Credit card or prepaid card -- Getting a credit card -- Complaint #5950551
Complaint Overview
Complaint ID: 5950551
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: California
ZIP Code: 92627
Date Received: 2022-09-05T12:00:00-05:00
Date Sent to Company: 2022-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I applied for a Paypal Mastercard on JXX/XX/2022. The website requested that I unfreeze my credit report, which I did with XXXX. Then it asked me to unfreeze my credit report with XXXX, which I did. Then the website locked me out. Subsequently I received notice that my application had been denied due to a credit freeze. However, when I checked with XXXX I found that Synchrony bank had accessed my credit report with XXXX and did a hard pull which decreased my credit score. Synchrony claims they did not, and XXXX said they did. XXXX then sent Synchrony an inquiry on this matter on XX/XX/2022 and they have not replied. I need to have the hard pull removed from my credit report, or the credit card be issued. I am attaching a screenshot from my credit report from XXXX showing the hard pull and also the three letters of decline from Synchrony stating I was declined because they could not access my credit report, when in fact according to XXXX, they did.
Frequently Asked Questions
What is Complaint #5950551 about?
Complaint #5950551 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-09-05T12:00:00-05:00.
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.