Start Here Rates Deposit Rates. Once you enroll, we'll handle the rest. I have other credit cards as well and have always paid more than the minimum before the due date. I did google this bank and I found a list of companies they deal with. So I called the fraud department at Synchrony and their response was "Sorry we can't find any supporting documents but since your name is on it, it must be yours".
Give us a call using the number on the back of your card. All customers must complete a brief sign up process to access their existing account. Once you enroll, we'll handle the rest. New website, same account. Even though you're enrolling, your account number will not change. Account history will transfer. Payment settings will transfer. Your existing AutoPay information will carry over to the new website. Frequently Asked Questions Do I have to enroll?
What information do I need to provide? Is my social security number and other personal information secure? What if I'm a new customer or have never enrolled? Will I still have access to my account history? What happens to my existing preferences? What if I already have another Capital One product?
I am disappointed in these practices that they can just keep your money. I can just imagine how many other people they have scammed this way. I have been calling them to make payments over the phone the last few months and no one had mentioned to me that I did not cash in my reward check or that it was going to expire. At this point I will not be using that credit card and stick with my Visa! Purchased a new Mattress from a store that offered interest-free payments for two years. Called customer service and spoke to someone who called himself Alex.
Convinced him that, if anything, I was ahead on my payments, he agreed to remove the charge. For more information about reviews on ConsumerAffairs. After having around dollars put on the card I paid it off within a couple of months. Right after doing so they closed out my account with no notice. I have never missed a payment on any credit card and the card was not unused for a long period of time, when I called their customer service to dispute this they told me they didn't have the information why it was closed and I should receive a letter soon.
To be honest one of the worst experiences ever and unfortunately I have a few more cards through them. I got a Synchrony Card a few months ago. I have paid on time and paid over the amount due. Synchrony mailed me a letter telling me after reviewing my credit, they have decided to lower my limit. This wouldn't be big deal but this made my credit score drop. Also what are they doing checking my credit without my permission!
I recently bought a new car so my credit score had dropped a little so I guess that gave them a reason in their eyes. I had a large credit limit so now that they lowered my credit score, It shows I have a much higher debt versus credit ratio. If there is a class action lawsuit, count me in! I paid my last bill on time through my bank online pay. Because there was a national holiday on Monday, the due date, payment didn't actually hit their system until the 5th.
When I attempted to reach someone at customer service, the voicemail system took me through about 10 press this number, press that number, then put me on hold for ages before I got to a representative. Though she was very nice, she could not help remove the extra charges. I tried to reach corporate office of TJ Maxx, and wound up getting tossed into the eternal voicemail hell again.
Needless to say, this card is going into the shredder. I purchased an item at Sam Ash and was given financing through Synchrony Bank. I decided to buy with Sam Ash because they told me that I would receive a They stipulated that I had to submit a form, with a copy of the receipt, postmarked by July 31, I called the number displayed on my Sam Ash card and I spent over an hour being transferred from one department to another - from one person to another. I finally got frustrated and called customer service and asked that I close my account, that I will continue to pay it off.
It was explained to me that if I closed the account I would have to pay in full or I would be charged interest fees. In the end, although I did everything right, they made sure that I would not receive what they promised. I've never dealt with such a sleazy company in my life.
Great service, never an issue! They charged a late fee first time, my fault, they removed the charge. Second time, my fault, oh well. Then I started paying early and way over the minimum amount. The window they leave to not charge you is so small you need to set an alarm and pay right when it goes off or you will be charged a late fee!
They have the most convoluted accounting system. You have been warned! I had the Synchrony Amazon Prime Store card for 8 years 9 month. Bought hundreds, if not thousands of dollars of merchandise during those years on the card. Card was paid in full. I get an email from several sources that my credit account report shows a card was closed. When I investigated, found it was the Amazon Card. Closed on September No call, no discussion, just canceled my card after being with them for over 8 years.
So I call in hoping to talk to someone and work this out. It was an honest mistake or shall I say oversight on my part. There was no one that would listen to my story. They didn't want to hear my story. I talked to 1 customer service rep and 2 different managers. My card is paid in full, I have no late payments prior to this one purchase, and there is no discussion? No review of my account to verify that until this event, I AM an on-time payer. To perform a review and consider reinstating my account.
Needless to say, they don't care! I understand why the card was canceled, what I can't understand is why not one person and I talked to 3 , was not willing to review my account. They would see that I have a proven path for on-time payments prior to this event, and this was not a pattern of late paying.
Needless to say, I closed all my accounts with this company, and this is the first review I have ever written against a company. I felt I needed warn others away from this company. Lack of customer care! Later on they call to let you know that you are late, you explain that you made the payment over the phone and they tell you little tricks that you did or didn't do right.
No matter what is a scam to get your additional fees all the time. I have four cards with Synchrony Financial and paid off each account early. This experience with Synchrony Financial has been, and continues to be, an absolute nightmare.
Without going into the history of the concern, suffice it to say that the issue has reached the point of my having to engage an attorney to act on my behalf, both with Synchrony and with the fraudulent merchant.
My attorney and I have sent FOUR affidavits of representation to Synchrony Corporate, at the address and FAX number they specified, in order for them to deal directly with the attorney. If this weren't happening every time, and were the issue not so financially devastating for me, it would almost be comical, but as it occurs, it is poisonously criminal! My attorney assures me that this is typical of large corporations dodging their customers when they have played fast and loose with the law, but as a simple consumer, it is heartbreaking.
I am not exaggerating because I am, in fact, losing my home due to this situation. I receive form letters from Synchrony thanking me for my inquiry, but yada yada yada, and telling me to call if I have any questions.
However, when I call, I can only think that my phone number is flagged and I am routed to the "hitmen" in customer service who simply parrot the denials of having any record of attorney representation. I never thought that people could do this. We are living in a terrible time to be a consumer, or to be elderly.
I hate what we have become in this country. I was going to purchase a block and tackle from Walmart online. When I got to the check out screen I was prompted to apply for a Synchrony Bank CC for which I would receive a cash discount at payment. After filling out the application completely a popup informed me it could not be processed "at that time". The letter that arrived a week later stated that after reviewing my name, my address, my telephone number, my Social Security number, and my credit report they could not verify I was who I said I was.
I am not sure who they think I am, but I closely monitor all my credit and financial accounts and see no indication of identity theft that would trigger this action. I do see however many, many reports of unethical business practices by Synchrony, including but not limited to drastic cuts in credit limit as soon as a customer gets it paid down so as to artificially keep the customer debt to credit ratio high.
I see they will close accounts that are paid off and not used for even a few months. I did not need this credit, I just thought I would take advantage of an advertised cash incentive in a purchase I would have made anyway.
I am happy I did not get extended any account from this obviously very flawed "bank" business. So I called customer service, and asked, "What influences your credit limit going up or down," and the guy was so well spoken and intelligent and knowledgeable about the subject, I learned a lot!!!
Like whether you're buying jewelry versus just food can make a difference to your credit limit, whether you take out a mortgage or maybe just apply for one or like it sounded like he was getting at like what other things can change your assets or spending money. And I am not sure what's going to happen to my credit limit, because I was offered this card after making a big purchase just through PayPal credit, but I've only been using the MasterCard to buy food So I hope and pray my years of working hard to build good credit will not be destroyed, because I depend on my good credit for replacing my air conditioner any year now, and replacing my laptop and a year now.
But she does carry a small balance, and she does make more material and larger purchases more often than me!!! Anyway just because I deserve it because of my hard work and because I'll have a good quality of life if my credit limit doesn't go down, I hope and pray that it won't go down just because of some companies greed So let's all reply to our comments or make new reviews or something just saying exactly what might have influenced your credit line going up or down, and then we can know what to expect more accurately from Synchrony Bank???
Once they took over my account from Lowe's they claimed I had asked for paperless invoices since I had always received paper invoices from Lowe's prior card provider. Got a late charge notification at my email, but never received any invoice paper or paperless invoice. I checked that account. Avoid these bankcard scammers!! I have two cards from them, a Walmart and an eBay credit card. I've had these accounts since Now being only one payment behind, threatening a lawsuit.
This company is garbage with poor customer service. They need to do a much better job in working with their customers taking into consideration we go through hard times from time to time. Synchrony bank just lowered my credit limits on 3 of my cards? They never advised me. This is a bully tactic and completely unfair! I kept my promise and paid timely I see hundreds of complaints about them and yet nothing is done!
They are misleading the credit agencies and making good people appear negative when in fact they were not! Credit is earned and so long as you're meeting your obligation Going through a credit settlement plan for certain credit cards, We only kept limited credit card accounts open for emergencies. We only kept certain cards open for emergencies.
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