Credit card or prepaid card -- Trouble using the card -- Complaint #7231902
Complaint Overview
Complaint ID: 7231902
Company: Synchrony Financial
Product: Credit card or prepaid card
Sub-Product: General-purpose prepaid card
Issue: Trouble using the card
Sub-Issue: Trouble using the card to spend money in a store or online
State: Virginia
ZIP Code: 232XX
Date Received: 2023-07-10T12:00:00-05:00
Date Sent to Company: 2023-07-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Friday, XX/XX/2023, I was being declined using my credit card, and I called Synchrony Bank, and they informed me that the account was closed. The representative told me the account was closed because I was deemed high-risk and would receive a letter in the mail. Synchrony Bank went and closed all the cards I had with them. I made many purchases on my XXXX credit card because I am opening an online business and needed merchandise, so I used that card the most. I used that card the most because they would round up my purchase and put the remaining amount towards XXXX. I was using my XXXX card for groceries because I was receiving more points on that card. I used an XXXX credit card when I purchased it on XXXX, and I made a lot with that card. I had some credit cards that had small or no balances. I paid for them and made sure they were up to date. I do not understand how they can do this without me being behind or not paying my bill.
Frequently Asked Questions
What is Complaint #7231902 about?
Complaint #7231902 was filed against Synchrony Financial regarding Credit card or prepaid card specifically about Trouble using the card. It was received by the CFPB on 2023-07-10T12:00:00-05:00.
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.