Credit card -- Other features, terms, or problems -- Complaint #18286095
Complaint Overview
Complaint ID: 18286095
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Privacy issues
State: Washington
ZIP Code: 98125
Date Received: 2025-12-25T12:00:00-05:00
Date Sent to Company: 2025-12-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Without my knowledge or consent this company keeps pulling my credit and lowering my credit limit even though my bill is always paid on time. Synchrony has a monopoly on store credit cards etc, and they use that to ruin peoples credit by lowering credit limits. So instead of increasing my available credit when I make a payment, these jokers are making my credit score nose dive by making it look like Im maxed out.
Frequently Asked Questions
What is Complaint #18286095 about?
Complaint #18286095 was filed against Synchrony Financial regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-12-25T12:00:00-05:00.
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.