from {$3500.00} to only {$100.00} in credit. They deny that the credit reduction is related to me reporting the fraudulent charges, but remarks were added to my credit report that said I disagree with a dispute. These remarks should not have been added to my credit report. Reducing my available credit limit from {$3500.00} to only {$100.00} dropped my consumer credit score by over XXXX points in one day. I have never missed a payment to Syncrony Bank, and they gave me regular & routine credit increases for 3 years. Only after reporting this fraud, they reduced my available credit from {$3500.00} to only {$100.00}. This is XXXX less than what I am used to spending monthly on the card. I have reached out to synchrony and they have kept me waiting on the phone for hours on end, and become very defensive and angry when I attempt to reconcile the issue. I have made 100 % on time payments for 3 years on this account. The sudden reduction from {$3500.00} to only {$100.00} in credit is disrespectful to a client who has always paid ontime and has excellent history of credit with the company
Frequently Asked Questions
What is Complaint #13205584 about?
Complaint #13205584 was filed against Synchrony Financial regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-04-27T12:00:00-05:00.
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.