Credit card or prepaid card -- Closing your account -- Complaint #4568674
Complaint Overview
Complaint ID: 4568674
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Florida
ZIP Code: 33024
Date Received: 2021-07-22T12:00:00-05:00
Date Sent to Company: 2021-07-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 While checking to see if my automatic payment from my checking account post ] ed to my PayPal master credit card, the system stated to me I needed to contact customer. Immediately, I contact my credit card company which Synchrony bank to see what's going on. First representative, stated to me I reported my card lost or stolen. I then replied and stating I never called to report that, my card is here in my hand. I asked to get my call escalated to a supervisor. I spoke to a supervisor, she informed me that the prior rep gave me the wrong information. However, they were informed my account was fraudulent opened and I ask who informed your company that, That's not true. I opened my account and I actually had to fully verify myself by scanning my face and the front and back of my state issued DL prior to getting an approval. She said she's very sorry that I experienced this issue and she will help to get my account verified. She then sent me a link via text where again I had to do the same process as before when I applied a few months ago, scanned my face and front and back of my ID and then give her the code that was sent after. She then, fully verify me and made a note to send to the investigator on the case. She advised me that a new card will be issued and to destroy the one I have in my hand. I asked if I can get a reference number to follow up, she said no there's not one to be given. I asked can I have the investigator 's name and number to follow up with this issue, she said she can't give out that information. She said however, I can call and provide the customer service rep with the last 4 of my card and they can help with any of my concerns. Today, I receive notice from XXXX, XXXX, and XXXX that my account was closed. Immediately contact customer line to inform them of this and have them to reopen my account. Called over 5 times and no one was able to help or transfer me to the right department. This is a mistake on their behalf, I would like my account to be reopened in good standing and report this account to all reporting credit agencies with the report of my prior payment history. This is a huge inconvenience and their customer service agents sucks.
Frequently Asked Questions
What is Complaint #4568674 about?
Complaint #4568674 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-07-22T12:00:00-05:00.
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 or prepaid 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.