Credit card -- Closing your account -- Complaint #8403550
Complaint Overview
Complaint ID: 8403550
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Company closed your account
State: North Carolina
ZIP Code: 27104
Date Received: 2024-02-22T12:00:00-05:00
Date Sent to Company: 2024-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had XXXX accounts with SYNCHRONY BANK. XXXX and ASHLEY HOME STORE. I paid off the XXXX in FULL in XXXX. It currently has no balance. I have had my hours cut from my job since XXXX. I paid the SYNCHRONY ASHLEY account {$66.00} on XXXX XXXX in a good faith effort to keep current on payments even though I do not know how I am going to pay my rent. Last night they just arbitrarily closed my account. I had a job interview with the courthouse last week. Employers check your credit as a criterion for hiring/employment. Despite my having paid my XXXX account with XXXX they are considering me a high risk. I have the intention of paying the rest of this ASHLEY HOME STORE account just as I did with the XXXX. My advance payments on the XXXX do not seem to count as a positive for my evaluation even though they are BOTH through SYNCHRONY. Closing the account has brought my score down to XXXX points. I will NOT be hired for a job with this issue. So it will CRIPPLE me financially because I will not be able to pay any bills if I can't get a job. No one contacts you to see if you can pay, the effort I did make on XXXX doesn't seem to make a difference. I just want the account to be reopened so it doesn't hurt my credit so I can get a job and continue making payments. The system is rigged against us.
Frequently Asked Questions
What is Complaint #8403550 about?
Complaint #8403550 was filed against Synchrony Financial regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-02-22T12:00:00-05:00.
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.