Synchrony Bank Customer Service Issues

I recently received a denial letter for something unknown to me. My credit account should be frozen, as I haven't applied for any credit. I have no desire for additional credit and have taken precautions to prevent unauthorized credit use. It seems someone has tried to access my credit again. I'm seeking clarification on this matter.

A few years back, my partner and I set up a Bill Me Later account. Since then, we've gone our separate ways. Recently, I've found out that I'm unable to access the PayPal credit account due to restrictions placed by Synchrony Bank, the card issuer. I wish to have this account transferred under my name, even if it needs to remain closed. My goal is to manage the payments moving forward. Perhaps there's an option to consolidate some of my other credit cards into one payment. The PayPal credit account, established around [redacted], is solely in my former partner's name, unbeknownst to me while I continued to use it.

To the appropriate party: I recently bought Leafguard gutters and acquired a Synchrony account for monthly payments. Could you please inform me about when my initial payment to Synchrony is expected? Will I receive a statement from Synchrony detailing payment due dates? Is it feasible for me to have a payment book for my account to facilitate payments? Thank you. - Priscilla Z., account # [redacted][redacted]

I offered to pay my son's first monthly CareCredit bill while he was sick with COVID. He provided me with the account number, and I noticed it was 5 days late with a charged late fee. I want to set up auto-pay to ensure the account stays in good standing and help maintain his high credit score. I made a double payment of the minimum due, and I am kindly asking for the late fee to be waived. Thank you for your attention to this matter.

I received a card for the wrong account. Two of my Synchrony accounts, the TireDiscounters Card and Care Credit Card, are connected, but I need a TireDiscounters Card sent to me because I never got one initially. The chat feature on my account is disabled, showing "Not Available." I find the chat easier than calling, so I would appreciate it if this could be resolved.

My name is Bobbie Shoe. I recently received a letter stating that my credit was denied at Ashley Furniture. However, I was approved at the Ashley store in Shiloh, Illinois, where I purchased a bedroom set. I also found the same set at a lower price in the St. Louis store. There seems to have been a mistake in entering my social security number, as I accidentally inputted an 8 instead of a 9. The St. Louis store used the information from the Shiloh store, which was already approved. Can you please advise on how to correct this and remove the denial from my credit report?

I consistently experience my card being locked, disrupting regular purchases well within my spending habits. This has happened at least thrice in the past month, causing unnecessary interruptions. I have been a satisfied customer for years, but this recent issue is becoming frustrating. I urge you to review your settings to only alert me about uncommon activities or implement an automated monitoring system. As a side note, my hourly rate is $[redacted].00, and if this problem persists, I will start invoicing for the time spent addressing these recurring and unnecessary account blocks. Your understanding is appreciated.

I recently received a letter from PayPal Credit via Synchrony Bank in Orlando, Florida. The letter mentioned suspicious activity on my account and provided a one-time password for verification. Concerned, I called the listed number and spoke with someone who I believe is part of a scam. The person insisted on my social security number, and when I refused, they abruptly ended the call. This experience has left me puzzled and worried. Please reach out to me via email. Thank you.

Hello. I frequently shop at JC Penney, both in-store and online, and hold a JC Penney charge card. Currently, I am Christmas shopping online and nearing the completion of an order. Unfortunately, I reside in Houma, LA, a region severely impacted by Hurricane Ida. My home suffered significant damage, rendering it uninhabitable. I have relocated to Whynot, Mississippi. I intended to use my JC Penney charge card for this purchase, but it is inaccessible as it is stored in a shipping container at the impacted site in Houma. I seek guidance on how to proceed with charging this purchase to my card. Thank you for your assistance. I prefer to communicate via chat, but email works as well. Best Regards, P.W. Sammarco, Ph.D.

During my hospital stay for surgery, my bank card got compromised. The bank informed me of fraudulent charges and froze my account until I could get a new card. After getting the new card, I promptly paid my bills. However, I was surprised to see a late fee on my account even though my payment was made within the specified time frame. I was told there shouldn't be any additional charges as long as the full amount is paid on time. I need assistance in getting this late fee waived.

Today, I received a statement from my late father's bank account indicating they rectified an error and credited the funds. His wife, my mother, now owns the account as my father has passed away. I am struggling to reach a human representative over the phone to ensure my mom receives her rightful funds. All I want is to speak to someone who can help transfer my father's money to my mom.

Subject: Request to Modify Billing Due Date and Remove Late Fees – CareCredit Account To Whom It May Concern, I am reaching out regarding my CareCredit account linked to the phone number [redacted]. Despite numerous attempts to connect with a representative, I have encountered challenges navigating the automated system towards resolving my concerns. I have taken the decision to halt payments scheduled for the 8th and await a discussion regarding the following adjustments: 1. Request to shift my billing due date from the 8th to the 20th of each month. This change aligns better with my financial planning, preventing multiple payments in the early part of the month and shielding my credit score from adverse effects of delayed payments. 2. Appeal to waive all accumulated late fees on the account due to billing starting precociously before the dental procedures were finalized. My inability to engage in a dialogue worsened this situation through no fault of my own. I urge prompt contact through the phone number provided or via email at [redacted] to address these pressing concerns. Your cooperation is greatly appreciated. Sincerely, F.M.

I recently held an Ebates and then a Rakuten Visa Card through your company until yesterday. I used it for Rakuten discounts and general purchases. Unfortunately, my eBay account was hacked some months back, resulting in unauthorized purchases. Bank of America successfully resolved the issue on their end with a letter from eBay. When I contacted your company about the Rakuten Visa charge, I was initially told a letter wasn't needed. After receiving a denial via email and reopening the case, I was asked to provide the eBay letter, contrary to the previous instruction. Despite my efforts and evidence, my claim was denied again, with the charge reinstated. I feel disheartened as I've been trying to rectify a $91.52 charge for an item I never received. The back and forth has made me feel unfairly judged. I have reached out to Rakuten, who expressed their inability to intervene due to the credit card involvement. This experience has left me frustrated and disappointed.

I need assistance in reversing a refund issued to Synchrony in February [redacted] back to my employer. Background: I registered for a conference for work in October [redacted] and initially used my personal credit card (ending in [redacted]) to cover the expense temporarily. Due to numerous rescheduling issues, I can no longer attend the conference, and the refund was sent back to the credit card, which was included in my husband's and my bankruptcy filed in [redacted]. Since the bankruptcy closed in November [redacted], the refund amount of $1,[redacted].00 should be returned to my employer as it was not my money to keep. The transaction number is [redacted]0, and I am seeking guidance on how to proceed with reversing this transaction.

I am experiencing issues logging into some of my accounts to make payments or view details. I am only able to pay as a guest and wish to log in properly. When attempting to log in, I receive an error message. I suspect I may have been enrolled in paperless billing without my consent, which could be causing the problem. I prefer not to use paperless billing and would like to change this. It has become inconvenient to only be able to make same-day payments without logging in. This has been ongoing for a few billing cycles. The accounts I am specifically having trouble with are Synchrony Car Care and Synchrony Home, among others. I have multiple Synchrony accounts and aim to access all of them without paperless statements. I also believe it is important for the company to improve customer support accessibility.

I am seeking clarity on an email I received at my email address ([redacted]) regarding a $1.00 payment request, to which I responded on 3/8/22. The email asked for $1.00 to process a refund. I am concerned as I have shared personal information, banking details, and passwords. I urgently need assistance from Synchrony Bank to confirm the legitimacy of this situation, as I fear falling victim to scammers. Please respond promptly. V. Woods

I have been a JC Penney credit card user for many years. During the pandemic, I couldn't visit the US for almost two years, so I paid the total balance with help from my aunt in Brownsville. When I tried to use my credit online recently, I discovered it was suspended. I contacted JC Penney customer service, but they asked me to call a US number to confirm my account, which was impossible since I live in Monterrey, Mexico. They agreed to send me a letter with a password to reactivate my credit. Today, I received a letter stating that my credit was canceled due to suspected unauthorized activity and inactivity. I am frustrated with the lack of logic in this situation and how it was handled. My card number is [redacted].

I would like to cancel my Synchrony Amazon Store Card account. I canceled the Amazon Store Card on April 27, [redacted]. Today, April 28, [redacted], I received a letter stating future items would be billed to the Amazon Account, which is not supposed to happen. I am only supposed to be billed for the prior balance of $1.99 on the Amazon Store Card (which was terminated yesterday) and $14.99 monthly for Prime Video, deducted from my bank account on May 13, [redacted], with no further charges. I have always used my own Credit Card for payments, as evident in my bank account records. If the issue is with Synchrony Bank, I no longer wish to have any dealings with them.

I contacted Synchrony Bank regarding my recent purchases for my grandson's school clothing using my Mastercard. I provided the charges and the online retailers' names over the phone. I interacted with various representatives including Edward, Nigel, Sigmoid, Tina, and Abby from India. Despite repeated verifications for each charge, my account is now blocked. Nigel advised me to visit the nearest Sam's Club with my card and ID for verification. After a visit to Sam's Club where they called the Fraud department, further steps for verifying my identity were requested. Due to my visual impairment, I am unable to fulfill the requirements involving text messages and photo submissions on my phone. The customer service experience has left me frustrated, and I urgently need access to my account restored. I have attached the email from Fraud that I received, but despite my responses, my account remains blocked. -Tawanta Williams

Hello, my name is Robin G. I recently received a letter dated August 20, [redacted], regarding a credit product with Amazon Store Card issued by Synchrony Bank. I am seeking clarification about the specific credit product mentioned in the letter and the nature of Amazon Store Card. I am unsure if I have such a card as I do not recall applying for it. I am concerned that there may have been unauthorized activity on my credit which could impact my financial well-being. Please provide me with more details regarding this matter via email. You can also reach me at [redacted]. I appreciate your assistance in resolving this issue promptly as my credit score is around [redacted], and I believe I may not qualify for a credit card from your bank. Your prompt response to this matter would be greatly appreciated. Thank you for your attention.