Synchrony Bank (Formerly GE Capital Retail Bank)

call customer service due to a letter I got in the mail telling me that my Walmart credit card account was suspending due to dishonored payment, which was new news to me since I have never been later or dishonorable sign in to my account and the bank information I had change a month again was never apply she told me I have to change my browser which was also news to me because I have never had a problem before she was rude, I started requesting a investigation on my account she gave me the run around never been so frustrated since synchrony bank take over I been having problem with my account

Bought a ~$bed from Sleepy'sThere was no discount for paying cash, but they offered free financingSeemed like a good idea at the timeIn setting an auto-pay up, there was some wrinkle, so I spoke with a guy who seemed capable, but a day or two later they took the entire loan out of our checking account Synchrony had no record of this event, and even said they never do this the way the guy did it (in real time I guess; my brain has suppressed certain details of some of these Synchrony experiences--stress reduction)A customer service manager was very nice, fixed things(Why do you need a manager for this?) CRAZINESS #1, anywayMany phone calls, including to the salesman who sold us the mattress
A couple of months later, there was a Synchrony ad in the New Yorker magazine, so I thought maybe they're all above board
One year in, we tried to change banksI did this onlineSomething or other came down the pike that indicated this hadn't workedThat's no shock, but on the phone when I tried to give them my confirmation number (this long string with twenty or thirty characters), the person said they never used the confirmation number"That's just for you." This was such a ridiculous statement that we just gave up and paid the loan offA week or two after that check cleared, I got an email saying they were going to take the $out againI went to the website and deleted the bank account, also our entire Synchrony account
I'm a retired businessman, and I've wondered whether these guys' model is to just piss people off and make extra money by the prepayments or what You'd think there's enough business in consumer finance if you just handle it straight up, competentlyWe didn't really need the financing, but many people do!
PS I assume this is going to screw up our credit rating too, somehow
Posted by Nancy's husband, who handled everythingYhe purchase is in her name

Worst customer service ever, if you must call them save your time, they won't give you any useful informationI think their call center is base in some other country based on the accent and the ruthless of all the reps that took care of my callAt the end same result, nothing, and waiting for a letter for days with an explanation

I have been working with financial institutions for a long time and I must say that Customer Service for Synchrony Bank has been the worst after Capital OneTheir representatives are not trained, not helpful, rude and unprofessionalThey worked with merchants like Sleep Number and others on credit loans and these merchants should be aware that the experience their customers are having with this financial institution is beyond terrible
Hope this message helps merchants figure out a way to do business with companies that will treat customers with respect and professionalismBoth the customer representative and supervisor where incompetent and extremely rudeThey should train their people better - seems like customer service for this bank is not relevant whatsoever

Purchased from Mattress Firm on 10/15/- interest-free for one year Yet to receive any paperwork from Synchrony (10/29/16) Called and discovered my balance was nearly twice what I spent Finally spoke with someone and I was told "do not pay anything yet; we will speak with Mattress Firm in to days." Right!!!!!! I can feel the screws being put to me It will be something like "you're late," "you've made no payment," "you failed to meet the requirements..............." I want this fixed NOW I will pay total bill at once to get away from this horrible businessJust say no to Synchrony!

I opened an account with Synchrony to purchase tires at a local shopI was hired a $credit limitI paid off the balance within weeks of opening the accountThe money was taken out of my account on 11-5-and was credited to my account so I was showing $balance on their siteI went to access my credit on 11-14-and was told that my account was on hold for security reasons seeing as how I had made a payment over $and my account was less than a year oldAnd you get the hold released right away I needed to send them proof from my bank that I had made the payment??? It had already posted to my account!!! Who's heard of this crap? What a bunch of B.S I will definitely be closing my account and never using these clowns again

I had a credit card with SAMs club which sold to synchrony bank I have never had such a bad experience or have been treated so poorly While on vacation I was harassed about non payment when I told them I had made three payments within a months period I was told it was after my closing date so a late charge was incurred Next month same issue another late fee This company has a scam going and should be investigated I called to get my balance due Paid and paid off the balance Then received a bill for 68!!! I called and was told I didn't make my payment on time and incurred a late fee I could tell the service person was not being truthful and trying every which way to justify the They removed the late fee charged me in interest and I closed out the account never ever ever do business with this company I'm pursuing legal action against the company Buyers beware!!!!!!!!

Just got my new statement from Synchrony, I have three separate purchases all of which is intrest free if paid in full by a certin dateI wanted to pay toward the amount due soonest as to avoid interest
What they did was, apply to the amounts the are due later, and added to the first purchase by pulling an amount that is due later and adding to the the first amount ,there by raising the first purchase in hopes that I can't pay it off in time?
Is this legal that tey can move around what was purchased later and adding it to my first purchase?
these three purchasses are the only three used on this card
I even called them explainig in detail how I wanted My payement applied , non of which they did
I'm going to cancel this card!!!

Months ago I switched banks and updated my banking information on my account on the synchrony financial website by deleting the old bank account and entering the new oneSince then I've made payments with this new bank account and had no problemsNow I downloaded the app for the first time through the same website and made a paymentThe bank account listed when I authorized this payment was in fact my new and current back account, but somehow the money was attempted to be debited from my deleted accountThis is reflected in my payment historyI have two major issues with this: first, why is my deleted banking information still in their systems at all, especially as I'd never even used the app until over months after deleting this information; second, even if they still have my old banking account on record, how is it even legal for them to charge that account when I clearly never authorized money to be taken from it? I'm deeply disturbed at this institution for making such an error with my personal informationOn top of that, I now have a mark on my credit score for a late payment that I thought I'd paid already

I recently purchased a sofa with Rooms to GoI had an existing account with GE Capital Retail Bank, so I was already approved for creditHowever, RTG could not update my account information, and I no longer had the information, so I had to wait for an account statement
I called the new company, Synchrony Bank, and was immediately told that there was a "high volume" of calls and that there would be a waitFinally, a woman with an Indian accent came onto the lineHer English was poorShe did not understand my questions and kept reading from the scriptEverytime I asked her to spell "Synchrony" she would repeat the name of the website, without spelling itShe told me that, even though she had verified my information over the phone (including my SS number), she coud not change my email address on the phone and that I would have to wait for a statement to arriveShe also kept hitting different buttons on my phoneShe asked if I was on speaker (I was not)I told her that I believed her headset was the problem
I asked to speak to a supervisorThe supervisor, who was American (midwest accent) kept interrupting me and was very abrasiveShe, too, informed me that there was no way that they could update my email address in the system, even though they had verified my personal information on the accountThere was no way they could give me my account number, eitherSo here is what I learned:
Syncrony will not help you change your information via telephone, even with all personally verified information (as all the major banks and credit card companies do)
It you no longer have access to your online account, they only allow you to update your information BY SNAIL MAIL
They send their first bill out on the 14th of the month, prior to the due date of the 6th of the next monthMeaning, you will likely get your bill---BY THE US MAIL--just days before that bill is due
If you have arranged to do a monthly payment plan with Rooms-to-Go, as I have, and happen to be away during those days when your first statement/bill arrives, and don't jump on that immediately to set up your payment system (or update your old account information, as I need to do), you will miss the first payment
If you miss the first payment, YOU LOSE THE ENTIRE ROOMS TO GO MONTHLY PAYMENT BENEFIT RIGHT AWAYYou no longer get the "no interest" deal
If you can somehow figure out your account number, and decide to mail in your payment, just to make sure you don't miss it, unless you update your information afterwards this can all happen againIf you miss just one payment, you lose the deal and ALL INTEREST BECOMES DUE
Of course, this is all still legal, because you do have those days to get that first payment in, and you can still update your info by snail mail, 1970s styleIt's just a huge pain in the a** to do soAnd they know itThey set it up that wayIntentionally
In other words, Synchrony makes it very, very easy for you to miss that first payment, and therefore also lose the "good deal" from Rooms to GoWorse, they make it very, very difficult for you to set up that first paymentStill worse, they make it very, very easy for you to miss subsequent informaiton, if you do not take the time to update your information SNAIL MAIL aka styleBecause that way, you will, in all likelihood, fall into one of their trapsAfter all, we lead busy livesAnd who doesn't use the internet, or even the phone, for heaven's sakes, to update their account information!
Clearly a dishonest company, operating on the edge of the lawBut just withinDisgusting

So far I have had no problem with Synchrony Bank policies or customer serviceHowever I would like to sound a WARNING ABOUT ONLINE PAYMENTSMy connection is via CARE CREDITMy statement says I can pay online at mysynchrony.comThis is a bogus site and does not do anything at allBeing the deterimined sort, I went to the Care Credit site and followed links promising online payment capabilityWhen I arrived at a page supposed to set up an online account, I suddenly balkedFirst the page made no mention of Care CreditIt did not ask for my nameIt asked for my account number and Social Security Number(It should not need my SSN with an account number.) NEXT, I noticed that the Internet domain is .DOWhere or what is .DO? Looked it up, it is the Dominican RepublicSorry, I have heard of DR scams in the pastSo, as for me, I will continue to pay by check via the old-fashioned U.SMailIt's a little trouble, but nothing like identity theftBEWARE (It is possible that the mess is not the fault of SynchronyAnd I doubt that it is the fault of Care Credit.)

I have had a JCPenney credit card through Synchrony Bank for over a yearI have never charged up to my credit limit, and never paid late, not even a dayI got a letter in the mail yesterday saying they were lowering my credit limit to either the account balance or $100, whichever is greaterSure enough, I checked my account this morning and my credit limit has been reduced to half what it wasAll of my payments on all of my accounts have been 100% on timeThere was no reason for them to lower my limit

Synchrony bank is most unfriendly, non customer focus bank you could ever deal withIf there is any issue with the transactions you do with their credit cards they will completely back off saying "they are just finance providing company" whereas other banks will ensure customer gets the product/service you pay forSynchrony's bank customer service specially the dispute resolution department is most unprofessional department you could ever deal withYou will get poor response from that department and inconsistent messages every time you talk to themThey will refuse to share any information with you stating any policies/reasonsI have been a customer with GE bank for almost years, never had any problems but I was forced to cancel all my accounts with Synchrony bank due to their unprofessional careless behaviour and attitudeI would not suggest anyone to go to Synchrony bank ever specially when there are other world class banks available

Worst cc company I have ever dealt with We waited for months to get our card We like shopping at SAMs and there is no other way to get rewards u less you have this cardWe were told weekly that the cra would arrive in 7-daysThey are the most inefficient company of its sizeI can't imagine how they got an account the size of SAMs *** *** orlando

Had my BP Visa switched from Chase to Synchrony Still don't have new cards, so no CVN code, leading to no way to access on-line for monitoring, paying Received an automated fraud alert call for two gas purchases (at a BP station!), and a fast food charge Got a letter a week later, indicating my account was blocked for potential fraud and I needed to call customer service Called - letter went out with automated call Supvr indicated I can expect possible additional calls FOR THE NEXT MONTHS as the system "learns my spending habits." I've had this card for over years (which apparently is not enough for the 'system' to learn my habits), and never had a bit of issue with Chase Was informed that if I'm not available to take an automated fraud call, my card will be locked and declined at next use All of the proposed solutions provided by Synchrony requiring me doing a lot of additional work I don't get the impression they are interested in my business

I had opened an account with GE Care Credit for some dental work that was unexpected GE shortly thereafter sold Care Credit to Synchrony Bank Within the span of twelve months I had paid my monthly payment within a few days of the due date and every time Synchrony Bank charged me either $late fee or $late fee When I complained they said there was NO grace period because of the credit card in question, complete BSIt was just another way for Synchrony to take advantage of consumers Then after dealing with this a few times, I opted to pay the card off in December of It showed a balance I paid the balance and then within a few weeks received another balance of $8.91, the fleecing continued When I called they said it was because the payment didn't post in time so there was some additional interest I said your website indicated what the balance was when I paid it off - they didn't care So for three months I have a zero balance on the Care Credit card and another doctors appointment for my wife came up and I regretfully said use the Care Credit card She went into the Doctors office had her procedure and then went to pay with the paid off Care Credit Card and it was declined The doctors office called Synchrony to get the authorization and they informed the office that the account was closed because of "No Activity" - I said your kidding right Called the # and logged online to customer service for chat Yep, they confirmed they closed the Account because there was no activity I said for three months? They said well you haven't charged anything on it in more than a year, so that's what we considered inactivity They said I could re-apply if I wanted and I kindly told them to go screw yourself, that is the worst customer service I have ever experienced with a bank When I pay off my credit cards including my *** ***, they don't close my account because I decide not to use them
STAY AWAY FROM SYNCHRONY BANK, THEY WILL NICKLE AND DIME YOU AND WHEN YOU THINK YOU HAVE A BALANCE AVAILABLE YOU WONT AND THEY WILL CANCEL YOUR CARD WITHOUT EVEN INFORMING YOU
Thank God for *** ***, they know what customer service is Beware!!! Not sure why the Revdex.com.org is showing starts with so many negative reviews outnumbering the positive and all other review websites show star?

A bunch of hypocrites they have no customer loyalty I never heard of the practices that this company have in regard to the Samsung Club personal credit through this bankRun for your lives or they will run from you

I opened an online savings account in the September timeframe with Synchrony Bank due to the nice APR offered I have a decent sum of money and needed to do a transfer to my checking The website has been down for days at a time on and off for several weeks, and when I call Customer Service all I get told is that I need to call another number which is always for GE Capital and they of course can't help me Please fix your site and get your customer service straightened out!!! This is not the most reassuring way to treat people that you expect to open accounts with you I am seriously considering pulling my money and closing the account!!!

This is the worst bank for a line of credit I was offered this card by a local electronics retailerIt took several phone calls to answer my questions, I was charged $of interest in one month! NEVER will I use this bank again in the futureThey have it posted out of based on customer reviews! How can that be look at the numbers, 93% Negative, 3% Neutral, and 4% PositiveThat doesn't equal out of 5! Fraud, is what that equalsI understand customer reviews are not considered when calculating a rating, but if not what is!? As a retired Combat VetI am yet again disappointed in business practices in our CountryShame on you Synchrony! To the fellow consumer do your due diligence before dealing with this company! I wish I did

For years I had a BP Visa card serviced by Chase Earlier this year it was announced that Synchrony Bank would take over the BP Visa card business in May The only information I received on this was from Chase and what I read on the web; never a word from Synchrony, nothing on their web site
Since May there has been no on-line access to BP Visa accounts On May my card was declined at a BP gas station I reached Synchrony by phone and was told that accounts were unavailable but would be working again on May 19, plus on-line access would be available on May Today, May 19, the web site www.mybpcreditcard.com still doesn't recognize my BP Visa account I called Customer Service again and was told my card would not be recognized when merchants swiped it, but I could ask them to try keying in the account number by hand I'm afraid to use it all under these circumstances They also told me that everything "should" be working on May
What kind of service is this?