Credit card -- Getting a credit card -- Complaint #8403669
Complaint Overview
Complaint ID: 8403669
Company: Synchrony Financial
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Application denied
State: North Carolina
ZIP Code: 28269
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
Tags: Older American
Consumer Narrative
My credit card application with Synchrony Bank ( Website : XXXX XXXX XXXX ) was denied with no explanation. Called Synchrony and the first rep said it was denied because I also had a credit card application pending with Synchronicity for a different retailer ( XXXX XXXX ), and they could help fix that if I went back to the store and had them re-input the application. Went to Lowe 's store and they re-input the application- which wad denied again by Synchronicity, no explanation. Called Synchrony again and spoke to supervisor, who could not explain why it was denied. I explained to the supervisor that have perfect credit - XXXX XXXXXXXX, own my home, virtually no debt at all, never bankrupt or defaulted on a loan, never made a late payment, net worth close to {>= $1,000,000} - and asked what to do. She said there's nothing that can be done. I asked if it was because of the XXXX XXXX application, which is still pending, and she said again that she didn't know why it was denied and could not help. - the supervisor claimed the system auto-denied my application for unknown reasons. So, Synchrony Bank : 1. Improperly denied credit, apparently due to their error. ( application for different retailer pending ) 2. Provided incorrect, intentionally false, and conflicting information to me about the denial and how it could be remedied. 3. Has no complaint process, no appeal process, no remedy for credit denials. 4. Incorrectly told me to re-apply 4 times, resulting in 4 more credit denials and possible damage to my PERFECT credit rating.
Frequently Asked Questions
What is Complaint #8403669 about?
Complaint #8403669 was filed against Synchrony Financial regarding Credit card specifically about Getting a credit card. 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.