Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5965918
Complaint Overview
Complaint ID: 5965918
Company: Synchrony Financial
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: New Jersey
ZIP Code: 070XX
Date Received: 2022-09-09T12:00:00-05:00
Date Sent to Company: 2022-09-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a credit line with Amazon XXXX. It was suddenly reduced from XXXX to XXXX because Synchrony Bank punished me for not having information it never asked me to provide in the first place. I called Synchrony Bank to dispute but was directed to XXXX. Synchrony Bank said it would return the credit line if it received notification from XXXX did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.
Frequently Asked Questions
What is Complaint #5965918 about?
Complaint #5965918 was filed against Synchrony Financial regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-09-09T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.