Payday loan, title loan, personal loan, or advance loan -- Getting a line of credit -- Complaint #8282064
Complaint Overview
Complaint ID: 8282064
Company: Synchrony Financial
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
State: Florida
ZIP Code: 33063
Date Received: 2024-02-04T12:00:00-05:00
Date Sent to Company: 2024-02-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for Care Credit in the beginning of XXXX. I went through the entire application process upon which Synchrony Care Credit sent me a link to scan my face and my driver license. I scanned my face with no issues but when I tried to scan my ID it would not read the barcode. Thus, I was denied a line of credit. So I called and they send I could send a letter stating why I disagree with the determination. So I wrote up a letter stating I am myself and I am applying for a line of credit. I included the date I applied, my application number and a color copy of my driver license and social security card as well as some personal information to prove to them I am who I am. ( Which is that I am a co-signer on my Moms account and included all of her personal information as well-someone other then me wouldnt know that ). They eventually sent a letter back saying that this information I submitted was not sufficient in proving my identity so they advised I wait a month and try again. So, I waited almost a year after I was issued a new driver license, I thought maybe this time it will work. Same result. I called again explaining that my credit has now been dinged twice just to be denied due to a system error. I explained that I have an Amazon synchrony account and had no problems with that. They said there was nothing they could do to help me, that I could just keep trying. I dont know how it benefits them to keep letting people ding their credit and not fix their verification system but I am very upset. If they can not verify me and approve my account then I want the songs removed from my credit line. How many peoples credit are they harming when all we want to do is built our credit?
Frequently Asked Questions
What is Complaint #8282064 about?
Complaint #8282064 was filed against Synchrony Financial regarding Payday loan, title loan, personal loan, or advance loan specifically about Getting a line of credit. It was received by the CFPB on 2024-02-04T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.