Credit card -- Trouble using your card -- Complaint #7700127
Complaint Overview
Complaint ID: 7700127
Company: Synchrony Financial
Product: Credit 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: New York
ZIP Code: 10304
Date Received: 2023-10-15T12:00:00-05:00
Date Sent to Company: 2023-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I receive my credit scores monthly from the Credit Bureaus. I was informed XXXX XXXX XXXX XXXX XXXX ' credit limit was lowered. I used the chat feature on Synchrony Bank 's website, XX/XX/23 and I was told my credit limit was lowered because of my credit scores. I asked for the phone number to XXXX. I then called XXXX and spoke to a representative. She again informed me that my limit was lowered because of an impact in my credit scores. I told her my scores were very close to perfect and that could not be the case. She put me on hold for XXXX minutes and came back to say, my limit was lowered due to inactivity. I asked why I wasn't given the courtesy of a letter and/or phone call. I have been with them over 13 years and have never been late. I've also used the card a lot in the past. I asked to speak with a manager and she said ok and then I was hung up on. I am thoroughly disgusted with the treatment I received from Synchrony Bank.
Frequently Asked Questions
What is Complaint #7700127 about?
Complaint #7700127 was filed against Synchrony Financial regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2023-10-15T12:00:00-05:00.
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) 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.