Credit card or prepaid card -- Trouble using your card -- Complaint #7176644
Complaint Overview
Complaint ID: 7176644
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Georgia
ZIP Code: 31904
Date Received: 2023-06-27T12:00:00-05:00
Date Sent to Company: 2023-06-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
i logged into my Lowes credit card account on XX/XX/2023 to see when and if a payment was due on my account. It was paid in full until recently and was not sure if the few purchases I made were due in XXXX. I was leaving for a trip to NY to deliver my recently deceased spouses ashes to his sister for a final resting place. At that time there was XXXX {$0.00} due and no due date reflected so it wasn't until I returned home and logged into my account to see when the next due date was and what was my available credit limit and found that Lowes/Synchrony Bank is now claiming that my payment is past due! In addition they lowered my credit limit and I was never late any time before. I received no warning of anything due or past due nor was I informed of a credit line decrease. I planned on using my credit card to purchase a new electric water heater as my gas one has become a safety issue and now I am unable to do that. In addition, I contacted XXXX by phone and was outsourced to someone who could not understand me and was of no help. I explained that no payment was due when I accessed my account on XX/XX/XXXX and how could I be past due if no payment was due in XXXX? I also wrote an email to corporate and have had no response. We have a military veterans account and for XXXX to do this is wrong and unfair and people need to be aware of tricky billing and unfair credit line reductions. They also send me daily texts saying to pay at once even though i told them on the phone it would be paid by the XX/XX/2023 2023
Frequently Asked Questions
What is Complaint #7176644 about?
Complaint #7176644 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2023-06-27T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with monetary relief". 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.