Synchrony Bank (Formerly GE Capital Retail Bank)

I was surprised in reading this letter I received from Synchrony Bank, in Orlando. I had dental work done, about three years ago. "Our records indicate that your CARECREDIT/SYNCHRONY BANK account has been inactive for more then three years." Yes, I made a point of paying the bill off! Ok, it's been three years. I know, I believed I was being smart, keeping this CareCredit Credit Card for dental emergencies...being low-income. I have VERY good credit score, pay ALL my bills on time or early. I was appalled, yet laughed, in reading "We have closed your account due to prolonged inactivity.
This action has not resulted from your individual credit behavior. Your credit report will indicate Closed by Credit Grantor for this account." Why? Because you were not getting any money from me, not making any money off me, at this point in time?
I guess I insulted them, even though I was proud at not having to use them. It seems they are insulted, decided they didn't want to work with me since they were not collecting any money from me at this time. I know I will need it, teeth are showing wear, but I guess I will deal with that issue when it comes...may NOT be Synchrony Bank now. I guess I just have to use another credit card company who knows my worth!.

Recently I was informed that I was declined credit because of four delinquent reasons. First of all, I don't recall applying for anything and if I had I can't understand the denial. I have been given credit to buy furniture, borrow money and buy a car! Doesn't make any sense.

Phone voice menu is horrible; takes forever to get a customer service representative and then they connect you to/back to voice menu. When I go to their online site a warning pops up for invalid certificate on safari and not secure on Chrome. Paid over the phone and took a chance and paid online. Payments were processed but balance did not decrease. This is totally unacceptable for a bank. I'll never use a promotional offer through this bank again; I'd rather just pay more than put up with the hassle.

This Bank is the absolute worst to deal with. First they hit me with over $2000. In interest at one time. When I called I was told by a non English speaking person that I did not keep with the agreement to pay off the entire amount by March 2015. The loan amount was $5000 in December of 2014. I explained that no one informed me about the payoff time and that it was the Doctors office that contacted there bank. If I had know that the entire amount of $5000 would have to be paid in 3 months I never would have agreed to it. It took several months to be able to make payments on line, because month after month I would call because I was locked out of there site. There customer service has no entire of what they're doing and they either hang up of transfer your call. This month I was also to.d that my card was reported stolen in Febrary of 2014, I asked how then can a Doctor get approved for such a large amount 10 months later. They take advantage of sick and weak people, do not use them.

HAS NO ONE STARTED A CLASS ACTION SUIT AGAINST THESE IS????
I was a customer of QVC for decades then these pirates took over. Three payments in a row were all 'returned' - within the same 30 days. I used the same routing and account numbers I've used successfully there for years. I had verified in advance that my checking account did indeed have more than enough in it to clear the payment - each time. THEY SENT ME A LETTER CANCELLING THE ACCOUNT! That would be bad enough, but the same thing, same checking account, same verification happened with Belks. Now I find out that several other accounts I have are in the same cycle. Surely these stores will realize these fools are damaging their business.

I opened a line of credit to finance an elliptical workout machine from 2nd Wind. They sent me a credit card and account number with no mention of the exercise store, and I did not recognize it when I received it in the mail. I tried calling their customer service number to get more information, but no one could tell me anything about my account other than the date it was opened. I was also repeatedly disconnected and had to call back in multiple times. I ended up putting in a fraud claim and closing the account. Only after this was completed did someone tell me that it was related to my excercise equipment, so they opened another account for me. Since then, I have tried to call in and get information about my account, but every time I call, I get disconnected before I can talk to a person. The fact that my card did not come with a full description of the terms and conditions seems very shady to me, coupled with the fact that I get disconnected every time I call customer service.

As I read through these complaints, they match my own. I am recovering from a bankruptcy resulting from a divorce. I spent my 7 years waiting to rebuild my credit. I opened an account with GE Capital and things were looking up. I paid off my credit card and had a ZERO balance for months!!! Months! Then I got a letter in the mail that Synchrony closed my account due - of course - to my credit... well - dah!!!....I called for help and they told me I could reapply. Every credit application LOWERS my recovering credit score. This bank - quite frankly - sucks. In the complaints I read about the late fees even with timely payment. Yup. That happened to me too. But who was I to complain. I was in recovery. I did what I could and I did as I should.

Warn all your friends about opening any revolving credit with this company.

Oh, can we have GE back - please?

I received a letter from Synchrony Bank about a credit card they say I applied for, and the applicable interest rates. Since I had not applied for a credit card from Sam's Club or Synchrony, I wanted to report it to them as fraudulent.
The Synchrony Fraud Department representative kept stating incorrect information about the reported fraud, and I asked for a 'Supervisor'. The Supervisor, who's name was BJ (just initials), tried to confirm that the credit card application was not accurate and also left me unsatisfied as to any resolution that would take place. After hanging up with BJ the Supervisor, I received a phone call from the same person, BJ the Supervisor, indicating that she needed to verify my address so that the credit card being processed for me was sent to the right location. I advised her that I had just talked to her about the fraudulent credit card application. She was either part of the fraud/scam activity, or, she and the initial Fraud Department representative were not very competent.
After researching Synchrony Bank, formerly GE Capital Retail Bank, I found that more than two-thirds of all the 'reviews' about Synchrony were negative. And after my interaction with them, I was compelled to alert others to this fiasco.

I am in the process of paying down debt to improve my credit score. In doing so, I have paid off some of my store cards with Synchrony Bank. As each card was paid in full, Synchrony accepted my payment and then lowered my credit limits to embarrassing limits, in turn further damaging my credit. I am so disappointed in the way this company does business.

I called the customer service number (800-250-5411) and obtained a very poor connection to "[redacted]" in India. He kindly gave me the same number above saying that he could not help me. I called back and was connected with "[redacted]" in India. [redacted] also gave me the 800 number above. When I explained that if I called the number, it would be the third call and I would likely get the same result. She suggested that I call anyway. I asked to be transferred and was given to a woman in the US. This woman also could not help as I did not have a power of attorney for the deceased person I was calling about (POA not valid after death). Thankfully, she transferred me to the 4th person, also in the US who was very helpful.

Four months ago I tried to buy a sewing machine with my A+ rating on credit, which I had just paid off another sewing machine a few months before with GE Credit. All payments were on time, and no problems that I was aware of. The sales clerk called what is now known as Synchrony Bank and the woman on the other end of the line wanted to speak to me. She got very nasty with me, demanding what my income was without my husband's (of 40 years) income was. I began by telling her my social security. Then she got really nasty and told me I was breaking the law, before I had time to even finish my sentence, and wanted to talk to the sales clerk again. I do sewing for customers, and get payments. I also do a few other things, such as Web Designs. As the sales clerk pointed out to her this is a community property state. I have property in my name, yes even two cars! I'm not destitute, and far from it. Now, four months later, all of my credit cards are refused, and placed on "high risk" just because I am a married woman!! I have never been late with payments, and in fact pay off the bills myself. My husband came over to this incident while it was ongoing. We ended up getting the sewing machine credit through his credit rating and income. But now my credit is ruined through no fault of my own. I worked hard all of my life for this to come to nothing, and treated like a criminal. All the banks are the same, liars and crooks. I am more than mortified over what they have done to my life.

I just got a letter from Synchrony Bank telling me my email address is incorrect. The letter says the bank is unable to notify me regarding my QCARD bill. I don't what they're talking about. My email address is correct everywhere they listed and has been the same for years...By the way, called QVC customer service and was given a phone number for Synchrony Bank, guess what... the phone number is a temporary one and is no longer in service. What kind of bank is this???? Dumb Dumb Dumb

I have used GE Capitol Retail Bank for consumer financial accounts for several years. My experience has always been very positive. Several of my credit card accounts are funded and managed by GECRB and have been great to work with.

I am extremely annoyed with Synchrony Bank through PC Richards. Phone calls started about a month ago stating I was late on my payment. I was late because I couldn't access my bill on line. I informed the caller to please send me a paper copy and I'd happily update my account. I never received a paper copy, but multiple daily calls continued. When I answered the phone I had automated teller , I entered my zip code , it wasn't accepted. The line would drop. Extremely frustrated, this morning I waited for a person who could not deviate off his script, it was though you were talking to a robot! I also had a difficult time understanding what he was saying. I asked to speak to the manager and asked where they were calling from. The caller said, "INDIA" that to me is CRAZY! I paid entire bill and will try my best to NEVER have any dealings with SYNCHRONY BANK again!!!!!!!

Filled out application correctly. Furniture delivered to correct house. Received a Synchrony credit card at correct address. Never received a bill until I called them about no bill. It was then that they told me they had the wrong address. It sounds like a racket to make my payment late, and add a late fee.I beat the late fee by calling them, but it was only pure luck and curiosity that saved me. I will never deal with Synchrony again.

Misleading information, poor customer service, and rude representatives. They seem to go out of their way to make things confusing and difficult in hopes of creating penalty charges or interest penalties. Even though I have a temporary 0% interest line of credit I may pay it off by borrowing elsewhere simply because they are so difficult to deal with. The CS Supervisor interrupted me each time I spoke and kept telling me I was incorrect that I was having difficulties rather than listen to my difficulties. They have no complaints department or phone number which could be used to escalate problems. POOR SERVICE.

Worst Bank EVER. I have had several cards that were GE Capital for several years. Just recently I found out that Synchrony Bank is now the new bank. Mycredit cards, which I had for years, had the limit reduced because of making more than one payment. Not once in the history of the credit card did I never pay nor were I ever late on a payment. Then, just the other da Worst Bank EVER. My wife and I have had several cards that were GE Capital for several years. Just recently we found out that Synchrony Bank is now the owner of our accounts. We found this out by the letter sent to us from the bank. My wife's credit card, which she had for over 10 years, had the limit reduced several "fees" were added to the account all because ONE payment was only A DAY early. The bank credited the account on the previous bill and assumed we didn't pay the past month's bill. Not once in the history of the credit card did we never pay nor were we ever late on a payment. Then, just the other day, I get a letter in the mail from Synchrony Banky LOWERING the credit limit on my Lowe's account because I was using the card!!! I just recently purchased a house and along with purchasing a house comes repairs and such. I had paid off my Lowe's account but left it open for just this occasion. This is a horrible bank that does not care about customers. If you have this bank pay off your cards and never get credit from them!! y, I get a letter in the mail from Synchrony Bank Lowering the credit limit on my Amazon I had paid off my account but left it open for gifts or other purchases. This is a horrible bank that does not care about customers. If you have this bank pay off your cards and never get credit from them!!

I recently had the unpleasant experience of attempting to resolve an issue with Synchrony Bank with is affiliated with the Gap credit card. I previously had my email statements forwarded to my work email. However, I left my job last year on January 2015. I thought I had corrected the email address to my personal email. I finally received a paper statement with two late charges for total of $60 for a mere $27.15 purchase in November 2015. The CS agent agreed to remove only $35 late charge. I made the balance payment online. I checked the website to see if the payment information had been updated together with the removal of the late charge and NO CHANGE. This experience has proved that the credit card companies are racking up on exorbitant late charges and interest charges to increase their profits. I am not recommending this card to family or friends.

I have an account with Synchrony Bank that I opened with GE Capital before they switched. I paid every payment on time and usually paid more than the minimum and they lowered my credit limit. A few of my other credit cards gave me increases at the same time. I paid off my account and have not used it in a while. I would close the account if it wouldn't hurt my score.

Very difficult to get in contact with. Can't believe GE recommended them.