Credit card or prepaid card -- Getting a credit card -- Complaint #5242070
Complaint Overview
Complaint ID: 5242070
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Application denied
State: New York
ZIP Code: XXXXX
Date Received: 2022-02-20T12:00:00-05:00
Date Sent to Company: 2022-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I, XXXX XXXX, applied for and was approved for the XXXX XXXX XXXX XXXX card, issued by Synchrony Bank. I received written approvals not only on Synchrony 's website, but in an email sent directly to me as well. Both stated that I would be receiving my card in XXXX business days. Furthermore, I was provided with a XXXX reference number that was supposed to enable me to shop online at XXXX immediately while waiting for my card to arrive in the mail. However, upon entering the reference number, I repeatedly was unable to place my order. I spent hours on the phone with XXXX, who referred me to Synchrony. Synchrony stated that my application had been denied. I strongly protested, and advised that I had received XXXX written approvals, a XXXX reference number enabling me to shop, and was told my card would be arriving in XXXX business days. How could all that happen if I had been denied? I posed that question to Synchrony, and they refused to answer and just kept saying that my application was denied. I insisted there had to be some mistake or oversight, and even offered to forward them my approval email. They were extremely rude and hostile throughout, and actually said that they don't have any email addresses that I could send my approval to. I guess they don't use email. Synchrony has been disingenuous and deceptive, and this is egregiously unjust. A credit card company should not be able to advise me not once but TWICE that I was approved for one of their products, then tell me to expect it in the mail, and then offer me a way to use my card online before it arrives, only to turn around and say nope you're denied we're not sending it to you, and we refuse to even acknowledge your question about why you received XXXX written approvals if you had been denied. I never would have even applied for this card if I knew this was going to happen.
Frequently Asked Questions
What is Complaint #5242070 about?
Complaint #5242070 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-02-20T12:00:00-05:00.
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.