Synchrony Financial Credit Card Complaint

Credit line increase/decrease

Synchrony Financial Credit card department,

Credit line increase/decrease Illinois

Credit line increase hard pull On -/-/16. I used the online service to request a credit line increase for my Walmart credit card. Upon doing so, I received an automatic electronic message indicating " unable to process online credit increase for this account ''. I contacted customer service, who failed to inform me that requesting a credit line increase via telephone will result in a hard pull. The representative only asked for my annual income and amount of increase ( how much ), then immediately processed my request. I was denied. He said I would receive a denial letter via mail within 7 days. Thus, I inquired if my request was a hard or soft pull based on the fact I did not regard the credit request as an actual application process and I was not advised beforehand by the representative so that I may opt out of my request. I immediately expressed my concerns regarding his lack of providing adequate and appropriate customer service relating to credit limit requests.

Synchrony Financial customer in Illinois
Jul 15, 2016

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with explanation

Created with Highcharts 4.2.3Synchrony FinancialComplaint HistoryComplaints1/20162/20163/20164/20165/20166/20167/20169/201610/201611/201612/20161/20172/20173/20174/20170246810Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3Synchrony FinancialCredit line increase/decrease87.0%7.4%5.6%Closed with explanationClosed with monetary reliefClosed with non-monetary reliefSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageCredit line increase/decrease0.2%8.2%9.7%2.3%0.4%5.8%73.3%0.1%Untimely responseClosed with non-monetary reliefClosed without reliefClosed with reliefClosedClosed with monetary reliefClosed with explanationIn progressSource: Consumer Financial Protection Bureau

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