XXXX XXXX and XXXX XXXX has been detrimental to my score. In Synchrony Banks XXXX Fourth Quarter Investor Presentation on XX/XX/XXXX ; the company reports a focus on a higher quality asset base. This is Synchrony Banks prime customer base with a credit score above 660. Customers with scores below 660 are subprime and it appears to be Synchrony Banks focus to remove the subprime customer base from Synchronys portfolio by any means necessary. I have become the subprime customer base by no choice of my own. Synchrony Banks probability of default scoring model is based on outdated credit information from XXXX. Synchrony Bank and XXXX are missing data to properly risk rate me and have me mapped to an alternative scoring system. XXXX has me scored me 100 points less than any other credit bureau. The key factors listed in my Synchrony Bank and XXXX adverse action notices have me listed with recent delinquencies or time with delinquency as unknown in XXXX

What the CFPB Record Shows About XXXX XXXX and XXXX XXXX has been detrimental to my score. In Synchrony Banks XXXX Fourth Quarter Investor Presentation on XX/XX/XXXX ; the company reports a focus on a higher quality asset base. This is Synchrony Banks prime customer base with a credit score above 660. Customers with scores below 660 are subprime and it appears to be Synchrony Banks focus to remove the subprime customer base from Synchronys portfolio by any means necessary. I have become the subprime customer base by no choice of my own. Synchrony Banks probability of default scoring model is based on outdated credit information from XXXX. Synchrony Bank and XXXX are missing data to properly risk rate me and have me mapped to an alternative scoring system. XXXX has me scored me 100 points less than any other credit bureau. The key factors listed in my Synchrony Bank and XXXX adverse action notices have me listed with recent delinquencies or time with delinquency as unknown in XXXX

XXXX XXXX and XXXX XXXX has been detrimental to my score. In Synchrony Banks XXXX Fourth Quarter Investor Presentation on XX/XX/XXXX ; the company reports a focus on a higher quality asset base. This is Synchrony Banks prime customer base with a credit score above 660. Customers with scores below 660 are subprime and it appears to be Synchrony Banks focus to remove the subprime customer base from Synchronys portfolio by any means necessary. I have become the subprime customer base by no choice of my own. Synchrony Banks probability of default scoring model is based on outdated credit information from XXXX. Synchrony Bank and XXXX are missing data to properly risk rate me and have me mapped to an alternative scoring system. XXXX has me scored me 100 points less than any other credit bureau. The key factors listed in my Synchrony Bank and XXXX adverse action notices have me listed with recent delinquencies or time with delinquency as unknown in XXXX has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 0 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to I ha, and the most recent logged activity is I had alre, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XXXX XXXX and XXXX XXXX has been detrimental to my score. In Synchrony Banks XXXX Fourth Quarter Investor Presentation on XX/XX/XXXX ; the company reports a focus on a higher quality asset base. This is Synchrony Banks prime customer base with a credit score above 660. Customers with scores below 660 are subprime and it appears to be Synchrony Banks focus to remove the subprime customer base from Synchronys portfolio by any means necessary. I have become the subprime customer base by no choice of my own. Synchrony Banks probability of default scoring model is based on outdated credit information from XXXX. Synchrony Bank and XXXX are missing data to properly risk rate me and have me mapped to an alternative scoring system. XXXX has me scored me 100 points less than any other credit bureau. The key factors listed in my Synchrony Bank and XXXX adverse action notices have me listed with recent delinquencies or time with delinquency as unknown in XXXX reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "closure of my XXXX XXXX and XXXX Credit Card account. I gave Synchrony Bank authorization to pull an updated credit report in XX/XX/XXXX. I then received a letter on XX/XX/XXXX that Synchrony Bank could not pull a new report because I had a security freeze and fraud alert on my credit report that needed to be lifted. Synchrony Bank has not pulled an updated report for their files since I placed a credit freeze on my account due to concerns with identity theft in XXXX. Synchrony Bank is already my creditor and has a permissible reason to pull my credit report even if I have a security freeze on my report. I dont have to lift the security freeze for them to pull an updated report. If I have to lift the freeze and you are already my creditor then there is something wrong with Synchrony Banks account review process and it is something wrong with the XXXX system if it does not allow them to extract updated information. However it is grossly irresponsible if you are aware that you don't have updated information but continue to base your credit decisions on outdated or incorrect data. I reviewed my XXXX credit report mailed to my home in XX/XX/XXXX and compared it to previous reports and Synchrony Bank stopped reporting my credit limit on each account where my credit limit was decreased or where my account was closed. When Synchrony Bank and XXXX fail to report my credit limits it artificially inflates my credit card utilization rate", and the single most common underlying issue is "XXXX XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating XXXX XXXX and XXXX XXXX has been detrimental to my score. In Synchrony Banks XXXX Fourth Quarter Investor Presentation on XX/XX/XXXX ; the company reports a focus on a higher quality asset base. This is Synchrony Banks prime customer base with a credit score above 660. Customers with scores below 660 are subprime and it appears to be Synchrony Banks focus to remove the subprime customer base from Synchronys portfolio by any means necessary. I have become the subprime customer base by no choice of my own. Synchrony Banks probability of default scoring model is based on outdated credit information from XXXX. Synchrony Bank and XXXX are missing data to properly risk rate me and have me mapped to an alternative scoring system. XXXX has me scored me 100 points less than any other credit bureau. The key factors listed in my Synchrony Bank and XXXX adverse action notices have me listed with recent delinquencies or time with delinquency as unknown in XXXX: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.