Synchrony Bank (Formerly GE Capital Retail Bank)

I had a card with Banana Republic and this bank chose to close my accountWith no notice to me as the customerI spend countless amounts of money in Banana Republic and I get to the store to make a purchase and my card is declined! It was a balanceI hadn't charged on the account since Christmas! This is the way that you treat your customers? Synchrony Bank is trash , and has now caused Banana Republic to loose a valued customer! I earn a six figure salary and use the card to earn couponsBut no worries, I will shop at *** where they value customer service!
And I had to call customer service times to get a valid answer as to why my account was closed which is ridiculous!

I have had a card with GE now this crap companyI used the card all the time some times maxed it out but paid it off a some pointI'm a single womanI have a full time job but I have too much debt because I pay other bills, car payment, rent, insurance etcI fell on hard times and couldn't make my payment then someone called me to "help me" I looked at my online and every payment goes to a late fee and a ton of interest I can't even get help from a debt consolidation agencyWorst company ever they don't want to help peopleThey want money and to mess up people's good credit

I purchased a washer and dryer from a local appliance storeI didn't have all the cash to pay for it up frontThe store offered GE Capital as an alternativeThey had a month interest free financing optionI set up payments online monthly at $and my 11th payment was for the final amount of $which was sent in July I made sure to complete my payments so that I wouldn't go over months I also made sure to log onto the website the beginning of July to check my balance and make my final was the correct amountThis week I receive a statement showing that I owed them $and now have a $late fee so a total of $GE Capital has also now been sold to Synchrony BankI got on the new company's website, they have a chat feature that isn't available and no email address only an numberI have now been on hold for over minutesThis is absolutely ridiculous for a mistake that they clearly madeI would NEVER recommend the to anyone

My credit card with sams through synchrony bank has been compromised times in less than a year

I have had accounts with TJX and JTV for yearsI have never been late with a payment and always paid each account in fullThen, Synchrony took over each oneI stopped receiving bills and then got slapped with late feesIt happened first with JTVI called Synchrony, waited the ridiculous minutes of automated voice crap until speaking with a representative who waived the fee and closed the account for meTJX is another thing altogetherI've spent days on the phone with themI can't create an online account because they claim they've mailed me a new card which I haven't receivedI also haven't received my billThey do manage to email me almost daily about not paying the accountI have paid the account through my bank's online bill payThey deny getting the payment and the bank says they didI'm out $and still getting late feesI'm also hoping to apply for a mortgage and my formerly perfect credit is now a mess of their makingIf this is not resolved by the end of business today, I am going to raise this to the level of complaintI will contact everyone I can think of to hold this horrible company accountable

Rooms to go accountEXTREMELY RUDE! I had a terrible experience dealing with this companyI had to make multiple calls to handle my issue GENERATED BY THE BANK ITSELF (finally asked for a manager) when MrDesmond Id Number answered my callHe showed no regards or patient to hear me upHe started cutting me off, and ended up pretending he couldn't hear me, sarcasticallyThen I demanded to let me finish he threaten me with hanging up because "I was raising my voice"My issue was never resolved and now I'm extremely frustrated with this companyI wish I could close the account right away

I do not recommend doing business with Synchrony; Toys R Us card Until the switch, I had a large line of credit (over $5000) and never had any issues with payments, credit or line of credit I paid it all off except for about $in 2014, and I cannot catch up with this final balance with Synchrony I made a payment two weeks ago, which did not post, and when I called, after receiving POOR treatment from the rep I was told I had selected a "later date" which is not true Tonight, I made another payment, and instead of receiving a e-mail confirming my payment, I received an e-mail stating that my payment was past due!!!!!!!! Unbelievable!!!!!! I am monitoring the account to see if it will post, but I feel that they are set up to make the customer fail and add late payments and fees This is legalized extortion and there is very little we can do They forwarded me a new card at Christmas time, which I REFUSE to activate; I am done doing business with them and Toys R US for choosing such a retail bank

I live in Pennsylvania and purchased a new motorcycle in Ohio at the end of December with financing through Synchrony I received the documents from the dealer in Jan In March 2015, I went to register the motorcycle in Pennsylvania My notary/transfer agent had to request the title from Synchrony The request was made on March It is now April and no one from Synchrony can tell me where my title is I have called their customer service MANY times, and while most of the agents are nice, they simply can't provide a resolution to my issue...they are unable to tell me the status of the title request I continue to be sent to the manager's voice mail I am unable to talk to a manager personally I have left multiple voice mails with the manager in the past few days with no response The agents also refuse to escalate the issue up the chain of command for issue resolution I find this "customer service" totally unacceptable and outright rude!!
Being a current General Electric employee, and this being a former General Electric business, I would have expected them to be much more responsive to customer service issues To say the least, I am EXTREMELY disappointed in how this business handles customer service requests and will definitely be making my displeasure know to all of my friends, neighbors and co-workers!!! I would NEVER recommend doing business with this company!!!

This is the worst banking experience I've ever hadThese people need to be exposed
They induce customers to sign up for an Amazon store card offering a 5% discountThen they prevent you from making purchases by declining the card, when in fact the account is current and all payments due have been made
When you make a payment they don't post it for a weekThey put it "on hold." So that if you try to make purchases in the meantime they can decline the card & refuse the discount
I paid double the amount due on Dec 5, days before a payment was dueOn the website it shows "paid" on Dec Three days later, on Dec 8, they decline the card on the basis of non-payment, even though a payment was made on Dec 5, and even though a payment was not due until Dec
If you phone them they do nothing and exhibit a snotty attitude toward the customer
This bank needs to be investigated for unfair trade practices and violations of consumer protection laws

I did not realize Amazon store card (Synchrony Bank) was formerly GE CapitalI only signed up for the promotional discount on my purchases I wantedHad I known I would have never signed upMy experience with Synchrony bank has been a rerun of the experiences I had with GE CapitalI canceled my card with them (GE) because of the way they do business and I am now cancelling my Amazon store cardDo yourself a favor and look up reviews for Synchrony Bankpositives, neutrals and negatives with the Revdex.comI pay my accounts off by the month and even then they get confusedNo wonder they have the reviews they doAmazon needs to get a reputable bank for their customers

I had a HH Greg card with a zero balance that I was saving after I bought my new houseI had my credit ran during the purchase process but ended up paying cash for the house a month later they closed my account stating that I had a lot of credit inquiries and my credit score dropped(Zero balance on card at time for months) was never late and has had the card open and active for about years until they took over the account then months later every credit card I owned was closedWhen you call the hot line it transferred to a 3rd world operator who was trying to sell me vacation trips that I can pay with my Home Depot cardAnother card they ownedThis is by far the worst and most crooked companyA lot of African America's cards are getting closed for the smallest things that are in no direct relation to this company

Synchrony Bank is the general financier for Walmart credit cardsRecently, they switched over from Discover branded cards to Master cards and forced all cardholders over in the transitionThis was after requiring everyone to switch to Discover about 2-years ago, also without any apparent choice by the consumerI have been a loyal and responsible Walmart credit card holder since and have never had issues with the account until the last months, when I was on medically required bed rest and incurred thousands of dollars in unexpected medical billsSubsequently, I had two (unintentional) returned paymentsI made new payments as soon as I was able to repostSynchrony bank closed my account without any prior notice due to "payment problems" and did not attempt to let me know until 9-in a mailed letter (why provide an online service for payment and receiving statements if you plan to mail paper letters for significant communications?)I tried to talk to them, but they said although there were no negative reports to be made to the credit bureaus, they could not reinstate my account I don't appreciate the patronizing, snide condescension of the representatives, and I certainly don't understand the logic in closing the account of an year cardholder with no notice and no explanation other than it's "at the discretion of the credit company." So much for valuing customers! Stay away, stay away, stay awayIf you MUST shop at Walmart, do not utilize their credit services because, not only do they not appreciate or value customers, they collaborate with other institutions who do not value customers-Synchrony BankIn this economic state, businesses are fortunate to maintain patronage-thanks a lot, Synchrony BankWhat a great decision you've made, WalmartWay to go

When G.ECapitol was switched to Synchrony Bank boy did my credit rating plummetIn the midst of the switch I inderpaid my monthly bill mistakinglyAn honest mistake but my intentions were goodReceived a call from them and was instructed to pay $to bring my account up to date which I didThe late charges and fees continue to amass and now I need to pay $to bring my acctup to dateAs a result of this oversight my credit rating has declined and this oversight has caused the cancellation of my Wellls Fargo credit card.eventhough I make payments on timeNever had a problem of this nature until Synchrony took overI am sick of them and Lowes!

I had lost my card in AprilContacted the company, after I received a letter that they were sending new cards out, to inform them that I couldn't find it and therefore couldn't log into my online account(I had the correct password and log in informationBut having the card is the ONLY way to verify who I amUnlike other online webpages that will send you a pin to verify yourself or let you put your Social Security number in) I had called multiple times and spoke with multiple peopleAfter a few months I called again because I still hadn't gotten the card and just needed to have the account number so I could log in to look at my statement and make a paymentThey asked enough questions that someone could steal my identity, but refused to give me any of my account informationI asked for a paper statement to be sentThey informed me that the replacement card was issued 6/I called multiple times after that and finally in September I was transferred to someone who actually helped meShe got a new card issued to me and I received it 9/I had spoken to someone before her and again asked for a paper statement, still have not received it, it's 10/They refused to work with me, refused to give me the information I needed so they could get their payments, and then made me feel like I was the worst person in the world
I will NEVER do business with them again, I will NEVER tell anyone to get a card or anything through themAnd I am trying to convince people that have a card with them to cancel

I bought furniture at Hudson Furniture, they used Synchrony BankI had promotional purchase in 2014, I always made a higher payment that requiredOnce my promotion was over, I bought more furniture with again promotionI asked the agent will the bank combine both amounts or will it be paymentshe stated only combinedI was OK with thatI had auto payments, but a lot of times I paid before due datesthe web sight is not as smart as its supposed to beit took more payments, that I had to ask back, to pay other billsThat is when I noticed that all the payment I had made after new purchase was going to new promotion instead old promotionI was told that if I wanted all the money to go to the old promotion, that I would have to call every month and inform themI called again today sept and was told that over half of my payment was going to the new instead of the old promotionSo since months the bank has been ignoring my demands and I am not going to pay off balance of the old for more than months from now, instead of months time since I called themThey also told me that they cannot change how the computer distributes the fundsI informed them that the human invented the computer , not the other way aroundThat i'm sure a supervisor, manager from accounting can fix this issue by overriding the system
I am still trying to figure how this bank hire incompetent people that don't understand English and instructions from a customerAs I was informed months ago to call every month to ensure my funds go to old promotional account, instead of new oneOr they a payment has to be made monthly on the new account, the it can have minimum payment and majority go to old account, so it would not get charged so much interest

Not a customer of this bank, however, my SSN was used to open an account with them and although a had a year alert active this bank failed to do their due diligence to ensure the account was valid and even after LIFELOCK advised them the SSN was wrong they opened an account with the wrong SSN It appears they are NOT concerned about identity theft in a world where this is a major issue and growing every day

Horrible bankAfter years with no problem from Amazon I receive this arrogant letter stating my credit limit had been lowered to $Less than one month earlier I made a payment of over $2,on the accountArrogant and irreverent company that is amoral with 25% interest ratesWill pay off balance and cancel credit cardAlso will stop doing business with Amazon after many many years of a lot of ordersThey are not as competitive as they once were and shipping is lackAtrocious combination for any consumer

What a nightmare!! Bank has a CD we created years ago at another bank, but vie GE bank, Synchrony has the CD Went to create a new CD, but was forced to create an account Bank already had a user name for us that contained an under score in the name, so we created a password (and they force you to use their password scheme) Set out to create a new CD, and wow, what a hassle!! Got it done, then the next day, went to log on to verify everything, but can't logon using the username the bank created for us - message says can no longer have an under scare in the logon name!!! So I have to call CS Tuesday to change the user name they forced me to use the day before!???? Aghhh!!! If and when I get logged back in, I plan to cancel the new CD's - don't need this type of hassle and poor CS

They are the worst bank everI too have had nothing but problems getting my payments postedUntil they took over I NEVER had a late payment with AmazonIt took them at least days to post payments almost from the moment they took over so I incurred numerous telephone calls, letters, and late paymentsI also paid off Amazon and Paypal and then they send me a letter their cancelling my account, actually they are doing me a favor I thankfully was able to pay them in full and I am now down with them and Amazon

Synchrony is the worst, the clumsiest bank to do business with I have had numerous online accounts, and Synchrony is the only one that I have had troulble with And I have trouble with it every time I try to pay a biil The CEO and all executive personell should resign