Synchrony Financial Credit Card Complaint

Transaction issue

Synchrony Financial Credit card department,

Transaction issue Michigan

Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through - credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, - Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told that would work with both of my credit monitoring subscriptions, - of which essentially refused to cancel my account through either no information detectable ( - ) or LONG telephone wait times ( - ). This complaint is not with either of the credit monitoring services it is with Synchrony Bank. The bank representative told me that once I changed my credit card and account numbers that if I wanted to keep ANY automatic bill pay, like the credit monitoring services, that I would have


anymore. So I thought that the issue was resolved. WRONG! Sometime between then and - -, 2016 Synchrony Bank violated my privacy and disclosed my new credit card information to - who then updated my account and charged me for the credit monitoring again, twice ( - and -/-/16 ). I understand that Synchrony bank reports my credit card account to the credit reporting agencies, but this disclosure of PRIVATE information for the other retail activities of said credit reporting agency is NOT acceptable. It is a violation of my privacy, unauthorized disclosure of private information and contrary to what their representative told me was the remedy for my E-PRESSED concern. Now if - took that information for credit reporting and used it for other purposes than the expressly authorized purpose of establishing and maintaining my credit report, then perhaps - is the violator. But when I brought this complaint to the attention of the Synchrony Bank representative when I disputed the charges, I was told that I had an ongoing authorized charge and therefore they ( Synchrony Bank ) could disclose the updated account number to the errant entity wishing to continue charging my account AFTER I was told that changing my account was the only way to stop these charges since the vendor ( - ) refused to handle my call in a timely manner.

Synchrony Financial customer in Michigan
Aug 17, 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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