Review and analysis of over 31 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 31 official complaints related to Credit determination. Out of the 31 consumer complaints against Synchrony Financial, 23% 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. 0% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 26% resulted in non-monetary compensation.
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Synchrony Financial Credit card credit determination March 16, 2017 - I OPENED A SYNCHRONY BANK CARE CREDIT ACCOUNT SOME YEARS BACK THEY NEVER SENT ME THE CARD BUT ALLOWED ME TO PAY FOR VET SERVICES THAT DAY I REQUESTED A CARD THE FOLLOWING YEAR AND THEY C CLAIMED THEY SENT IT AND DID NOT SUBSEQUENTLY THEY CLAIMED EACH CARD SENT WA S A NEW ACCOUNT AND ALTHOUGH I HADNT HAD A LATE PAYMENT IN YEARS THEY CLAIMED LATE ON 5 ACCOUNTS WHEN IT WAS ONLY A CARD CHANGE SINCE THEY REPEATEDLY NEVER SENT CARD THEY HAVE DAMAGED MY CREDIT I NEVER HAVE LATE PAYMENTS ON ANYTHING - NY -... |
Synchrony Financial Credit card credit determination March 9, 2017 - In -/-/- all of my debit cards where hacked into and someone tried to purchase numerous items including monthly arch payments. I did complete a Fraud Alert for 90 days on -/-/-. ( - is the 90 days grace period to be removed ). On -/-/- someone open an bank account with Synchrony Bank and tried to applied for credit. The application was declined and it was reported to - Credit Bureau. On -/-/- ( approx time - am ) I called the credit department with Synchrony Bank at ( - ). I talked to representative - he asked for my social security number, I informed represe... |
Synchrony Financial Credit card credit determination March 7, 2017 - One past due payment of $27.00 dollars, on a store charge card, resulted in a credit score drop of over - points. This essentially ruined my credit score and my ability to apply for loans of any type. It should not be that easy to affect ones credit score in a nation where credit is so important.... |
Synchrony Financial Credit card credit determination February 21, 2017 - In -, 2017 I gave my credit card to - for payment on TJ- Rewards/Syncb and it was denied. I have no history of late or nonpayment with this company. I have a credit score of -. On Sunday, - I went to the - at the Convention Center in - and tried to purchase a product using the same card for a - ( jewelry cleaner ), website address is : -. this was $20.00 plus tax and my TJ- card was denied again. I am - years old and have NEVER BEEN DENIED using credit cards. I have been humiliated, embarrassed and am very upset about this matter. I have been given no reason why th... |
Synchrony Financial Credit card credit determination February 18, 2017 - I had a crefid card i had a - dollar credit limit without my consent they pulled a crefit report from a credit agency i called amazon / syncrony bank and askef them to explain why my credit limit was dropped in swich they said do to a credit scoring pulled from a credit agency in which all thats on my credit report was there when the account was opened i asked them to send me a copy of my consent to pull my credit report with my signiture they said it would take take 30 days before i could get that info asked the why so long would not give me a answer only that it is policy... |
Synchrony Financial Credit card credit determination January 29, 2017 - I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. It is very unfair for Synchrony to approve me for credit and then freeze my cards with ... |
Synchrony Financial Credit card credit determination January 3, 2017 - SYNCB will not work with me for nothing they told me they didnt care... |
Synchrony Financial Credit card credit determination December 2, 2016 - In - of this year my wallet was stolen and soon learned that there was unauthorized charges to my credit card. I disputed the charges and they took care of the unauthorized charges and credited my account back and even got a new credit card in the mail. Prior to this incident, though I rarely used the account, I did always pay on time when there was a balance. I received a letter from the creditor in -, following this dispute indicating that they had closed my account after reviewing my credit file without warning me. When I opened this credit card I had good credit standing and feel th... |
Synchrony Financial Credit card credit determination November 2, 2016 - Signed up for a Lowe 's Consumer Credit Card, managed by Synchrony Bank. Signing up for " paperless billing '' apparently means " do not send any statements/alerts whatsoever ''. Eventually - I forgot about a balance, and had a late fee plus interest. Also - I had to " opt in '' to receive email statements/alerts. I paid the balance in full. Receive an alert a couple weeks later that there is still an outstanding balance on my account. I see Synchrony Bank actually charged me interest on the balance I paid in full. I immediately called and spoke with - - rep ID # : - ) ; she wai... |
Synchrony Financial Credit card credit determination September 13, 2016 - I applied for a - Credit card through Synchrony Bank in the middle of - 2016. I was denied credit and later sent a letter dated -/-/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from -. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported... |
Synchrony Financial Credit card credit determination September 9, 2016 - A - citizen who went to - - for $1800.00 worth of dental work. Could not afford to pay upfront ; - - told me to use their payment plan. A foreclosure prevention counselor at a non profit anti poverty agency explained to me that it was a care credit card with a - interest rate. She also showed me that only pay the monthly amount would cost me over $5000.00. - did not explain this to me and did not tell me that I may have other options to pay this bill... |
Synchrony Financial Credit card credit determination September 8, 2016 - Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times -/-/2015 for a department store card I opened. The dates the Transunion reports were run are : -/-/2015, -/-/2015, -/-/2015, and -/-/2015. My credit is monitored by -, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for - department store card. They said they do not know and would send a letter. The - representative told me privately that it looked like - accounts were open in my name, even though I had... |
Synchrony Financial Credit card credit determination August 30, 2016 - Should n't companies like Amazon who uses Synchrony Bank to issue their credit cards use the - credit bureaus in checking credit reports? This bank - Synchrony Bank did not use the credit report of the - credit bureaus but instead uses this company when consumers apply for an Amazon credit card. - - - - - -, PA - -... |
Synchrony Financial Credit card credit determination August 26, 2016 - After getting - mail offers from Walmart ( Synchrony Bank ) about applying for their credit card, I finally gave in and applied for the card. After I finished my online application, I got a message saying to contact the - number. It did n't say if I was approved or denied for the card. After I called the - number, I went through - to get the account opened because they had issues with verifying my phone number. Here is what I have a problem with. I answered all the questions that were asked of me, including verifying my social security number, my name, my full date of birth, as wel... |
Synchrony Financial Credit card credit determination July 22, 2016 - -/-/- - - - - - - - -, -, - - - - - - -, -, - - Re : Unauthorized Credit Inquiry SSN # - -/-/- / -/-/- / -/-/- Dear - -, I recently received a copy of my - credit report. The credit report showed a - credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this lette... |
Synchrony Financial Credit card credit determination July 4, 2016 - I closed my accounts after having a card for 10 months, my credit limit was $500000.00. The reason I closed my accounts, because I had several accounts with Synchrony Bank and being with them almost a year and was NEVER late with any of my accounts, they wanted verification of my social security number and tax forms, they cut my cards off and when I went in a store to use a card it was declined and very embarrassing. Closed all the accounts and no open accounts with Synchrony Bank after a few months I decided to apply for a Walmart Card and I was told it was in the credit department review... |
Synchrony Financial Credit card credit determination June 23, 2016 - According to my credit report, acquired on - -, on - -, 2016 SYNCB- an airline credit card provider has hit my credit score. Although I receive many proposals indicating pre-approved credit through mail, I had no interest in credit card application from this type of credit provider. I would like to dispute their credit check if that is their source of information to send me pre-approved proposals.... |
Synchrony Financial Credit card credit determination June 21, 2016 - Lowe 's pulled my credit when I asked if I could have time to pay. Said there was NO hard pull and stated it would NOT show on my credit.... |
Synchrony Financial Credit card credit determination June 8, 2016 - I paid my account in full on - -, 2012. Synchrony Financial is not responding to written request to acknowledge a paid in full status. They continue to bounce my calls through multiple layers of the organization with no substance or response. ... |
Synchrony Financial Credit card credit determination May 15, 2016 - -, CA-- -/-/- - Senior Specialist, Corporate Consumer Relations, Synchrony Bank -, SD - Subject : CFPB Case # - AEO, Inc Account Number Ending in - AEO, Inc Account Number Ending in - Dear -, As per your respond on - - -, you requested delete AEO, Inc hard inquiry from - - -. ( Your respond attached ) However already 60 days passed and still remains on my - credit bureaus report. ( credit report attached ) Please be good enough to delete that hard inquiry as soon as possible. And I am using card almost more than 6 months and if possible to ... |
Synchrony Financial Credit card credit determination May 7, 2016 - Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was $3000.00. This card was to be used for the hotel and other misc. charges while on vacation. We arrived on Saturday -/-/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the $3000.00 payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from ... |
Synchrony Financial Credit card credit determination May 1, 2016 - Sometime in the - to - week of -, 2016, I applied for the Sam 's Club -. On -/-/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about... |
Synchrony Financial Credit card credit determination April 14, 2016 - I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was - with - when my actual score is -. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had - on -, - on -, and - on -. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Onl... |
Synchrony Financial Credit card credit determination April 13, 2016 - I have - accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received - separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. - weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information beca... |
Synchrony Financial Credit card credit determination April 8, 2016 - I have a Synchrony Care Credit Card I obtained at a DDS office. I was unsure what balance or credit I had available on my Synchrony card as well as my company provided - card. I mentioned this to the receptionist and was told she could not provide for the - card, but could get the balance available on the Synchrony Care Credit card. She proceeded to call and was given the available balance. Given that, any other card I should call about on my own behalf, would provide information only after I answer multiple pertinent questions to verify my identity. Is this legal??? I was not asked a si... |
Synchrony Financial Credit card credit determination March 27, 2016 - I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry - -, 2014 SYNCB/SAMS /Inquiry - -, 2014 Sams is reportin - hard inquiries on the same day for the application to all - bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed - authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit. ... |
Synchrony Financial Credit card credit determination March 21, 2016 - I started a new job with Sam 's Club ( - -, -, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of $2.00 taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here i... |
Synchrony Financial Credit card credit determination February 19, 2016 - -/-/- - - - - - - - - - -, CA - CAR CAREONE/ SYNCHRONY BANK - - - - - FL - Dear SYNCHRONY BANK, SSN # - Account Number Ending - Why does your hard inquiry ( - -, - and - hard inquiry on - - - ) appear on my - - credit report. ( - credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. Sincerely, - - ... |
Synchrony Financial Credit card credit determination February 15, 2016 - Sychrony Bank put a 30 day mark on my credit even though I asked a rep if I made by payments on -/-/-, I would be in good standing. I tried to make payments on -/-/15 and -/-/15 but the system claimed my bank rejected the payments which is not true. I did not have a returned payments with them. I want the negative credit mark removed because I paid -/-/- 's payment on -/-/15 which a rep said I can do. Now I am getting inconsistent information. They claimed they ca n't remove the negative credit mark which the credit bureau advised me that is not true. He state if th... |
Synchrony Financial Credit card credit determination January 5, 2016 - Upon applying online for a - Card through Synchrony Bank, I was asked for personally identifying information through what appears to be a - Party Service/Credit Report Service. - of the questions asked about my current property and asked for the date associated with it. None of the dates were even close - not even in the same year - and the only other answer was that I am not associated with this property, which is also incorrect. As there was no correct answer, I failed the identity test and was denied credit. I have a - FICO score and have never been denied credit before in my li... |
Synchrony Financial Credit card credit determination December 30, 2015 - - - - - - - - # - -, - - - -/-/2015 -, - - -, - - -, -, - - Account # - SSN # - I requested to upgrade store card to visa card and call center agent advised me re apply again to get a visa card.I did applied again on -/-/2015 and I got approved another store card credit line of $2500.00 ( Last - account number ending - ) After I contacted call center again they said they given wrong information for re-apply new account. I advise them please combined my limit up to $5000.00 and closed the account ending ... |