Synchrony Bank (Formerly GE Capital Retail Bank)

I have been trying to resolve a billing issue with Synchrony Bank for several days. I have been told when I have funds available in my bank they will process my credit card payment. My funds have been available for 2 weeks! I am being told to wait two days. I find no excuse for it to take up to 11 days to process a credit card payment. Other business process payments within 3 days with the time frame I am being given it may be Monday or Tuesday till this payment processes. I have had nothing but negative experiences with this business. Due to this I will no longer be continuing business with them nor the retailers that they sponsor. I highly encourage others to avoid any credit cards or banking services that are processed through this business.

extremely unhappy with this bank. I had a RUS card with chase, paid on time every month for years, then synchrony bought the card and JACKED up the interest rate from 14.5% to 27%!! I called to talk about it - they were very unhelpful, abrupt and rude

Sorry but these guys are total garbage, dealing with their customer service department is like pulling teeth. Had a bill that was due the 16th did the pay online through their website and they charged a 35.00 late fee for the bill going on the 16th.

It's ridiculous how credit card companies can get away with things like this. Tried to get the 35.00 refunded, was told you should have made the payment on the 15th, also interest rate was raised also. Companies like this should not be able to get away with ripping off the customer base like they do. I Also had 2 accounts with GEMoney that were paid on time and paid off at the end of the month or at least half of it was that had a decent balance and whenever I paid it off credit balance they lowered my credit limit on those cards all around just hard to deal with and garbage, not really sure how they have such a high rating with so many complaints..

I'm a BP Chase customer who was told my account was being switched from Chase to Synchrony. As of mid-May, I've been unable to access information about my account online with Chase. I can't set up a new online account with Synchrony until I receive my new card, which I was told would be mailed around the end of May to mid-June. It's now June 27th and I still don't have my new card. Communication has been poor, and overall I would say that this transition has been terrible!

I purchased furniture at Ashley Furniture in Quakertown, PA in November 2016.The salesperson explained that the Promotional Terms I was signing up for was No Interest and No Payments for 12 months.

As long as the account was paid in full in the twelve month period there would be no interest. I received a statement from Synchrony Bank in the mail today. The statement is demanding a payment by December 16, 2016 or there will be a late fee and an interest charge applied to the account. I called customer service and of course had to speak to someone in a foreign country.

They of course could not help me. I asked to speak to a supervisor. After 25 minutes of being on hold (they thought I would hang up) a woman named Olivia picked up the call. I explained to Olivia how the representative explained the terms of the agreement to me at signing.

That I was getting 12 months no interest and no payments as long as the balance was paid in one year. Olivia then began to say how sorry she was that I was mislead. Olivia refused to amend the agreement. Because I called Synchrony Olivia's supervisor would not accept my call and that I would be put on a call back list.

Calls are usually returned within 72 hours. So I can expect a call around the 72 hour mark. I found that the terms as explained to me are not the same has what Synchrony claims.

I closed my account and will no longer do any business with Synchrony. Very dissatisfied.

Issue up front:
there is no grace period on payment date. If the US mail system gets it there a day late you get a late fee charge - expensive one at that - appears to me to be the way they do in fact collect $s vice interest on their loan. My lack of analyzing the monthly bill I failed to notice their disclaimer of no grace period.

Background:
I got one of those yearlong interest free credit offers to buy a sleep numbers bed. The bank that made that offer was GE Capital. Somewhere along the line it ended up with Synchrony Bank. I admit I did not pay close enough attention to the billing as the South Dakota case manager lady very smugly pointed out. Case manager was very comfortable with the fine print under their due date notice of late fee up to $35.00 - makes me wonder why they are charging me $53.00 given I am sending them far more each month than the minimum payment.

I did not end the conversation convinced that the mail gets checked each and every day and if it lays in someone's inbox for a day - bingo - customer gets the late fee

I have 2 credit cards backed by Synchrony Bank. I have had the same problem with both card when paying online. When I check the circle to pay off the last statement balance, it reverts back to the minimum payment choice. If you don't check very carefully before you submit, you are only paying the minimum and end up paying interest on the balance. They don't always send an email confirmation, so I was not aware of this until I received the next statement. Also, I paid one month and it was not posted at all, so I ended up paying a late fee as well as the interest. You have to really watch them and follow up on any online payments.

Worst, rude, useless customer service EVER. Called to inform not receiving my statements and did not receive my card. First representative (assuming not in US) would "hmm mm, hmm mm, hmm) after every word I said - so after the 4th time, I politely asked could you please stop saying "hmm mm" while I'm speaking and he continues to do so, I requested again as it is rude and he continues - I requested a supervisor who may understand English as a first language because it's clear either you do not or are purposely being rude. Get someone else and informed of not receiving mail and verified my address for at least the 7th time (no exaggeration) we went in circles about the address and still no resolve when I've been at the same address for over a decade and no other creditor/service I use have this issue. Pending the call back from a manager.

unfair credit practice they up your limit and lower it without any notice at all! I had payment scheduled for the min to come out every month when due.after a few months went by I went to the account to see how much I owed(i don't really check to often on auto pay accounts).so when I go to check what I owed I was shocked to find out I owed more now than I did before without missing any payment.low and behold they lowered my limit wich caused me to be over the limit and charged me 35 bucks a month.......................please folks stick with capital 1 cause the synchrony bank is a bunch of crooks!

I absolutely would tell everyone to close all accounts associated with this bank. I had a cc with Discount Tire paid it off in September, but wanted to keep it open for emergencies. They sent me a letter saying they closed the account due to derogatory credit, which is false I paid on time and paid it off. Couple months later I went to use my Sams club which was not near the balance and I could not because again without notice they took the credit limit down to what I had owed on it which, again causing my credit score to drop due to the fact that it showed the card maxed out. When I was realizing this was happening I contacted my credit union to get a card to pay off the Synchrony cards that I had. Low and behold the before the balance transfer went through they did the same thing to my Toys R Us credit card. Whenever I would call and ask what the problem was they said well we periodically check your credit report and your credit is not good enough. Mind you I have had the Discount Tire credit card and Sams Club card for about two years and always made more than the minimum or paid off the cards and paid on time. I would never recommend this bank because all they do is mess up your credit and make it look like you have maxed out everything.

Being a older woman in bad health I got a credit through PepBoys when I had a major breakdown on the highway. It was over $1400 and I thought it was being financed by PepBoys until I received a card with PepBoys name and Synchrony as the credit card bank.

I never attempted to contact them until the bill came through and it came in late inthe month and paid the minimum amount and all was fine the next month I had not received a bill from them and paid $50 which was a little less that what I paid the month but as there was no miniminum listed on line I really did not know how much to pay them and if they said it was too little I would send the additional amount and all would be fine. When thought that if it finally arrived I was wrong it was Synchrony telling me my account was past due and I would be charged a fee at no time did they tell me if you pay in Feburary before you get the bill then it counts as a payment for January and so you only paid us $18 of the bill for the month with the extra you sent in. So today I came in to find out by looking on the line if the bill had come through; it was still showing that I had not paid but $18 on my bill for Feburary even though I had spoken with someone who said that it would not charge a fee but they could not accept less than $44 for Feburary plus $68 for March. They have no intention of working with a customer.

I gave been given a loan from family to pay it and get out of $25 a month for late charge every month because if I send the the $68 that I owe them for March only then they will credit $44 of that to February and the balance to March and if I don't pay that by their date then I will get a service charge. It is insane and it is in complete disregard for their customer. I live on a very small SS payment and my money is carefully budgeted to the penny and they have taken my car issue and instead of helping me it has hurt me and I am angry.

I am sending a copy of this complaint to Symchrony Headquarters and to PepBoys Headquarters as well because I am nor sure they want this company representing themselves as Pep Boys credit. I can tell you that I am going to my personal bank that I have a very good relationship with and I am explaning this and will see if I can get a loan for enough to pay Synchrony in full and spread the word DO NOT UNDER ANY CIRCUMSTANCES DEAL WITH PEPBOYS CREDIT OR SYNCHRONY BANK. Synchrony is a evil company that is out there ripping off people who have to get credit in order to keep their car running and then the rip them off for every fee that they can think of or manufacture out of their sick minds. They even had the nerve to tell me, whose son has a business writing programming for 3D, that a computer does not work that way. It is not the computer it is the company behind them who do not have programming built to do what they want it to do. Their computers work perfectely to steal from their customers and it is programmed as they have requested. The computer decides nothing they are told in code what to do. Get this SUNCHRONY AND PEPBOY not all of the people in your ripoff list are stupid..some of us get it and I am one of them. YOUR COMPUTER DOES NOT SET POLICY YOU DO AND YOU HAVE SET IT TO STEAL FROM INNOCENT PEOPLE TRYING TO PAY THEIR BILLS ON TIME AND RIGHT.

THIS TIME YOU PICKED ON THE WRONG ONE AND I WILL FIGHT YOU TOOTH AND NAIL AND LAUGH WHEN WE GET ENOUGH INFORMATION OUT THERE TO TAKE YOU DOWN. A COMPUTER IS A MIGHTY VOICE AND YOU ARE GOING TO BE WELL KNOWN IN THIS COUNTRY.

When they were GE Capital, I paid my bill on time, too. Went to my mother's funeral, and made a payment before I left to go out of town. They credited my account with making 2 payments in the same month, and no payments the next month. The check was marked October and November, but they never looked at that. I cannot get it removed from my credit report. So, I paid the account off, and never applied with them again. I wanted the Care Credit card for some dental work. But, I decided it would be better to avoid having anything to do with this company. I wrote to the Attorney General for the State of Georgia, the Federal Trade Commission, the U.S. Currency and Exchange Commission that deals with banking issues. I wanted to sue them, and I could not afford the attorney fees. I looked on line for customers who have filed a class action lawsuit, and there are none. If anyone has any ideas on how to do this, I think we should get together and do it. With the U.S. Economy in the tank, and a less than perfect credit rating, I think it is outrageous for banks, credit card companies and these scammers to hurt individual credit just because they can. If I could do it, I would hide my money, and never use a bank. Our economy does not operate that way, but I wish it did. I would not hurt my feelings if this bank or credit card agency, or whatever scammers they are would shut down completely.

Although this bank provides credit for medical costs, it does not allow automatic reoccurring payments from a health savings account by debit card. You must call in monthly and speak.with a customer service rep. They only allow monthly reoccurring automatic payments from a checking account. Makes absolutely no sense.

DO NOT USE THIS COMPANY!!! They are horrible !!! I tell everyone I know. They will ruin your credit score and lower your limits without warning. Claiming they ran your report! Really no! In fact our scores went UP not Down and yet they lower it? Lies! Plus making payments on time, paying it off even ! Who does that to good clients ? I had a client who had a large limit and a high credit score. They lowered her 10,000 limit to 1000. When you do this your credit utilization is effected as well as your credit scores. I paid both my husbands and myselfs off. Never again!!!! I will stick to my [redacted] cards! Funny how they reply that someone will be in contact with you soon. Um how? Especially when that persons last name is merely an initial! Sorry but I work hard for my credit score and this is beyond rediculous. Like one girl said, ine day.late and they lowered her credit line. Good grief!

I had some expensive dental work that needed to be completed and I wanted to pay this off tax free using a pay flex card. I called the company before applying to ask if I could do this and if there would be any additional fees or issues and was told that this was no problem.
I quickly found out that the only way I could pay the care credit bill was to call in to customer service, wait about 10 minutes and make the payment. It was a hassle, but I dealt with this for several months as they always waived the $10 fee because there was no other way to pay.
However, this month, I called in to make my payment and was advised that the company could no longer afford to pay customer service for making payments and I would have to pay the $10. Not only that, but the $10 would be tacked onto my bill and possibly accrue interest until the full balance was paid off.
This is a company that charges almost 29% interest for any charges that are not paid off on time - so the excuse that they could no longer incur the cost of customer service was ludicrous!
This is an example of very predatory lending behavior and I am appalled that this is happening. I am fortunate to be able to pay off my balance or switch to another card but many people will be stuck trying to pay additional money because of corporate greed. When I went to submit a complaint I realized that this was rated as a one star business. Why is it getting an A plus rating.

I have a [redacted] Visa with Synchrony Bank. This may be the worst customer experience I have ever had. I have other credit cards and pay my bills fully each month. I have with the BR Visa for over 2 years. They have never been a good company but I liked BR. When they sent me a new card with a new number I had already paid my balance on my card with the old number reference. They called to tell me I was delinquent. They saw I had paid my balance but it was on the old card number. They did reverse all late charges but said it would be up to 10 days(!) before they would move the money. It has been over 2 weeks and they haven't moved it and keep calling me about a delinquency. Each time I talk to them they "see the notes" but pass me on to someone else who doesn't help. Their reps are not helpful and they do not try to help. Don't use this card it isn't worth it.

My account is constantly assessed fees. Late fees when payments are made ahead of time. Payment balance changed without notifications.

Almost impossible to find someone to talk to, and when I did she was difficult to understand and when I asked where she was located at she said the Phillipines I suspect she meant she was from there. I did inform the retailer who was actively promoting a store card with a discount that my card experience he promoted has moved them from alpha head of the pack to just behind the blind dog with three legs.

I have had a walmert card with this company for a little over 2 years went into there automated system for the first time to make a payment in Dec. 2015 and the computer made an error and did not give a confirmation and did not take the payment when I realized that the amount had not been taken from my account I called them (this was 3 days later) and explained the situation and they were supposed to credit my account of the late charges but they added it to the principal and raised the minimum amount due so the next month I got another late charge because I only payed the original minimum amount and the last charge's continue to come making my account delinquent they refuse to solve the problem saying that I need to pay the minimum amount which includes the late charge's that they have added and they continue to harass me with phone calls saying that my payments are past due after I have already payed them my original payment with out the late charges this is purly bad business and If they dont fix this mess I am going to have to file a complaint with Revdex.com and the attorney general's office and if It doesn't get fixed I am going to take this poor excuse for a bank to small claims court so that I can save my credit from being messed up also they are not customer friendly everyone that I have spoke to refuse to fix this at all. nothing they said they were going to do have they done I had no problem with this account before THERE computer system ERROR and they still treat me like I am the problem I feel like they're trying to mess up my credit and get more money out of me in the end this is a scam and I would never suggest that anyone ever get a Walmart card as long as they do business with this company

I have had a Gap Visa Credit card for nearly 9 years. The service was wonderful until Synchrony Bank took over the accounts. They have frozen my card 5 times in the last 2 weeks without the only explanation being that the card is being used a lot. I have not used this card any more now than I have in the past 9 years! I pay off my balance every month and have for the 9 years. And the freezes come at the most inconvenient, critical times. This card is no longer reliable and after I pay my balance in May I an canceling the card. I want to end my relationship with this bank as soon as possible. Maybe they don't want me as a customer anymore. The feeling is mutual, as I do not wish to be their customer anymore. Over and out.