Credit card -- Trouble using your card -- Complaint #20222724
Complaint Overview
Complaint ID: 20222724
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Texas
ZIP Code: XXXXX
Date Received: 2026-03-12T12:00:00-05:00
Date Sent to Company: 2026-03-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/year>, Synchrony Bank reduced my credit limit from {$2800.00} to {$640.00} despite my excellent payment history and responsible account management. I have never had late payments or negative activity on this account. This is not the first time this has occurred. I previously had a Rooms To Go account ending in XXXX. Synchrony lowered the credit limit on that account and then closed it, even though I maintained a positive payment record. Approximately six months later, I was approved for a new Rooms To Go account with a {$2000.00} limit, which was later increased to {$2800.00} ( account ending XXXX ). Pattern of inconsistent and harmful practices : Synchrony appears to apply inconsistent standards across accounts. When one accounts limit is reduced, it triggers reductions or closures on other accountseven when there is no negative payment activity. This creates a cycle where : A limit is reduced without cause The reduction negatively affects my credit profile Synchrony then uses the lowered score to justify further reductions or closures This pattern is harmful, unfair, and does not reflect my actual credit behavior. Why this is a problem : I have a long history of ontime payments. There is no negative activity to justify these reductions. The repeated lowering of limits and account closures has a compounding negative effect on my credit. Synchronys actions appear automated, inconsistent, and not based on my true creditworthiness. Additional issue : After the most recent reduction, I requested that Synchrony merge the two Rooms To Go accounts ( ending in XXXX and XXXX ) so that I would have only one active account. This request was made to simplify my credit profile and avoid further unnecessary negative impact. If Synchrony does not restore my credit limit, I will be left with only one account to close, which further demonstrates how their actions are forcing negative outcomes despite my positive payment history.
Frequently Asked Questions
What is Complaint #20222724 about?
Complaint #20222724 was filed against Synchrony Financial regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2026-03-12T12:00:00-05:00.
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.