Synchrony Financial Complaints

Synchrony Financial consumers have reported over 1,560 official complaints. Out of the 1,560 consumer complaints against Synchrony Financial, 12% were disputed by the consumer (i.e. the consumer was not happy with how Synchrony Financial responded to their complaint) and 100% were processed in a timely manner. 26% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 16% resulted in non-monetary compensation.

Issue
Billing disputes
Other
Identity theft / Fraud / Embezzlement
Closing/Cancelling account
Late fee
Customer service / Customer relations
Managing the loan or lease
Payoff process
Delinquent account
Account opening, closing, or management
Communication tactics
Credit line increase/decrease
APR or interest rate
Credit card protection / Debt protection
Transaction issue
Billing statement
Cont'd attempts collect debt not owed
Credit determination
Unsolicited issuance of credit card
Disclosure verification of debt
Making/receiving payments, sending money
Incorrect information on credit report
Other fee
Advertising and marketing
Problems when you are unable to pay
Rewards
Improper contact or sharing of info
False statements or representation
Taking out the loan or lease
Taking/threatening an illegal action
Sale of account
Forbearance / Workout plans
Balance transfer
Privacy
Shopping for a loan or lease
Application processing delay
Cash advance
Arbitration
Credit reporting company's investigation
Improper use of my credit report
Deposits and withdrawals
Bankruptcy
Credit monitoring or identity protection
Problems caused by my funds being low
Managing, opening, or closing account
Using a debit or ATM card
Charged fees or interest I didn't expect
Fees
Other transaction issues
Overlimit fee
Managing the line of credit
Loan servicing, payments, escrow account

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New Synchrony Financial Consumer Complaints


SYNCHRONY FINANCIAL Debt collection communication tactics frequent or repeated calls

December 24, 2017 - Back in 2015, I was taken advantage of emotionally when my dog suffered a - -. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to - - as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from - to - ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( $750.00 ) months worth of minim...

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SYNCHRONY FINANCIAL Debt collection attempts to collect debt not owed debt is not yours

December 6, 2017 - Asked for Validation Letter not Verification. Never received validation that this debt belongs to me....

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SYNCHRONY FINANCIAL Debt collection attempts to collect debt not owed debt is not yours

July 15, 2017 - Synchrony Financial otherwise known as Synchrony Bank started sending me text notifications in -/-/- regarding a debt for a Wal Mart credit account. I called them up and informed them that I am not the owner of the account, that being a gentleman named - - .

The customer service agent informed me that I would no longer receive text messages from them. Unfortunately, this was not the case. I continue to receive text messages from them regarding this debt. I have called 10-15 times regarding this and each time, I am informed that this should stop happening. The latest text ...

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Synchrony Financial Credit card delinquent account

April 12, 2017 - I missed a few payments due to being out of work from -. Synchrony Bank was calling me and leaving messages saying they needed to contact my attorney and would be arresting me if me or my attorney did not contact them by the end of that day. This went on for weeks until I was able to pay them....

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Synchrony Financial Credit card identity theft / fraud / embezzlement

April 11, 2017 - A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card....

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Synchrony Financial Credit card other

April 11, 2017 - - CT - VA - Amazon Prime Store Card - Synchrony Bank Will not report my good payment history to - credit reporting agencies it had been over six months and they still have not re ported my payment history or my correct balance -, FL -...

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Synchrony Financial Bank account or service account opening, closing, or management

April 10, 2017 - - in -, MD. - sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, -. Last month, this - filed a fraud claim ( worth $8100.00 ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the -. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the $8100.00. - I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfort...

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Synchrony Financial Credit reporting incorrect information on credit report information is not mine

April 8, 2017 - I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT - AND SYNCHRONY FINANCIAL LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES....

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Synchrony Financial Credit card late fee

April 8, 2017 - I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bil...

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Synchrony Financial Credit card billing disputes

April 7, 2017 - I obtained a credit card with Synchrony Bank to obtain a 18 month no-finance account to pay for flooring and install service from -. We had just purchased the home so it was empty for the flooring to be installed. - charged my Synchrony account on -/-/2016 for $6000.00. - - started install on -/-/2016. My wife and I attempted several times to get - - management to come to the home as the install did not look correct to us. My wife sent pictures to - - and -, the flooring manufacturer. - admitted the flooring is defective via pictures. - - continued ins...

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Synchrony Financial Credit card credit line increase/decrease

April 7, 2017 - In -/-/2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. I 've been paying everything down as best I can ever since and have never been late on a payment. But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. This makes it look like I continue to have high balances on my accou...

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Synchrony Financial Credit card apr or interest rate

April 7, 2017 - I had a verbal agreement with -/Synchrony Bank to close the account and pay $50.00 a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of $290.00 which I made for - -....

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Synchrony Financial Credit card billing disputes

April 6, 2017 - On -/-/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for $2500.00 line of credit. My sales representative - let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was $250.00. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. On today -/-/2017, I registered my ...

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Synchrony Financial Credit card billing disputes

April 6, 2017 - I recently received my credit statement showing a minimum payment of $250.00. Because I can not afford to pay the full amount, there is a monthly fee of $37.00. In the terms and conditions, the credit card stated there was a minimum payment of $25.00 This amount is abusive and the original balance has quadruple within a year 's period....

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Synchrony Financial Credit card billing disputes

April 6, 2017 - I enrolled in monthly minimum amount due recurring payments some time ago with my WalMart Credit card. Up until just recently, those payments were drafted correctly from my account. today -/-/2017 when I logged into my bank account I notice Walmart had taken over $410.00 from my bank account which they were not authorized to do. my monthly minimum payments are $25.00 which was the amount they were authorized to debit my bank account....

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Synchrony Financial Credit reporting incorrect information on credit report account status

April 6, 2017 - Telephones Synchrony Bank to Payoff my Account with a Representative -/-/2017. They were given the Account Number including my check routing # to Representative however when Representative processed these 2 payments, it came back to Synchrony Unable to Process. I learned of this being Posted to All - Credit Bureaus, Seeing the Account in Closed Accounts area with the Remarks " Account closed by Credit Grantor ''. I immediately telephoned on -/-/2017 to Discuss the Problem about my Account being closed. At this time I was informed about the Two Payments did n't Process. I inquired why ...

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Synchrony Financial Credit card apr or interest rate

April 5, 2017 - I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for $8100.00 and I had paid it down to $3200.00. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office....

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Synchrony Financial Credit card unsolicited issuance of credit card

April 5, 2017 - On -/-/2017 I visited - - at - - -, -, CA -. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a $5000.00 line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( $390.00 ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of $5000.00 that can be used...

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Synchrony Financial Credit reporting incorrect information on credit report account status

April 5, 2017 - I have call - three time to correct the information about Belk. I have - account - of those account that they have is over 7 years since it was report and it the account should have been take out. I could not get the foreign representatives to understand that. The information is on there two long....

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Synchrony Financial Credit card rewards

April 5, 2017 - I received a promotional offer for my Gap Card ( issued by Synchrony Bank ) for the months of -/-/- and -/-/2016. The promotion was you would receive 5 times the normal rewards points for each purchase during the period PLUS - points each day the card was used. Points were to be awarded within 2 billing statements By -/-/- no bonuses were issued. I contacted Synchrony Bank and they acted like they never heard of the promotion and said they would look into it- I could expect to have it resolved in 2 or 3 more billing cycles. I contacted The Gap about this via email ( attached to ...

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Synchrony Financial Credit card identity theft / fraud / embezzlement

April 5, 2017 - I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. I then received a letter from Synchrony denying my Fraud Claim. " Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to - for a purchase. My wife - who is also authorized on this account made the phone call. Information was not given to a third party. A fraudulent charge was made for $7400.00 from - on -/-/2016. We did not m...

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Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt

April 4, 2017 - On -/-/2017 I sent a dispute letter to - requesting validation of this debt - including an item bearing my signature. All I received in response on -/-/2017 was - Credit Card statement. I again requested validation on -/-/2017, and again received no further information to validate the debt. On -/-/2017 - claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on -/-/2017 asking several specific questions to validate my debt, and on -/-/2017 - again responded with a letter th...

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Synchrony Financial Consumer Loan managing the loan or lease

April 4, 2017 - PURCHASED MATTRESS AND WAS NOT TOLD ABOUT PROMOTIONAL PERIOD IT ENDED -/-/2017 I OWE $390.00 ON PURCHASE AND NOW -/-/- HAVE BEEN TOLD THAT I OWE AN ADDITIONAL $300.00 I AM PREPARED TO PAY OFF PURCHASE BUT FEEL I HAVE BEEN DEFRAUDED TO PAY ADDITIONAL MONEY I AM ELDERLY ON A FI-ED INCOME - SYNCHRONY BAK...

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Synchrony Financial Credit card billing disputes

April 4, 2017 - I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of -/-/- 30 days past due as of -/-/-, -/-/-, -/-/- to -/-/- I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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Synchrony Financial Credit card billing disputes

April 4, 2017 - I had a $25.00 minimum payment due on my Walmart Card and paid $30.00 online on - -, 2017. I had no idea that Synchrony Bank would hold the payment until -/-/17. When they applied the payment, it overdrew my bank account. Knowing that I already paid it, I contacted the bank who then did not authorize what I thought was a double payment. Subsequently, I contacted Synchrony who accused me of 'scheduling ', not paying on the account. They assessed me with late fees, etc. on -/-/17 I paid $30.00 ( for - 2017 ) and then received a notice from Synchrony that I owed them an...

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Synchrony Financial Credit card billing disputes

April 4, 2017 - So I signed up for the care credit account when my dog required -, the amount was roughly -. I set the account up for automatic withdrawal and after 2 yrs thought I must be done. I called synchronity put in my social and the message informed me my account was paid and up to date. I then cancelled the automatic withdrawal from my account. Within a few weeks I was sent a letter my account was overdue, I called and spoke with a representative who informed me that after 2 years of payments, I actually owe - more than the original because I did not pay in time. What?????? OK so how will yo...

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Synchrony Financial Consumer Loan managing the loan or lease

April 4, 2017 - I paid for - using CareCredit credit card and was promised a 0 % interest over 18 months. It has been 16 months and the company has charged me 14.75 % interest on the total cost....

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Synchrony Financial Credit card billing disputes

April 3, 2017 - I already submitted a complaint several months ago. The complaint number is - I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?...

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Synchrony Financial Bank account or service making/receiving payments, sending money

April 3, 2017 - Synchrony Bank Credit Card withdrew $3800.00 dollars from my bank account, rather than $38.00, as they were authorized. When I contacted Synchony, I was told they did not make the withdrawal, a third party did, on their behalf and that I would have to call back in 2 to 5 days to get my money back. They also told me they do not have a complaints or compliance department....

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Synchrony Financial Credit card billing statement

April 3, 2017 - On - -/-/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank - Then on - -, 6 days later, i received an email saying my statement period had ended and I owed $25.00. It said I could view or pay balance by clicking - of - links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by - -. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of - -, my...

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Synchrony Financial Credit card customer service / customer relations

April 3, 2017 - In early -/-/2017, my Sam 's Club MasterCard was compromised. There was an unauthorized charge for the amount of $96.00. Synchrony Bank ( who services my Sams Club MasterCard ) failed to catch the fraudulent charge at the time but I alerted synchrony bank of it when my billing statement came. They assured me it would be investigated and I would hear back within 30 days. Some time later they sent me a letter stating the charges were valid. I called back in to assure them it was fraudulent. The case was reopened. I received another letter ambiguously stating the case was resolved. After play...

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Synchrony Financial Credit card identity theft / fraud / embezzlement

April 3, 2017 - I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me....

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Synchrony Financial Credit card customer service / customer relations

April 2, 2017 - After three different disputes that were unanswered I had to stop my Amazon.com credit card account. Since my complaint was regarding Amazon I can assume after many months of ignoring my disputes Amazon.com was being dismissive. They sent me papers asking for more information over and over again even though I had already sent the information in many times....

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Synchrony Financial Credit card advertising and marketing

March 31, 2017 - Hi, I signed up for this account under a promotional offer where if I spent $140.00 on electronics purchases I would receive a $75.00 Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the $75.00 Gift Card. My first order and the qualifying order number : -...

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Synchrony Financial Credit card closing/cancelling account

March 31, 2017 - My care credit account was closed unknowingly on - - - due to us filing bankruptcy ( which I understand ) that which still collected my $100.00 to $150.00 a month payments and would probably still be accepting our payments if we had n't tried to use the card last week and declined now they are saying they only owe us $100.00 I want this investigated. I never put them on my bankruptcy but it is standard to close account I understand that but when the account was closed it was $ -. so I am being cheated and I feel this needs attention!!!! my payments are -/-/- $100.00...

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Synchrony Financial Credit card other

March 31, 2017 - I had fraud on my account and I contacted the company to make them aware of it. They closed down my card but the fraud is on my current account and making my monthly minimum payment higher, my card is over the limit due to the fraud. The fraud was transferred to the new account....

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Synchrony Financial Credit card other

March 30, 2017 - Today I called Paypal - Account ending in - to see what my balance is since I have n't received any communication from them. I found out my account was closed and my balance was transferred on -/-/2016 to my PayPal -. My issue is I had set up automatic payments to PayPal - account for minimum payment due on -/-/2016. As of -/-/2016 to current date, minimum payment due is still being taken out of my checking account for a total of $310.00. In addition, I made additional payments to - from another checking account for a total of $300.00. Thats a total of $610.00 which ...

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Synchrony Financial Credit card credit line increase/decrease

March 30, 2017 - Many months back my credit limit was around - dollars. I only opened this card to build good credit but then found out from a financial advisor my available credit ratio was actually hurting my credit. As I was paying down the available credit, card services dropped my credit limit to around 450/500. I have been sending in monthly payments as well as double payments since then. In the statement for -/-/- my limit was 490 and my available credit was 114. I 've submitted more payments and have not used the card since then and the statement for -/-/- says the limit is 300 and I have ...

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Synchrony Financial Credit card billing disputes

March 30, 2017 - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due -/-/-, -/-/- I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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Synchrony Financial Credit card other

March 30, 2017 - I contacted the billing department regarding the amount of interest charged on my most recent statement. I had questions about the balance amount used to calculate the interest amount. I asked for the rep to help me to understand, but she refused. I then spoke to a supervisor named -. She stated all that she could is open an " adverse action '', their inquiries department will research my concern and send me a letter within 30 days. I stated I am fine with this. At no time did I dispute this account or the balance owed. Less than 30 minutes ago, I received an alert of action on my - cred...

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Synchrony Financial Credit card delinquent account

March 29, 2017 - I have had a probem with a credit card my wife got thru walmart/ synchrony bank.I asked for a settlement on the account due to divorce and i made the payments as scheduled and even called on around the -/-/- to make sure everything was ok and i was assured that everything was ok and the debt was taken care of i should receive a letter stating the same later in the month .I just received a letter today stating i didnt make the payments as arranged and that this will be declared a bad debt. I just got hung up on by the sychrony bank because they say they are missing my last payment after an...

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Synchrony Financial Bank account or service account opening, closing, or management

March 29, 2017 - I was approved for Synchrony Bank Credit Card through -, and i purchased some furniture items from - on -/-/-, to be delivered in -/-/-, and called them on -/-/- to cancel items worth $480.00 way before delivery. Fast forward to -/-/-, I made two payments in the amount of $65.00 and $160.00 and am trying to payoff my final bill and had to call Synchrony Bank. They told me I am responsible for $1000.00. They told me I had to go into - store to settle this, so I went to the store and spoke to the Supervisor. After numerous attempts she and I made to Synchrony...

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Synchrony Financial Credit card transaction issue

March 29, 2017 - I have had to call Care Credit and/or talk to multiple representatives six times in twenty days. I have never experienced such horrible customer service and lack of professionalism. Every time I call Care Credit, I am told finance charges are being waived and that the payments will be adjusted from the Promotional Balance and placed on the Revolving Balance as I have requested. I am also told that the payments I am currently making will be applied to the revolving balance as requested. Yet, every single time I call or get a new statement, nothing I have requested has been done, or it has been ...

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Synchrony Financial Credit card identity theft / fraud / embezzlement

March 29, 2017 - On - I booked a hotel stay through - with my Synchrony Gap credit card for a - trip scheduled - in the amount of $650.00. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the - Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since - and would not reopen until early to mid--. Our trip was scheduled for - thus i...

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Synchrony Financial Credit card payoff process

March 28, 2017 - In - - we contacted Synchrony Bank and were told our pay off amount would be $3100.00. We then doubled our monthly payment to expedite the payoff. - - we contacted Synchrony Bank again and was told that the pay off amount was around $2400.00. That figure seemed too high so we asked for a copy of all the invoices as well as a copy of the contact agreement. We were under the impression that it was 3 years deferred interest but was told it was only for 1 year. We are very knowledgeable on interest rates and compound interest. The company then sent us a letter stating that the info...

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Synchrony Financial Credit card rewards

March 28, 2017 - - Mastercard does not honor their promotions giving bonus points for purchases during the promo period. I signed up for a - points promo during -/-/-/-/-. I made $38.00 of purchases in that period. I only received - points in my -/-/- statement. I should have received - ( $ - ) points. I have informed them but they have ignored my complaint. I signed up for a - points promo during -/-/--/-/-. I made $38.00 of purchases in that period. I only received - bonus points in my -/-/- statement. I should have received - ( $ - ) bonus p...

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Synchrony Financial Credit card closing/cancelling account

March 28, 2017 - I applied for a Care Credit card ( Synchronicity Bank ) in -. The application was approved. I used the card once for an emergency veterinary appointment in the spring of - and paid the balance in full over a period of a few months and have not used the card since that time. On - -, -, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my...

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Synchrony Financial Credit card identity theft / fraud / embezzlement

March 28, 2017 - I 'm a victim of identity theft, and credit monitoring/freeze by - has proven ineffective. I recently found $5200.00 worth of charges to a banana republic account that I have n't used in years on my credit report. I called - to report another case of fraud and they called Synchrony Bank, but they were unable to successfully dispute charges or help. They left it to me to call Synchrony Bank at a later time and request statements ( all statements ) of charges so that I could dispute them as fraud. - did confirm with Synchrony bank that a flagged fraudulent address had been issued a ...

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Synchrony Financial Credit card credit card protection / debt protection

March 28, 2017 - I am a short-term - during -/-/2012, I have been in the store of Banana Republic at - to buy goods in the second half of -/-/2012, I was paid the bills by - - - credit card, The clerk advised to apply for a discount card, This will be more cheaper, But I do n't know this is a credit card, but also use this card to pay the part of the clothes of the bill. I have come back to - for nearly three years. I rented a house in -, followed by a - rental. Unexpected, We met at an - in -, He told me, A letter of credit card payment was often sent to this address. I do n'...

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Synchrony Financial Credit card billing disputes

March 28, 2017 - someone opened a lowes account in my name i never ever used or opened lowes i never got anything from them, i disputed this and there telling me i benifited which is untrue this is not mind and thre refusing to remove this from my name i never dealtt with this bank and never will...

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Synchrony Financial Credit card closing/cancelling account

March 27, 2017 - I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of -. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to ...

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Synchrony Financial Credit card closing/cancelling account

March 27, 2017 - I had Care Credit Credit Card with Synchrony Bank. On -/-/2016 i paid the Balance $50.00 and I asked to close the account. I kept sending me statements. I called they inform that i have to pay interest and they will waive the late charges. On -/-/2016 I paid $260.00 and close the account. till now I am getting statement with interest and late charges. When I contact them the said it is different account, of which i did not open....

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Synchrony Financial Credit card billing disputes

March 26, 2017 - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on -/-/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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Synchrony Financial Credit card payoff process

March 26, 2017 - I had signed and agreed to 0 % interest for 5 years for a medical procedure that was not covered by insurance. I set a direct payment from my checking account to CareCredit and therefore was not late with any payments. Two years later, I received a statement that was over and above the balance. I called and spoke to - and was told that interest had now been added. I explained that my agreement was for 5 years, interest free. I then told him that I would pay the remainder of the balance of $11000.00 in full plus - and - payments but that I would not pay any interest on the balance. -...

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Synchrony Financial Credit reporting improper use of my credit report report improperly shared by crc

March 25, 2017 - Lowe 's ran a Hard Inquiry on my credit that was not authorized by Me, without my permission or my knowledge....

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Synchrony Financial Credit card apr or interest rate

March 24, 2017 - I was unfairly and wrongly charged back interest on unpaid promotional interest purchases. When logged into Amazon store card online, you can select promotional purchases, which shows you the promotional purchases that are going to expire, however in this instance, I had too many promotional purchases ending on - -, so many were apparently not being displayed. The amount I was charged for not paying the promotional purchases off in interest charges was $420.00! and then I was unknowingly being charged interest on top of that each proceeding month thereafter. Thus I thought I was paying...

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Synchrony Financial Consumer Loan problems when you are unable to pay

March 24, 2017 - I was unemployed for 4 weeks and got behind in payments the first month. I fully intend to repay the $800.00 loan for dental services. Yet they continually call 5-10 times a day, send letters, and emails. I can not repay the loan if Synchrony Financial continually harasses me while working. I will lose my new job and will not be able to make the payments. I can not make the payments, if Synchrony Financial continually harasses me at work, I will lose employment....

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Synchrony Financial Consumer Loan managing the loan or lease

March 23, 2017 - Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The -/-/- payment was made on -/-/- because of the holidays. Synchrony did not credit my payment for -/-/-, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. From my perspective, this is a bookkeeping problem on their end and I ha...

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Synchrony Financial Credit card late fee

March 23, 2017 - Signed up for Synchrony Bank credit card from - -, as a promotion, and after setting up Auto Pay, they disabled it, claiming it was n't a valid checking account, and made no effort to report an error and instead sent it to collections. Spoke on the phone and told me their policy is to not make any calls to account holders. Only way I knew of the error was from their next months statement saying I have n't been paying. Their system has changed other info as well. Went onto their site and upon logging in, I had to supply them with my email, claiming they did not have one on file. They clea...

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Synchrony Financial Credit card closing/cancelling account

March 23, 2017 - I was appointed the executor of my mother 's estate. I received a new JCPenney credit card in her name. On -/-/2017, I called the credit card phone # and was forwarded to Synchrony Bank 's probate department at -. I informed them that my Mom is deceased and requested a letter confirming that the account was closed and no purchases will be accepted. I was told I would have to call back in 30 to 90 days to request such a letter. I asked to talk to a supervisor, but - returned and said the supervisor said I would have to call again in 30 to 90 days to request a confirmation letter. I che...

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