Synchrony Bank (Formerly GE Capital Retail Bank)

On Aug 17, 2016 Capital One mailed a check (Synchrony doesn't accept balance transfers via electronic transfer) to Synchrony. I hadn't seen a payment post to my Synchrony account by the 23rd so I contacted Capital One and realized that I had given the wrong PO Box number. I had given the number listed on the letter that the cards were attached to when sent to me. When I realized my mistake I called Synchrony to find out if the check would eventually "catch up" to my account provided the account number was listed correctly. The first person I spoke to was not fluent in English and did not understand my question. "If Capital One sent a check to the wrong PO Box would it still make it's way to my account?". My answer, "that is not a Synchrony Bank PO Box number", really? I am looking at it as we speak on the letter the cards are attached to." Him, "let me speak to my supervisor"..."my supervisor says that isn't a PO Box we use"...Me "can I speak to the supervisor"...I again explain that I had originally put the incorrect PO Box on the balance transfer and just this evening realized my mistake. My question is would the payment from Capital One "catch up" with my account? Supervisor (very slowly as if speaking to a child) "ma'am this is not Capital One, this is Synchrony"...Me "I know this is Synchrony, I said that it was a balance transfer check FROM Capital One"...eventually....supervisor "what PO Box did you use"...Me [redacted]...supervisor "that isn't a payment PO Box"...Me, "I know that now, but my question is will the payment eventually make it's way to the correct department?"...supervisor "I don't know, maybe you should contact the your bank and put a trace on the check"...It is not from my bank and I know that it hasn't been cashed and it was sent to box [redacted] on the 17th"...supervisor "that's the wrong PO Box number for payments"...Me "I know that now, but that doesn't change my question"...supervisor, "I can't guarantee anything, if it went to the wrong PO Box they won't even open it"...Me, "how would they know it went to the wrong PO Box if they don't open it"...supervisor "it will be sent back to you since you sent it to the wrong PO Box"...Me "you know what, I'll just close all of my accounts, this is ridiculous"...supervisor (raising his voice) "LOOK, YOU SENT IT TO THE WRONG PO BOX"...at this point I did use some bad language...Me "don't raise your voice to me just because you can't seem to understand my question and your company has stupid policies"...supervisor (speaking even louder) "I am not raising my voice"...Me..."just give me your name and operator/supervisor number"...supervisor, "Charlie"...Me, "that's it, Charlie"...charlie, " we don't give out last names for security reasons"...Me, "I didn't ask for your last name, am just supposed to say I spoke to Charlie? Don't you have an operator number" charlie "it's [redacted]"...Me and I want an address to complain about your customer service and you in particular"...After all of this I still have no idea what will happen to the check once it gets to the wrong PO Box, nor do I know why it is a situation that customer service finds impossible to answer"
I will be paying off my accounts as quickly as possible. It just sucks that I now have 5 different accounts with them that all started out as different companies. This is the first time I've had to deal with customer service on this particular account, suffice it to say that I am less than satisfied with the entire experience. If Charlie [redacted] is the best you have to offer as a supervisor, then I suggest you go back to the want adds.

I FIND IT BOTH INTERESTING AND HIGHLY DISGUSTING THAT I HAVE HAD (2) RECENT EXPEREINCES WITH SYNCHRONY BANK AND BOTH WERE NEGATIVE. BOTH TIMES (WITHIN 2 WEEKS OF EACH ATTEMPT) I WAS REFUSED VERIFICATION OF MY CREDIT ACCOUNT FOR THE SOLE PURPOSE OF PAYING ON MY ACCOUNT. THE SECOND TIME I CALLED WAS AFTER MY PAYMENT (4X'S THE MINIMUM) WAS REFUSED BECAUSE OF THE ACCOUNT #. I WAS TOLD THE ACCOUNT # WAS THE SAME AS MY CREDIT CARD AND THAT APPEARS NOT TO BE THE CASE. SINCE MY PAYMENT WAS RETURNED FOR LACK OF THE CORRECT ACCT. #, MY ATTEMPT WAS TO CALRIFY THE ACCOUNT # AND SEND THE PAYMENT. THEY REFUSED YET AGAIN. IN THIS TIME OF FRAUD AND NO-PAYMENT OF DEBT THERE IS NO REASONABLE EXPLANATION OF REFUSAL TO ASK KEY VERIFICATION QUESTIONS AND GET MY ACCOUNT CURRENT SO I CAN PAY THEM...NOW IT WILL BE NEXT WEEK BECAUSE OF THE WEEKEND. NEVER AGAIN WILL I DEAL WITH SUCH IS WHO KNOW NOTHING ABOUT CUSTOMER SERVICE.

I had a Lowes card that Synchrony Bank took over. Always paid on time and paid more than minimum. Since Synchrony Bank took over my limit has been dropped 2x each by $200.00. Dont know why my credit score has to do with my paying my bill on time. Went on line and closed account.

I had a BP gas card with Chase they sold to scnchrony. Started getting multiple phone calls during the day with a long drawn out message and telling me to call a number which I did. Got the same message and finally could get hold of customer service. Like speaking to the devil. Seems like Chase sent my May bill with the words Auto pay is on and the day for withdrawal from my checking account only they did not withdraw it although I certainly thought it was paid (I always pay the balance in full) well synchrony has not been nice about it even though it is their mistake and the chack is in the mail as I cannot get at their website, it ia like it does not exist. Finally the last straw they have shut off our ability to use our credit card. What a horrid company.

After reading all the negative reviews I don't have much else to add. This bank has very suspicious practices. Bills not showing up, lowering credit limits, outright lying on the letter they sent explaining their "decision" to lower my credit limit. Rude and condescending customer service. Listen to the advice here folks. If you don't have credit with them run for your life and be thankful. If you do have credit with them pay it off as quick as you can and get the "hey out of dodge." This company will mess up your credit for sure.

I have a loan threw them. Worse idea ever. I pay my payment a day early, then a week later they call me saying I never paved it. Tryed it again and they hit me up for late fees. So the third time they called the guy was rude and was asking where I kept my ATV at (why I got the loan) . so long story short I can't even make my first payment.

I as well have a cards with this bank. I always make sure my payments are made and even pay extra and they lower my credit limit because they say my credit score dropped. REALLY!!!! I believe it's time to pay them off and close my accounts. I can take my business elsewhere. Lowe's and JcPenney should really look into using different financial institutes.

Asked the same question to three new account reps and received three different answers. Sent an email to customer service and never received a reply.. Not the most professional group.

I had a good experience with the customer service after forgetting when my 48 months of no interest was up. I realized what happened two weeks after the interest was added on to my account. They just let me pay the rest off and removed the interest that was added. It was easy and just took a couple phone calls.

This is the worst bank I have ever been in business with. Not only do they hold funds for up to 21 days for payments, their customer service is poor. They cannot provide any real reason for holding funds but all to say, " It prevents fraud." Yeah, okay, I get that but for up to 21 days. They did not give me the option of not paying over the phone, I could have went in person and paid and the amount would have been taken out of my account immediately. They are seriously behind on digital technologies that would help them provide better, expedited services to their customers.

It looks like I am not the only one. Synchrony (GE Capital) must think a name change fixes things. It does not! I have had multiple cards with both company names and nothing has changed, specifically their web sites and user friendliness. They have a web site that seems to have the same tousles across all cards. Try to call tech support, forget it. they have to take your information and maybe get back to you. The last of my complaints is that they can't seem to get with the times and interface with Quicken. I just feel, as an IT guy and HSI installer, I have seen better run, more supportive companies run out of someones living room.

this morning my daughter who has a American Eagle card on my account went to the mall to buy some shorts from American Eagle. First she had to go get gas, when she ran the card, it didn't work. She thought it was the gas station so she tried anther, same thing. So she decided to go to the mall and do her shopping. No problem, she got her shorts at American Eagle and paid with her American Eagle credit card. Then she went to buy gas on the way home, card wouldn't work. she called me and I called customer service. Just today they mailed out new chip cards to us and their policy when they send out new cards is to cancel the old ones. Good news is our new cards would be here in 7-10 days. My daughter is sitting at a gas station needs gas and has one credit card that doesn't work because Synchrony cancels the old cards when they send out new ones. Sorry but how stupid. Amex and Chase also sent us new chip cards but they didn't cancel the old cards. Will be canceling the AE card!

I recently moved. I had a minimum balance due on TJMaxx card. I updated my address with TJMaxx. I told them on several occasions that I was not receiving statements to my current address. (I specifically do not sign up for online payments so I am able to track my bills.) My home does not have an address on the house but only on the curb, which causes many issues with my mail. Today I applied for a pre approval on a mortgage and put in an offer on a home. What do you know? Synchrony bank has been reporting me late for 150 days, KILLING my credit score, even though my card has a zero balance. I told them about the address issue (which was documented in their system) but they refused to open an invesigation with the credit bureaus. This is not my first address issue with Synchrony. They claim to have left me voicemails that I nerve received. How can I pay a bill when I don't know it exists? It's probably sitting in some random persons mailbox.

This is by far THE worst bank I have ever come into contact with!!!!!!!!! With an above average credit score I am being denied! I have read other comments from others with a score lower than mine. WOW.....,.A big disappointment. I will warn EVERYBODY about this bank!

Synchrony Bank has destroyed me, my credit score has dropped miserably and a downward spiral has begun in my life. At first, they sent wonderful letters alerting me that credit limit had increased on my "0 BALANCE " accounts (yes PAID OFF) accounts with Pepboys, CareCredit etc. Next, I received letters alerting me that my credit limit had "LOWERED" on these paid off accounts and then letters alerting me that the "0 BALANCE ACCOUNTS" were closed. Then the Bank started looking at my open accounts with AMAZON, etc and lowering the account limit. Amazon dropped from $1,500 to $500. It was a tiny balance anyway but the fact is the bank took actions against it. Why was it done? Synchrony Bank informed me that they do yearly credit checks and my credit score had dropped, therefore they took measures like, LOWERING MY ACCOUNT BALANCES, and then CLOSING THESE ACCOUNTS. These accounts were in good standing with Synchrony, But they took actions against me based on a 30 day late payment for an UNRELATED account that was not under their umbrella. Then my financial circumstances and job took a big hit. My vehicle blew a head gasket and with my PePBoys account closed, the repair bill quote was $1,760. I took on several part-time jobs. Everything started crashing. I was also trying to launch my freelance skills and I needed lenses and other tools to try to earn a living. Credit had dried up. But I still owed bills. Synchrony Bank didn't waste any time. I feel so desperate and dead. I don't know what to do. My credit began with GE Capital and was good. Then it became Synchrony Bank. I can't borrow a nickel at this point to keep myself from spiraling. Why would Synchrony Bank need to snoop into my credit and take action against me.

I was prompted to sign up for your credit card offer to save up to $50 on my first online purchase at Walmart.com. I was approved for $3500, but was not issued a temporary card number in order to complete my check out that day. The offer was only valid for the day of sign up. I called to speak to a representative and was told that I would need to wait for my physical card to arrive in the mail before I could use it to complete the online purchase. They also stated that a temporary card number could not be issued in order to redeem the offer that I signed up to get. Neither Synchrony Bank, nor Walmart were able to resolve this matter.

When my card arrived, I called and the representative said that the offer had expired. This offer was a TOTAL SCAM! The entire reason I signed up was to get the discount to save $50 on my purchase. Both Walmart and Synchrony Bank have both denied me the sign up discount. So I canceled the card and filed complaints about this issue on my credit report. I feel this was completely false advertising and nothing was done to remedy the matter. NOW, I'm stuck with this card on my credit report. I want it removed as you did not agree to your end of the deal!

This bank does not appreciate their customer's business. I as a customer purchased furniture through a furniture stores that banks with Synchrony. I've made all my payments via money orders because I do not like making payments online. On 2/24/2015 I purchased a money order in the amount of $841.92. I made out the money order and mailed out to this bank like I've done many times over. I get a call from the bank letting me know payment wasn't made. I was asked to submit proof via fax. I faxed proof of purchase and Western Union's photocopy of cashed money order. Clearly it was altered. Someone from the post office or Synchrony Bank opened the envelope of my payment and took it upon themselves to alter and cash the money order under their name. I've gone back and forth with Synchrony and not one person is willing to work with me to give me a straight answer and say they are investigating their dept. The ONLY phone calls I get from Synchrony are TO MAKE A PAYMENT. THE WORST BANK!

I made a payment on my Sam's Club Bill July 13 and once again July 27. My thought was the July 27th payment would be applied to August. My account statement fell on July 29th. Well I can handle that I am hit with a 35 dollar late fee even when that amount paid was 1/3 or my total balance, even though I do not necessarily agree with it.

The bigger issue is I thought I was canceling another account with Sam's Club when I actually canceled this account. I immediately contacted Sam's only to be transferred and kept on hold until other business away from the phone presented itself. I then called back 5 hours later at the end of my workday hoping to resolve this issue, but was told that because my account was delinquent there was no way to reinstate my account and that I would have to reapply for membership forfeiting any rewards accrued in that account. The rewards totaled 63 dollars, which would have covered any required payment on the account.

So now my options presented by Sam's Club/Sychrony are to pay off the balance and reapply or close my account for good. Either way forfeiting rewards from an online action that was made in error.

It is my opinion that there is not much oversight nor any information for consumer's of consequences on the online system whether decisions were made in error or intentionally. It has been a negative experience dealing with Sam's Club and with affect future interactions.

Care Credit closed my account without warning me first. The reason was inactivity. I'd have gladly made a charge to keep it open, had I been given the opportunity. But they did it without letting me know. When I called to get it re-opened, they won't. They say I have to reapply. As if closing my account didn't hurt my credit score enough, now I'm supposed to ding my credit again by reapplying? They quote that it's in the terms and conditions. I'm sure it is. And if they look at my account, it's been open for many years...not like I've had reason to read them in a while. I had MAJOR DENTAL work planned that now I have to cancel because of this unilateral action (I have been waiting a YEAR to repair a broken crown/was waiting on new FSA for the calendar year). Seriously...they couldn't send me an email? I'm on auto-pay and electronic statements; it wouldn't have cost them much to send an email. The service of their financing plans was very valuable to me for many years. I was lucky enough not to need their service for three years. Lucky me then. UNLUCKY ME now...no new crown...negative information on my credit report. A simple email or letter would have allowed me to respond. Now...I'll NEVER do business with them again. And I'll tell everyone I know and that will listen.

I received my Walmart credit card (Synchrony Bank) on 11/19 nd saw the due date was set to a very inconvenient day of the month; not finding any information on the possibility of having due date changed on their web site, I sent Customer Service the following email:

"10/19/15 7:09:39 PM EDT
Subject: Wal-Mart Credit Card Account Information
1) My account summary shows "Payment Due Date: 11/08/2015.
2) Being on fixed social security retirement, my monthly check is deposited every second Wednesday, which ranges from 8th through 14th on the calendar; current/future examples of my SS being direct deposited 10/14, 11/11,12/9, 1/13
3) Can due date be changed to the 14th of the month or is it permanently set for the 8th?
Thank you; [redacted]"

Synchrony Bank Customer Service replied:

"10/22/2015 03:26:51
Thank you for your recent inquiry regarding your Walmart® account, and the opportunity to be of service to you.We are happy to accommodate your request and have changed the due date on your account. Going forward your due date will be the 14th of each month. In addition, due dates can be changed once every 12 months. Estimated Cycle Date: 11/20/2015
Expected Due Date: 12/20/2015 We appreciate you as a valued Walmart® customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center.
Sincerely,
Manoj
Customer Service"

(10/23 As stated in their email mail due date was changed by today on account summary today; 1st purchase (canoe) made with card online.)

Excellent service from Synchrony to start!