Synchrony Bank (Formerly GE Capital Retail Bank)

I have a store credit card and I called the bank to ask if they can postpone my payment for days due to negative balance in my accountThey simply told me no because they don't do thatI understand the reasoning behind itHowever, if you want to have happy customers you need to work with them tooI will not do business with Synchrony Bank

late payment and they closed my acctCSR's couldn't give me any information why I HAD several store cards thru synchrony, paid them off and closed them all after yrs with no issues (when they were GE had these accts) SYNCHRONY WILL JACK YOUR CREDIT SCORE IN A MINUTE! AVOID THEM LIKE THE PLAGUE!

I have had an account with Amazon for approximately mos and had paid it off months agoI had an account with JCPenny and paid it off about months ago Also had an American Eagle account and paid it off Since that time; about months Synchrony has closed all three of those accounts None of these accounts had ever been seriously past due They sent letters saying that my accounts were reviewed and as a result a decision was made to close the account citing one of the reasons my credit score was low as "number of inquiries was a factor in determining score." Well I haven't tried to open an account or get a loan, so they are the reason I had inquiries on my credit

THis is one of the worst banks to do business with I made a payment less then hrs late I went on line & did the live chat , what a joke, these people think we are a bunch of mns ( we are for dealing with them) I was able to get the late fee taken off, but it does not lower your monthly payment as they said they cant change in middle of billing cycle but the credit is already showing ( in middle of cyle) figure this out - but it wont be subtracted from the payment due? when this account is paid , I will never do business with this bank again,

I had an account with GE which changed to SynchronyI had never missed a payment and paid my balance in full each time I used my cardAfter a year and a half my account was closed because my credit did not meet their requirementsNOTHING HAD CHANGED IN MY CREDIT REPORTIn fact, my score was better when my account was closed than when it was openedBad businessWhen I called, they could not tell me why my account had been closedI will not work with Synchrony any more

[redacted] Card: The rewards on this card are fantastic - unfortunately, I have received numerous fraudulent charges with absolutely horrible customer service These are small amounts, in total over the last months there have been $1,000+ in charges from the SAME fraud perpetrator I tried three times to report the first set of charges: 1) Rep didn't report it to the fraud department, 2) Rep sent it to the fraud department but didn't take the charges off of my card AND the fraud department forgot to start the investigation and 3) FINALLY, a rep took the charges off and got the investigation going This is FIVE MONTHS LATER! A couple of weeks after the investigation another $500+ charge was made by the same people - I assume if this had been reported properly it wouldn't have happened They have sent me new cards and I haven't even activated the most recent card yet Still no results I called about this new charge twice, still no report to the fraud department and the charges are still sitting on my card Can't close this card fast enoughNote: This would not be specific to [redacted] - this is a Synchrony Bank card so I would be careful with any of their programs

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

The customer service was inept with this bankI had tried to figure available credit before Christmas and after 5-lengthy phone call was still unable to make heads or tails and the bank kept referring me back to the store, which has nothing to do with available credit

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 months As long as the account was paid in full in the twelve month period there would be no interestI received a statement from Synchrony Bank in the mail todayThe statement is demanding a payment by December 16, or there will be a late fee and an interest charge applied to the accountI called customer service and of course had to speak to someone in a foreign country They of course could not help meI asked to speak to a supervisorAfter minutes of being on hold (they thought I would hang up) a woman named Olivia picked up the callI explained to Olivia how the representative explained the terms of the agreement to me at signing That I was getting months no interest and no payments as long as the balance was paid in one yearOlivia then began to say how sorry she was that I was misleadOlivia refused to amend the agreementBecause 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 hoursSo I can expect a call around the hour markI 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 SynchronyVery dissatisfied

Issue up front: there is no grace period on payment dateIf 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 loanMy lack of analyzing the monthly bill I failed to notice their disclaimer of no grace periodI got one of those yearlong interest free credit offers to buy a sleep numbers bedThe 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 $- makes me wonder why they are charging me $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 would not recommend any cards through this bankThis bank closes and lowers account limits when you decide to pay them down or off In an attempt to improve my credit and purchase a home, I began paying off and paying down credit card balancesI owned an American Eagle card through this bank and made all payments on timeOnce I paid off the balance, I received a notice in the mail that my account had been closed due to my credit informationWell, I have been loyal and faithful with payments on my accounts, so why close them based on other credit informationAlso, I own an Amazon and Walmart card, which unfortunately this bank holdsI payed down my balance on my Amazon card as recommended by my lender to raise my scoreWell, they lowered my limit on the cardSo now, my credit report will show I am at the limit again I have made all my payments on time and how can one improve their credit, which is being used against you by this bank, if they use these kind of practicesI guess I will just sit and wait for them to continue to hurt my attempts to improve my credit to purchase a home as I pay down all accounts owned by them and they close them

Telephone harassment

Problem opening account I went through the online account application entering far more personal information than other online banks require The application failed and I was told to call the bank I called and they asked me more personal information but still could not open the accountThey promised to call me back, but they have not called for the past seven days I went back online and opened an account with AMEX savings That opened immediately as did another with ALLY bank Don't waste your time with Synchrony bank

I just found out today that there are charges on my account for Security Card Protection for the last monthsI did not authorize nor applied for this protectionI called the number on my statement and complainedThe nice lady on the phone told me that the protection is optionalSo if it's optional then why are they charging me for something that I did not authorize? She went ahead and cancel the Security Card Protection and told me that I will get credited for the charges I guess this should be a lesson for me to check my statement ALL THE TIMECheck for charges because this company can be sneaky and just add charges to your account without your knowledgeSo beware! --- Always check your statement

I had financed a mattress on a 0% interest promotion from GE Capital in The promo ended on Sep Due to the name change from GE Capital to Synchrony Bank the monthly e-mail statements were going into my spam folder and I missed the ending of the promo and was hit with a substantial deferred interest chargeSpoke to Josh at Synchrony Bank and explained the situation to him, and the fact that I had made every payment on time, and he was able to waive the deferred interest chargeI really appreciate the fact that they were willing to look at my situation and remedy it when they could have insisted on the paymentTHANKS SYNCHRONY!

Please make sure that you understand how payments are being allocated to a Lowes Consumer Credit Card I have a promotional balance that is to be paid in full in months I also have promotional balances that if paid in full by the end of the months will accrue no interest I have been paying in well in excess of the minumim payment due on the month balance, believing that the month payment was a fixed payment to be paid in full at the end of months Any payment above that minimum payment would be allocated to the other promotional balances That is not the case Most, if not all of the monthly payment was applied to the month balance leaving the month at 0% interest unpaid Synchrony applied my payment each month to a balance that had an interest rate of 5.9% and applied a nominal amount to the balance that if not paid in full by a certain time would charge 24.9% interest and add the accurred interest into the balance This sounds quite confusing and it is....just beware...make sure you know how each months payment is being applied! A fixed rate and payment is NOT how Synchrony works

Since the switch to Synchrony by my Banana Republic credit card, my card has been cancelled three separate times for "fraud." These were not actual instances of fraud, but purchases I tried to make Instead of contacting me like my primary bank does, they instead just cancelled my card so that I couldn't use it to make purchases No notifications, just a complete stop on my credit when I had thousands of dollars in credit available In the past month, they reported my card lost or stolen without my consent and shipped me a new card without telling me This card never arrived I didn't need this card because there had been no fraud on my account, but they decided to create a security situation all on their own Now my account has been entirely closed and I have been without a credit card for over a month I contacted the business today because I wanted to make Christmas purchases during the Black Friday sale to find out that there was nothing they could or would do They didn't so much as apologize I'm truly upset

I bought a set of tires on promotion recently and I received a payment plan, unfortunately with Synchrony BankAfter I submitted the first payment of $100, and all notifications and automated phone service robots lead me to believe that the payment had gone through, I was contentThen I got charged a $late feeAfter a frustrating phone call they waived the feeWhen I payed again, this time the full credit amount, everything seemed fineUntil today, when I received another late fee of $I received multiple letters in the mail telling me my new balance was $0.00, but come to find out that I still was not charged and hit with another late feeI called their crappy automated service and was put on hold for customer serviceI waited a half hour ON HOLD to be met by an automated message that told me their offices were closedNow that is just the last strawI, will never have anything to do with this company and neither will anyone I knowZERO CUSTOMER SERVICE! ZERO!

Multiple disputes since May 2015, allowed the dentist to fraudulently increase credit account line by $and then charge my account without my authorization or signature nearly $ Dentist presented fraudulent information and signature that was not mine Even though documents presented by dentist do no add up or their correspondence or charges make sense for a free consult and additional visit, they refuse to do the right thing by the consumer, allowing fraud to the consumer and my credit account

Each month I pay the bill in advance and in the beginning was paying over the amount that was due I noticed that each month I have been charged $or $for a late fee I contacted the Synchrony Bank/Sam's Personal Credit to inform them of this and I was told they would only give me credit for two late fees instead of all three This is not acceptable being that I have not been late I also noticed that they increased my credit without my approval This too is not acceptable