Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Credit determination Wisconsin

Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was $3000.00. This card was to be used for the hotel and other misc. charges while on vacation. We arrived on Saturday -/-/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the $3000.00 payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that $3800.00 was available for credit. The card was subsequently accepted at the hotel front office.


a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my $3000.00 payment, they then decided to limit my credit. The supervisor offered a temporary increase of $250.00. I disinclined as this would do nothing to pay the $1600.00 hotel bill. I did request my $3000.00 payment back minus the monthly due. He indicated that he did process the request. Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. I am asking that the credit card company return my $3000.00 payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.