Synchrony Bank (Formerly GE Capital Retail Bank)

I pay my bills on line through US Bank bill pay If I don't receive a bill or at least an email from a biller I don't know what, when, or if I owe anything Synchrony Bank telephones me every day if I owe something and leaves an automated message to call them First of all I don't answer my phone if I don't recognize the number and second of all they wait until I guess the amount owed is past due Then they tack on interest
I will not use my card ever again to shop at TJ Max because of this extremely poor practice

Unwilling to credit my account for the late fee when payment was paid in full the first time the credit card was used, but apparently not received on the exact due date I cannot account for postal service delays or even how long it takes to get to the bank, nor how timely the bank processes the payments Total bill was less than $ Late fee was $ Account was posted days after the due date No grace period Bank would not credit the late fee even after a written request was made Very disappointed in their customer service - no phone number to call to speak with a customer service rep I closed my account because I do not wish to deal with companies that take advantage of customers, mostly of which are college age (which I am not), by hitting them with late fees in an unreasonable manner

I just want to close my Old Navy store card from this bankDo not want to call their customer service again, hope someone from Synchrony can read this post and contact me to help close the account
Do not know why "Automatic Payment" stopped working by itself, I was charged with a late fee
Have zero confidence left on their customer service after a very difficult minutes phone callI paid all the balance online, which included the erroneous late feeJust want to end relationship as soon as possible

I have had a loan from this bank for my *** ***The loan is for two years, I never delinquent with my payment during those yearsI was down to my last payment n for some odd reason the bank said they didn't receive my paymentBoth me n my faxes n mailed proof of payment for that particular month n I've been calling to get help n everone is being very rude even the msnagerThe last customer service representative had hung up on me
I anticipated pating off my loan n now im stuck with an additional payment n late fees which is not my fault
I cant get help n everyone is rude about it now im suffering from something that's not my faultThey had collections harrassinh my phone every day they called like times per day until I had to block their callsI explained my story unil I become frustratedI just want this to b done n fixed

When late for a payment they call about five times a dayWhen you tell them you cant answer your phone at work and call when I get off work they continually call during work timeWhen I tell them I am making the payment when I get off work, they still call no matter whatTheir phone number shows up as from Georgia yet every single person I talked to was hard to understand and have a heavy Indian accent leading me to believe that the calls aren't coming from Georgia I cancelled all my cards with them and will never do business with them again

I sent in a payment in full by the due date via Epay through my online banking and after four months I have not been credited with the payment even though I have supplied evidence of payment timesI am being charged interest and late fees on an account that I have paid in full by the due date

Terrible customer service and deceptive practicesIf you are looking to pay down your debt PAY THEM LAST!!!

DO NOT USE THIS COMPANY!!!
I've had the displeasure of dealing with them twiceOnce when I financed a bed and now when I had to replace my AC unitBoth times, I didn't have a choiceThe first time, I started receiving several e-mails a day from them saying that my account had been locked due to too many failed attempts (that I did not make)After changing my username and password so many times that I couldn't even remember it, I decided to close the account to be safeI paid that balance off and thought I was finished with themAnd since I've had to use them again, the same thing is happeningI called customer service this time and the guy talked to me like I was a mn and that I was the one locking myself out by putting in the wrong informationThen he said that it was because I had the 'autofill' setting checked on my browser and it needed to be uncheckedI still don't understand why that mattered if I wasn't even on the computer or attempting to log in when I was getting the emails a day saying it locked again and again and again......so I closed this account as well, just to be on the safe side because these people clearly have no clue what they are doingI'm sure doing so has hurt my credit but I didn't feel as if I had a choice

When an old crown came off one of my teeth, the dentists' office offered me a Care Credit application to pay for the new oneI was happy because there was to be no interest charged for the first months, and there was notification that if it was not paid off during the interest free mos., interest would be charged on the full amount from the beginning date of the chargeThe first bill came in and I divided the total amount by the mosto see what my monthly payment had to be in order to have it paid off by the end of that time Yes, it was more than the "minimum" payment amount, but it worked for meIf I did pay the minimum, because of Christmas for example, the following month, I added the extra amount so I would be back on tractI'm not sure I would have been able to get the tooth fixed without this, so I would definitely recommend it to a friend or family memberI would probably also explain how it worked for me, and hope they would do the same kind of thing

I applied with this bank from Sam's club ( to be sepcific on 09-04-2014)few days later, I got mail stating that I shall be receiving my Credit card soon ( on Sep 9)To this date 9/- I did not receive this credit cardI called Customer care to inquire about this( atleast times before today), but today I had a differnt experience
I called them around PM, asking where is my CC ( since it has been almost days since I applied for CC)The lady was rude enough to encourage me to speak that I wish to close my account and the conversation eneded up with she agreeing to send me another credit card to the address I have provided ( She menitoned that my card was returned- so I gave her my home addresss - my previous address was my office address)and asked me to go to Sam's club to see if they can issue me temp credit card
I went to Sam's club and this lady at Sam's club calls customer care, to my surprise, this lady told me that the account was already clsoedAnd then she transfers me to her superviser askign me to wait, her supervisor said yes my address was changed but my account was clsoed ? Doesnot make senes, why would I change my address if I wish to close my account ?
This is even more frustuating, sicne I kept calling them every few days to keep track of where my card is and after days, this is what happens
This is worst coustomer care service I ever had in my entire life, as if these employees are paid very little to keep thier emplyer happy

I called to find out what a fee on my statement was forCall 1: After going through all the automated steps and insisting I need to talk to a rep, I finally got oneThe rep was very hard to understand and transferred me to another rep who insisted she could not help me and hung upCall 2: Automated steps first....argthen a rep who said she would look it up for meAfter mins, I hung upCall 3: Automated steps againOn hold and then a rep who could actually helpSo what should have taken mins max took over an hour

I use a third party provider to monitor my credit and balances on my account Synchrony is the only bank that does not allow this provider access to my account When I contacted their customer service, this is the response I received: "At this time, we do not provide access to Synchrony Bank account(s) via these third-party toolsPlease know that protecting any personal information provided to us is one of our primary objectives, and we continue to work closely with these third-party service providers to ensure they meet data security standards and are fully compliant with regulatory requirements before enabling these sites to access your account details."
I have accounts with four of the top ten largest market share credit card issuers They sync fine with my credit monitor company Synchrony is a farce if they think that their standards are any higher than the other companies that hold 98.7% of the market share

Will never do business with this bank againClosed my account even though I had a $balanceNow, thanks to them, my credit score will be loweredHad I known, I would have never, ever opened an account with them
Do your research when applying for a credit accountIf you see Synchrony bank, run for away
While demoralizing now, them closing my account is a blessing in disguiseThey aren't worthy of my business or anyone else's

Terrible experience with Sybchrinycespecially since they joined Amazon I had auto payments set up and then done fraud activity happened on my account so a paynent was returned I noticed and called realizing I needed to possibly update my information I asked that my late fee be removed because I had never asked my bank to not pay that paynent The custobers We ice rep was nice enough to oblige but then less than a week later , I receive s letter that my account was closed because of lack of paynent issues I was not over my balance ; I had good paynent history otherwise what was the point of having an act with Amazon , absolutely ridiculous and unfair credit act by Synchrony They want me to have my bank draft a letter stating I was not the one who asked them to hold his paynent

Recently went to buy some Clark's shoes for an upcoming trip JCPenney sells them and so we ended up purchasing them there
While in the store we saw some clothes that my wife liked and saw that we could use a JCP card (we did not have one)and save 20% Went hame and applied, forgetting that I have my credit locked down Received a denial letter, showing that they use TU Opened up TU and resubmitted Received a denial letter stating "PRIOR APPLICATION SUBMITTED TOO RECENTLY"
Sent a letter advising them to keep their card, and no more shopping a JCP with or without a card Shame of them for using Synchrony Bank

Synchrony Bank is a FRAUDULENT CompanyThey commit FRAUD to account holders that seems legal in their eyesI opened an account with them about months ago, always paid early, NEVER late until last week because of a simply mistakeI was making my payment as usual, so much was going on (Family Medical Emergency) but I was still paying bills online at the hospitalI thought I submitted the payment but I didn't by mistakeI checked my e-mail and a message was from them stating I didn't pay my amount dueI was a day late according to my statementThey dropped my limit to zero, I paid the monthly payment, plus the late fee because they wouldn't lift it, after I calledI was told it wasn't because of the late payment but my credit reportI asked why a report was pulled, the representative said they didn't pull a report, they evaluate monthly ALL accounts and base your limit on thatThey are such liars and FRAUDS!! Shame on them for INTENTIONALLY trying to hurt people credit scores to benefit their pockets!! All good things or shall I say things people think are good comes to an end some time in lifeNEVER open an account with Synchrony Bank, FRAUD, FRAUD, FRAUD!!!!
PS
She had the audacity to ask if it happened with other credit accounts and the answer was NO and I've made a mistake a few times in the past, I'm humanMy limits have increased with other credit accountsNO excuses for their FRAUD!!!!

Like ***I too had accounts through Synchrony Bank that I had always taken care ofI opened a Lowes credit card account and an Amazon store card accountI had worked on both accounts vigorously to increase the credit lines and had my lowes at $and my amazon at $All the sudden both accounts were closed even though I always paid on my accounts before the payment due date and always paid more than the minimum payment dueBecause of synchrony bank closing these accounts it dropped my credit score pointsIt affected my overall credit card utilization terriblyMy utilization was 34% before they closed these accounts and after they closed them it rose to 52%How can a company be allowed to do this to great, responsible consumers? I could understand if someone didn't pay on their accounts, but for those who do this is disrespectful and wrongI think the Revdex.com ought to look into the business practices of synchrony bank and have this business closedIf *** does file a class action lawsuit I will join in her efforts to stop this company from continually harming good, upstanding consumers

I am having the absolute worst time with my Gap Visa credit card through this bankThe fraud detection software they are using is completely broken! It is practically impossible to use this card to make online purchases, it gets DECLINED and LOCKED so frequently that it's not even worth trying to use it online at this point! Then I have to go through a whole ordeal before they unlock my card and I can use it again! The amount of time I have had to waste on the phone with this bank to be able to use my card is unreasonableThis happens multiple times a month, there have been weeks where it happened multiple times in a week and it is beyond frustrating, the card is practically unusable online at this point! None of these purchases are unusual compared to my purchasing historyIf this bank refuses to do something with my account to stop having these purchases flagged and causing my card to get locked at such an unreasonable frequency I will have no choice but to stop using this card online (which is a large percentage of my shopping)I have cards from other banks and NONE of them have this issue! My card has always been paid on time and has never had a single fradulent use in the years I've had it yet I keep having my time wasted by this incompetant bank!

This company bills in "cycles" and uses these cycles to cheat money out of their customers For example, in the past months I have mady payments on my account I still got slapped with a late fee for November because they said the payment I made weeks before the due date wasn't within the "cycle" so it reflected on the previous months statement How is this legal? And this isn't the first time they have done this to me How the heck is the customer supposed to know what their "cycles" are? Cheating and stealing, simple as that

My husband opened an *** credit account in mid DecemberWe called them in January because we had not yet received our card, nor a statementWe were told we would be being both promptlyWe didn't receive a statement until March 31, which was already days pay is due date, and also said we were three months delinquentWe called them to ask how we can just pay our bill onlineThey then said we would need our cardWe told them we still have not gotten a cardThe account number on the statement also did not match the account number our welcome email hadThey overturned the late fees, and said we'd get our card, and that the issue with the statements was resolved, we would be receiving them from then forwardWe called Synchrony May 1st, again because we have yet to receive a card, and also we had not received a statementMay my husband receives an email to register online, for bill payOnce again, the account number is different!
Predatory, convoluted billing