Credit card -- Getting a credit card -- Complaint #7777000
Complaint Overview
Complaint ID: 7777000
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Massachusetts
ZIP Code: 026XX
Date Received: 2023-10-29T12:00:00-05:00
Date Sent to Company: 2023-10-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX I received a letter from Synchrony Bank saying I had an overdue account of {$20.00}. I called the number repeatedly but couldnt get a live person. I emailed the company but got no response. I kept calling and finally talked to an agent and filed a fraud report. I was told that I would not be responsible for the charges while there was an ongoing investigation and that they would notify the credit bureaus as well. Now I continuously get emails and text saying that I have a balance over 60 days and my credit has gone down XXXX points as a result of this!! Im so upset about this and its giving me so much XXXX because I keep getting notices from the credit companies about how much my credit has gone down. Ive called all the credit bureaus and written letters to all of them as well. Ive also written to Synchrony Bank. I havent received any responses yet. Ive always paid my bills on time and Ive never had a late payment. My credit is very important to me and Ive worked hard to keep it in excellent standings. This is outrageous that theyre ruining my credit for two charges for {$5.00} that they cant even tell me what theyre for! Ive had an XXXX account with XXXX for many years and its set up with automatic payments. Im a reliable and responsible person. Im XXXX XXXX XXXX and plan on XXXX in a couple years. I need my credit to be in good standings so I can get a small mortgage if I need one. Please help me with this. I would be so grateful. Thank you very much. XXXX XXXX
Frequently Asked Questions
What is Complaint #7777000 about?
Complaint #7777000 was filed against Synchrony Financial regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-10-29T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-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) 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.