Synchrony Bank Customer Service Issues

In November [redacted], I missed a credit card payment. By August [redacted], the account had become 'delinquent,' and after settling the amount owed, I discovered delinquent items can legally remain on credit reports for up to 7 years. Experian informed me this negative entry should be removed by June 3, [redacted]. However, as I am in the process of buying a new home and need my credit score to reflect positively, this item is impacting my mortgage approval and interest rate. I recently engaged with an Experian representative who facilitated a conversation involving myself, Experian, and Synchrony Bank. Despite Experian's willingness to have the item removed, Synchrony Bank insisted on keeping it on my report, rejecting any goodwill gesture even though the information they held was inaccurate and required correction. Although Synchrony Bank's stance might be financially motivated, it seems to lack ethical considerations, especially as I hold multiple other Synchrony Bank credit cards in good standing. This experience has left me questioning their business practices and ethics.

I am seeking assistance with my denied credit application with CareCredit. Despite having a stable job for three years with an income exceeding $40,[redacted].00, I was previously approved for credit by Santander Credit over a year ago for my car. I have since improved my credit score, yet my recent application with CareCredit was declined. While researching, I found many approved reviews including some from individuals with worse credit than mine. I requested $[redacted].00 but am open to a lower amount. I am unable to find a customer service number to address the reason for my denial. I kindly ask for someone from CareCredit to reach out to me to discuss this matter. Thank you for your attention to this issue. Kathy B.

I received a certified letter regarding an overdue payment, which was surprising. I made a PayPal payment on February 21st as promised during my call to address discrepancies in my deposits and payments. However, I have to wait a year to correct it. I receive SS Disability on the 3rd Wednesday of each month, spanning from the 15th to the 24th, making tracking payments challenging. PayPal withheld my payments due to a negative balance in an account I never used, causing my January and February 21st payments to not be processed. After resolving the negative balance, I made a $60 payment on February 21st, but it was held by PayPal. I have paid $[redacted] between February and March and will catch up with my April payment on the 16th, although I will fall behind again in May. Please ensure this message is documented in my accounts.

I am Dan Burroughs, representing Rita G Morton, who has been in a nursing home since December 4, [redacted], due to dementia. Despite sending my power of attorney documentation three times via fax, I have not received any response. Rita's social security number is [redacted]-36-[redacted], and the last four digits of her account are [redacted]. Her address is [redacted] Parker St, Springfield, MA [redacted]. I have spoken with numerous representatives regarding this issue, but it has yet to be resolved. Rita does not have sufficient funds in her account to cover the full bill, with her son having only around $[redacted] remaining after other expenses. If this amount is acceptable, please send a confirmation email to me. Thank you.

I was charged upfront before receiving the full service. My current insurance, Humana Gold Plus, a Medicare Advantage Plan, covers 80% of dental charges. However, I was charged the entire amount in advance and it negatively impacted my credit report. I was initially happy, but then disappointed. I will be discussing this billing issue with my dentist to request a credit to resolve the situation.

I'm having trouble logging in. I spent over 38 minutes on the phone with tech support. They said they cleared my account for me to reset it. I followed their instructions, restarted my computer, but now I can't log into either of my two accounts or set them up as new ones like they suggested. I don't want to spend another 40 minutes on the phone with no solution. Thank you.

I purchased a high-end bed from Mattress Firm in Sierra Vista, AZ for my disabled wife. I live in MT and made the purchase over the phone. The bed cost approximately $8,[redacted] and was financed for 60 months with no interest. However, upon receiving a Synchrony credit card in the mail, I am concerned that the promotional terms have changed without my consent. The Terms & Conditions state that interest will be charged from the purchase date, which contradicts what I was told. I wish to address the following concerns: 1. Clarification on whether interest will be charged for the bed purchase as long as payments are made on time. 2. Confirmation that the credit card does not need to be activated if I choose not to use it. 3. Information on when and how to make the first payment if the account is already set up. 4. Guidance on resolving any potential misrepresentation and paying off the bed without incurring unexpected charges. Thank you, F. B.

Hello, Betty Becker here. I noticed a $13 charge on my Amazon card that I did not make. I spent two hours speaking with customer service from your end and Amazon. Amazon mentioned they addressed the charge over 10 days ago, and it should have reflected between the 20th and 24th. My policy is that this card should have no charges. They have reversed all unauthorized charges. I won't handle any payments for it as I didn't authorize any spending. This is your issue to resolve, not mine. Please update me when this is resolved. I prefer no further phone calls, and I urge you to resolve this promptly by contacting Amazon as previously suggested. My time was already wasted on this matter.

Dear Sir, I am Shaik Feroz, an ex-employee of Synchrony Financial from India. I worked at Synchrony Financial as a Senior Representative in Customer Service under a fixed contract from October 9, [redacted], to January 31, [redacted]. I am keen on rejoining Synchrony, but I have faced challenges with the HR team. Despite being initially told they couldn't rehire me, I was later asked to interview in April [redacted]. However, during the interview, I was made to wait until 10 pm without food, and the final round interviewer questioned my current salary of $[redacted],[redacted] per annum. Subsequently, she commented on being able to hire two employees for the same cost in India, which left me feeling insulted. I seek your assistance in addressing this matter and would greatly appreciate your help in facilitating my reemployment with Synchrony in Hyderabad, India. Kind Regards, Shaik Feroz

Regarding Amazon Credit Card with Synchrony Bank I believe this account was settled in August or September [redacted]. The last payment made with Synchrony Bank should confirm this. At that time, the account holder, included in this email, was assured the account was closed with no further contact necessary. A detailed transaction report was requested but never received. Recently, it came to light that the account was transferred to Midland Credit Management without notice. Unknown to us, the account remained open, accumulating charges and fees. The account holder was unaware of this balance as she believed the account was cleared and closed a year ago. Though she acknowledges responsibility for charges made, this continual accrual without her knowledge is unacceptable. I am committed to resolving this issue by ensuring the account holder pays any valid charges while stopping the cycle of unseen fees. If not resolved promptly and fairly, further action will be taken.

I bought a 50" Sceptre LED TV online from Walmart on August 11, [redacted], expecting a $30 discount. When I picked it up at the Quincy MA store, the discount wasn't applied, and my Walmart card wasn't approved, so I had to use my own card. Despite contacting Synchrony Bank numerous times, I never received a credit card or a denial letter. Instead, I got an email with a non-functional link and couldn't even reply as it stated "DO NOT REPLY." Each time I spoke with Synchrony Bank's customer service, I had to provide my SS#, which I found uncomfortable. It seems the $30 discount was a ploy to entice me to buy the TV. I've come across similar complaints about Synchrony Bank and Walmart collaborating on these schemes. This frustrating experience occurred while I was visiting doctors in Boston, and now that I'm back in Boston, I am adamant about getting a full refund for the TV, despite the 90-day period being over. The lack of communication and transparency from Synchrony Bank has left me feeling scammed and dissatisfied. Dennis K.

I am Pamela Chappell-Gregory, and my card number is [redacted]. Initially, I was asked to pay $63.00, but I've consistently paid $83.00. However, this month I paid $75.00. Despite this, the automated messages insist I owe $[redacted].00, causing distress and embarrassment. The phone system is unhelpful, disconnecting me multiple times, and when speaking with an agent, my concerns are dismissed as I'm repeatedly told to pay $[redacted].00. Additionally, encountering issues accessing the website adds to the frustration. While I value CareCredit, the escalating payments and accusations of non-payment are unwarranted. It feels like harassment, considering my efforts to meet payment obligations. The sudden increase from $63.00 to $[redacted].00 monthly requires clarification and resolution.

Today at Walmart, I tried to buy $53 of items but got declined, despite having $[redacted] credit. My bank penalized me twice for one-day lateness, linking it to my other accounts. I always pay on time, so why's this affecting my Walmart purchase? It feels unfair and discriminatory. I'm a responsible payer every month. This bank doesn't consider it.

I applied for a Lowe's credit card, but your bank declined it stating my credit score is [redacted]. According to credit reporting agencies, my score is actually [redacted]. I have been working diligently to improve my score since my divorce, where unexpected debts were left by my ex. I am currently working on paying off medical bills to improve my credit. My FICO score shows [redacted], not [redacted]. I would appreciate clarification on how you arrived at the [redacted] score, as this discrepancy is concerning. Thank you, Sandra McDonald.

I tried for over one hour and 23 minutes to make a $14.68 payment on my Belk credit card. Usually, this process only takes about five minutes. I am requesting the name and contact information of the person in charge of Belk's customer service department. It seems like they need some improvements. I would appreciate it if someone from Belk could email me that information. As a customer service supervisor myself, I know the importance of efficiency. If any of my staff were on a call over 15 minutes, I would address it promptly. If Belk's customer service department needs assistance, they can reach out to me at [redacted]. I am eager to speak with a supervisor or someone from management. Meanwhile, I intend to share my experience on social media platforms like Facebook and Instagram, which have over [redacted],[redacted] followers.

To whom it may concern, I am writing to address a recent purchase experience with your Asheville, NC store on Tunnel Rd. My wife and I, long-time customers, bought a sectional couch there. Despite having a Rooms To Go credit card and a history of timely payments, we were informed our account was closed - supposedly due to inactivity, which was new to us. We then had to open a new account. Unfortunately, the furniture arrived damaged, leading to a delayed replacement. After setting up auto-pay on the new account, we were surprised to receive a call stating the payment was not received. Upon investigation, we discovered auto-pay was set up on our supposedly closed "old" account, resulting in unnecessary credit inquiries, a credit score drop, and a late fee. This situation has left us feeling misled and compelled to consider legal action. I have already contacted the credit bureau but am now seeking a resolution from your end, either in the form of a credit back to our account for the purchased furniture or a discount on future purchases. The relevant account details are as follows: James/Lauren Tollise Accounts ending in: [redacted] "old", [redacted] "new" Address: [redacted] 26th St NE Hickory, NC Phone: [redacted] Purchase date: 3-30-19 Order #: [redacted]1 Store: [redacted] I am available for communication via phone or email. I appreciate your prompt attention to this matter. Thank you, James Tollise

I have noticed multiple old usernames and passwords linked to my Walmart account. Two of my earliest email addresses were hacked, and two credit accounts had fraudulent charges. After replacing all my credit cards, including the Walmart MasterCard, I believe the excessive information in my account is preventing me from setting up security features or alerts. To resolve this, I think removing all previous background data associated with my old and potentially current credit cards is necessary. Once done, I can register as a new customer with my new MasterCard and address this issue. I would appreciate any assistance you can provide in resolving this challenging situation. Best, Blake L. H. P.S. Two of my Gmail addresses, [redacted] & [redacted], were deleted after my ID was compromised.

My credit limit was mysteriously decreased from $3,[redacted] to $2,[redacted] without any explanation. I received a letter on 6/17/[redacted] stating my credit report was reviewed and resembled a credit application denial. I did not request any credit increase. I have lodged a complaint with the Better Business Bureau regarding this issue on 6/21/[redacted]. My wife urgently requires extensive dental work starting on 6/26/[redacted], and now we are faced with a shortage of funds for the treatment. Thank you for utilizing the Better Business Bureau's Online Complaint System. The case number assigned to my complaint is #[redacted]9. Correspondence related to this matter will be sent to: [redacted] I have documented this for reference. Complaint Date: June 21, [redacted] Complainant: S. Antonacci [redacted] 20th St. N Arlington, VA [redacted] Complaint against: Synchrony Issue: My Care Credit limit was abruptly lowered from $3,[redacted] to $2,[redacted] without valid reasoning despite my strong credit history. I learned about this from Synchrony representatives on 6/20 and 6/21, as I did not receive the alleged letter dated 6/17. They referred to it as a credit rejection letter due to certain negative factors, which I find questionable. I request the reinstatement of my original credit limit and correction of the credit report error from Synchrony. Desired Resolution: Restore my credit limit to $3,[redacted] and rectify the impact on my credit report, which dropped from [redacted] to [redacted]. This case will be assessed by a trade practice specialist at the BBB and then forwarded to Synchrony for their response. The business has 30 working days to address the complaint. You will receive an update once they respond. Steve Antonacci

I made a $90.00 payment on my account (account number 6[redacted] 2[redacted]) for Elner Vess on June 20. Despite calling multiple times explaining that I hadn't received any mail regarding my account number and needing to make a payment, I received no information. When I made the payment on June 20, I still hadn't received any billing details and had to call again to speak with your difficult-to-understand employees. I used my Mattress Warehouse purchase customer number ([redacted]49) as I hadn't activated the credit card, which I had destroyed. I am disappointed with the level of customer service I received. Each time I called, the staff seemed disinterested. I want to know where my $90.00 payment, which my bank confirmed it sent, is. I finally acquired a copy of the billing info only to realize I had already sent the payment. This situation has caused me unnecessary trouble. I have decided not to use any Synchrony Bank cards moving forward. I demand to be informed about the whereabouts of my $90.00 payment promptly. You can reach me via email at [redacted] since my iPhone is currently out of service.

I have always used my Care Credit with promotional equal payments. I just now realized the account ending in #[redacted] is due on 08/14/[redacted], and I was not given equal monthly payments. I have consistently paid on time for all my Synchrony bank accounts. This morning, I called and waited for half an hour for Supervisor Destiny to answer. Unfortunately, she was rude and unhelpful regarding my first-time issued Care Credit payments. I need help resolving this issue. I require divided equal payment installments as I have always used my card before. I am unable to make the full payment to avoid interest charges due to expenses related to the loss of my son. I hope you understand my situation and can assist me with this mistake made by my dentist's office. I will address this with them on Monday. I am making this request based on my payment history with Synchrony Bank. Thank you in advance for any assistance you can provide. Sincerely, Mayra M.