Synchrony Bank Customer Service Issues

I have noticed that my account is being closed as my direct deposit did not go through before my payment was due. Despite being signed up for alerts, I did not receive any notification from Synchrony Bank regarding this issue with my JC Penny account. I have diligently searched my phone and email but found no messages. I would like to rectify this situation immediately and bring my account up to date by making the necessary payments. Ensuring my accounts are current is a priority for me, and I am willing to pay the outstanding amount now and set up automatic payments to prevent future occurrences.

I would like to update my account information as follows: - Account Number: 6[redacted] 0[redacted] - Name: A. Fashelle - Address: 21 S. Kuakini St. #[redacted], Honolulu, HI [redacted] - Email: [redacted] and [redacted] I have added J. Fletcher to my account. She resides in unit #[redacted] and is currently using my phone and address. Could you please redirect her orders to her address? If this request falls outside your scope, I will reach out to Amazon, where my account is held. The purpose of this update is to ensure that Joan receives points for her purchases. Unfortunately, I do not have her full Visa card number, but the last four digits are [redacted]. Joan has made purchases totaling around $[redacted].00 on Amazon. I appreciate your assistance in resolving this issue. Thank you.

I keep getting a text message every time I use my card. I've contacted customer service four times to fix this but no one can explain the issue. The last call was on the evening of January 3rd and I asked to speak with a supervisor. The supervisor didn't have an explanation but said it would be referred to the IT department and that I would receive a response. It's now January 9th, and I haven't heard anything. This is incredibly frustrating. Is this your standard way of doing business?

I recently became an ambassador for Physician’s Choice and have been purchasing their products through Amazon using a unique link they provided me. Strangely, only charges from Physician’s Choice are being billed to a credit card linked to my Amazon account, although I usually use my debit card for purchases. I have unintentionally accumulated a $[redacted] debt on this credit card due to these charges. This has negatively impacted my credit score, as I was unaware these charges were being made to this specific card. I am frustrated with this situation and seeking guidance on how to resolve this issue promptly.

I am contacting you regarding my Care Credit Card that I was approved for with a $[redacted].00 limit in October. I attempted to use it at Helping Hands vet for my dog's operation, but it was unexpectedly declined. After calling Customer Service, they mentioned sending me an authorization code by mail and instructed me to provide it over the phone. Upon receiving the initial letter in October, I called as instructed, but was informed the code had expired. Despite my frustration, I followed their guidance. Considering reaching out to the BBB, I decided to contact you first. Subsequently, I received a second letter with a fresh code and notification that the account was closed due to inactivity, a perplexing development given my recent attempt to use the card. Despite providing the new code during the call, I was informed the account had been closed due to inactivity. I was advised to reapply, which I did, but was declined due to an existing application. This situation not only left me unable to pay for my dog's surgery but also led to confusion with mixed messages. I have never encountered such unprofessionalism. I trust you will address this matter promptly by reopening my account. Otherwise, I will be compelled to escalate it to the BBB due to the unethical conduct I have experienced. Thank you, Christopher H.

Dear Margaret M. Keane, I apologize for the issue with Amazon. In November or December, my Amazon account was compromised. I contacted customer service for help because I couldn't log in. I informed them about unauthorized purchases. The representative closed my old account ending in [redacted] and opened a new one, [redacted]. She assured me that everything would remain the same. Recently, I discovered that I actually have two accounts with outstanding balances and was not notified by the bank. I will pay off the balance, but I am confused as to why I wasn't informed earlier. Regarding Wal-Mart, I've had trouble making payments online despite multiple attempts and calls to customer service. Late fees were waived, and I made a payment, hoping it went through this time. I plan to close this account once the issue is resolved. I also faced challenges with PayPal, but managed to settle the account and close it successfully. This recurring issue seems specific to Synchrony Bank, as I never encounter similar problems with other institutions when making payments through PenFed. Thank you for your attention. Victor Gonzalez

I, C. B., had to discontinue a program at Functional Endocrinology of Ohio located at [redacted] Rockside Woods Blvd, Suite [redacted], Independence, Ohio [redacted], [redacted], on September 11, [redacted], after only attending 5 visits due to circumstances beyond my control. The office hours did not align with my new work shift starting at 9:30 am when the office closed at 6 pm. I was unable to continue due to a car accident involving a hit-and-run driver and job changes. Despite attempting to clarify my bills with the office, they indicated I still needed to pay for the program even though I couldn't attend more sessions. I have made significant payments, with my account ending in 3 0 0 9, but received a bill for deferred interest, changing the due date to February 2nd. I sent a final payment of $2,[redacted], as I believe I have already paid for services not rendered due to the accident. I anticipate hearing from you regarding this matter and may seek legal advice if necessary.

Subject: Request for Goodwill Adjustment on Credit Report Dear Synchrony Bank Consumer Accounts, I am reaching out as Leslie Rosengrant (formerly Leslie A. Warner) to kindly request your assistance. I am respectfully asking for a goodwill adjustment to eliminate derogatory marks on my credit report related to accounts with Amazon, Lowe’s, and Old Navy. Despite paying off these accounts in full, they are still negatively impacting my credit profile. During a challenging period marked by a divorce and adjusting to single motherhood, I struggled to keep up with my financial obligations. I now take full responsibility and am actively working to rectify past mistakes. As I strive to provide a stable future for my children and myself, I earnestly request for your understanding and cooperation in removing these marks from my credit report. I appreciate your consideration in this matter and am optimistic about the possibility of a positive resolution. Please feel free to contact me at [redacted] or via email at [redacted] if you require any further information. Thank you for your time and assistance. Sincerely, Leslie A. Rosengrant

Hello, my name is Leslie Rosengrant (formerly Leslie A. Warner). I hope you are well in the New Year. I am kindly asking for a goodwill adjustment to remove the Amazon, Lowe’s, and Old Navy accounts from my credit report. These accounts are still negatively impacting my credit despite being paid in full. This situation arose during a challenging divorce period when I was adjusting to being a single mom to three young boys after a 17-year marriage. I take my financial obligations seriously and am actively working to rectify the past. I regret not being able to maintain my accounts during that difficult time. I am now in a more stable position and striving to buy a new home for my family. I kindly request these derogatory marks be removed considering the circumstances. Thank you for your time and assistance in this matter. Sincerely, Leslie Rosengrant

Hello, my name is Leslie Rosengrant, formerly Leslie A. Warner. I am reaching out to kindly request a goodwill adjustment to remove some items from my credit report regarding accounts with Amazon, Lowe’s, and Old Navy. Despite paying off these accounts in full, they are still negatively impacting my credit. This happened during a challenging divorce, as I transitioned into single parenthood for my three young sons after 17 years of marriage. I acknowledge my financial responsibilities and have been diligently working to rectify these issues to secure a better future for my family. I humbly ask for your understanding and cooperation in removing these marks from my credit report. I appreciate any assistance you can offer. Thank you for your time and consideration. Sincerely, Leslie Rosengrant

I recently noticed that my Ashley Furniture account was closed, and my J.C. Penney credit limit was reduced from $[redacted] to $[redacted]. I believe this change was due to confusion with my two Credit One cards, which I mistakenly thought were one upgraded account. Despite always making timely payments to Ashley, I encountered an issue with a JC Penney payment that I mistakenly sent to my late husband's account, Gary R. Jones, Sr., who passed away on Oct. 10, [redacted]. Despite explaining the situation to the company while my husband was hospitalized, they still sent a check after his passing. I paid the outstanding balance and later found my credit limit drastically reduced. I feel Synchrony, the company overseeing these accounts, has been unsympathetic to my circumstances, especially considering my age of nearly 72 and the responsibility of raising my great grandsons since their birth. I am requesting for my accounts to be reinstated as these changes have negatively impacted my credit score, affecting my ability to purchase a new car and manage my other financial obligations to Ally Bank and Ocwen Banking.

I was attempting to inform Synchrony Bank about our travel plans to prevent any payment issues. The process proved to be challenging. Initially, I had to navigate through an automated system and provide unnecessary account details. When I finally spoke to "Zack" from the Philippines, he insisted on speaking with my wife, who was driving, before proceeding. Despite being in the U.S., he inquired about international travel. This inefficient interaction took 20 minutes, contrasting with my seamless experiences with other credit cards despite my high credit score. I found this frustrating, especially considering that Synchrony had requested this travel notification in the past due to previous declines while traveling.

Subject: Issue with EBATES VISA Regarding Unauthorized Charge I would like to address an unauthorized charge of $[redacted] from WISH.COM on my EBATES VISA Card ending in [redacted]. This charge appeared on November 5, [redacted], while I was traveling in South America and my card was secure in my vault. After disputing the charge, a new card ending in [redacted] was issued, and the amount was rightfully removed. However, on February 21, [redacted], the same $[redacted] charge reappeared on my new card ending in [redacted]. Despite explaining the situation to EBATES VISA and Synchrony Bank Fraud Department, I was given misleading information about the charge being legitimate. Even after providing evidence of my absence during the transaction, they insisted the order was placed from my address. Upon contacting WISH.COM, it was revealed that the order was canceled on the same day it was made, and the funds were credited to my account, confirming the dispute. Despite this, Synchrony Bank refuses to remove the charge. The lack of transparency and assistance from Synchrony Bank is deeply concerning, leading me to close my account due to the breach of trust. Disappointed Customer

[Redacted] Kenosha, WI [redacted] February 27, [redacted] To Whom It May Concern, I am writing concerning the late payments on my Synchrony Bank Care Credit account reported on my recent credit report from December [redacted] to March [redacted]. Due to unforeseen health issues and surgeries during that time, I regrettably missed payments. I took responsibility for the overdue payments in March [redacted] by fully settling my account, covering all late fees. I have noticed that these late payments are adversely affecting my credit score, the only negative marks present. I believe they do not accurately reflect my creditworthiness and commitment to meeting my financial obligations. I kindly request a goodwill adjustment to remove these specific late payments, as I fulfilled them soon after. Your assistance in this matter would greatly benefit my financial standing. Thank you for considering my appeal. Sincerely, Ann C. Weber

On 2/17/19, I requested a balance transfer of $[redacted].00 from my Barclay Card to my Paypal credit card. I later found out that my Paypal account had been deleted. After spending 4 hours on the phone with Paypal customer service on 3/1/19, they blocked my calls when I tried to resolve the issue. I contacted Barclay Card, and they attempted to retrieve the $[redacted].00 from Paypal. Paypal acknowledged having the money but refused to return it, stating they needed to investigate further. Despite admitting they had the funds, Paypal did not cooperate. Being a long-time customer, I am disappointed by this experience. As a senior on a fixed income, losing $[redacted].00 is significant to me. Dealing with Paypal's customer service has been the worst encounter I have ever had. I hope for a resolution soon.

I recently made a $[redacted] payment to Synchrony Bank for my Zulily account. However, Zulily is preventing me from placing an order due to a $4 outstanding balance. When I contacted Zulily, the representative was unhelpful and insisted that I pay the $4 separately with another credit card. I find this situation frustrating as I already paid $[redacted] towards my account. When I reached out to Synchrony Bank, their representative also said they couldn't do anything unless Zulily billed my account for the $4. I am disappointed by the lack of assistance from both companies and have decided to no longer be a customer of Zulily or Synchrony Bank. My name is Linda A. and you can reach me at [redacted] I hope this issue can be resolved promptly to prevent others from facing similar problems. Thank you for your attention to this matter.

I recently received a letter from Synchrony Bank in Orlando, Florida, requesting additional information to open a Walmart credit card. What concerns me is that I did not apply for any credit card. After checking my credit report, I discovered that someone had opened a Home Depot credit account in my name. I also noticed that there have been three credit inquiries from you in the last 10 days, which I did not initiate. The letter advises me to call 1-[redacted]. I am worried this might be a fraudulent number. How can I verify the legitimacy of this number and protect myself from potential identity theft? Thank you, Charles R. S. Jr.

I recently applied for a CareCredit card and was immediately approved for a root canal service. Unfortunately, my phone number is incorrect on the account, making it impossible for me to use the funds for the emergency treatment I need. The affected tooth is decaying rapidly, and I urgently require the root canal procedure. I find it frustrating that resolving this minor issue requires me to submit documentation via mail before any changes can be made. As a result, I am considering opening a new account, but this repeated application process is negatively impacting my credit score. I believe there should be a more streamlined process for correcting such errors, especially in urgent situations like this. I kindly request that the prior hard inquiries on my credit report be removed to alleviate this situation.

On March 14th, I received a letter from what appears to be Synchrony Bank regarding my Lowe's credit card. The letter requested additional information by February 25, [redacted], without which my credit request may not be considered further. When I called the provided number ([redacted]), the person who answered had a foreign accent and could not locate my account. They asked for my social security number, which I chose not to provide. The letter also included a web address, but upon checking it, my search engine flagged it as suspicious. Given that only Lowe's and Synchrony Bank should have details of my credit request, card issuer, and financing bank, I suspect a potential data breach affecting me and others. I urge Synchrony Bank to secure my information, investigate this incident, and communicate updates on the breach and action taken to prevent its recurrence.

Hello, I'm M.P., a card member with Synchrony and hold several accounts. Unfortunately, my home was burglarized, and my financial and personal items, including vital data on my laptop, were stolen. I have updated my phone number and email address but need help resetting access to my online accounts. Your assistance in this matter is greatly appreciated. Thank you for your prompt response. Updated personal information: - Miquel F. Perkins - Phone: [redacted] - Email: [redacted] - Date of Birth: 09/04/[redacted]