Synchrony Bank (Formerly GE Capital Retail Bank)

Synchrony Bank is the worst company that could ever exist, this is the third time that I make a payment and they are saying that they didn't receive it, and you know what they are doing? They are receiving the payment and sending it back to meEvery time they do that they are charging me $additional and ruining my credit and I am just tired of it! Hopefully I'm not going to be with this bank much longer and my recommendation to all of you that are reading this comment is to NEVER apply for a credit card with Synchrony Bank

My husband opened an *** credit account in mid DecemberWe called them in January because we had not yet received our card, nor a statementWe were told we would be being both promptlyWe didn't receive a statement until March 31, which was already days pay is due date, and also said we were three months delinquentWe called them to ask how we can just pay our bill onlineThey then said we would need our cardWe told them we still have not gotten a cardThe account number on the statement also did not match the account number our welcome email hadThey overturned the late fees, and said we'd get our card, and that the issue with the statements was resolved, we would be receiving them from then forwardWe called Synchrony May 1st, again because we have yet to receive a card, and also we had not received a statementMay my husband receives an email to register online, for bill payOnce again, the account number is different!
Predatory, convoluted billing

GE Capital Bank, now calling themselves Synchrony Bank, is one of the nastiest creditors out there I recently had to deal with a number of credit card companies due to a temporary job issue and GE Capital was the nastiest to deal with They called 2+ times each and every day starting the day after the payment was due and continued calling until the debt was paid When I told them they were calling too ofton, they said they will call times a day When calling, they would not identify who they were, but left "personal" messages They charged the maximum interest allowed by law on the account to the point that I could barely pay the interest Their "minimum payments" barely cover the interest and are designed to keep you in debt to them Their practices bordered on unlawful Other credit card companies offered to help plan payments and lower the interest so we could actually catch up and pay them off, but not GE Capital They wanted to keep us in debt and paying interest Sooooo glad when we were able to pay them off after taking out a loan on our house I will NEVER do business with GE Capital or any related banks again

I have a Phillips Account that is now serviced by Synchrony Bank I have been a Phillips customer for years Yesterday(July 22) I get my statement from Phillips with the due date of July
I pay my bills electronically, and do not even have a checkbook The statement says if my payment does not arrive on time, I will encounter a $late fee So I call the 8oo number listed and talk to a Synchrony Bank Customer Service Rep I asked: "Will I really encounter a $late fee if my payment is processed on July 23rd?" The rep responded "yes." I asked: "How can I be responsible for paying late if you don't get the bill to me on time?" The rep's reply: "That is between you and the post office."
The rep says we can do a pay by check over the phone, which does not work for me Then he says I can go online to pay my bill using a debit card; wrong! The online system only accepts pay by check
So I called back on the number, and a different customer service agent investigates She says that the problem was caused because Synchrony sent my July billing statement to the wrong address and it was returned Turns out they used my last address
Now this is fascinating, because my previous three statements all made it on time to my current address So, the fact is that the issue is not between me and my post office, the issue lies at Synchrony Bank because they sent the statement to the wrong address Yet when I reviewed this with the customer service agent, he still said I was on the hook for a late payment fee if I did not pay the bill over the phone
This is simply horrible customer service, and a failure of a business to act ethically and honorably Phillips is going to lose a year customer because Synchrony Bank has no concerns about its poor customer service

I as well as everyone else it seems have been trying to make a payment to GE Capital, for their Care Credit lineI am unable to log in online - telling me that my information can't be verified (that it's incorrect, when in fact it's not)They will allow you to pay on their automated phone system for free..if you have a checkWhich I don't, and never haveThen you have to wait 20+ minutes or more to get through to someone - that's IF you can get through the automated system which tries to send you in circlesThey tell you it is a $for an agent to process your payment, and then they hang up on you before you can get anything doneSo as of this moment, my payment is about weeks late because I can't get through anywhere to pay it! I will be paying this off and closing the accountThese people don't want honest business, they want lots of suckers to pay them tons of money

This company bills in "cycles" and uses these cycles to cheat money out of their customers For example, in the past months I have mady payments on my account I still got slapped with a late fee for November because they said the payment I made weeks before the due date wasn't within the "cycle" so it reflected on the previous months statement How is this legal? And this isn't the first time they have done this to me How the heck is the customer supposed to know what their "cycles" are? Cheating and stealing, simple as that

I have had a card with this company for about years and they are no help to you at allThey are just worried about scamming you out of your money and hitting you with an insane interest rate so that you have to make a payment of at least for the balance of your card to remain the same after making a paymentI have tried to contact customer service about possibly lowering the rate because I work a commission jobAnd their answer was "sorry ma'am I just can not help you" not even attempted to try or talk to someoneThis card has ruined my credit and I will be paying on this forever because the service rep that I spoke with insisted to me that I couldn't get a balance transfer with any company and that I was basically stuckWell if I didn't care about my credit I would just simply not give them any more of my moneyThis company is not professional and not customer friendly my suggestion would be for everyone to pay their balances and never look back and NEVER use this company for financing againBecause I know that that's what I will be doingAnd I know a review won't do anything because their customer service will do nothing to fix the issue but maybe this will help some poor souls who think about opening a line of credit with this company

Ripped-off, someone help me Got a loan for dentistry in 2012- 3, balance Then in went up to Talked to *** mgr said there was nothing she could do What are they doing, rip-off Why is the bank still in business Loan in Orlando, Florida Z***years old I had no idea the amount would go up How would I rate then a rip-off, that easy zero................is all they deserve I can understand rate amount change but over Help me if you can The banks think they can do any thing and get away with it Help me somebody, anybody God bless

I currently have account with what is now Synchrony BankThis is very frustrating because when I call to make a payment or discuss an account, their automated system usually gets the wrong account and then when I speak to a customer service rep (whom I can not understand most of the time) has a difficult time assisting me because of the language barriersSynchrony Bank also does not have programs to assist when someone looses their jobThey want a guaranteed payment arrangementThis is impossible to do when you try to explain that you are not guaranteed unemployment benefits

The interest is incredibly highMine is currently a little over 24% which buries me! I called them to try to settle for a lower rate, telling them that I was going through financial hardship, but they wouldn't settle for anythingIf you don't want to get buried in debt, avoid this company! Not only that, but they approved a credit limit that's equal to what my income is

Worst credit card I have ever owned! I originally got this card through HH Gregg to purchase a new televisionI was told that my payments were to going to be around $39/month and that I could change my payment date as my budget is very tightYeah, come to find out you can't change the payment dateAlso, they charged me a fee of $for being one day late with the payment! They would not waive the fee even though this is the first time I have been lateAlso, I put the payment to go through for the 16th and it came out on the 17thOh, but that is my fault! As soon as I pay off this credit cais getting cancelled!!!!! Who has ever heard of a credit company not changing the payment date! Also, on a side note the customer service representative should be called MrNo ServiceHe was about as pleasant as a root canal!

This is Saturday, Aug8, I tried to make a payment online...extremely confusingCalled customer service......had to hang up the first time after dealing with a gentleman who spoke heavily accented English...I just couldn't understand himI called back and was transferred to a lady who had the same type of heavily accented EnglishShe tried to walk me through on how to pay my account onlineEnded up hanging up because I was so frustrated in not being able to understand her EnglishWhen I get through pay this account off, which will be very soon, I will cancel this card and do not want to hear from this company againIt is the card/business from HELL! I'd rather deal with the IRS than Synchrony, that tells you have difficult dealing with customer service of this company is

If you want harassment, then this is the bank for you! We owed $- YES, twenty-five dollars We decided to wait until our next payday to pay the full amount OF $ BIG MISTAKE The phone started ringing, as early as 8:a.m No matter how many times you explain your situation to a customer service representative, (YES, we are sending a check for the full amount next week), they do not input your resonse into their system
I suggest this company change their policyto phone customers who are greatly negligent in paying their bills And calling several times a day? Is this really necessary? at 8:a.m.?

Stay away from Synchrony Bank
Synchrony Bank offered the best interest rate when I needed a loan so I chose themI did not realize they do not offer online bankingI have been sending checks in the mailRecently, one was lost, either in the mail or at their officeSynchrony bank called my house times, in eight hours, looking for paymentI was at work when the first few calls came in and had returned home to answer the 4thI could not believe they were repeatedly calling to collect, just two days after payment was dueI can't imagine what they would do if I lost my job and couldn't make a paymentIf their collections measures are that extreme when a payment is two days late, I can't imagine what it would be like if I was in serious financial troubleDon't do business with them if you have a choice

Synchrony bank is the worst! I have had trouble multiple times paying my bill over the phone and couldn't reset my password onlineI paid ONE day late and got a $feeThis month I called on the date the bill was due and waited on the phone for a half hour before deciding to hang upI paid the next day and got another $fee and now they say I have a minimum of $due when my minimum is usually $I haven't even called to ask about the fee since the last time I called they said it wasn't their mistake and wouldn't refund the fee EVEN WHRN THE HAVE PEOPLR ON HOLD FOR HOURS! I am so fed up with them I am goin to pay the whole card off and never use the Walmart card again!

I had purchased bedroom furniture with a yr promotion ending in Sept and then replaced living room furniture with a yr promotion ending in Oct At the time of purchase, I had been told my autopayments would be applied to the promotion ending first and knowing they were high enough to pay off that promotion, I had not checked my statements recently (stupid on my part but had been distracted by surgery my son had this fall)Imagine my shock last night when I discovered that I have been charged $in interest and in fact my payments hadn't been applied to this Oct promotion as I'd been toldI tried to call last night but they were already closed (they don't post their call center hours and it takes forever to negotiate the prompts to figure that out) I called Synchrony this morning to explain my issue and see if they could help me out due to the misunderstanding but I was told by two people that they could not do anythingNot even a willingness to negotiate a partial credit on the interestVery disappointed in their lack of customer serviceI've scraped together some savings to pay off that expired balance so no more interest accrues and as soon as I can pay off the rest, I will and then be done with them for goodThey have now lost a good long-term customer

Overpaid my account off Said they cannot send me the overpayment until the next billing cycle But they charged me when I was one day late on a payment

I had found out that an unauthorized person had opened two store credit cards in my name and the folks over at Synchrony Bank worked with me to shut down the fraudulent accounts
The young lady at Synchrony Bank was very professional and worked quickly to help me with this situation

I have a *** Platinum Card through this organization Thier customer service is horrible!! You can't even get to a representative until you waste at least minutes going through an automated server, which then makes you listen to account information you have not even requested, before even giving you the chance to push a button to request to speak to customer service MY TIME IS VALUABLE!!! Since when is a cusomer forced to waste thier time, with irrelevant information and process, to obtain service I'm seriously thinking of cancelling this card, just because of this experience!! Horrible!! Absolutely the worst I've experienced If there were another way to recieve shopping rewards, without using this darn thing (because in store is the only time it gets used), I'd cancell this tomorrow Your organization is horribly run and you have no idea about what constitutes customer service So much for six sigma!! EPIC FAIL!!!!!!

I just received a notification that my American Eagle card not only had my credit limit increased but they claim my spending increased by 97% It did not It only looks that way because they lowered my limit Thank to them doing that, my credit score was lowered I have worked very hard to get my credit up to where it is and they are screwing me I have had this account over two years and only got it because I buy my son's school clothes there If this is what they will do to a loyal customer, I don't need it I haven't even used my card since 2/26/ and it was a purchase under $because I did not have my debit card with me So imagine my surprise when it says my usage increased by 97% Thanks a lot for screwing up my credit and by the way, I am in the process of buying a home, so now I'm really screwed! I also have made two payments in the last months of over $(my minimum is around $45) and they are showing on the electronic summary that I only paid $but then if I click on payment history it shows the other two payments UNORGANIZED and RIDICULOUS!!!