Review and analysis of over 48 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 48 official complaints related to Credit card protection / Debt protection. Out of the 48 consumer complaints against Synchrony Financial, 13% 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. 31% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 10% resulted in non-monetary compensation.
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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'... |
Synchrony Financial Credit card credit card protection / debt protection March 20, 2017 - I have a complaint against Synchrony Bank with their Care Credit, credit card that I signed up for at my dentist 's office to pay for my -. Initially, I had no problems logging into my Synchrony Bank account and making regular payments. The credit was for $1000.00 and I was making $100.00 payments each month. Unfortunately, one day I was no longer able to sign into my account and there was no " forgot password '' button there at the time ( they have changed it now so that there is that option ). I had been using my - chain password feature so that my password would just appear when I... |
Synchrony Financial Credit card credit card protection / debt protection March 15, 2017 - I am recently retired - service member who has been - on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off - and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me $90.00 a month, so only - dollars was going to interest and nothing was going to principle, thus increasing my balance an... |
Synchrony Financial Credit card credit card protection / debt protection March 15, 2017 - Synchrony Bank added a $19.00 monthly card protection fee to my account. I was not made aware of this by bank.... |
Synchrony Financial Credit card credit card protection / debt protection March 7, 2017 - An air conditioner company requested we pre-apply for an interest free ( 1yr ) credit card to have an air conditioner installed. We applied and were approved. The air conditioner company incorrectly installed an air conditioner unit which took over three months. Once it passed township codes inspection the company failed to return to fix damage they caused and to fix a leak still on the air conditioner unit. The contractor charged the prepared credit card the full amount stating they tried to contact me to repair the damage they caused which was not true. The credit card company was advised an... |
Synchrony Financial Credit card credit card protection / debt protection March 5, 2017 - I applied for a credit card through - to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about $47.00. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!... |
Synchrony Financial Credit card credit card protection / debt protection March 3, 2017 - Hi my name is -,and I have several store credit card through Synchrony Bank; however I have card - on all of my credit cards; so I am -, with -,and I submitted a claim to synchrony bank/ card security and I was told that I was not Eligible due to not having an Eligible doctor; My doctor; - was terminated from his office, due to drinking on the job, however my doctor had already completed my - forms before he was terminated, and I have tried to reach out to him, but he is unavailable due to being terminated.I always pay my insurance on all of my credit cards through synchrony ... |
Synchrony Financial Credit card credit card protection / debt protection February 27, 2017 - I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i sp... |
Synchrony Financial Credit card credit card protection / debt protection February 22, 2017 - Synchrony bank, as the credit card provider for - stores, employs deceptive and unfair practices with an add-on product on their credit card ( card security ). Upon the opening of my account, I noticed an $85.00 fee on my account - outside the promotional 48 month financing I had taken advantage of with the store when I made a large purchase of furniture. When I called and inquired about the fee, I was told it was an optional product and that I had selected it when I signed up. I signed up online within the store and do no recall selecting any feature that required additional fees. Synchr... |
Synchrony Financial Credit card credit card protection / debt protection February 18, 2017 - I opened an account with Amazon prime for a credit card issued by Synchrony Bank. They added a fee for card security without my permission at a cost of $2.00 per month. They were counting on my not catching this. When I called the telephone number for customer service I was connected with an off shore call center staffed by English speaking foreign nationals. The rep said he would cancel. This is an example of a predatory and dishonest credit card company.... |
Synchrony Financial Credit card credit card protection / debt protection February 18, 2017 - I received a Lowes credit card in - with a beginning balance of $3000.00 and continued making monthly payments up until - which is when my spouse lost her job. I informed Lowes of what happened and offered to lower the monthly payments I could afford. I began making payments of $54.00 to $100.00 and after 5 months I asked for a balance update and discovered I made a small dent on my balance. I asked Lowes why my balance was almost the same? Lowes responded that only - of my monthly payment goes to my balance and the rest goes to their interest. Lowes also said not to make large ... |
Synchrony Financial Credit card credit card protection / debt protection February 14, 2017 - I signed up for an - store card for my - payments and they automatically signed me up for their Card Security Program which provides coverage in the event of death, - etc. I did not give my consent ( or was not aware of giving my consent ) when I signed up for the card. I received a non-descript notification in the mail alerting me of this and have cancelled my participation by phone. Apparently they have a checkbox in the card application process. I do not remember checking that box ( and never would have ), so I can only assume that the box was checked automatically and it was an ... |
Synchrony Financial Credit card credit card protection / debt protection February 12, 2017 - A creditor issued me a store card. Paid as agreed until I was seriously injured by a - one morning whom left me without. All creditors were notified, letter of protection agreed debts were to be satisfied, I did as stated in those letters too. The only creditor who did not honor their word is this bank. Bank sold debt to another company, company sued me ; so, I made an agreement with the court. Bank is known by consumers if they shop at big box stores with the - '', home improvement store with the - '', bank begins with a " S ''. Ca n't write their names ; so, you 'll know them as -... |
Synchrony Financial Credit card credit card protection / debt protection February 10, 2017 - Synchrony bank- for Walmart- I reported on - - to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On - - I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.... |
Synchrony Financial Credit card credit card protection / debt protection February 5, 2017 - In -, I had some - work done on time payment and was forwarded a credit card right away from a company called Care Credit to make my payments. Everything was fine for awhile until I started receiving notices and robo telephone calls from Care Credit staff stating my payments were late even though I made my payment through the mail and sometimes on line, If I though I 'd might be late by mail. Sometimes Care Credit would bill me and others times I would not receive a bill. When I inquired as to what happened to my statements for payment, Care credit mentioned that they had sent me an emai... |
Synchrony Financial Credit card credit card protection / debt protection February 2, 2017 - I opened a Care Credit account for my - with Synchrony Bank a year ago with 0 % for a year. Last week when I was going to pay off the balance, noticed a charged of $80.00 on the statement, I questioned it and found out it is protection or insurance plan, which was monthly added to my account. I never requested and authorized such a insurance and without my permission added to my card. I was charged $1100.00 for past year of the insurance protection, which are going to pay me back. But this kind of none sense have to stop, I found out by accident about it and - know how many people ... |
Synchrony Financial Credit card credit card protection / debt protection January 28, 2017 - I have an account with synchrony bank for my - account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.... |
Synchrony Financial Credit card credit card protection / debt protection January 16, 2017 - I received a new Walmart Mastercard in the mail that I did n't sign-up for. I called Walmart MasterCard Synchrony Bank fraud department and they had my social security number and address. I have never owned a MasterCard or had a Walmart card of any sort. Someone opened the card on -/-/- and purchased something for $700.00 ( plus ) on -/-/-. Walmart Mastercard Synchrony Bank could not tell me who opened the card or where the card was opened, however they asked if we had an Amazon credit card. We do not, but we do purchase through Amazon and they have had our credit card numbers. Tha... |
Synchrony Financial Credit card credit card protection / debt protection January 11, 2017 - I have an account with PayPal Smart Connect Credit since -/-/- and I have been making the monthly payments online without checking the statements. I recently noticed that the balance was the same even though I was paying - dollars every month. I went online looked at the statement and saw that part of my payment was going to interest and the other part was going to some other charge that I had no idea what it was. I contacted PayPal Smart Connect Credit owned by Synchrony Bank to inquire about the unknown charge and was told it was credit insurance. I told the representative I did not ... |
Synchrony Financial Credit card credit card protection / debt protection January 7, 2017 - After numerous requests and disputes to the - major credit reporting bureaus, Synchrony Bank/Care Credit refuses to provide me with an application bearing my signature requesting an extension of credit from them. Synchrony Bank/Care Credit can not and will not verify that I myself opened and used this account. I request that if my person can not be verified and validated, the charge card account and its reporting status has to be removed from all - major credit reporting agencies : -, -, and -.... |
Synchrony Financial Credit card credit card protection / debt protection December 28, 2016 - Sam 's Club credit card at Synchrony Bank compromised in - system on -/-/16. - fraudulent charges for - - watches sold by " - '' used my Sam 's Club Credit card to pay the - $110.00 charges. Within hours, I noticed the illegal act and reported the card compromised to Synchrony bank and illegal take over of my account to -. Synchrony bank attested over the phone on my reporting the card compromised ( fraudulent use ) that : 1. The account would be closed and reopened with a new account number. 2. That the - charges totaling $230.00 would be reversed on the ... |
Synchrony Financial Credit card credit card protection / debt protection December 28, 2016 - Dicks Sporting Goods credit card, Synchrony bank. Charged a fee for a " optional debt cancellation product '' called " Card Security '' as to which I never willingly participated in.... |
Synchrony Financial Credit card credit card protection / debt protection December 21, 2016 - I mistakenly sent an electronic payment on - to Synchrony credit card company which the balance on the card was $480.00. The $750.00 electronic payment was suppose to go another creditor. When I called Synchrony on -, the agent said they had n't received any money and because I only owed $480.00 and the payment was $750.00, they 'd more than likely kick the payment back. I called twice on -, the day my bank said Synchrony should 've received the payment, Synchrony said no record of payment. I called the next day, -, And then I 'm told the acct was charged off and sold to a ... |
Synchrony Financial Credit card credit card protection / debt protection December 12, 2016 - Synchrony Bank of - - administers credit cards for Walmart and its affiliate Sam 's Club. We have a dispute with unauthorized debits from a vendor ( s ) based in - - and in -. Synchrony accepts unauthorized debits to our MasterCard processed by " - - - - .The amount charged ( debited ) was $89.00 dated -/-/2016. We submitted a formal complaint to Walmart 's processor Synchrony Bank aka Synchrony Financial and received a written response -/-/- that basically said nothing accept that a vendor has our credit card number and our pin number and they can do whatev... |
Synchrony Financial Credit card credit card protection / debt protection December 10, 2016 - Synchrony Financial bank locked my account and requires an impossible phone call to regain access. I am in - so international phone calls are impossible and would not be secure. This problem caused me to miss a payment, which hurt my credit and caused me to owe a lot of money. I was at zero interest and a late payment makes it go up to around the maximum. I was able to contact the company, and they told me to - and now ignore me. Here is a quote : " You have no phone so please call this number. '' The bank called me three times, but we can not communicate because - has phone problems ... |
Synchrony Financial Credit card credit card protection / debt protection December 9, 2016 - Twice now in three months I have received a credit card ready for activation in my name that I did not apply for. Synchrony Bank is allowing anyone with a small amount of information to apply and get a credit card sent to my home. Since Synchrony Bank is in both cases the card provider, I suspect they are the real problem. I have read other reports of the same nature involving them. This needs to be stopped.... |
Synchrony Financial Credit card credit card protection / debt protection December 6, 2016 - i became - with a - told synchrony bank to activate d - insuramce they did n't answer me! instead they sold the acct to a collection agency this fraud... |
Synchrony Financial Credit card credit card protection / debt protection December 6, 2016 - Walmart offered 15 % discount on todays ' purchases if I opened a card, but after opening the card, Walmart withdrew their 15 % offer ( said that I will need to wait until I received the card to get the 15 % ), and when I asked to withdraw my application, my request was denied and Walmart processed my application. I received the card - weeks later which I immediately closed. This is of concern only because it will be reflect on my credit report.... |
Synchrony Financial Credit card credit card protection / debt protection December 1, 2016 - Synchrony Bank has both harassed and disrupted my business for over 3 hours this week. Synchrony Bank has placed a hold on a credit card associated with Visa and a major department store with no reasonable justification. Tonight, I presented myself with a photo ID and the credit card at a department store branch and Synchrony still refused to comply in explaining or releasing the hold on my account. Customer service at two of these department stores located in close proximity of one another shared that Synchrony was inconveniencing many customers this past weekend. Synchrony has cost me the ab... |
Synchrony Financial Credit card credit card protection / debt protection November 10, 2016 - On - - - we had to rush our cat to the emergency vet. He required a - that very same night with a - chance of survival and price tag of $500.00. Having just gotten married and having unplanned increased expenses to pay for the - that night I applied and was approved at the vet 's office for a Syncb/Care Credit card with a $500.00 credit limit. In - of - I - to -, leaving my new - wife in charge of bills, home, and child. Unfortunately, the increase burden of our combined pre married debt with her loss of income from leaving her job in - to move to - ... |
Synchrony Financial Credit card credit card protection / debt protection November 7, 2016 - They sold my account to a collection agency after I disputed charged on my account without verifying the charges.... |
Synchrony Financial Credit card credit card protection / debt protection November 4, 2016 - I purchased a bed in - - from - 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until -/-/-. I then returned the bed for another bed that was more expensive. The difference of $290.00 was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due -/-/- ). The issue is the minimum payments did not include the amount necessary to payoff the amount of - promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit ca... |
Synchrony Financial Credit card credit card protection / debt protection October 3, 2016 - I am writing to your company to please help me protect my rights under the " Fair Credit Reporting Act, 15 U.S.C. 1681 '' " FCRA '', " Fair Debt Collection Practices Act '' " FDCPA '', Fair and Accurate Credit Transactions Act or any & all other Acts that are enforced by the US Federal Trade Commission & or Consumer Financial Protection Bureau. I have written to inform both companies on -/-/2016 that - - - , - & SYNCB/SAMS CLUB are both reporting on the same debt for - Account - - - - - - -, - -, - -, - - & Original Account Number - S... |
Synchrony Financial Credit card credit card protection / debt protection September 9, 2016 - I reported through Paypal after not receiving a response from the on-line merchant that the - separate annual subscriptions were found to be unusable and DID NOT provide what the subscription stated I would receive. Their site did not provide customer service, however, by filling out your automobile 's Make, Year, Model and what should have been it 's VIN No. the Consumer would easily discover if there had been any - which they could print off and take to the dealer or any additional formal RECALLS such as the Air Bag Recall which - is still reporting they do not yet have at my only -... |
Synchrony Financial Credit card credit card protection / debt protection August 27, 2016 - IUSE TI GAVE PAYMENT PROTECTION ON MY WALMART CREDIT CARD WHEN I WENT TO LOOK AT MY STATEMENT BECAUSE IM HAVING DIFFICULTY IT HAS BEEN REMOVED WITHOUT MY KNOWLEDGE IS THAT LEGAL?... |
Synchrony Financial Credit card credit card protection / debt protection August 17, 2016 - In - of this year my account was paid in full by the card security that I was paying monthly for on my Amazon store card. After that occurred they lowered my limit to $100.00 and I have not used that account or anything since that time. I went online today to speak to someone through their chat line to find out if by chance they could increase the limit as $100.00 was nothing to spend on their site, there major feature Amazon Prime is $99.00 a year and that would have made up the whole available limit that shows available to me to spend as the pdf shows under my account on Amazon Stor... |
Synchrony Financial Credit card credit card protection / debt protection August 13, 2016 - Hello, I have a charge off with amazon that they sold to - in - -. My account was opened in - I recently found out about a consumer lawsuit that synchrony had that included illegal practices and my account qualified since I had account security yet they closed my account without allowing me to use it although they put the account security automatically on my account unbeknownst to me. To make long story short, they added this extra add-on for account security insurance that I had to look at a paper bill to note that they added that fee to my account monthly and it was in the even... |
Synchrony Financial Credit card credit card protection / debt protection August 6, 2016 - I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone ... |
Synchrony Financial Credit card credit card protection / debt protection July 27, 2016 - I was offered to sign up for a store credit card by an employee. i like to shop but i felt ripped off. because alot of the items i purchase was low in cost. first the cashier told me my payments were only - a month and it would not change and when i look my card was getting hire in cost. well i did make several arrangement that was not kept by the customer service. it starts of good with these cards then they become harrasing charging over the limit fees and late fees and other hidden charges. there was some insurance they ask me to sign up for and they ask me to call all over to remove the... |
Synchrony Financial Credit card credit card protection / debt protection May 31, 2016 - I had a - Bank - - card for - years. In -, Synchony Bank purchased all of the - - - - accounts. In - -, Synchony Bank increased all rates from 14.29 % to 29.99 %. I paid off my Synchony - Card account in - - and applied for, and obtained, a new - Bank - - card. Previously, - would notify me via cell telephone, text message and email if there were any questionable charges to my account. A very valuable, and appreciated, service. Since - -, after paying off my Synchony - - Card account, I have not made any charges to that account.... |
Synchrony Financial Credit card credit card protection / debt protection May 28, 2016 - Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should be removed immediately. ... |
Synchrony Financial Credit card credit card protection / debt protection May 26, 2016 - I recently, just checked All my credit cards and checked all through them since -, I had not been able to do so over the past couple years due to mental illness and being hospitalized several times, I had automatic payments set for the set amount to be taken from my account every month, I noticed the card from - has net been used but once in - for an - care bear, and 4 times last year for - cd,- cartoon dvd 's and a doll, and thats it for 2 years, then I check back till -, I see - flat screen tv 's and cancelled by them and what I really noticed is the money owed on the... |
Synchrony Financial Credit card credit card protection / debt protection March 31, 2016 - i have been paying a monthly fee on my amazon store credit card account for the credit card insurance to protect my account and pay my account in cases of - or other reasons and i have filed claims and request the balance be paid in full since i am no longer able to work due to permantley - and the card security has failed to do so only making the Minimum payment on my account and causing me to get charged additional intrest fees and causing my account to over limit and on top of that the credit card insurance fees every month, i feel this is a scam and fraud that be charged these high p... |
Synchrony Financial Credit card credit card protection / debt protection February 22, 2016 - Dear Synchrony Bank this is my third time disputing the credit card transaction against -. On - -, - I received a letter from Synchrony Bank post-dated - -, - in regards to a dispute for account ending in -. According to the invoice provided by - - which his own invoice detailed what material and work was expected to be completed at my residence. In the invoice it is documented that the customer, I agreed upon to have granite counter top, installation, and wooden kitchen cabinets installed in the amount of $7800.00. Again In his own letter - - stated he ne... |
Synchrony Financial Credit card credit card protection / debt protection February 21, 2016 - SYNCB.have report inaccurate information to credit bureaus in violation Of FCRA, damaging my ability to obtain credit, the Cfpb have the obligation to investigations THE SYNCB IN VIOLATIONS OF MY CONSTCONSTRUCTIONAL RIGHTS MY SOCIAL SECURITY # - TO LOCATED AL - ACCOUNTS, -, WALMART, TOYURUST, AND CANCELED MY INSURANCE BECAUSE I BELIEVE IM -, IN VIOLATION OF ADA ... |
Synchrony Financial Credit card credit card protection / debt protection February 17, 2016 - I am college student and been in college for 4 years. I will graduate from college in - 2016. I have - credit cards with synchrony bank. When I applied for the cards it was GE. I have been able to pay the cards up until last year. I tried several times to enroll in credit protection with synchrony bank and was denied. They did n't offer it to me when I applied and when they changed banks. I am currently unemployed due to illness. I have been unable to get any help from synchrony bank and they have sent me to collection. I really need help with this issue because this has hinder my credit... |
Synchrony Financial Credit card credit card protection / debt protection February 2, 2016 - I have been paying on " - '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, - says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on - of - of these businesses. ... |
Synchrony Financial Credit card credit card protection / debt protection January 21, 2016 - I went to a - Department Store in -, Pa. I gave the clerk a - - for payment. Clerk seemed to process it but asked if I wanted to earn points for future purchases.I said it said I do n't come often but ok as long as it is not credit card since I have college loans at variable rate interest and dont want to ruin my - score. She went into computer and handed me the reciept which I figured was charged to the - card. over a month later I got a bill from a - Rewards. Here I caught on that I was scammed at the clerk table. with a BAIT AND SWITCH like - - and - bank pulls... |