Credit card -- Trouble using your card -- Complaint #18549777
Complaint Overview
Complaint ID: 18549777
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Nevada
ZIP Code: XXXXX
Date Received: 2026-01-07T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> I was going to make a purchase at JC Penny 's and they closed my Tjx Rewards Mastercard without even notifying me. I spoke to XXXX the supervisor on XX/XX/XXXX at XXXXXXXX XXXX and she told me I was high risk. I pay my TJ Card on a regular basis with only a {$250.00} limit. I explained to XXXX that I had to cut down my work hours to take care of my XXXX XXXX XXXX mom so I was having financial difficulties on managing my other credit cards. I tried to explain my situation to the other credit card companies to make arrangements but they refused to help in any way. XXXX was the rudest, nastiest, most unprofessional supervisor I have ever dealt with. I would like this credit card open as I have been paying good on it. The agents and supervisors should be retrained on customer service and I do not appreciate being treated like a criminal when I am in a very hard situation I am trying to get through. Not everyone is a criminal or trying to work the system. I was treated very badly and I do not appreciate it.
Frequently Asked Questions
What is Complaint #18549777 about?
Complaint #18549777 was filed against Synchrony Financial regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2026-01-07T12:00:00-05:00.
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.