Review and analysis of over 45 complaints against Synchrony Bank
Synchrony Bank consumers have reported over 45 official complaints related to Billing disputes. Out of the 45 consumer complaints against Synchrony Bank, 9% were disputed by the consumer (i.e. the consumer was not happy with how Synchrony Bank responded to their complaint) and 100% were processed in a timely manner. 51% of consumer complaints against Synchrony Bank resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 7% resulted in non-monetary compensation.
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Synchrony Bank Credit card billing disputes January 3, 2016 - I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. About 2 billing cycles ago, I went into the walmart store to make a $25.00 payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was $25.00 that is what I paid. The next month I realized that my payment was actually $4.00 shy and I was charged a $35.00 late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on ... |
Synchrony Bank Credit card billing disputes December 30, 2015 - RE : CARE CREDIT CARD, - 2014 I had to have -. dental work and the dentist office signed me up for a Care Credit Card for the $8600.00. bill. They said I would have no interest for a year promotion. To date I have paid $ - balance and when I went to check statement, I found out that they accrued 12 months of interest for the entire year -- at 26.9 %! Putting my balance back up to $8300.00.!! I am shocked at this deception and of the $3000.00. I pd means nothing now. I read that there was a class action lawsuit about this, I called Care Credit and they were no help. I f... |
Synchrony Bank Credit card billing disputes December 30, 2015 - yes on my moms walmart credit card our monthly bill went from - a month too - a month??? we did not really charge that much for it too go up - more a month???? so we would like a explanation not happy????? i do have power of attorney im her son -/its in your records????? ... |
Synchrony Bank Credit card billing disputes December 30, 2015 - - -, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. - gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in -/-/-, paid this one out and charged a microwave in -/-/- and paid it out in - 2015. Please help me with this account and retain my good credit. I am too ol... |
Synchrony Bank Credit card billing disputes December 25, 2015 - I have moved into a new apartment on -/-/15. On -/-/15 I decided to purchase my furniture from Walmart due to the fact that they were offering a promotion in which the interest on my Walmart Credit Card offered by Synchrony Bank would be deferred for 24 months. I learned that my local store did not have much of the furniture I needed in stock and the promotion was in-store only. I called the number on the back of my card and after speaking to the representative they agreed to make an exception in which they would honor the promotion for an online purchase. On -/-/15 I made -... |
Synchrony Bank Credit card billing disputes December 22, 2015 - I am a consumer who applied for a cared credit card for vision purposes in - 2014. I was under the impression that I would not pay any sort of interest for 18 months on my - purchase and would only acquire interest charges after the 18months was over. I received inadequate explanation of the terms from the store rep and at not time spoke to an actual Care Credit rep during the application process. I also did not receive any copies of the care credit agreement that explained the deferred interest rate of the crazy 26.99 % When I went to make a payment online I noticed and interest charge ... |
Synchrony Bank Credit card billing disputes December 13, 2015 - We 've had a Synchrony - account for three years. In - of 2014 we moved to - and had to change our bank from a local credit union to - Bank. We changed our payment info online with the credit card company and the payments were withdrawing from our - bank every month for the next year with no problems. In - of this year, we got a letter saying that our - payment had been returned because of insufficient funds at our bank, we were now delinquent in our payments to Synchrony and they had cancelled our account. According to our - bank statements, we had over $6000.00 in o... |
Synchrony Bank Credit card billing disputes December 12, 2015 - I have a charge off on my redit report for $4.00 from -. thisi s a - - card thru SYNCB. this $4.00 shows late - days. I can assure you I pay my - credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this $4.00 charge. However, I am now looking to purchase a home and this $4.00 is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all - bureaus. Ihad no idea I had a charge off ev... |
Synchrony Bank Credit card billing disputes December 9, 2015 - This has been going on since - -, 2015. Wasted over - hours & spoken to more than - people at Synchrony. The conversation has been the same every time. We 've worked on trying to figure out exactly what the balance has been, we get told we 're believed and they will work with Lowe 's to resolve the issues and get charges for the things we do not have removed. In every case, those Synchrony persons fail to do so and then just stop communicating. On -/-/15 sent an email for written proof to - - of Synchrony financial to suspend all charges as everything is in dispute u... |
Synchrony Bank Credit card billing disputes December 9, 2015 - I have a walmart Credit Card. In - I noticed online fraud charges. I contacted walmart and told them about it. They told me they would be closing my account and reissuing a card. Before that though I sent a payment in total of - dollars to cover my monthly minimum seeing as i did not know when new card would come at the suggestion of rep. I finally get new card activate it today and see that walmart is claiming i didnt pay - minimum. which they combined with - and - late charges. They are trying to charge me - dollars when rep suggested I make the payment on the day I did. I ... |
Synchrony Bank Credit card billing disputes November 30, 2015 - I FILED A COMPLAINT WITH THIS OFFICE BACK IN - 2015 WHEN SYNCHRONY BANK- CHARGED MY ACCOUNT A $25.00 LATE FEE BECAUSE THEY FAILED 2 APPLY THE FINAL $5.00 - - MY - ACCOUNT AND THE THIRD BANK ACCOUNT I USED. .ALLOW ME 2 STATE FOR THE RECORD THAT I NEVER APPLIED FOR A - CREDIT CARD WITH ( SYNCHRONY BANK ) I APPLIED 2 ( GE BANK ) AND UP UNTIL THIS ISSUE I NEVER WAS CHARGED ANY E-TRA FEES.NOW THERE IS ALSO ANOTHER ISSUE THAT I INFORMED CFPB & THAT WAS INTEREST FEES THAT HAVE BEEN APPLIED 2 MY ACCOUNT OVER THE PAST 3.50 YEARS FOR ITEMS THAT WERE PURCHASE ON A FLE- PAY OR VALUE ... |
Synchrony Bank Credit card billing disputes November 28, 2015 - An unauthorized purchase of $340.00 was made on my Sam 's Club credit card account - -. When it appeared on my statement, I contacted the issuer and challenged the charge. I was assured in a phone call to Synchrony Bank ( issuer of the card ) on - - that I was not liable for the charge. When the charge remained on my account, I phoned again - - and was told to ignore it. When it continued to appear, along with late fees, I called repeatedly and was transferred to Collections instead of to Customer Service. I finally got through on - - and was assured that I was not li... |
Synchrony Bank Credit card billing disputes November 27, 2015 - I found that a late charge was assessed to my credit card account ( Synchrony Bank, Gap VISA ) showing the last payment made on - -, 2015 even though my online banking account showed that a payment was clearly made on - -, 2015. When I called the customer service line, I was immediately transferred to the debt collection department. When I explained the situation, the customer service representative communicated that my payment was accidentally applied to a closed account and therefore showed the current account past due. She explained that she would waive the late fee and correct ... |
Synchrony Bank Credit card billing disputes November 24, 2015 - SYNCHRONY Bank/Amazon I place an order with - in -, I returned the defective item - -, Amazon received the item on - - but never issued a refund to my credit card. I called the card company today wanting to dispute the charge the bank told me they wo n't do the dispute and to call Amazon. Today I have been on phone with the bank and they said call amazon. I was on with Amazon they said call Synchrony bank. This happened about - times today. I did close my account with this bank behind this issue. I paid the all the bill except $53.00 the amount of the credit I am due. ... |
Synchrony Bank Credit card billing disputes November 14, 2015 - I have a - 's credit card. The store ( s ) billed me for - extra water heaters to my home over charging me $1100.00. The bank serviced by - Bank told me I had to see the store which I did. It took over a week & more than a few trips to resolve. In the meantime my closing statement of -/-/2015 was showing me OVER limit & requiring a larger payment since the error put me $94.00 over limit. I called their customer service # & spoke to - who was very uninformed to the credit biz which I have been in OVER 49 years. I told her about the error & wanted to know what my payment sh... |
Synchrony Bank Credit card billing disputes November 12, 2015 - I have received - letters from Synchrony Bank within the last 30 days, informing me they were closing/reducing my credit limits on the following credit cards, most of which I have had for over 10-15 years : -, -, -, -, - ( - ) accounts, -, -, - -, - - -, -, - -. Quite a few of these accounts have - balance or very low balances. I began experiencing problems with Synchrony around 1.5 years ago. I began seeing late fees of $ - $38.00 appear on my statements. After numerous attempts to contact a live person w/Synchrony, I was rudely spoke... |
Synchrony Bank Credit card billing disputes November 7, 2015 - I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer th... |
Synchrony Bank Credit card billing disputes November 5, 2015 - Synchrony Financial is the creditor that my - account is with. They were paid off in - from my - - account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I ... |
Synchrony Bank Credit card billing disputes November 1, 2015 - Ref : Amazon Card Acct # -Gentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor - had same issue. However, - conf... |
Synchrony Bank Credit card billing disputes October 30, 2015 - On -/-/- I was granted credit of $2500.00 by Carecredit/GE Money. I made four additional transactions of $1400.00. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of $36.00 or ... |
Synchrony Bank Credit card billing disputes October 30, 2015 - I have an existing credit account with Guitar Center, which was originally serviced by - -. On -, 2015 it was announced a new deal with Synchrony Financial was signed. During the months of -, - and -, I received no statements from - -. On - -, 2015 I received a statement from the new provider Synchrony Financial which had - late charges assessed. When I called Synchrony they did offer to remove - late charge, but resisted removing the other stating that fee was not assessed by them but - -. I 'm filing this compliant against both companies to resolve t... |
Synchrony Bank Credit card billing disputes October 29, 2015 - I was going online to paid my credit card bill of Walmart number # - but they service was not operated online, I had call the credit card to make a payment by phone today but post date for -/-/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of $35.00 because it was past due and I reply to her is not pass due. Can you please process the payment of $98.00 on -/-/2015, She process the payment with no problem, she gave me the confirmation # -, This is not the first time I been charge for late fee of $35.00 for the mon... |
Synchrony Bank Credit card billing disputes October 28, 2015 - I purchased a lawnmower from a dealer - nd opened a - credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them - dollars a month for two years it should be payed off by now I accualy over paid them they should owe me - back this has been going on for months now was never late with a payment. ... |
Synchrony Bank Credit card billing disputes October 27, 2015 - jc penny just e mail me on my acct, I never rec any statements since - 2015 ... |
Synchrony Bank Credit card billing disputes October 27, 2015 - I closed a - account in 2010. There was a balance and I had signed up for automatic payments to be drafted from my account. I received a notice that my credit profile had changed and when I investigated, I found that the card changed - - to Synchony Bank and that they had stopped the autodraft on my account. I contacted the Synchrony Bank to complain and they claimed they would credit me the late fee and remove the credit reporting from my account and send me new paperwork to restart the autodraft. I returned the autodraft form and received a second notice today that my - score dro... |
Synchrony Bank Credit card billing disputes October 26, 2015 - I received my credit card statement today, and noticed that the minimum payment due had increased by 5 %, rather than decrease as anyone would expect ; given that there were no new charges, late fees, or APR increases. I called the company and was told that it was because I had only made the minimum payment due, which is mathematically inconceivable : If the interest does n't change and the balance is reduced, the payment due should be reduced too. I spoke with a supervisor who did understand that something was irregular about the situation, but did n't have any way of correcting it immediatel... |
Synchrony Bank Credit card billing disputes October 26, 2015 - I contacted Synchrony Bank because I found out they charged me over $200.00 in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the - of the month instead of the -. They only waived a couple of fees. I want the $160.00 in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # - has to be refunded the $160.00 immediately. ... |
Synchrony Bank Credit card billing disputes October 23, 2015 - In - I contacted Synchrony Bank in regards a Disputed Transaction that I made with the recent payment on the account ( ending - - - It involved a transaction dated -/-/2015 numbered -, ostensibly to a " - - T- '' in the amount of $260.00. Later this was upheld and the dispute apparently was resolved in - 2015. Then there was a mix-up and I was credited with another payment, but that was resoved by action of the bank. But it was followed by another charge and there is absolutely no documentation to support this previously charged item noted and is probably anot... |
Synchrony Bank Credit card billing disputes October 17, 2015 - I submitted a dispute to Synchrony Bank regarding an appliance purchase I made from - -. Synchrony asked me for no information and said they would be in contact to let me know where to send my documentation. Approximately one month later I received a letter stating they had contacted the retailer who had provided them with documentation that the charges were valid because the unit was in perfect working condition '' based on an inaccurate assessment from an unqualified servicer. This servicer 's assessment was disputed and a second servicer was sent to my house who did identify and issu... |
Synchrony Bank Credit card billing disputes October 16, 2015 - I returned to the - several years ago after being out - working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me t... |
Synchrony Bank Credit card billing disputes October 15, 2015 - I have excellent credit and the only times I miss a payment on a revolving credit account is when the vendor fails to send me a bill. - ( aka car care - from Synchrony bank ( formerly GE capital ) is one of several similar cards I have with this company. I also have a very large money market account with them. This is one of those specialty cards where you can purchase interest free for a qualifying purchase for a period of time and, presuming the account is kept current, and you get slapped with a 26 % interest rate if its either not paid regularly or in full before the deadline. They... |
Synchrony Bank Credit card billing disputes October 14, 2015 - I went to the dentist, - - -, - - - -, -, FL - on -/-/- for a cleaning. Was told that I needed a - done. The doctor 's recommended plan of care was to include - on the right side, - since they were so close to each other - The total was approx. $6800.00 which I said I did not have, not for the - or the rest of the suggested procedures. The dentist mentioned Care Credit Synchrony Bank and said she would do an online application to see if I was approved, which I was. After I left, I decided against returning to them because I did not think I neede... |
Synchrony Bank Credit card billing disputes October 13, 2015 - Due to the - of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay $160.00 per month for four years at - interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in -/-/- and to date we have received no phone calls, emails or written correspondence. We sent a ... |
Synchrony Bank Credit card billing disputes October 13, 2015 - This is a follow-up complaint for a recent complaint I filed in case number -. Rather than start a new complaint, I 'll explain additional details under this case number. Today ( - -, 2015 ) I received a letter from Synchrony Bank concerning a credit due to my credit card account ending in -. The letter states that According to our records, your credit of $960.00 was applied to your account on -/-/2015. You can find this credit on a previous billing statement. '' The letter was sent from the Customer Service Department. Having all my previous statements in hand, I know the... |
Synchrony Bank Credit card billing disputes October 12, 2015 - Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe - - dollars for a - - - - dollar debt ... |
Synchrony Bank Credit card billing disputes October 12, 2015 - I was contacted by by phone by someone at Synchrony Bank regarding my - store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with -. My payment was due on -. I made a payment for more than the amount due on -. However, that payment was applied to - ( which I had already paid in - prior to the due date ). - indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was... |
Synchrony Bank Credit card billing disputes October 9, 2015 - Chervon Gas company is use unfair practices in an attempt to get consumers to pay more money on there bill. They are charging $35.00 late fees even if the customer pays the bill on time. They rise the minimum monthly payment balance at will to get more money while charging higher interest on the minimum payments. They also are reporting consumers to the credit bureaus even when continued payments are being made. Please look into these gas companies ... |
Synchrony Bank Credit card billing disputes October 8, 2015 - I returned an item I had purchased at -, who issued a refund to my credit card on - -, 2015. The credit has never been posted on my BP credit card with Synchrony Bank. Despite countless calls, promises, glitch on computer screen '', they have never posted the credit to my account. I have in-hand a letter dated - -, 2015 stating that the credit was applied to my account on - -, 2015. This simply is not true. I have gotten nowhere with their customer service ''. This past Monday, - -, I was assured by someone named - '' in the disputes dept that the credit would ... |
Synchrony Bank Credit card billing disputes October 5, 2015 - Re : Synchrony Bank ( JC Penney account ). I never chose to do business with Sychrony Bank ( formerly called GE Credit ) but they handle JCP credit card accounts as well as credit cards for Lowe 's, Walmart and several other retailers. This complaint involves - furniture purchases at the JCP store in -, ID on -/-/15 and -/-/15. I first purchased a sofa and chair at JCP on -/-/15 which totaled $1300.00 and canceled the order on -/-/15 for the same sofa and chair in a different fabric and color for a total price of $1300.00. I was offered Special Financing '' o... |
Synchrony Bank Credit card billing disputes October 4, 2015 - I applied to care credit for assistance in financing some dental work I was having done. I was approved for an - credit limit. For awhile I was making my payments monthly until I noticed that I had paid over - and only - was credited towards my account. I recently received a bill from a collection Agency stating that I now owe - on a card with an - dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these - companies to have deceptive practices. ... |
Synchrony Bank Credit card billing disputes September 28, 2015 - - -, 2015Walmart/Synchrony Bank-, GA -Re : Credit Card ending in -To Whom It May Concern : This letter is in reference to an account held with your financial institution that has become delinquent due to financial distress and external factors. The purpose of this communication is to provide you, the creditor, with some insight as to the reasons why my account has been late. During the latter part of - I became unemployed due to non-renewal of contract. Thus, my sources of reliable income diminished. Ultimately, this situation impacted my ability to pay my bills on time. As y... |
Synchrony Bank Credit card billing disputes September 27, 2015 - I have been paying HHGregg through Sychony -for two years. Now it seems that I am at thebeginning balance since I purchased in 2013 -Syncony - is trying to make me pay over -in interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it. ... |
Synchrony Bank Credit card billing disputes September 24, 2015 - I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at on... |
Synchrony Bank Credit card billing disputes September 23, 2015 - I used Care Credit credit card to pay a vet hospital when my dog was dying. Needless to say it was a very difficult time for our family. I used Care Credit for many months. My dog passed away on - -, 2015. I have been making payments to Care Credit since then. Suddenly my monthly amount due increased with no explanation. After many hours on phone with vet hosp manager and then Synchrony bank, the bank said it was the vet office 's fault. The vet office said they submitted all paperwork by end of -. Synchrony bank is can not suddenly say, oh by the way, you owe us - more dollars 6 ... |
Synchrony Bank Credit card billing disputes September 17, 2015 - Reference cases -, -, and - that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. Synchrony Bank never addressed that fact I was not receiving bills and simply stated that the - accounts were charged off and sold to second round and they no longer service the accounts. - clearly stated - - has made it clear he is interested in resolving this matter... |