Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Credit line increase/decrease Virginia

I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least - of these reasons are false. I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact - to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.