Review and analysis of over 47 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 47 official complaints related to Transaction issue. Out of the 47 consumer complaints against Synchrony Financial, 6% 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. 36% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 13% resulted in non-monetary compensation.
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Synchrony Financial Credit card transaction issue March 29, 2017 - I have had to call Care Credit and/or talk to multiple representatives six times in twenty days. I have never experienced such horrible customer service and lack of professionalism. Every time I call Care Credit, I am told finance charges are being waived and that the payments will be adjusted from the Promotional Balance and placed on the Revolving Balance as I have requested. I am also told that the payments I am currently making will be applied to the revolving balance as requested. Yet, every single time I call or get a new statement, nothing I have requested has been done, or it has been ... |
Synchrony Financial Credit card transaction issue March 17, 2017 - I went to the dentist in pain after a -, he said I needed a -. For the first time in my time seeing him, he wanted payment for procedure up front instead of sending it to my insurance as usual and as my insurance says is supposed to happen with in-network providers. I could not afford the procedure in cash, and would have usually walked away to get a second opinion. However, then my dentist 's assistant said there was a deferred payment credit card option that is just " great. '' While I was still in pain in the dental chair in the back of the office they presented me with a CareCredit a... |
Synchrony Financial Credit card transaction issue March 7, 2017 - Unrecognized charge. Multiple claims to Synchrony bank and - ( that withdrew the money ) to give my money back had no result. They keep the stolen money... |
Synchrony Financial Credit card transaction issue February 27, 2017 - Over paid Synchrony Bank $1200.00 after a stop check payment failed to attach. Called Synchrony Bank on -/-/2017 and they said I had to wait 10 days for the overpayment check to clear and another 2 weeks to process reimbursement to me. I do n't understand why a financial institution would take two weeks to process reimbursement. It seems like it 's a great way for a financial institution to collect interest on money that does not belong to them. The women I spoke with did not provide any type of confirmation number to evidence that the request had been made and that reimbursement would fol... |
Synchrony Financial Credit card transaction issue February 24, 2017 - Unfair business from creditor. I had an Old Navy Credit Card since -. I have never looked at my balance. I just paid online every month. In -, I reviewed the statement on line and there was an item of $19.00 and $8.00 which I am sure this item was not mine. I went back to all the statements in - and -, Old Navy has been billed me the same amount every month. I have contacted Old Navy in - - but I got direct to the machine system. Then I sent a letter in -. Old Navy promised to refund me the money that they have mistaken billed me since -. Again, same item shows on ... |
Synchrony Financial Credit card transaction issue February 20, 2017 - I paid off my TJ- Rewards Card ( Synchrony Bank ) on -/-/- ( cleared my bank ). This is a week later and TJ- has not credited my account. They claim my payment arrived, however have been holding funds for a week.... |
Synchrony Financial Credit card transaction issue February 16, 2017 - I had furniture store card in 2016. I made my payments every month in 2016 by check. They convert the check into electronic debit. My checking account was debited for each electronic check to card company. The card company charged my checking for a second payment every month in 2016. I did not notice the duplicate debits on my account. I thought they were the same single payment. Also, my store credit card statement only showed one payment. When I made the payoff payment in -, I noticed another payment to them came afterwards for a different amount. This is how I learned that they have be... |
Synchrony Financial Credit card transaction issue January 30, 2017 - Synchrony bank failed to credit my payment of $250.00 on -/-/2016. When I called them to discuss they were unwilling to accept my bank statement as proof that a payment had been sent to them electronically by my bank ( - ). They were completely unwilling to work with me on getting this resolved. Currently the minimum payment due that I owe is $110.00 yet I have now been charged 2 months of late fees and my credit score has completely tanked.... |
Synchrony Financial Credit card transaction issue January 23, 2017 - - visit on -/-/2016. I filled out their forms and I qualified for their - program '. Vet took my - to examin him and staff person came in and said it would be around $49.00 for the visit. Vet came back and said they would draw blood. Vet said my - would need medicine and I gave them my pharmacist 's phone number. Went to desk to check out. That 's when the desk person informed me that my bill was $130.00. I asked why when the first person said it would be only $ -, desk person told me blood draw was extra. I told that I did n't have that much in my bank account to pay. Sta... |
Synchrony Financial Credit card transaction issue January 19, 2017 - I did a kitchen install with Lowes in - - NJ, it was a very frustrating experience and after not getting resolution from the store I put in a revoked charge and reached out to the CEO in North Carolina. The store reached out to me and requested a meeting where they asked me to email them releasing the funds revoked. They spoke of compensation however did not mention an amount. I was uncomfortable releasing the full amount not knowing what the compensation would be. I expressed this to the store manager - at the time. After a few days I received a letter from the bank letting me know t... |
Synchrony Financial Credit card transaction issue January 18, 2017 - I am contacting your agency because I need your help in disputing some charges done on my JC Penny Mastercard by a fraudulent company. I have paid several companies - of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. - - - was one of them and I would like you to investigate all charges done by them on my JC Penny Mastercard. They charged me twice once on -/-/16 for $3000.00 on the statement says -... |
Synchrony Financial Credit card transaction issue January 17, 2017 - My payment was sent on -/-/2016 the payment was sent with tracking. The tracking number is - and confirms the payment was received by Synchrony on -/-/2016 at -. The check was drawn from our title company under check # - is in the amount of - that should have paid the card in full. Synchrony has taken the stance that they ca n't find it and it 's my problem and not theirs even though I have provided them with the tracking and check information.... |
Synchrony Financial Credit card transaction issue January 17, 2017 - I went into the - - at the - - on Thursday - - and made a $150.00 check payment. I signed the electronic check agreement and received my voided check and receipt. I attempted to use the card to make a purchase. It was denied. I called customer service and was told that it took - to 48 hours for payment to clear. I knew this was not true as I am an associate at the store and people do this all the time. ( The $150.00 check cleared my bank account Friday morning. ) I was told to call back Friday. I called back Friday and now was told it would clear Saturday and if not to... |
Synchrony Financial Credit card transaction issue January 12, 2017 - I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by - aka - Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an - Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his $12000.00 package would work best for me. Which I paid $50... |
Synchrony Financial Credit card transaction issue January 5, 2017 - I called CareCredit billing inquiry specialist -- # - at - this morning of -/-/2016 about the closure letter they sent in regards to my complaint on a transaction charge. I tried explaining my issue in regards to product and services received was questionable raked with QC issues. She iterated that there was nothing she could do and that they are a bank only. I tried explaining that the product was defective in which I was charged $650.00 for a - that was less than 3 months old that never fit the first time -. I explained that it broke upon removal - twice. The final time... |
Synchrony Financial Credit card transaction issue December 27, 2016 - On -/-/2016 I bought a product to the company -, I never received this product, I made a dispute to my credit card synchrony bank, my bank responded that the company had given them a tracking number, the Traking number says the product was thrown at the fence door, I never received this package, they are charging me for the package that I never received, I do not hire the packaging company, it is not my responsibility that the product is found Lost, all responsibility is in the company that sent the package and did not require a signature for delivery... |
Synchrony Financial Credit card transaction issue December 20, 2016 - I ordered - bras and - pair of - boots from - online, using JCPENNEY credit card. This was the end of - 2016. I received the - bras, but the boots were not delivered. Shipping receipt said OUT code -. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed - via secure email on my - account that I had purchased another pair, please credit me for the online order not received. I have sent - emails, called twice, Faxed twice, Called - reported to them. Still being charged for online order that I did n't received. They all say they c... |
Synchrony Financial Credit card transaction issue December 18, 2016 - Lowes consumer credit card website routinely attempts to make consumer credit card statement payments " minimal amount '' or defaults payment dates to the last day prior to becoming delinquent in an attempt to increase revenues from late payments and interest. Multiple times I have selected the " pay current balance '' button on their bill pay site only to have the next page " confirmation page '' select the " minimum payment '' amount. I believe this is intentional and an attempt to increase revenue from interest.... |
Synchrony Financial Credit card transaction issue December 13, 2016 - I purchased new appliances ( washer, dryer, dishwasher, oven, microwave oven and stove top from Lowe 's on -/-/-. I had to return the stove top ( - '' Radiant, $790.00 - because it did not fit. Lowe 's picked up the stove top on -/-/2016 and I was told by Lowe 's - Assistance Team ( - - at a credit would be applied to my Lowe 's Credit Card through -. As of -/-/2016, no refund or credit has been applied to my account.... |
Synchrony Financial Credit card transaction issue November 16, 2016 - I was woken up by a phone call from Synchrony bank -/-/-. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my - plan. His response was " fine then you 'll make $1500.00 '' and I said no maybe $800.00 or less depends on what I can get out of my -. And I only owed $200.00. And he said " you will have $800.00 or else. '' Then by -/-/-, $800.00 was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but th... |
Synchrony Financial Credit card transaction issue October 25, 2016 - Some body used my JC Penney Master Card without my authorization on -/-/2016- reference # -, amount $0.00 -/-/2016 - reference # - ) ) -, Amount $6.00 I want to know who abused my credit card.... |
Synchrony Financial Credit card transaction issue October 14, 2016 - My identity from my bank account had been jeopardized causing issues of payments. I do believe somehow information was used for some else purchasing unauthorized transactions... |
Synchrony Financial Credit card transaction issue October 13, 2016 - The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 1 ) New credit card, with a new charge on -/-/16 in the amount of $200.00. 2 ) Payment cycle is on the - of the month, so this payment was due -/-/16. 3 ) I forgot payment right away so they charged my $25.00 late fee, which I was fine with. 4 ) Once I received notice that this was late I submitted payment... |
Synchrony Financial Credit card transaction issue October 13, 2016 - This is about a problem with a credit card company. I live in -, my son lives in -. He is an authorized user on my credit card, which I provided him for emergencies. But because we live in different places, every time he tries to use it - that is, during emergencies such as car problems - the credit card company declines the charge. Even though he is an authorized user. I have called the company, even to alert them to charges, and the card is still declined. I 'm willing to do whatever I can to provide my son this safety net, but the credit card company makes this impossible. What is a... |
Synchrony Financial Credit card transaction issue October 2, 2016 - Every time I am trying to login to my account to make a payment the system does not let me do that. It does not let me to reset my password. When I call customer service they tell me to try again in 30 minutes. I know I am entering the correct credentials, because I store them in my own password database. This is a very bad practice of forcing customers to be late with the payment and charge them late payment fees!... |
Synchrony Financial Credit card transaction issue September 12, 2016 - I made a $100.00 payment on my - Synchrony Bank account on - -, 2016 through their automated phone payment system. I entered my bank 's routing number and checking account number as well as the amount I was paying which was $100.00. My Synchrony Bank account number was entered prior to making the payment. Before completing the call, I received a confirmation of the all the information I entered and a confirmation code. My - -, 2016 checking account bank statement shows the payment was made to Synchrony Bank and the funds withdrawn from my account in the amount of $100.00 o... |
Synchrony Financial Credit card transaction issue September 9, 2016 - Toys r us is reporting on - a $6800.00 charge off on my account. I only owed then $77.00. And the $77.00 item was returned and never credited to my account... |
Synchrony Financial Credit card transaction issue August 19, 2016 - I ) National HouseHold Appliance store ; Conn 's HomePlus, Store # -, Located in -, Texas, - County, zip code - ; Using Unethical and Deceptive trade practices for personal financial gain. II ) Items listed on Contract /Invoice number -, dated -/-/2016, in the total amount of ( U.S . Dollars ) $2100.00. 1 ) Used invalid Model number 2 ) Invailed Description 3 ) Invailed Unit Price. III ) Items delivered were : 1 ) Incorrect 2 ) Used not New 3 ) damaged. IV ) Contacted Sales personal - - and Store Manager - - at store - location ; Refused to correct. Stating... |
Synchrony Financial Credit card transaction issue August 17, 2016 - Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through - credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, - Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told ... |
Synchrony Financial Credit card transaction issue August 16, 2016 - I recently opened an Amazon Store credit card, issued through Synchrony Bank. About a week after opening the account, I was notified by Amazon security department that my amazon account was compromised, and unauthorized purchases had taken place. They locked my account, and cancelled all unauthorized orders, which all contained e-gift cards that were claimed by people who I have never heard of. Amazon sent me an email saying all transactions were being reversed. Two weeks went by, and the orders had been cancelled but my Amazon credit card ( issued by Synchrony ) had not been refunded. I conta... |
Synchrony Financial Credit card transaction issue August 10, 2016 - PayPal has a repeated POOR BUSINESS PRACTICE of taking money for payments but then holding the funds for and extra week before releasing the available credit, even though they have the customers money. This practice is completely WRONG and PayPal needs to be investigated for wrongfully taking cash from their customers and holding it hostage, putting customers and small businesses at risk. Please investigate these unacceptable business practices and force PayPal to correct these unethical business practices.... |
Synchrony Financial Credit card transaction issue August 6, 2016 - I had a Banana Republic Visa card through Synchrony Bank. In - 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over $60.00 credit that they were supposed to have refunded. I still have not received the refund. I opened another card in -/-/-. Last weekend, I logged into my online account to make a payment on the... |
Synchrony Financial Credit card transaction issue July 22, 2016 - I discovered fraud charges on my case and found that BP let this charges come in and did not notify me of this fraud use of my card. I also found that there are fees that are charged to my account for this fraud charges.... |
Synchrony Financial Credit card transaction issue July 22, 2016 - I discovered fraud charges on my account and are appalled that PayPal would let this charges through and did n't even notify me of this fraud use of my card.... |
Synchrony Financial Credit card transaction issue July 20, 2016 - I have disputing incorrect information that is reporting to the credit reporting agency 's. qvc is trying to collect a debt from me in the amount of $380.00 which I paid this account off in full. This account was sold to - who I also contacted to advise them that I do not owe this debt. I received a letter today from syncrony bank/qvc stating they have received my prior complaint to the fcra and advising me that they no longer have this account as it has been sold to - and if I disagree I have 20 days to respond. I wrote a - page letter back to them stating that I do not owe this mo... |
Synchrony Financial Credit card transaction issue July 18, 2016 - Synchrony Bank issued a furniture finance card without disclosing there are limitations on which retailers ( in their network ) will accept them. I opened a Synchrony Financial furniture card to finance the purchase of - mattresses in -/-/2015. When I opened the account, there were no notices or disclosures of ANY kind which indicated these account would only be accepted by certain retailers under the umbrella of merchants who accept Synchrony Financial financing. In other words, while many retailers accept the Synchrony card, not all take the type I was approved for. This was never dis... |
Synchrony Financial Credit card transaction issue June 7, 2016 - I am registering a complaint against PayPal Credit services for potentially fraudulent handling of my PayPal Extras MasterCard ending in -. For the billing cycle ending -/-/2016 with a balance of $500.00, I had mistakenly paid the bill twice. The initial payment was submitted electronically via my bank to a previously closed PayPal credit card, then upon receiving an email from PayPal that my balance was still outstanding, I proceeded submit payment again via the PayPal website only realizing later what had happened. Almost 5 months later, after multiple calls and a myriad of excuse... |
Synchrony Financial Credit card transaction issue May 19, 2016 - Have made contact with creditor only to become more frustrated with their services. I have been with this credit finance company through various establishments for over ten years and this is the only account I have had this grievous error to continue to get out of site for resolution. Requested copies of transactions only to be told that 72 hours was not feasible and the earliest would be 10-14 days. Once billing statements were received I prompted to seek answers. Only to become more frustrated with lack of information in charges accumulating. Then prepared a spreadsheet to hopefully give som... |
Synchrony Financial Credit card transaction issue May 5, 2016 - I called in -/-/16 and settled my account for $450.00 I was told fees would be adjusted within 48 hours and I would have zero balance. I even said in my payment authorization that I only approve payment with - balance she confirmed and took payment I have the recording as well. They then left fees continue to charge interest and report my credit. To this day its on my credit. I want this removed from my credit entirely or I will sure for inaccurate credit reporting and damages. My account was paid and settled I want it closed like promised and removed from my credit immediately. ... |
Synchrony Financial Credit card transaction issue April 29, 2016 - After making what I thought was a payment in full of my monthly Sychrony Bank - - credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay... |
Synchrony Financial Credit card transaction issue April 26, 2016 - I placed an order with Amazon.com on -/-/- for approximately $200.00. I used my Amazon.com store card so the order was eligible for a 6 month promotion because it totaled over $140.00. Within the next day, I received an email from Amazon that they could not complete the order because the credit card company had denied the payment amount, and they asked me to use another credit card to fund the purchase. When I contacted Synchrony Bank, a rep named - said it was denied because there was a hold on my account. She said sometimes this happens when a large order has been placed. I expla... |
Synchrony Financial Credit card transaction issue April 18, 2016 - I would like someone at my - to investigate a transaction I made on - -, 2014 to a company by the name - out of -, WA in the amount of $1000.00. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to $30000.00 for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with - and a loa... |
Synchrony Financial Credit card transaction issue March 3, 2016 - We submitted our payment to the Wal-Mart store in -, -. The check was returned and we were asked to send the check to Wal-Mart - - in -, - We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in -. Walmart - - refuses to credit our account. ... |
Synchrony Financial Credit card transaction issue January 30, 2016 - Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company. ... |
Synchrony Financial Credit card transaction issue January 11, 2016 - I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead, every time I log in, I have to resubmit all my information ( account, SSN, security questions, etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this " error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues, them, please make me a part of the class action. ... |
Synchrony Financial Credit card transaction issue January 8, 2016 - On - -, 2015, my wife and I traveled to - - NV to celebrate our - wedding anniversary. I used my Sam 's Club - - # - - on the - to purchase dinner ( $60.00 ) and, at the airport for - shuttle bus transfers ( $40.00 ). On the - I used the same card at breakfast in the - - ( $10.00 ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for - minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club - card for payment and he... |
Synchrony Financial Credit card transaction issue January 4, 2016 - I applied for a Wal-Mart - credit card back in -. I purchased an item last - - with my Wal-Mart - card ; I ended up returning item for a refund a year later - - - ) from the hardware store. In Spring -, Synchrony Bank announces via mail to all cardholders they will drop - in exchange to form with new merchant, -. The hardware store, Lowe 's, returned amount back to the - card with the old account number, still under the same bank, Synchrony. 2 weeks later, a representative from Synchrony Bank said that they received an overpayment of an accredited amount to ... |