Synchrony Bank Customer Service Issues

Dear Sir/Madam, I am writing to bring to your attention that my wallet was stolen in April. Following this incident, I took the necessary steps to cancel my Care Credit credit card. Despite these actions, I have not received any bills, emails, or phone calls regarding the outstanding balance on my account. Upon contacting customer service, I was informed that my online account has been blocked, and I was assured that a bill would be sent to me. I am eager to settle any remaining dues on my credit card, as I am concerned about the impact on my credit score. Unfortunately, I have encountered difficulties in reaching a resolution, and I was unable to make a payment over the phone. I kindly request assistance in addressing this issue promptly so that I can make a payment and close this matter. Sincerely, Jeannie

Since July, I have been attempting to rectify an issue with my account. It is currently listed with the incorrect first name, Charles, instead of my actual name, Jacques Flores. Despite submitting my identity verification documents three times to the bank, they claim to have not received anything. Today alone, I have called three times and each time, I have been abruptly disconnected. This level of customer service is unprecedented in my experience with credit card companies. If this matter is not resolved within 7 days, I will escalate it by filing a formal complaint with the appropriate regulatory body. My account number is [redacted]. I have already provided my proof of identity on three separate occasions and do not wish to be asked to do so again.

On 9/18, I attempted to open a Gap card. The wait time was excessive! Another time, I tried to open a Steinmart account through Synchrony. Despite usually having no issues opening credit card accounts, my experience was frustrating. After providing all my details, the agent insisted on speaking with me personally, leading to a 20-minute delay. When asked for my cell phone number, I reached my limit. It's no surprise Gap is parting ways with Synchrony. My husband, a former GE executive, mentioned a decline in service quality post GE's bank sale. It's concerning to see the impact on my credit score due to the SYNCHRONY BANK inquiry, which caused a 6-point drop to [redacted]. I demand the removal of this credit search from my record promptly. Additionally, I seek assistance from someone fluent in English for clear communication. My contact number is [redacted], not my cell number.

Subject: Regarding Walmart Account Ending in [redacted] To Whom It May Concern, I have been a loyal customer of Walmart, using a Walmart Credit Card, and have always made timely payments. However, I was surprised to see a late fee of $27.00 on my bill dated 9/6/[redacted]. When I attempted to contact Customer Service, I faced challenges reaching a representative. The automated system mentioned that the fee would be waived, but I believe I should not have been charged at all, considering my consistent payment history. It is essential to me that my credit score accurately reflects my on-time payment record. I also have other accounts with Synchrony Bank, including BP, which adds to my concern. I would like the late fee to be removed immediately, instead of waiting for the next billing cycle for a statement credit. I typically pay my Walmart Credit Card online before or on the due date, in alignment with my responsible payment habits. I believe this situation is unjust and may not be my error, given my payment track record. Moreover, I understood that creditors usually allow a grace period before applying a late fee, typically more than one day. Could you please clarify this for future reference? Additionally, do you offer better rates for long-standing customers? I kindly request your prompt attention to this matter. Sincerely, Paula W. Whalen [redacted] W. Ocean View Avenue #3 Norfolk, VA [redacted]

Hello, I am Flora Perales. My account number is [redacted], ending in [redacted]. I recently received a statement indicating a closing date of [redacted]. It's now October 5, and I am confused by this. There seems to be a late fee, and I am interested in setting up automatic payments. However, I couldn't find a working phone number to contact you. I hope to hear from you in a few days. Please call me at your earliest convenience. Thank you.

I recently had my account closed due to multiple returned payments, something that could have been avoided if your customer service had informed me that payments can only be made from a checking account. After many frustrating calls to your customer service and my bank, I discovered this limitation. If this crucial information had been given to me during my initial calls, I wouldn't be reaching out to explain this situation. I believe this closure was a misunderstanding on your part. If you review my other synchrony bank credit cards, you'll notice my good standing with no late fees or missed payments. If you still believe the closure was my fault and not due to the lack of information from your representative, I find this unreasonable and will close my remaining accounts. I currently have a $[redacted] balance on my Care credit card, and once that's settled, I will close that, as well as my JC Penney and Wal-Mart accounts to protect my credit score. Thank you for your attention to this matter. - S. P.

I have consistently been overcharged for several months despite paying on time. My monthly fee is $[redacted], but I keep receiving emails weeks later saying a payment was overdue and being overcharged. Trying to avoid confrontation, I paid these unfair charges previously, but the problem persists. I contacted Synchrony Bank twice, enduring lengthy wait times, unhelpful customer service reps stating the obvious - that the payment was rejected. They can't explain why. On my most recent call, I was left on hold for a long time before getting disconnected. Even with screenshot proof of my timely payments, the bank won't refund me. If I don't get the service and answers I need, I'll have to make more calls. Please reach out so we can resolve this and reimburse me for last month's payment, which was once again made on time. -K. L.

I previously had a credit card with TJMaxx through Synchrony Bank. In [redacted], I fell behind on payments due to job loss during the recession and battling cancer. I've since paid off my debt and want another chance with a TJMaxx credit card. I love the store and am financially stable now. I request a credit limit of $[redacted] to $[redacted], or whatever you can offer. Please consider my application for a new card, as I am responsible and committed to making timely payments. Thank you for your time and consideration. -Chanelle L.

I previously had a credit card with TJMaxx through Synchrony Bank. In [redacted], I fell behind due to losing my job during the recession and battling an illness, but I have since paid off my debt. TJMaxx is a favorite retail store of mine, and I now have a stable job and improved budgeting skills. I am requesting a credit limit of $[redacted] to $[redacted] for a new card, but I am open to whatever you can offer. I believe everyone deserves a second chance, and I am asking for one from TJMaxx. Please consider my application and give me the opportunity to prove myself once again. Thank you for your time and consideration. Sincerely, Chanelle L.

As a holder of multiple credit cards from your bank, I seek advice on boosting our credit score and swiftly paying off these cards. Our credit was excellent until retirement. Our household includes 7 individuals: two adult children, three grandchildren, my husband, and myself. Reliant on Social Security Benefits, my husband works part-time driving for Uber, and I have resumed working to make ends meet. While we acknowledge our responsibility for this situation, we urgently require guidance. Is it possible to lower the APR or offer other assistance? Any suggestions are welcome as we now share one car among four working individuals and wish to secure our home from potential credit card debt threats. Your help is greatly appreciated. Thank you, R. Perales.

I am reaching out to share my recent experience. I'm Tracy Teller, and my account ends in [redacted]. I received a letter claiming my account was 2 months overdue, which was inaccurate. Upon contacting customer service, I was advised to speak with my bank and provide proof of the payments made. Following this, I discovered that the payments had been cashed by the bank but were not credited to my account. I spoke with Michael at extension [redacted], who acknowledged receiving the payments but attributed the issue to a principal hold, wrongly blaming my bank. I found the handling of this matter disheartening and frustrating, especially after spending a considerable amount of time between my bank and phone calls on a Friday. As a result, I plan to settle this loan and close all four credit cards I hold with your institution. Dissatisfied with the resolution process. Tracy Teller

I used my Discount Tire card ending in [redacted] to buy $[redacted] worth of tires on 3/18/18. I had set up automatic monthly payments from my bank for $[redacted], starting on the 23rd of each month for 6 months to pay off the balance before the promotional period ended. Unfortunately, my payments were arriving 1-2 days late each month due to a mistake on my part. I never received any notifications about the missed payments until after the promotional period ended on 10/15/18. As a long-standing customer of Synchrony with other accounts like the Amazon Store card and Care Credit in good standing, I am disappointed that Discount Tire Division has added late fees and interest charges to my balance. I am requesting a reconsideration of these charges.

In July [redacted], I bought a LaZboy sofa and added the extra warranty for bodily fluids. Unfortunately, in August, I had health complications and the sofa was stained. The service tech suggested a deep cleaning or replacement. Despite my efforts with Art Van managers, Safeco, who managed the warranty, only offered a cleaning for $[redacted]. After payment, the technician couldn't clean it, and Safeco refused a refund. Feeling frustrated, I reached out to the BBB. Since August, the sofa has been unused, and I believe I shouldn't be paying for a sofa that the warranty isn't covering.

I had a similar experience. After contacting to pay my balance, I later received a letter from Synchrony claiming I still owed $90. Zulily informed me it was for unpaid "Zulily charges." Recently, I attempted to purchase a dress on Zulily but inadvertently used the Zulily Synchrony card. I quickly cancelled the order, reordering with my debit card. Despite paying $5.95, Synchrony added late and interest charges, totaling $13.40. I complied to avoid higher fees. After disputing the charges, my current bill shows a balance of $5.95. This situation is frustrating, prompting me to contact NC Attorney General Josh Stein to investigate Zulily and Synchrony Bank's business practices.

I need help with my Amazon credit card issued by Synchrony. Despite paying more than the minimum, my balance isn't decreasing due to unauthorized charges for Amazon Digital, Kindle, and pantry services. I've been overcharged $22.97 monthly since May without using these services. Amazon's suggestion to change my password doesn't address the issue of unauthorized charges. I have yet to receive a response from them after reaching out. Any assistance with resolving these overcharges would be appreciated. Thank you. - Teresa B. from Bend, OR.

**Subject: Identity Theft Concern - Need Urgent Assistance** To whom it may concern in the Fraud Division at Synchrony Bank, I am writing to you regarding Transunion file #[redacted]08 and the last 4 digits of my SSN [redacted]. On approximately November 9th or 10th, I received a notification from Transunion about a credit check initiated by Synchrony Financial. This credit inquiry was not authorized by me and seems to be an attempt at identity theft. I spoke with a representative from Synchrony who mentioned that I would be receiving a letter, which would also act as a 'letter of deletion,' to be sent to Transunion to safeguard my credit score. Unfortunately, I do not have a reference or file number from Synchrony, only the information provided by Transunion showing the inquiry as SYNC-at home-DC. I have attached a copy of the police report receipt and a word document submitted to the police. Please provide me with an email address to send this crucial information at your earliest convenience. Thank you for your prompt attention to this matter. Sincerely, N.A. Fraser [redacted] Foreland Dr, Houston TX [redacted] [redacted]

Over the weekend, on Saturday, I contacted the customer service team to set up a payment plan. We agreed that I would make a partial payment on Dec 3, [redacted], when my Social Security check is deposited. The agent I spoke with was named Kayne. However, today I received another email from the bank which was disappointing as I thought everything was settled. I want to honor the agreement I made with Kayne. I want my effort to be acknowledged because making this payment is a significant step for me. I hope the bank can recognize the commitment I am showing. - Beth L.

In late October [redacted], I enrolled in the autopay program for my Mattress Firm order, setting up a monthly payment of $53. The initial payment was scheduled for 11/13/[redacted], but the bank deducted $[redacted] instead of the correct amount. After contacting the bank, I was assured that the $53 overcharge would be refunded by mail. Despite not receiving the refund yet, I reached out to a chat representative on 11/30. Dom Vincent informed me that the refund was initially sent on 11/15 but was not received, so it was resent on 11/26. However, I have not yet received the check. I have always been a reliable customer with this bank, and it's frustrating to face delays in receiving the money that is rightfully mine. Dom confirmed my address, so there should be no issues with the delivery of the check.

Two years ago, I bought furniture at Bratmart. Despite them being rotten and attempts at repair, they are now unusable. I have been making payments, and the total amount for the furniture has been paid off. I have two other accounts with your bank, which are up to date on payments. How can you charge me [redacted] pesos for the financing of these unusable furniture pieces, given my situation and history? Bratmart is aware of my visits to customer service. I kindly ask for a review of my case to maintain a good relationship with your bank. Preferred language is Spanish. Thank you.

I am facing repeated denials due to the absence of my credit history on any report, making it hard to access credit. This stems from a past issue where my mother misused my checkbook when I was seventeen, causing our family financial struggles. Despite my history of responsible bill payments, Syncb does not recognize this. I seek guidance on who to contact to establish a positive credit history, enabling me to move forward. I am committed to honoring all payments promptly and abiding by Syncb's terms. Your assistance in this matter would be greatly appreciated.