Synchrony Bank (Formerly GE Capital Retail Bank)

I had a terrible experience with Synchrony bank I had made a last payment on my account electronically on their website and the payment was processed only tfind out that it did not show up the next month and I was charged late fees - finding out only after I received late notice from bank with stated fees I was surprised since I had made all my payments timely to this bank in the past and thought my account was balance I wrote letter to Synchrony Bank after trying to call them on phone to resolve issue and close my account, This is poor customer service for a bank to conduct business this is wrong --I should have read all the other couple hundred negative reviews where people have been given fees and charges before doing business with this bank Synchrony Bank wrote me back and said they were unable to do this and the fees will remain but they want me to continue to do business with them --- are you kidding I want individuals to know to stay away from Synchrony Bank You will find yourself with added fees and charges for making payments timely -- look at the other reviews to see that there is a pattern with this bank -- they can make a lot of money by charging these fees Terrible way to do business and hurt individuals

I have several accounts with Synchrony Bank that I am trying to get rid of ASAPThis Finance company is one of the worst next to Citi financialI had made payments on time for yearsOne day I hit a financial crisis for monthsI notified the merchant that use Synchrony Bank they act if they were going to help me and they did by reducing my credit limit, which in turns hurts your credit reportNeedless to say I am trying to pay them off and close all accounts on my own terms

Synchrony Bank has lowered my credit line on all my cards periodically over the last year As I paid, my limits were decreased I recently paid off my Old Navy Visa which I got years ago and NEVER missed a payment and was NEVER late I had a balance of $1,and paid it off at the end of the year, as well as other credit cards Just did a consolidation Synchrony then CLOSED my Old Navy account, permanently I was shocked I had paid that card off so that I could use it for emergencies instead of my Amex, but they just pulled all my credit I will now close all my Synchrony accounts and never, ever use that awful bank again It doesn't matter if you pay perfectly for years, if your credit score drops for ANY reason, they will snatch your credit from you I have never had a bank do that to me They allow me credit based on my history with THEM Use Synchrony Bank at your own peril They are a terrible bank!!! The worst!!

After having my BP chase card bought out by Synchony Bank Was unable to access my account info for nearly two weeks
Got e-mail that I could sign into my account I have to creat a new account re entry all payments I had set up for auto-pay
Reward program not explained very well and created a large hassle with re-doing all my payments on auto pay Customer service was not helpful at all No other recourse at my disposal

I spoke to severel people and requested to speak to a manager about a problem that I had in my billing statement a month agoThe supervisor was very unprofessional, he did not answer my questions and he hung up the phone

I bought some furniture from Value City Furniture in They offered an interest free promotional rate through their credit card, which I signed up forInitially I never received a statement or notification of when the payment was due, which caused some confusion and caused me to loose the promotional no interest offerOver the time I was paying on the card the statements would sometimes show up and sometimes notI paid the account off in July and hadn't received a statement sinceIn September I received a notice through credit monitoring that GE Capital, now Synchrony, was reporting my account as days past dueI called them and talked to a customer service rep who seemed knowledgeable enough, he said that it appeared that the account had continued accruing interest after the pay offExactly how that happens I don't knowHe refunded the in "interest charges" and told me he would submit something to the credit bureaus stating the account was in good standingAbout a week later I received another notification from credit monitoring that the account status had been improved and was no longer showing as days past due
This weekend I received notice, again, that Synchrony was reporting my account as days past due in SeptemberI called their customer service line and this time had a rep who told me to write and send a formal dispute letter and there was nothing else he could doI will be submitting my formal dispute letter, as well as disputing this with the credit bureaus
I am incredibly disappointed with this bank and their practicesOnce I get this negative mark removed from my credit I will be cancelling my Value City Furniture account and any other accounts I have that go through this companyThe trouble dealing with them is not worth whatever promotional offer you are being pulled intoDo not do it!

I am currently a customer of Synchrony BankUp until today I would have nothing but positive things to say about this company, however I have learned that there is a lack in communicationAlso, system errors are not their (Synchrony Bank) fault but the customersSo when you are told that an update to the system has been made and your info is incorrect and you update it in their system just make sure by calling them back every day to make sure it actually gets doneAlso I would advise against taking the word of any of the agentsGet it in writing and make sure it is notarized because if they tell you, you do not owe anything until you get your next bill chances are they are already tacking on charges that they want you to payThis is a Very unprofessional, greedy, white-collar biased business

Ever since GE Capitol Retail Bank changed its name to Synchrony Bank I've had store credit card after store credit card account opened fraudulently in my nameI've since called and had them all shut down and plan to do so with the ones that I know I had opened

Many months back, I was notified that my credit score dropped, after investigating whyit was due to synchrony lowering my credit limit on a card, with a small limit to begin withNow keep in mind that I never missed a payment nor were any of the payments ever late at any time, many of those payments were more than the minimum and at times the card would get paid offI let it go and paid the card off, this continued to happen on more cards, each time lowering my credit scoreOne of the cards, they closed right after I paid off....again, never missing a single payment and never late!!!! I called, was told it was due to my credit score......WELL IF THEY WOULD STOP LOWERING EVERYTHING AND CLOSING THEM ONCE PAID....my score would be higherI was also told that I have "EXCELLENT" payment history with them!!! REALLY??? asked what recourse I have, and was told "none" today, they are hitting another card, this time, each payment made, my limit lowers along with my credit score!!!

I am a senior citizen who receives $a month to live onI do the better I canUntil GE became Synchrony Bank I didn't have a single complaint one way or the otherI get repeated calls about making a paymentAs you know I am paid near the early part of the month and they accept a payment then and my original payment date is for the 20th of the monthI only have one problem with this - Is my payment date the 3rd of the month and were I am subject to a $late fee or the 20th of the monthI don't have extra money to may both paymentsI read the positive review a customer wrote about the bank but I also have a story to share
In January of this year, I have a doctor appointment to get my back check; I suffer from chronic back pain among (other illnesses/diseases)I was driving on fumesI had made a payment on my Chevron account and check it before I left home so I was happy to see that I had $on the cardI was happy leaving the doctor, surgery scheduled and praying I could find a Chevron stationWe had recently moved to the area and I did not know it wellI founded a Texaco station and the card wouldn't workI told me to see the cashierI went into to asks what the problem wasThe young man behind the counter ran the card for me and it was still rejectedI called and got this young man who told me that since I had not made a full payment, I could not use the cardI explained my dilemmaI walk with a walker therefore I could not walk home from the distance that I was from homeI told him that all I need was $worth of gasHe refused me againI asked to speak to a manager or supervisor and he told me there was not one thereI had no breakfast that morningI am diabetesMy blood sugar bottomed outI had a meltdown in the middle of this crowded Texaco stationI was crying uncontrollablyEverything can crashing downBut God do send us Angels! A young man walked to me and said Mother here, he gave me some tissues and a $then turned around and gave me another $said, he was going to buy lottery tickets and he never stops at that stationHe also gave me a bottle of cold water because I was thirstyThe young man behind the counter I hand him the $and he told me to put gas in the car and I put what I originally asked for $I went in to get me some cracker with peanut butter and another bottle of waterThe young man behind the counter paid for the gas and gave me the money backMy Samaritan's name was ***; he asked for my number; called and check on meAbout 2:a.mthe next morning I ended up in the ER and was in the Hospital for daysBut God is good all the time!
All I am asking is one dateI think that is fair

I had never had a problem with Care Credit when it was named GE Capital Retail Bank, my payments went through so quickly I could use the card the following dayIt appears that now since they changed to a "fancy" name they did away with good customer service tooI paid my bill a week ago, I had a procedure done that should have have been covered since I had the "available" credit in my accountThe payment made was $the procedure was $anyone with basic math should know that it should have accepted my transactionAfter two declined messages from the receptionist (which was extremely embarrassing I might add) I was inclined to call the care credit customer serviceAfter trying to obtain the operator from the annoying automated service and being on hold for what seemed forever I finally got in touch with a live human being, only to receive the news that nothing can be done because my available credit is $56.00, when I paid it a week ago, half of what I owe and without any shred of remorse she said she couldn't do anything for me, even after I expressed the fact that I am trying to pay for a procedure just done to meLong story short I had to pay for the procedure out of pocket making my total payment towards my medical bill $1,The care card is to help people who with no other means can afford health insuranceThis was a complete let downI paid out of pocket without the means and this has been a huge dent in my financial outlook, and future goalsAfter all my debt is done with this business I will never use it again and steer anyone else far from it

I have done business with many banks in my life but Synchrony bank employs the most stupid people in the worldThey sound so disinterested and have to keep putting you on hold to find out what to doThey don't know their own rulesThey try to blame the customer whey they make a mistake because they cant answer a question

warning this bank uses F M S collection Company in Tulsa, OK to harass its coustomers
They put so much pressure on coustomers they end up in hospital
WARNING :
NEVER OPEN AN ACCOUNT WITH SAMS CLUB UNLASS YOU LOVE Harrassment
I am closing off credit Cards and memberships in SAMs club due to them and FM S Harrassment

As a former employee, I had a savings account with GE for years They recently ended that business sending a notice that Synchrony Bank offers a high yield account option Great!
Went on line to open account by funds transfer When setting up online access to account, kept getting error message re my email addressIt was a weekend No one there when I called Monday called and waited minutes on HOLD! Had to, I had initiated transfer from my old GE account to Synchrony Had to be able to access account Got very nice helpful gentlemanTold me they can not handle an email address with more than one "dot" after the "@" sign in email address WHAT??? Have had this email for move than years!
Initially I was very nervous about my decision but reaching the gentleman, whose name I do not remember, fixed the problem and so far, so good Neutral for now!

I HATE Synchrony! ! Customer service is horrible! I've lost my job and they can't do anything to help mereally? ? And apparently if I want to pay it off in full I don't qualify for a settlementThat is ridiculous! ! DO NOT USE CARE CREDIT

I missed a payment by one day they should only charge a one time late fee but no they keep charging how do you expect people to pay a credit card off just saying it was through belks I so wish they do not use you Now my Minium is up to since then I haven't been late I can only pay to a month just because I missed by one day

Synchrony Bank is terrible!!!!!!!!!!!!!!!!!!
I am mailing payments days before due dateThey tell me they are lateTotal bs
I have only had 1-late payments over the past yearsThis is their business plan to draw late fees
How is this legal? It is my word against theirs
I opened the account months agoout of the monthly payments they claim are late
They called me times yesterday
They claim payment was day late
I am heading to my credit union now to pay this account offI am sure there will be hidden fees to payoff the account

Synchrony Financial has the worst customer service I have ever experienced from any institution ever They lost my $payment and charged a late fee When I called to correct the error, they couldn't find it I had a write a letter and mail it via US mail along with proof of the payment They do not have an option to email or fax, only snail mail They also refused to talk to Bank of America, who is my bill payment bank A week after I mailed the letter and proof, I get an email (see they can contact me by email, but refuse to provide the same to their customers) that says I need to provide proof of the payment, which was in the letter Now I'm infuriated, but guess what? They can't help, I need to send another letter
Then I get a statement from an old closed Amazon/Synchrony card with a credit balance of $ I call them with the account number that has the payment and the one that should have Their automated phone system is HORRIBLE It hangs up on me multiple times

they are supremely unhelpfulTheir website is not good at allIt's really hard to set up recurring paymentsCustomer service on the phone is very limited

This organization's practices are deceitful Had emergency with dog in Oct Got card and put $1,on it with a 14.9% interest, then later added $with a deferred interest if paid in months or interest would jump to 26.99% going back to beginning date of transaction What they don't tell you is that no matter how much over the minimum payment you make, you can not pay off this deferred interest portion because any extra money is applied to larger loan of 14.9% The only way to pay off the deferred interest portion of card is to pay the entire balances of both deferred and larger transaction which is what I had to do I am a Senior in poor health and on a limited income Had to use IRA money that was to be for health care I am sure many people don't even have that option Would NEVER recommend this organization to anyone