Synchrony Financial Credit Card Complaint

Credit line increase/decrease

Synchrony Financial Credit card department,

Credit line increase/decrease Indiana

On -/-/2016, I requested a credit limit increase with HHgregg/ Synchrony bank. I spoke with a representative who never informed me by requesting a credit limit increase this would count as a hard- pull on my credit file. Currently I 'm enrolled with FICO credit alert and on - I was alerted to an Hard Inquiry on my credit report, upon further investigation I noticed it was from Synchrony Bank. I called Synchrony bank and spoke with several agents who advised me anytime you request a credit limit increase this is counted as a hard pull on your credit report. I explained to several of the reps I was never given this options when I spoke with the rep who processed my request for a credit limit increase, I then asked were all the calls recorded and was told yes they are. I spoke with the fraud department and spoke with - who advised me they would have o fill out paperwork to have this hard inquiry removed but he would need to transfer me to Customer service???? So I spoke with a rep from customer service who had no Idea what paperwork the prev rep was talking about, I asked for a supervisor and spoke with " - '' from Customer Account Services I explained to her the issues and wanted to have the call reviewed the day I spoke rep on - pertaining to credit Increase just to prove to her I was never advised this would be a hard-pull on my credit file. - advised she was unable to assist me and she would trans me to a - rep. I disconnected the call out of frustration and decided to file a complaint against Synchrony Bank to have this Hard Inquiry removed from my credit file.

Synchrony Financial customer in Indiana
Jan 15, 2016

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with explanation

Consumer disputes how Synchrony Financial handled their complaint

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