Synchrony Financial Credit Card Complaint

Closing/Cancelling account

Synchrony Financial Credit card department,

Closing/Cancelling account Texas

I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of -. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in -. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without

my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them - and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend - elsewhere.

Synchrony Financial customer in Texas
Mar 27, 2017

* Source: CFPB Complaint Database

Synchrony Financial response to complaint:
Closed with explanation

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