Synchrony Bank (Formerly GE Capital Retail Bank)

I used to have Master Card through this bank (from Sam's Club)Without informing me, they suspended my card due to non paymentNever received any letter from them about paymentI did explained to them but it does not make differenceStay away of this bank if you are decent customer, they treat you as you stall money from themPaid my balance in full and cancelled $credit limit credit cardWill deal with more civilized bank institution

I have several credit cards through through Synchrony Bank, including Walmart Until about months ago, my payment history was flawless Around that time, I had a mishap where I had scheduled a Walmart credit card payment out of my checking account, but a problem with my direct deposit from my employer caused the payment to be rejected by the bank A couple days later, the deposit issue was supposedly fixed, so I scheduled another payment so I wouldn't pass the due date Well, the second payment got rejected as well I called them up and explained the issue They were very understanding, and since at this time I was now past the due date, they even waived the late fee I made a third payment which was successful A month later, I get a letter in the mail that my account had been evaluated and since I had two returned payments in a 6-month period, they've closed my account!! I called them and spoke to a rep AND a supervisor, and they said there was nothing that could be done It's the policy They said MAYBE if my employer wrote them a letter about the direct deposit issue, MAYBE they would reevaluate the account to get it reinstated REALLY?? So much for customer appreciation

They are the worst bank ever they rip you off with there bs service charges they lie and drag on there payments for a loan I've payed for almost a year and still owe buck at a supposedly 0% after paying more then there customer service are from a 3rd world country and total aes telling me it's because of late fees funny cause I've payed times there payment each time so there no such thing as late because I've payed two and three times there min balance due

I've tried on occasions to transfer funds from Synchrony Bank to my other external bank account I never received any notice that the transfer did not go through and that there was a problem I sent a message and received a reply stating that my address was incorrect I called to confirm my address The address that the representative had IS my correct address I was then told that I could submit another transfer request but would have to wait - business days for the, "restriction," on my account to be removed I decided to close my account instead This is a very bad bank to try and do business with Could this be an FDIC violation to refuse me my funds??????

I received my check today

Synchrony Bank is a jokeThey are deceitful as well as becoming a monopolyThe issue, well, it pertains to credit limit decreases and Synchrony closing credit card accounts without notificationGranted my credit is not by any means perfect, every single card I have has never been late on a payment, neverRegardless of never being late on any payments, this corrupt company decides to decrease and close my accountsThis is a warning to everyone who is trying to rebuild their credit or even looking for a better credit card, research the bank who holds the credit card prior to applying because you will get burned by Synchrony in the endNow I am working on paying all of the cards managed by Synchrony bank and closing them out as to never get any credit card through themI would rather pay cash then let some dishonest and deceitful company make rash decisions which in the end does negatively effect your credit

I am unfortunate enough to have had Synchrony purchase my Amazon Store Card accountWhen I opened the account with Amazon, I had a pretty high credit rating, then Synchrony started lowering my credit limitThis is the third time this has happenedEverytime I get my account paid down significantly, they lower my credit limit leaving me with only $in available creditWhen they do this it affects my credit rating because it looks like I'm over-extended I have a Spanish surname and I think they are a bunch of bigots

Whatever you do, DO NOT apply for this card!!! The interest rate is high and NON negotiable, despite good payment history and good credit! I called to see if I could lower my payment because it keeps increasing every month and they told me that is not an option! I pay, I pay on time, I try to keep my credit in good standing and all I get is punished further!! What about the people that don't pay their card?? Are we paying for their mistakes?? If I had known how ignorant and unprofessional their customer service was, I would have never called in the first place!

There is a reason that this place has positive and negative reviews, as of todayI have never received a shred of information from them regarding my account - via email or physical paperI have always just had the payment automatically drafted from my other bank so I assumed all was wellI logged in today for the first time, to see how much I have left to pay, and I find Athat the name of the bank has changed completely, and Bthat I owe $in LATE FEES I Was LIVID Where did that come from?! Again, I have NEVER received an iota of information from them, telling me anything was late, etc So I call the customer service line and after calmly explaining my situationwell, as calm as I couldthey ended up taking off all of the late feesI hopeWe'll seeI don't know how long it will take to update online but it better! So I'm giving them a neutral review because even though it was initially a TERRIBLE experience, they ended up taking all the late fees offStill seems pretty shady to me though - maybe while I was on hold she discovered that they actually never HAD sent me an emailand that's why they took them off

I just canceled my account (about minutes ago) at CareCredit (Synchrony Bank)After the promotional zero interest was not paid off in months, my $dollar bill that I have been paying had went down to about $but when the interest was applied the bill went back up to $@ about 29.99% interest!!!!! So don't use them and look for other decent optionsDon't be like me stupid!!!!! Be better than me not stupid!!!!

I have been a member of Sam's club in Peoria,Il for 10years.I have had their Master Card,for just as longI recently contacted,Syncrony Bank to negotiate the 23%interest rate on their Master CardI was emphatically turned down this bank refuses to negotiate the terms on their charge cardsHow hard nosed GREEDY can you be? I have never had a problem with payments,as a matter of fact for a three cent and I swear to God three cent error on a payment I was charged $for a cent error on my partI should of canceled my card right then,I didn'tI did now.that If you can be so unforgiving on your interest rates then I don't need itIf there is ANYONE who is considering a Syncrony Bank charge from any store or other BE AWARE YOU ARE DOING BUSINESS WITH A VERY GREEDY BUSINESS check around you can get BETTER rates else where they would rather loose your business than help you

I have a couple of cards that I received when GE was still the holder of my cards I always pay on time I applied for a card through Ashley Furniture and was denied Now the Synchrony is running things and after reading all of these other reviews I am thinking this place will be losing all of my business as I am now going to pay off all my accounts(that are in good standing) and close all accounts with this company Synchrony Bank it looks like you are burning bridges and losing customers fast

I just got a letter from Synchrony Bank telling me my email address is incorrectThe letter says the bank is unable to notify me regarding my QCARD bill I don't what they're talking about My email address is correct everywhere they listed and has been the same for years...By the way, called QVC customer service and was given a phone number for Synchrony Bank, guess whatthe phone number is a temporary one and is no longer in service What kind of bank is this???? Dumb Dumb Dumb

I have several credit cards that are now handled through Synchrony BankEvery card has a minimum interest rate of 25% to 27% and they are all veriable This is as bad as dealing with my local loan shark They must be making more money hand over fistI may cancel every card in the next year so I never have to deal with this

Do NOT apply for a [redacted] credit card believing they will honor the promotion of crediting your account for $upon sign up It is a lie For months I have been told they are "working on the issue, I won't get my credit, I will get it, and I don't knows," so I am paying my balance and terminating my account

I have been charged $in late fees since my account has been open November I made two payments in Nicember too ensure that my payment iare on time Bank receives my payment the first of every month The customer service manager refuse to review the history to assist August I made a previous call in Juky 2016! The customer service rep assisted and stated she would make the adjustments to my accountOnce I revived my letter stating the only adjustment that was made us the in finance charges I would like my account reviewed and the adjustments madeProfessionally the bank knows it has made the mistake, because my loan is month interest free I am grind charged 37,late fees

I have good credit and I wish to keep it that wayI pay my bills early and have never had a problem until Synchrony BankI paid my bill days early and even have the confirmation number from my bank that it was paidSynchrony Bank did not cash the check until days after the due date making me a late payment on my recordI did call and they did return the late fee but now I have a late fee on my recordThis sounds like the old practice of leaving something sit in an inbox until past the due dateI will not do business with this bank again

The excerpted statement below was exactly happened to meMy promotional offer expired in Dec 2014; although, I am proactively paying ahead of due datesMy remaining balanced got a whooping amount of $to $balanceI called customer service and she could not explain a jack nothing but a "your promotional offer expired"I surely did ask where was the amount based from (basis)This was a NIGHTMARE! No business ethics at all...I just told myself that I lost in a gambling casino in Vegas just not to be hard on myselfIt was a sickening experience as this SICK-hrony bank treat its customersI would warn all my colleagues and friends espmilitary spouses in my circle about this bankHopefully, our government obtain the reimbursement/settlement annotated below According to a press release issued by the United States Department of Justice on June 19, 2014, "The Department of Justice and the Consumer Financial Protection Bureau (CFPB) today announced a settlement to resolve allegations that GE Capital Retail Bank, known as of this month as Synchrony Bank, engaged in a nationwide pattern or practice of discrimination by excluding Hispanic borrowers from two of its credit card debt-repayment programsThe settlement resolves claims by the department and the CFPB that GE Capital violated the Equal Credit Opportunity Act (ECOA) by excluding borrowers who indicated that they preferred communications to be in Spanish or had a mailing address in Puerto Rico from two credit card debt-repayment programs.""The settlement provides $million in relief to approximately 108,borrowers in the form of monetary payments and the reduction, or complete waiver, of borrowers' credit card balancesGE Capital itself identified and reported the discrimination to the CFPB, was proactive in taking steps toward providing relief to affected borrowers, and has worked closely with the department and the CFPB to further identify and compensate victims of the discriminationSpecifically, GE Capital has already provided the benefits of the offers or their equivalent value to approximately 84,borrowers, totaling $million in reliefFollowing the settlement, the bank will provide the remaining $million in payments, reductions and waivers to affected borrowers."The Department of Justice press release also states, "GE Capital's settlement with the department, which is subject to court approval, was filed today in the U.SDistrict Court for the District of Utah in conjunction with the department's complaintGE Capital resolved the CFPB's claims by entering into a public administrative settlement.""In addition to the $million dollars in relief, GE Capital has also agreed to eliminate negative credit reports for affected borrowers that occurred during periods of the alleged discriminationGE Capital will also take affirmative steps to strengthen its fair lending compliance, and the department commends the efforts the bank has already taken to that endThese steps put in place strong review mechanisms and training to ensure borrowers are not discriminated against because of their national origin."Further information is pending a response to your Revdex.com's request on June 24, for a written statement from GE Capital Retail Bank (Synchrony Bank as of June 2, 2014)

I cannot understand all the negative reviews, as I have nothing but good things to say about the ease of openning an account, the customer service and of course, the interest rates I've set up several transfer banks and enacted transfers flawlessly When I've called customer services, my questions were answered immediately and quickly

My husband and I have spent the entire morning and part of the afternoon on the phone with Sychrony bank and JC PenneyI have had an account with JC Penney for over yearsI have a credit limit on my card of $and currently have a balanceMy husband opened a JC Penney account in the store in June of He still has not received his cardHe has called times and been told that there must be a problem with our post office, although we have received our new American Express cards and the JC Penney bill for his card! In the midst of the problem he was having getting his card, I received an email from JC Penney asking me to activate the new card that they sent me! I did not receive a new card either! They also stated in the email that the card that I currently had would be deactivated in January I called and whenI put in my current credit info, was told that my account "was not valid" by the automated systemThe next person I spoke to said the email was wrong, they had never sent me a new card, but they would send one nowI was also told that my current credit card could still be used and that the automated system was wrongAt this point I didn't know who to trust as I had already been disconnected onceThe next person I spoke to said to cut up my current card and that they had indeed sent a new cardSince I haven't received a new card, they would order a new one The third person I talked to said I shouldn't have cut up the old card! Neither JC Penney or Sychrony bank could tell me what the problem is with my husband and I not receiving the cardsWe are waiting another 7-business daysMe for my second cardAnd my husband for his thirdIf we do not receive our cards, we will be closing all accounts tied to synchrony bank, including Ashley Furniture, Care Credit and JC PenneyIt's unfortunate that this finance company will cost so many retailers our business over the upcoming holidays