Review and analysis of over 56 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 56 official complaints related to Delinquent account. Out of the 56 consumer complaints against Synchrony Financial, 20% 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. 21% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 25% resulted in non-monetary compensation.
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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.... |
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... |
Synchrony Financial Credit card delinquent account March 22, 2017 - Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in -/-/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency... |
Synchrony Financial Credit card delinquent account March 20, 2017 - -/-/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted -/-/2017. -/-/2017 Rec 'd past due notice for $230.00. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check t... |
Synchrony Financial Credit card delinquent account March 10, 2017 - I missed my -/-/- PC Richards store card payment. On -/-/- I called Synchrony Bank to explain my current financial situation and how I can bring my account current. After discussing my financial situation Synchrony Bank placed me on their " Customer Assistance Plan. '' They explained that this plan takes my total balance as of -/-/- and divides it into 48 months. During the 48 months I will incur no more late fees, no interest, no penalties and I will be up to date ; as long as I make the new minimum payments. On -/-/- I received a credit alert that PC Richards reported me ... |
Synchrony Financial Credit card delinquent account March 7, 2017 - I made a payment early - via the Walmart Credit Card portal, powered by synchrony bank. I received a confirmation and it appeared that the payment went through. Later that month I received a late notice and called. I was advised that I did not make a payment. I then made - payments - for - and - for - On -/-/- I wnet to the website and had to update my password, it makes me do this every time. I then made my payment for - and received a confirmation. I checked my account and the payment did not come out of my account. I called the call center and was advised that they... |
Synchrony Financial Credit card delinquent account March 3, 2017 - I was in a - in - of last year. When I brought my items to the counter for purchase the cashier asked if I wanted a Rewards Card. I thought it was a discount card similar to what you get at - or other retail stores. I filed out an application which the cashier entered into their system. She asked me several questions that had to do with credit and I asked her if this was a credit card not a rewards card. She said that it was. I told her that I did n't want a credit card but she proceeded to process the application anyway. A manager came over and told me that I could just cancel the ca... |
Synchrony Financial Credit card delinquent account February 15, 2017 - a fraudulant card belonging to GAP - is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed... |
Synchrony Financial Credit card delinquent account February 7, 2017 - I am currently in default with Synchrony Bank. I am well aware of the fact that collection calls are to be expected. Unfortunately, I recently started receiving calls & voicemails on my work phone. On one particular occasion the receptionist was told that they were calling in regard to a 'personal matter '. I worry that these types of calls will be noticed by my employers and could potentially result in problems at work.... |
Synchrony Financial Credit card delinquent account February 7, 2017 - I received a letter from Synchrony Bank telling me that they reviewed my account and due to - returned payments, they were closing my account to further purchases. On - -, -, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On - -, -... |
Synchrony Financial Credit card delinquent account February 1, 2017 - got behind on account. Finally made arrangements over phone with someone to pay - payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ - dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ - minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not -... |
Synchrony Financial Credit card delinquent account January 25, 2017 - I have a Walmart Credit Card through Synchrony Bank. My account became past due in - 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew wh... |
Synchrony Financial Credit card delinquent account January 24, 2017 - On -/-/2016, i was told by Sam's/Synchrony Bank, my account was compromised. I paid my bill in full as usual, I never leave a balance. I received a new card, called and was told no there was another compromise. I waited and no card came I called several time -/-/- about the account. I was never told I had an outstanding balance, was on the phone several times with customer service for over 10-20 minutes each time. Was told each time that the card was still in route. I called back -/-/- several times and was told a new card was on the way. -/-/- I decided to try to activate th... |
Synchrony Financial Credit card delinquent account January 19, 2017 - i satisfied my debt with this company through the collection agency that they tranferred my account to... |
Synchrony Financial Credit card delinquent account January 18, 2017 - SYNCB, has continue to report outdated information to all three credit bureaus. - accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan -/-/- but when I filed bankruptcy -/-/-, SYNCB charged off the delinquent accounts -/-/-. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.... |
Synchrony Financial Credit card delinquent account January 3, 2017 - I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit score.... |
Synchrony Financial Credit card delinquent account December 21, 2016 - Synchrony Bank created - account numbers reporting negative information to credit bureaus -, - and -. I only had - account with them. However, they opened - account numbers as if I had - with them creating double billing which is affecting all of my credit reports.... |
Synchrony Financial Credit card delinquent account December 11, 2016 - Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me - to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. In my state, FDCPA applies to both original and third party collectors.... |
Synchrony Financial Credit card delinquent account December 9, 2016 - PAY CREDIT CARD COMPANY FOR A DELETION, LOWES CREDIT CARD... |
Synchrony Financial Credit card delinquent account December 6, 2016 - After acquirring - - - - on - of this year Synchrony Finacial has called and harrassing as many as 6 times a day. Even after we have given them the information that - - - told us to tell them they continue to call multiple times a day.... |
Synchrony Financial Credit card delinquent account December 1, 2016 - I had an account with Walmart. The account was sold to - and then again to - -. I have paid this account in full to - - and Walmart will not remove/update this information with the credit bureaus. They are telling me that - - has to report it when in fact they ca n't report a payment that they never reported delinquent. The person reporting the delinquency has to report the payment.... |
Synchrony Financial Credit card delinquent account November 29, 2016 - In -/-/2011 I had a Synchronicity Bank / -. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them - on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since... |
Synchrony Financial Credit card delinquent account November 29, 2016 - GAP 's credit card company opened a collections claim against me and put it on my credit report. I have contacted them, and they removed the late fee on my account and I have sense made payment on my account. The delayed payment was an actual mistake the $75.00 taken from my account was on a closed account and I contacted Gap Credit representative and told them about it and made a payment of $75.00 soon after. Additionally, the company decided to lower my credit from $1200.00 to $250.00 without any warning for no reason at all, this impacted my credit score drastically. The new managem... |
Synchrony Financial Credit card delinquent account November 25, 2016 - I had made a payment to payoff my card online with PayPal Extras MasterCard. Later, I booked a hotel stay using the card - -. As we checked, we noticed one of our belongings were missing. We reported to front desk and they stated they would do an investigation but in the mean time they would refund our stay - in full. I thought my card was at a zero balance. - day I received a late pay notice via -. I was confused. I contacted the credit card company immediately. They stated the hotel charge was not reversed and I had a balance. I was reported 30+ late to the credit agencies for no... |
Synchrony Financial Credit card delinquent account November 23, 2016 - I called Synchrony Bank regarding my - account that is pasted due - past due representative who never gave me his ID told me my account has been charged off when I requested to speak with a manager the call was transferred a co worker named - who pretended to be a manager and refused to give the name of the first Rep and when I asked for his manager h ended the call In addition I have lost of income protection insurance which was not applied to the past due account... |
Synchrony Financial Credit card delinquent account November 2, 2016 - I had an account that fell past due. Very past due. The creditor issued me a - and said the balance was forgiven. However it 's still reporting on my credit report as a balance due. I contacted them to pay it off in full, and they refused payment. They said the debt was forgiven. How is the debt forgiven, but still showing as an outstanding debt on my credit report, all while they refuse to accept any payment from me at all? When I call, they read me a disclosure in the begining of the call saying that It 's past the statute of limitaitons and I am no longer legally obligated to pay. If I c... |
Synchrony Financial Credit card delinquent account October 25, 2016 - I am filing this complaint because I feel Synchrony has been unfairly besmirched my credit through forces that were outside my control. A single payment of - $35.00 was missed ( now the only negative comment on my credit report, and the only missed payment I have ever had in my credit history ). I had previously called in to report an issue with there being multiple usernames/passwords associated with my account, as well as multiple card numbers and cards being issued seemingly every few months. I will go into further detail below. A new Banana Republic card was issued to me randomly ( ... |
Synchrony Financial Credit card delinquent account October 22, 2016 - sent letter to Synchrony Bank , Home Design, to request evidence, bearing my signature, proving the account was reported accurately, verifying 150 days late payments. They failed to provide such proof, did not list the account as disputed within 30 days as required by FCRA 623 ( a ) and FDCPA 807. they also closed the account and notified all - credit bureaus.... |
Synchrony Financial Credit card delinquent account October 13, 2016 - I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.... |
Synchrony Financial Credit card delinquent account September 27, 2016 - Rooms To Go has placed this on my credit report after repeatedly telling them that I do not owe this money. Please see attached :... |
Synchrony Financial Credit card delinquent account September 14, 2016 - I purchases a sectional sofa from rooms to go - 2016 using a $5300.00 line of credit issued by - and Synchrony Bank. I was enticed by the no interest payments. The sofa was delivered with defects and then returned. I purchased another sofa and loveseat that was also delivered defective. That set was exchanged for an identical sofa and loveseat, defects and all. After the the third and final return, I chose not to purchase another set. I began receiving past due credit notices and even a fraud alert for being over 30 days past due. I had been assured by the store manager in - GA that... |
Synchrony Financial Credit card delinquent account September 10, 2016 - Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted - - at Synchrony Bank in - of 2015 because I wanted more information about the account. - stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to - was my name, social security number and a account number. - advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I ... |
Synchrony Financial Credit card delinquent account September 7, 2016 - I had a care credit account show up on my credit report back in 2008. I had contacted them to let them know this was not my account and asked them to send me supporting documents to provide me proof that it was my account. To this day the company has never sent me any documents and I have never made one single payment to them. The account has been a charge off account on my credit report for almost eight years.... |
Synchrony Financial Credit card delinquent account August 26, 2016 - amazon/synchrony bank has robo calls and daily collections to my home and work as my last pymt wast made on - - and they repeated charged late fees before due date and have not responded to my letters to synchrony bank ; i have also sent emails to - - email requesting assistance in this matter. i suspect they have damaged my credit rating ; i have made several attempts to reach them by phone biut their atom ated system has no human connection option mr - - - - - -, mass - -... |
Synchrony Financial Credit card delinquent account July 28, 2016 - I have always had a good credit, until I 've had issues with Banana Republic credit card. There has been issues with BR reporting to - credit reporting agencies without my knowledge. I 've been delinquent on my account, the reason being is I set up an automatic payment, but for some reason it did not work. I have n't checked my account in several months assuming automatic payment would be posted each month. Since the payment did not post due to the failure of automatic payment, BR reported my delinquency without contacting me first to resolve the issue. Once I found out about the issue I im... |
Synchrony Financial Credit card delinquent account July 10, 2016 - The Amazon.com Store Card, provided by Synchrony Bank, does not explicitly tell the consumer that a fee is charged every month REGARDLESS of usage. My account was sitting idle and unused and I was not worried about it - I had n't made a single purchase since opening. But come to find out when I log in a few weeks ago, I 've been getting charged $1.00 per month, missing those $1.00 payments so getting hit with late fees for all of them, and then all of those $1.00 charges and late fees accruing interest. It 's totally wild for this to be happening on a card I have not used once and did n... |
Synchrony Financial Credit card delinquent account June 23, 2016 - Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is w... |
Synchrony Financial Credit card delinquent account June 21, 2016 - I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / -. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of ti... |
Synchrony Financial Credit card delinquent account June 10, 2016 - I disputed an account with SYNCB/HH Gregg with the - major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH - both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. ... |
Synchrony Financial Credit card delinquent account May 18, 2016 - I opened a PayPal Smart Connect ( - ) account -/-/-. I made some purchases, but I never received a statement from - until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in -/-/-. It seemed like the website was purposely designed to keep customers from making payments by way of con... |
Synchrony Financial Credit card delinquent account May 9, 2016 - Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments. ... |
Synchrony Financial Credit card delinquent account April 21, 2016 - I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on -/-/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been ... |
Synchrony Financial Credit card delinquent account April 20, 2016 - As a member of Amazon Prime I applied to a store card due to the perks provided. I was approved and account opened. The creditor Synchrony Bank involuntarily enrolled me in paperless statements. I was not aware of this enrollment and thus did not receive a paper statement to make a payment. I found out about the issue when my transactions were being declined and I contacted Synchrony Bank to understand why. I was informed my account was past due. I informed them I never received a statement to submit payment. I was informed I was enrolled in paperless statements which is why I was n't receivin... |
Synchrony Financial Credit card delinquent account March 23, 2016 - -, 2015 received a bill for $40.00 from Phillips 66 serviced by Synchrony Bank. I paid it on time electronically ( bill pay service ) but it went to the old credit card number. Synchrony continues to add finance charges and ask for more info. I have faxed a copy of my bank statement. My bank has sent a letter showing proof of payment, later ACH numbers to show where payment came from and where it went. My bank, myself and Synchrony engaged in a conference call and now they want 3 months of bank statements. Enough already! I am not sending 3 months of statements. This is all a ploy to wear... |
Synchrony Financial Credit card delinquent account March 17, 2016 - I recently found out that I had a negative mark on my credit. I have excellent credit. When I found out that Syncrony Bank/Sams Club had a collection on my credit I did n't know why because I have a business account and it is fine. I found out that they had opened an account for me with a small charge for a purchase I made, I thought, on my business account. I never got a bill or notice or even a card in the mail from opening an account. I went to Sams Club and they told me that an account was opened and they had the wrong address. They had part of my business address & part my home. But I do ... |
Synchrony Financial Credit card delinquent account March 9, 2016 - This account was originally a JC Penney credit card that was opened in -/-/-. Because of financial problems at the time I was unable to payoff the balance of $75.00 at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why - - assumed the debt and they are claiming the account was opened in -/-/-. This original debt with JC Penny is well over 7 years old but it still appears on my credit report. ... |
Synchrony Financial Credit card delinquent account March 2, 2016 - SYNCB is reporting an old ( 7+ years ) negative account on credit report with balance due and attempting to collect debt even after they provided letters stating they have terminated their collections and not reporting this account to the bureuas. See attached letters received from syncb/mervy 's account # - ... |
Synchrony Financial Credit card delinquent account February 24, 2016 - I allowed a store card from Amazon.com to become delinquent. The original card was issued through GE Capital. Amazon now uses Synchrony Bank. The last transaction on the account was in - of -. A resolution was reached through a debt collector ( - - - of - AZ ) on - -, - and the account was settled. A confirmation number was issued ( - ) and the agreed amount was taken from my checking account. This week, mid - -, a letter came from a different debt collector ( - - -, - of - IL ) demanding payment for this account which was already settled and ... |
Synchrony Financial Credit card delinquent account February 18, 2016 - Credit provider did not allow no-fee over-the-phone payments in - ( no option was available and customer service stated as much when asked ), causing us to rack up fees, penalty, interest, etc. unjustly. ... |
Synchrony Financial Credit card delinquent account February 15, 2016 - Care Credit. Im having - over this. we have made several attempts to take care of a past due. Its my husbands account. we work different shifts. he was here today and talked with them on the phone, he gave ALL permissions for me to talk with them about his account. collections, payments, everything, he gave the phone back to me. he then left for work. I then made sure with that associate, that before they transfered me, that it would be Ok to talk with me. He said absolutely, he will note it and made sure the next associate knows its Ok to discuss this account with me. I was tranfsfered to ... |
Synchrony Financial Credit card delinquent account February 1, 2016 - I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or a... |
Synchrony Financial Credit card delinquent account January 26, 2016 - I went on the - - credit card website after reviewing my bank account for the last two months. There was no payment made to this company. I reviewed my email account and I checked my mail to see if there were any statements from the past few months. There was nothing. In addition, I have not received any phone calls from " - - Credit Card '' advising to call them. I then review my credit bureau. To my dismay and shock, I was reported delinquent by this company. I have - other - - -. I have ones that send email statements and I have ones that send physical statements. I ... |
Synchrony Financial Credit card delinquent account January 12, 2016 - I am writing to dispute ( - ) marks on my annual credit report. # 1. SYNCB/Chevron PLCC # - I did not personally open this account but was added as an authorized user for the account. I never physically had a credit card in my possession for personal use. The primary account holder and I are not in contact with each other and to my knowledge all charges on the account had been paid in full. # 2. SYNCB/JC PENNY # - This account was opened and kept current until -/-/2009, when I experienced some financial difficulties and was n't able to keep my account current. Once I was able to g... |
Synchrony Financial Credit card delinquent account January 9, 2016 - non payments reported, payments made thru auto pay. Have reported, waiting for response .Consumer reporting agencies have all information ... |
Synchrony Financial Credit card delinquent account January 5, 2016 - Synchrony Bank calls several times each day although I explain my dire financial situation. Other actions are available to Synchrony Bank. ... |
Synchrony Financial Credit card delinquent account January 5, 2016 - Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on - -, 2015 with - and -, the - credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from - and - stating that the account was verified as accurate by Synchrony Bank. On - -, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated - -, 2015 ( I received the co... |