Synchrony Bank (Formerly GE Capital Retail Bank)

Applied for the walmart store card and was denied..only reason given was "applied too recently"No backdoor number or anything to callAre you kidding me? This is the only reason you could give me? A lot has changed on my credit since the last time I applied which was about months or so ago! Ridiculous

Snychrony Bank recently sent me an email dated November 19, stating that as of October 31, I had a balance of zero and available credit of $ I recently used my card to pay for some dental bills and they declined to pay the bill When I called Synchrony Bank they said they cancelled my account in September due to non activity, yet I received a statement in November stating otherwise
This is ridiculous customer service and their statement led me to believe I had credit and caused me to take action to use my card in November with my dentist This is unacceptable in my opinion It is misleading, untruthful and detrimental to my credit with my dentist out of no fault of my own I have no missed payments in my history with Synchrony and it is obviously a new policy post IPO to say they "sent a letter", I never received As a matter of fact they could not of sent the letter to my new address because I didn't update my new address until October, yet they said they couldn't tell me the address they mailed the closure letter to, they could only confirm, so of course they confirmed my new address...more untruth I will never use this bank again--buyer beware

Horrible

I was upset that my Chase credit card got sold to Synchrony Bank but figured in all the big financial dealings it would happen sometimeI went with the flow until I received my replacement card and noticed that my APR was INCREASED BY percentI was absolutely livid !!! I opened this card with chase back in 1984, you would think that they would see I have some loyaltyI called and was told " this was how EVERYONES APR was going to be handledThey take the markets current rate and add I believe she said 7.??% on." I was shockedHer next comment "is that okay with you or would you like to close account"? Guess what I did, closed that account !! SHAME ON YOU SYNCHRONY BANK FOR TAKING OVER LOYAL CUSTOMER BASE AND SCREWING THEM OVER FOR YOU TO MAKE MORE MONEY

We are a company that uses synchrony Bank THIS COMPANY IS HORRIBLE!!!! DONT EVER FIANCE ANYTHING WITH THEMThey have screwed our customers so much to where our customers don't even want to use us anymoreThey think we are scammersThis company has percent Horrible customer services , they treated us like dirtThey screwed our account up and all my customers accountFinanced dollars more then what should have been financedWe have been calling daily for help and no one seems to help usWe have tried so hard to work everything out with them and they keep screwing upMy advice to everyone don't finance with them, your wasting your time I recommend using a different financial companyWE ARE We will not be financing any of our customers with this bank any more!!!!!

I don't know how this company has a A- rating from youThis is the worst company I have every dealt with in my yearsAfter a recent call with them I have requested that they close my accountThey are only interested in tacking as many fees as possible onto your accountDon't do business with them

Hostile customer serviceBad attitude to reponde customers concerns by phoneVery extrict policies that just desadvantage customers and they clearly do not care about long relationship with customers since they do not consider even the history of payments to double check mistakesThey care about money, not customers satisfaction

I opened a Sleep Train Credit Card with GE Capital in December of for a financing promotion they had going onI purchased a $bed and setup auto payments so that the bed would be paid off by the time the promotional period ended, which was December However, sometime around 2014, when GE became Synchrony, my payments were changed to the minimum amount without my consent or notificationSo when the promotional period ended, I still owed money on the bed and Synchrony charged some absurd interest chargeI feel like I have become a victim of an unsavory business practice and was completely lied toI have looked through other complaints on Revdex.com and there are many cases that are similar to mineI am still waiting for a reply to my initial complaintThis business aims to cheat people out of their money while lacking to provide any customer support whatsoever

These people are horrible...Please do not use any part of Synchrony BankThey will either close your account or lower your credit to a limit that is useless You find out in a letterInterest rate is way too high, customer service is horrible, all they are interested in is the interest rate that is attached to the accountFind you a good low credit card interest and then use it to shop at all the places that this Bank uses It will be better for your well being

I am filing a complaint to the "ATTORNEY GENERAL" & " CONSUMER FINANCIAL PROTECTION AGENCY" & AN ATTORNEY FOR A CLASS ACTION LAWSUIT AGAINST YOUR COMPANY - as I see you have made it a practice of lowering credit limits and closing credit cards of people who ALWAYS MAKE ON TIME PAYMENTS!
you have further damaged my credit by lowering my credit limit to which is only dollars above the balance - you have increased my over all credit card utilization which DAMAGES my credit score
I HAVE NEVER MADE ANY LATE PAYMENTS AND I WAS WORKING TO PAY DOWN MY CREDIT CARDS TO REBUILD MY CREDITThey lowered my credit card limits down to the BALANCEwhich caused my credit card utilization to increase to 100% at NO FAULT OF MY OWN There is no way this should be legal By lowering my credit card limits down to the balance owed - it negatively affects my credit because it raises my over-all credit card utilization
I HOPE EVERYONE WILL JOIN IN ON THIS CLASS ACTION LAW-SUIT

Phone calls made to Synchrony Bank are futileThe Synchrony rep does not speak English very well each time and I do not get good reception with the callsThey call within days of the due date of the bill and will not stop callingPlus they have failed numerous times in mailing my billsOnce this bill is paid off I will never use this company again

Terrible customer service and poor technologyCould not get access without full account informationStaff or manga gears only wanted to take payment onlineI could not validate what payments were made or any other activities

Charged me interest before no interest period was finishedLate fees are very highWebsite does not always work

I would like to take this oppertunity to say thank you to Synchrony BankI have been trying for years to establish my credit and get respectable credit scoressix months ago I applied and received my first unsecured card from Capital One bank with very low CLStill it was a new start for me and I was gratefulI waited a month or so and applied for a couple cards owned by Synchrony and was flat out denied One in particular was the Walmart card because I frequently shop thereI called and spoke to a rep and she explained to me the reason for the denial and gave me some very helpful tips on how to improve my chances for the futureI followed that advice made all my payments on time kept my utilazation down and didnt attempt to open any more cardsWell recently after receiving a CLI from capital one and my score climing into the high 600's I went for itTo my surpise I was approved for the amazon card with a respectable CL, then received an offer for a walmart store card so I applied and bang I not only got a the card but it is the master card not the store only card.again with a very respectable CLRecently I applied for several other cards and all approved with again respectable limitsMy score has now reached into the mid 700's and I am maintaining my payment patternsThis bank has helped me to increase my credit score while giving me a chance not many other banks willTheir customer service is great and understanding they are knowledgable about the accounts and willing to help in any way they canI am more then happy with Synchrony Bank and will hopefully doing many more years of business with them

Please avoid this business at all costThey initially set me up with a 1,balance to get some work done at the dentist that my insurance wouldn't pay forThey set me up with a minimum payment of $a monthAfter checking the statements in the mail it had a section that stated 'if you pay only the minimum balance it would take you years to pay off this debt" but I was told over the phone that the payments I was offered would end right before I would begin paying interestUnfortunately due to random fees and technicalities I only have months before my entire balance is due, my balance now is more than the original fee that I had to payDon't even think about being past due at any point, you will receive upwards of calls per day

Not Feeling Valued After years of maintaining an Old Navy/ Gap credit card (2007); I just received a letter dated end of June that my credit card account was closed based on a credit review completed beginning of AprilThis bank has increased & decreased my limits numerous times and I continued to maintain my accountNever defaulting, timely payments, balances paid in fullI spoke with a representative today that basically agreed that the account was maintained well and would reinstate the account if she couldBut unfortunately decisions are not based on my merits as they stand with this companyThere is no one to speak with to understand why as a great customer high & low credit limits are you just deemed unable to further maintain a line of credit with said companyHowever I was advised that I am more than welcome to reapplyWhy would anyone want to reestablish a credit line with a company that doesn't value your business as a customer or consumer??

Received credit through synchrony bank while shopping at JeromesWorst decision everFirst bill comes with a due date of 3/16/So I try to make a payment on 3/12/using my debit card...there is a $fee! I pay all of my bills using my debit card with no fee ever! So ok I provide checking account info and pay that way as they state there is no chargeRed flag #Make payment twice the amount of minimum and receive confirmation emails saying payment has posted thank youI then check my synchrony online account for the duration of days up until 3/16/No change in balanceThe money is never withdrawn from my accountI call customer service and they assure me I wont be charged a late fee...sometimes it takes up to days to go through??? But to make sure there is enough funds in my account when it does go throughSo I'm suppose yo balance on my toes while synchrony finds it convenient for them to withdraw paymentSo fine whatever...I just want to pay my bill! Ofcourse today3/17/money still not withdrawn and now there is a late fee! Horrible! Call customer service they say I provided wrong information...yea right...I double checked! But they will waive the late feeStrange finally on the 17th the payment was deducted from bank account...but how if I provided the wrong info???? Horrible business! They are scammers taking advantage of honest people!

I have NEVER had to deal with a bank who is more incompetent in my lifeWe purchased furniture from Rooms To Go and financed it with years interest freeWe had made only one payment when I set up auto payMind you I have set up MULTIPLE auto pays with EVERY SINGLE BILL I or my fiancé haveAnd we have NEVER EVER had issuesI have a credit score in the high 700s and pride myself in my credit....all payments are on time
Imagine my surprise when next month rolls around and I wake up to find my bank account is over drafted by $4,000!!!!!!!!!!! Synchrony took the ENTIRE payment instead of the monthly minimumI called and after having to deal with a million and automated questions, I finally got to someone who barely spoke EnglishHe then proceeded to tell me that this was all MY fault because I had set it up this way onlineLet's look at this logic: why would I finance furniture, make one payment, and then decide I can pay off the whole *** thing??????
His way of "rectifying" the situation was "well I can send you a check" because he stated that the payment could not be reversedWHAT?!?!? I'm sorry, but no!!!!!! That makes no *** senseTHEY processed that paymentTHEY can reverse itAfter going back and forth with him and getting no where, I ended the call and then had to call MY bank and have them put a stop hold on that payment, which cost me $I then had to call Synchrony back and go through the same bt of automated message until I finally got to someone else and informed them that the payment would not be processedI made a point to make sure they ensured me that I would not be charged a late fee and whomever I spoke with stated he noted my account stating as muchWell not so surprising, I just get my statement for this month and there is a LATE FEE!!!!!! I then have to go through this whole bull yet again and the person on the phone could again barely speak English and couldn't understand meHe had to then go speak with his supervisor and came back to say the fee would be waivedHowever it would not be taken out of my monthly payment that went up, but would be take off the entire balanceMAKES NO SENSE!!!!! Our monthly payment is $130/month, not $yet he could not assure me after the month of May that my payment would go back down to what we set it at
I am INFURIATED!!!!! This is the worst bank I have ever dealt with and will NEVER EVER use any card that goes through them againWe are paying this furniture off as soon as we can to avoid ever having to deal with them and will inform anyone who will listen to NEVER EVER EVER use themThey do not give a rats *** about their consumers and their customer service is TERRIBLEThey should not be in businessIt's a shame since the sales people at Rooms to Go were great and now this entire experience has changed that perceptionI don't know why any company would work with a bank who could give two bt about their consumersDO NOT FINANCE AT ROOMS TO GO!!!!!!! Save yourself the headache now....pay outright or go elsewhere

I make above minimum payments before the due date to pay off my credit cardMy balance is not going down it is going up
If I purchase now from Amazon I use my debit card, but I am going to stop buying from Amazon

Was made a promise at time of purchase and use of card only to have bank say, no that wasn't us who made you the promise Really? How did I get the card then? Wouldn't have bothered applying if not for the promotion Very misleading or dishonest Is lthere a rating below negative? If so, double it and that's my rating