Synchrony Bank (Formerly GE Capital Retail Bank)

Opened a savings account in April/2014. I used a promotional code that gave me $50 for opening this account after 90 days and deposited $10,000. The bonus $50 was to be applied after 90 days of the account being opened. After 120 days the promotional $50 had still not been applied. I called and had to investigate why. It took a few phone calls and waiting a day, and finally my promotion was applied. I asked for $100 because of their error and was told NO, I could only get what was originally offered. I don't think a company of this magnitude should be making these types of "errors". I should not have followed up with them. Not happy.

I feel a little better reading the other reviews and seeing that this company is not honest and do not treat their loyal customers like they value them, instead just slapping them in the face and dumping them! I have two accounts JCPenney and Walmart in an attempt to build my credit with positive credit history. I have never paid late ever since I have had the credit cards and out of the blue they lowered my credit limit. I incidently made a purchase and they lowered my limit to a few dollars above my purchase which makes me look bad. This is a terrible look on my credit report. However, at this point, I don't expect them to care about their customers anymore. Once I pay the balances, I will just stop using the cards. I won't support a business that does not value its customers.

on one of my accounts, I was paying it off. I used the automated phone service. I gave all the information required to make the payment. after giving the bank routing number and bank account number, these numbers were read back to me to verify the information and then I was given a conformation number. later I received a letter stating my payment was past due. I called them to ask what happened. they would not listen to any thing I had to say they said it was my fault or the banks fault. I gave them the same bank information and paid off my account. they closed my account. now I have a negative remark on my credit report. I have been working to improve my credit report. thru credit counseling I closed three other accounts with synchrony. I missed a payment that I thought credit counseling had paid. when I realized the mistake I made the payment. synchrony reported these three accounts on my credit report as derogatory. this means that information will remain on my report for 7 to 10 years.my payment history has been excelent up to this point. this could effect me if I tried to make a major purchase. I asked them to remove it, but they would not. it 's almost like I am being punished for paying these accounts off.

I have a loan through synchrony bank and the Yamaha installment program. I just need to speak with someone about making some principal only payments in addition to my current payments.. All I am getting is machines that only provide one or two options and are very UNHELPFUL .. I would love to speak with a real person that could help me..!!!!!

Have been unable to speak with a real person. Electronic phone voice asks - " to speak to an agent , say agent", yet it will NOT let you do it. What gives ? Are they hiding something ? Bought tires 2 months ago and can't get a statement in the mail telling me when or how much is my monthly payment. Hope they are not dragging their feet to let time go by, then I'll be late with my 1st payment so they'll charge me a late fee. I know some people that have had that happen to them.

I have had the absolute worse experience with synchrony financial/carecredit. You HAVE to pay on the phone, and they have the WORST automated system I have ever experience in my life. 30 minutes on teo different occasions trying to just pay my bill. And then when I give up in frustration I get a $35 late fee tacked on for 1 day late bc I couldnt get the automated system to work! And the best part by far is that they want to charge you $10 to talk to a real person to pay! I cannot emphasize how strongly I recommend ANY other company than care credit and synchrony financial. Writing this literally makes my bloodpressure go up bc it is so insanely difficult dealing w this company - mainly bc there is absolutley nothing convenient about it, they want you to pay that late fee and they want it to be a pain in the [redacted].

When I set up an account with Synchrony Bank to buy furniture through Ashley Furniture I took a promo deal where the 1000 credit line was interest free for 2 years. I was told directly over the phone that as long as I didn't miss a payment that the account would be payed off in the 2 years and no interest would be tacked on. Well I am active duty military so my travels have limited me non accessible to internet or receiving bills directly several times. I set up auto billing so I didn't miss a payment and I even set in up to pay 10 dollars over the minimum. Well 2 months prior to paying it off I got dropped 600 dollars of differed interest because it wasn't payed by the promo expiration date and when I called to find out what happen here is what I was told "If you would've read your statements more carefully then you would've noticed a small section that talked about if you didn't not make X amount more than the minimum then it would not be payed off by the promo exp date, and there was nothing they could do" It sickens me that credit unions such as this one care so little about people that they would say anything to someone to take a deal and turn around and throw fine print where no one expects it.

I have had zero late or missed payments on the credit cards I have with this bank. I received a letter a few weeks ago that one of my cards with a $3300 limit was being reduced to $100 or whatever my current balance was. Just got another one today saying an account with zero balance has been closed. I had these cards to rebuild my credit and have been very diligent in paying them on tike or paying them off completely. Now my bureau is going to show a maxed out card and a card closed by the credit grantor. There should be no way that this bank can do this based on their "random review". They are negatively impacting my credit with no cause and should be liable for that action. If I can figure a way to sue them I will. Such BS. I am sure the other 2 cards I have from them will be cancelled soon as well adding further negative impact on my credit. Guess I better go run the balances up.

I used this card back in 2009 and was $115 away from paying it off to defer the interest. When I called them to process the final payment prior to the promotional period ending, they somehow were unable to process it. Here is is 2015 and I am still paying on this bill. I am not sure what happened in the interim but now my balance is over $800 with only $30.00 in interest? This balance was paid off years ago and if anything it was interest only!!! I am beyond livid and not one person has been able to assist me.

Like many other reviews - I had purchased a mattress with a promotion of 0% financing. The promo was not worth it - the customer service, the charges, the entire experience...use another card... use another bank... use cash... Never again with this bank.

No Honesty, They do whatever they want and hide behind form letters. No e-mails or phone calls will sway them.

My cards TJMaxx , walmart etc were changed to Synchrony Bank. Was not behind on payments never late and they lowered my accounts to balance owed. Unbelievable. I called and ask why and was told it was a across the board decrease. What does that mean. All the time I've paid on time and never went over now I'm worthless. They stink..
The economy is supposed to be moving forward how when you get your credit limit decreased what a joke.

I made a $11,000 payment to Chase Bank, my former Credit Card issuer, on 20 May 15. My Credit Card was moved to Synchrony Bank on 1 June along with my $10,850 May balance. Synchrony Bank has no record of my payment. Chase Bank has stated that my account is closed and they cannot reference any past transactions.
I have talked to Synchrony Banks phone center (poor English speaking workforce) and have received 2 different options. 1. They will receive a payment update from Chase within the next 2 weeks. 2. I need to contact Chase and get my money back.
I have asked numerous times to speak to a Synchrony Call Center manager but have been told none were available or that not to worry because the money will be located.
Chase told me to ask for Synchrony's Settlement Department. The Call Center said that they did not have a Settlement Dept.
I have sent Synch Bank a fax of my Bank's electronic transfer, as requested, and have been told that they are having trouble finding it.

This is the worst company I have ever dealt with. I have two credit cards that used this company to receive payments. With both cards I received a message from them, after the due date,stating "We have received a notification from your bank and are currently unable to process your electronic payment in the amount of $ 74.51. The payment was returned by your bank due to the account couldn't be located" This is the only company that can't seem to get the money from my bank. I wonder why. Every other bill I pay on line has no problem at all I am cancelling one credit card (I took it out to get a discount for Christmas and really didn't care for the store) and I may cancel this one. If the department store can't hire someone reliable then I don't need to do business with them. And the amounts due were small!!!! This used to be GE and I had trouble with them on an account so I also paid out and cancelled.

My Sam's Club card was hacked and the account is owned by Synchrony Bank. They have been impossible to deal with. They do not listen and keep telling me to do things I have already done to resolve the issue. They won't remove the charges as disputed from my account so I can use my card during the investigation. They have been rude and condescending on the phone. They won't send me a copy of the charges and now they have locked my online access to my Sam's account.

synchrony financial that is GE money bank is a joke I have a loane with them for more then 10 years trying to get away from them there intrest rates suck do not finance anything with them you will regret it and and up owe them more money then you finance for

II received my credit card fromwalmart in11/2 andIwant know the payment due and theminimummonthy payment calculationk

I recently took over financial affairs, as financial POA, for my 70 year old father who has been diagnosed with Alzheimer's. I was horrified to discover that my father has a "loan" through this company at nearly a 30% interest rate. On top of that, for each payment my father forgot to make due to his Alzheimer's, this company charged my father a $25.00 "late fee".
I called the company's 1-800 number and was connected with a "customer service rep" that could barely speak English. I inquired about my father's account and the business. The "customer service rep" did not know any details about the company, for example where they were based out of or where faxed correspondence would go to. The "customer service rep" did not even know if faxed correspondence would go somewhere inside the U.S.
When I questioned the "customer service rep" on the legitimacy of the business that he worked for, that he knew nothing about, conveniently he had to transfer me to a "supervisor". After ten minutes of waiting on hold I hung up the phone.
Very poor customer service. Questionable fraudulent activity.

Synchrony Bank took over Paypal's buyer credit. This credit was nice since it gave you added protection on Ebay and other sites.
Now that Synchrony has that side of Paypal, you can never pay your bill online, even though there is a link back to Synchrony bank. So you end up having to track a phone number to this bank.
You call the bank and they want an account number, which none of us every had as it was through our Paypal account.
If you can finally get to the right place to pay your bill, you have to fight for them not to charge you $15 for paying by phone even though their online interface has been down for 3 months now.
I forgot to mention you don't get a paper statement as this was all handled online by Paypal for years.
Currently I have read over 800 complaints posted online from people trying to pay their NOW Synchrony Paypal Buyer Credit Bill.
I am probably more upset as my hearing is bad, and trying to navigate through their phone system, and then hear the person on the other end is a nightmare.
I was going to contact the Attorney General of the state they are headquartered in, but can't lock them down to one state.

GE Capital Retail Bank has the worst customer service of any credit card company I have ever dealt with, but that is not why they deserve the worst review. I had a Toys R US credit card for over 13 years with a 300 dollar credit limit. Only used it around Christmas and occasional birthdays. Never once in 12 years was I late. When we moved into a new house in December, our statement was misplaced and caused me to be 4 days late. GE called me 8 times on a Sunday afternoon and was rude with me on the phone when I explained the check was in the mail. They then sent me a letter reducing my already pathetic little credit limit. I don't need the card I only used it for discount purposes at Toys R US, but I will never shop at that store again even though they are not GE, they should not use a company like that. No Wonder they are going bankrupt.