Credit card -- Closing your account -- Complaint #16830435
Complaint Overview
Complaint ID: 16830435
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Company closed your account
State: South Carolina
ZIP Code: 29154
Date Received: 2025-10-26T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My credit card account with Synchrony Bank was closed without notice or justification on XX/XX/year>. I have never missed or been late on any payment. The account was in good standing, and I used it responsibly. This sudden closure has negatively impacted my credit utilization ratio and, as a result, my credit score. Synchrony did not provide any advance warning or opportunity to keep the account open. I am requesting that the CFPB review this matter to determine whether Synchrony Banks account closure policies are unfair or harmful to consumers with good payment histories. I would like Synchrony to reinstate my account or, at minimum, report it as closed at consumers request instead of closed by creditor, to prevent damage to my credit report.
Frequently Asked Questions
What is Complaint #16830435 about?
Complaint #16830435 was filed against Synchrony Financial regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-10-26T12:00:00-05:00.
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.