Credit card or prepaid card -- Getting a credit card -- Complaint #6635279
Complaint Overview
Complaint ID: 6635279
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Florida
ZIP Code: XXXXX
Date Received: 2023-03-01T12:00:00-05:00
Date Sent to Company: 2023-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I applied online for a lowes/synchrony credit card. I provided all the required information including a biometric scan and images of both sides of my State issued drivers license online. I received an error message that said I needed to go to a Lowes store and apply which I did. The store personnel did not request the biometric facial recognition data or the copies of my drivers license and they informed me that I was denied. I have more than 10 C d accounts and a RoomstoGo/Synchrony account all in good standing. Now I am being told that Synchrony can deny credit for any reason they so choose. This is a direct violation of The Fair Credit Reporting Act as it is worded. I need to know if I can expect this kind of disfunctional credit assessment due to unannounced changes to lending policies which do not mention that this new requirement can be used, even when it doesn't work properly online or in store, to deny credit to a perfectly credit qualified individual.
Frequently Asked Questions
What is Complaint #6635279 about?
Complaint #6635279 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-03-01T12:00:00-05:00.
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.