Synchrony Bank Credit Card Complaint

APR or interest rate

Synchrony Bank Credit card department,

APR or interest rate Tennessee

on or about -/-/15 i called Walmart mastercard to find out why i had a mastercard on my regular walmart credit card account. the agent told me that they had upgraded me to a mastercard and that i could go ahead and close my walmart regular credit card account, so i did so, but before doing that i did ask the rep. when was this mastercard sent out and he told me it was sent out today -/-/15 and i should receive it in 7 to 10 business days. those 10 business days went by and i called and told them i had not received this new mastercard. and the rep i spoke to this time told me " i 'm sorry it was sent out yesterday '' which made it -/-/15 or -/-/15 so once i got the mastercard which was a couple of days later i called to activate the card but it would not activate, and the rep. i spoke with said " i 'm sorry - your mastercard can not be activated because you closed your walmart regular credit card account, and i told the rep. at that time i was told i could go ahead


directly with a supervisor so they connected me to one. she ask what could she help me with and i told her the whole story, and she said well you do n't have to worry now - - i have got your card activated, and i ask her at that time i said i want to know what my APR is on this Mastercard because none of that disclosed to me when i recieved the card, which by law you are suppose to receive, and she told me my APR was at -, and i ask her will you please make sure because i will not use this card if the APR is to high and she told me " I 'm looking at it right here on my screen - - and it says 16.99 %. I said ok thank you and the call ended. since that day i have requested them to send me the terms and conditions on this card that include late fees APR ... .ect ... and i still have not received them. so on -/-/15 I called back and requested a supervisor again and they placed me with GE Capital Escalations team. that team is telling me that my APR is 20.99 % and i said no its not the supervisor i spoke with said it was at 16.99 % and she confrimed that not once but twice when i ask her. The gentleman that is in Escalations said they would have to pull that call, and if that was the case that i was told that then they would correct it. he told me i could call back in 4 or 5 days and it would all be cleared up. i waited 6 to 7 days and when i call tonight ( -/-/15 ) the rep would not place a supervisor on the phone and they still would not give me any information about the papers they where to send and about my APR being 16.99 % as i was told. i 've have been gave the run around over this long enough. i 've had - or - rep and - supervisor tell me the APR is 16.99 % and i 've had about the same amount to tell me its 20.99 % ... and its not right to do a customer that helps place food on the peoples table at GE this way and it needs to STOP!!

Synchrony Bank customer in Tennessee
Nov 28, 2015

* Source: CFPB Complaint Database

Synchrony Bank response to complaint:
Closed with explanation

Consumer disputes how Synchrony Bank handled their complaint

Get Help

Get personal financial help today. Free tools, resources, and support you need.

Help Me

File a complaint

Submit a complaint with the Consumer Financial Protection Bureau today

File Complaint

Stop Phone Calls

Stop the phone calls, learn how to stop harassing phone calls

Stop Calls

Loading similar complaints

{{x.COMPANY}} {{x.ISSUE}} {{X.SUB_ISSUE}}

{{x.COMPLAINT_WHAT_HAPPENED | preview}}...

Read more