Synchrony Bank (Formerly GE Capital Retail Bank)

I have been paying my bills online for years Synchrony takes over and my account gets messed up I paid my September bill $and got an e-mail yesterday that my account is past due ($229) I called customer service, she told me because my payment was $short She said my payment should have been $ Per their online statement, the Current bill is $and the September Bill was $equals ($229) not $PLUS $ TOTAL IS!!! I am getting rid of this Credit Card and in the future I will not apply for any company that has their credit cards thru Synchrony Which it seems they are pretty much taking over alot of them

I had a Care Credit card that I used once for about $It was paid off several months agoI attempted to use it today for some emergency dental workWhile sitting in the dentist chair I was informed that my card was declinedI phoned and was informed that my acct was closedThanks, Synchrony Bank

Synchrony Bank may be the only online creditor I've ever dealt with that won't let you cancel a payment if you've made a mistake Today I tried to make a payment on my Paypal account and accidentally indicated I wanted to pay the full balance instead of just part Even though the payment is pending, I can't cancel it and enter a new one I understand that the mistake was mine, but other web sites offer a way to correct a mistake like that as long as the payment hasn't gone through
When I called "customer service" I was told there was nothing I can do I have contacted my bank to try to stop payment, but if that doesn't work I am going to be so screwed I can see I'm not the only one with a poor experience with this bank - who, by the way, I didn't choose I was fine with GE I will probably cancel my Paypal account as well and tell Paypal why

From Jan till April I had an account with a limit of $2,500, soon raised to $2,dollars.The highest I ever had the account was just over $I was never late with a payment and in good faith made twice the payments needed, most well over the minimum asked forOf those eight payments Crony bank drew from the wrong account, the one I had closedThe moment I was made aware I corrected it and resent a payment from the correct bank, Wells FargoNever ever, even with Crony's screwups, was I late on a paymentYet because of Crony's screwups my account was abruptly closed, and with Crony's reputation I'm sure you'll try and screw with my credit rating for your own amusementMy hobby for awhile will be to post about Crony's unethical business practices across the web to warn others, and report to any regulating agencies with an interest in bad banking practices

I usually pay my credit card accounts if full each month This month I accidentally paid Synchrony Bank, in full, Twice When I called to ask them to reverse the duplicate payment, the agent said that I could only get back the amount less the charges that had been made after the statement date, and that would be a paper check, not an ACH payment as I had submitted When I said that was unsatisfactory and asked for a supervisor I was put on hold The same agent returned and said if I submitted a fax of my bank statement showing that I had paid twice I could get a paper check in the amount of one payment Really? I have to show a statement from my bank indicating double payments when my account clearly shows two payments? I will not be using this BP card in the future

Synchrony bank dipped my account one day earlier than my payment due date and caused my checking account to go negative, then dipped again the day of my payment due date and my bank did not honor the payment Synchrony made no attempt to contact me, but instead closed my account This, of course, will reflect negatively on my credit report
After a very arduous series of phone calls, I was able to get a synchrony employee to request that the "risk dept." reinstate my account They did not
I feel that Synchrony bank has dishonest practices and only wants to turn a revolving credit line into a high interest loan at my expense This was my Amazon.com credit card, so I will also complain vigorously to Amazon.com I recommend NOT using Synchrony Bank

Never deal with this company if you have a choice; I may even stop shopping at Amazon for allowing this financial institution to extend credit to Amazon shoppersThe late fees have almost negated my savings from intrest free promotional credit over the past yearA $balance nets a $late fee which is greater than the monthly payment due I will be paying off my balance the first of next month and placing them and Amazon on the junk mail list

I have NEVER EVER dealth with worse customer service than these mns
I have been online and on the phone trying to PAY MY BILL for about two hours and FINALLY got through to a human being and got it paid
DO NOT DEAL with Synchrony Bank for any reason!
They are a total nightmare!

tried to open account failed no help by telephone and e mails never answeredAsk too many questions

I am SO ANGRY with Synchrony Bank - only for my Old Navy Visa! The customer service from the people in India (or wherever they are stationed) is TERRIBLE!!!! My card has been "frozen" twice, due to me using it at places I dont usually use itI understand that they are trying to be protective, but how embarassing to be declined in public!!!! I have let that slideThe last time that happened was over XmasThis past Saturday I tried to put gas in my car, got declined at the pump which is not unusual at some gas stationsTook my card inside, DECLINEDI assumed it was a fluke, so I used another card and went on with my dayWe then stopped at Toys R Us so that I could pick up a birthday gift for my nephew, DECLINED!! WTF??? I had JUST made a $payment to this card last week, so I KNEW it was in good standing(I have NEVER even made a late payment in the years I have had the card.) So then I call good ole customer service, only to be put on hold for minutesHung up and called back, I was told that they had deactivated my current card because they were upgrading me to a signature visa and sending it outI asked WHY they would deactivate my card before I even receive the new one, they said that they were doing a service to me??? NoI dont think soI asked when I could expect my new card, because I am leaving for a cruise THIS THURSDAY and I entered THIS CARD to be used months ago when we paid for the cruise! I was told, "I am not sure ma'am, it was just requested on 1/so it will take 1-weeks"I asked WHO requested it, because I know I didnt! He said "we are trying to do you a service"?? I said BY NOT ALLOWING ME TO USE MY CARD AT ALL"??? I asked to speak to his supervisor, because he was not making any senseI was put on hold for minutes, so I just hung UP! I can not understand how it is acceptable to deactivate someone's credit card for absolutely NO reasonBecause they are sending me a new card, which I HAVE NOT RECEIVED YETI am BEYOND FURIOUSTERRIBLE CUSTOMER SERVICE

I've had my Old Navy, Walmat & JC Penny's card for a few years nowI've NEVER HAD A PROBLEM WITH GE BANKNo that Synchrony Bank has taken over they've lower my credit limit by $on one cars and $ on the otherMy credit score has gone from to This is very painful especially if you've only been late by a few day maybe times in one yearMy monthly payment are less than $and I always pay no less than $I miss GEI'm so upset right now!!!

I never have had problems with my Lowes/Synchrony Bank loanI had bought a water heater and I am paying for it on month interest free loanI made a payment right before Christmas last yearOn my January statement it says I haven't made the payment, and charged me dollars for missing a paymentI have talked to representatives, I have faxed bank statements ( times) to them that they indeed cashed my checked I haven't received notice that they received the last two faxesThe representatives tell you it takes daysIt is a day before March and still no wordWhy is it we make a mistake, they are all over usWhen they do , they are in no hurry to fix the problem

9-29-Bought Husqvarna chainsaw Model from EZ Discount Marshall, AR $1,
Had to call Satwouldn't start Used one time NOW WON'T START AGAIN I got snookered
Synchrony Bank's computer wouldn't take my mailing address (apparently) *** put in my physical address Called one week later, to pay off the saw *** *** *** & supervisor wanted my bank account #'s Wouldn't give ME an account # to put on check to pay off saw
Told them to cancel that account Do NOT sell or share my info Send me a bill to my mailing address
10-18- Received bill at my P.OBox for $1,138.12, due to them & their dealer's computers not working correctly This is a rip-off!
Buyer Beware of Synchrony Bank
*** ** ***, ***
*** *** & *** ***
Greenbrier, Arkansas

I would not recommend Synchrony Bank to ANYONE Our Sam's Club credit card is now through them and we will be canceling the account and making a complaint to the Sam's Club membership department within the next few days This could get to be a very lengthy review, but please read all the way to the end In reading some of the other reviews posted here within the past couple of weeks, I see that some of the same issues we are having with this "bank" are occurring with others
We submitted our change of address weeks before moving to another state, and received a letter CONFIRMING our new address The letter stated that if this change was correct, no further action was needed We tried to use our credit card - DECLINED Called "customer service" (I use that term loosely!) and they wouldn't talk to me because my account was on hold - because they couldn't verify who I was because the phone number was a cell phone number This cell phone number is in their records, mind you, but because the account was on hold, they say they couldn't access my account They wanted me to mail them two pieces of identification to prove who I was I told them no way was I mailing ID! Then they told me they would mail a letter to me at my new address (!) and once received I needed to call them to give them a code number in the letter to unlock my account Got letter in the mail, jumped through their hoops, and they supposedly unlocked the account
Yesterday - card declined again Called them today - after going through their HORRIBLE automated system, which, by the way, says they would love to have me complete the survey after speaking with agent I would dearly LOVE to get to the survey, but even though being told on EVERY automated call made to them, I have, oddly enough, never gotten a survey after speaking with an agent Never Anyway, I speak with an agent, "John" - yeah, that's his name,sure....ask him about card being declined He says oh it should be fine now I ask why it declined in the first place and he says it is because mail was returned from our address as non-deliverable Unbelievable! I got that letter with the code, I confirmed my address with him at beginning of conversation and THAT is the reason he says it was declined But, it is "all fine now that we have spoken with you" ARRRRGGGGH! Goodbye - no survey at the end of the call, of course
Call back to ask about our rewards for using the card Online banking says they sent a check for the rewards in January - but we never got it Go through automated hell again, finally get an agent - "Mary" who asks me MANY more verification questions about my identity than "John" did, and when I told her that, she says she doesn't know why previous agent didn't ask for more verification, I stated that it was because Synchrony Bank is STUPID because there is NO consistency with ANY of their procedures Well, "Mary" hung up on me
I called back - automated hell, get same "Mary" again and I ask for a supervisor I get put on hold with music for a couple of minutes, then lo and behold - I get hung up on again
DONE So DONE with SYNCHRONY
Run for the hills if you see that name come up and do not open an account with them for any reason!

I had a outstanding balance of 50$ and they charged me 390$ for the 50$ I owe and were very rude when I tried to contact them regarding the chargeI highly recommend not to do business with those guys

This is a positive scam!!! 27% interest and they won't let you pay-off with a credit card. GE owns them and they are sm. Get a title loan before you go to these low life's.

It's a horrible experience to pay my bp credit cards

They are swindlers, I was 4 days late on my Amazon account and they closed my account. I have had an account with Amazon for years and just like that they closed my account. Secondly I had a walmart card low balance but it was fine they took over lowered it more put me over my credit limit and then charged me when I now owe 1.42 cents they closed my account . If I where u or any company I would stay sway from them because two places I spend a lot of money at just lost my business and respect

I purchased $8,100 worth of blinds from 3 Day Blinds in part because they had a promotion with Synchrony Bank for 18 months with no interest.

Fast forward to a year later and Synchrony Bank now claims the promotion was only for 12 months, not 18 months, and unless I pay off the balance in full, all interest charges become are retroactive.

I am paying off the balance and closing my account with Synchrony Bank right after.

We have been Sam's members since 1991 and have had the Mastercard through Synchony bank about 8 to 10 years. We had two new bank cards in the past year due to our CC number being stolen. The last time it was done in Moscow. We went to recurring payments but chose to what we thought was the payment date, add extra amounts that we had charged tto the card. What occured was that the company not only charged us the original payment, they also took out the additional payment. Before the recurring payment we would pay extra on the due date and did this for years. When I tried to get online with the browser we have also had for years, I found that I could not get on the Sam's Mastercard website. When I called, the person I talked to said I had to use Chrome for the browser. I could use the browser I had a sometime in the future, but for not could not.


I can't begin to explain how many calls I made to the company and when talking with different representatives, always got different answers.


One more problem. In past years when going to a differrent state for vacation, we would email and received notice that our account would be monitored at the time of our departure, until our return. The last time we emailed this notice, we received a reply that stated we had to call this information in. When I called and talked to a representative, I was told that from now on I had to call about this issue. I was told that if I didn't notify by phone, my card would be rejected when trying to use it for a charge!! Try calling this company, it is not easy.

Also the my husband is the "major card holder", although I have a card and I am the one who pays the monthly bill and calls to solve problems. But each time I call my husband had to give "permission" for me to talk with the representative.


We have canceled our Sam's Mastercard through Synchrony Bank.