Synchrony Bank
Reviews and Complaints

Good afternoon,

This email will serve as our proof of communication regarding the Chevron account ending in #6921 (note account ending in #3092 was canceled years ago).

This has been an exhaustive and frustrating process with Synchrony Bank and our Chevron account. The situation has been going on since August 2022.

The most recent letter from Synchrony Bank dated 11/15/22 indicated that "after researching our request, we found the payment in question has not been credited to your account. To assist Synchrony Bank in resolving the matter, we will need documentation of our payment."

We already provided Synchrony proof of payment in our faxed letter and transaction history from our banking institution, Valley Strong Credit Union. The fax was sent and received on 9/30/2022.

Apparently, that was not proof enough that we paid the amount of $560.24 in full so Synchrony sent another letter to us on 11/15/22. After receiving that letter we went to our bank (time-consuming on our end) and had a letter drafted with proof of payment with ACH tracking numbers for the original complaint made back in August 2022 (Please contact Juan Gonzales Assistant Branch Manager at Valley Stron Credit Union [protected].)

Synchrony Bank was provided via fax on 11/19/22 with several documents indicating our payment and receipt of our payment in question from our banking institution, Valley Strong Credit Union.

Attached you will see the documents that were faxed to the number provided on the 11/15/22 letter from Synchrony Bank [protected].

The next communication should be between Synchrony Bank and Valley Strong Credit Union Juan Gonzales Assistant Branch Manager

[protected].

If your harassment continues, we will be forced to obtain legal representation. We have multiple accounts with Synchrony and it should be easy for you to see we are loyal customers with an outstanding credit record.

Communication is difficult, no replies confirming fax received. Letters sent to the house reference an old account number (ending in 3092.) Lackluster professionalism. Feel free to call me at [protected] or my wife Wendy [protected] (I give her permission to speak on my behalf.)

I found out today when I went to pay the vet bill that they had closed my CareCredit card as I was considered high risk. It has a balance of $1400 and I make auto payments so I've never had a late charge in 15 years. I went through a bankruptcy when the card was issued. Didn't seem to be a problem then!

No notice at all (even though I was told a letter was sent).

Horrible

On September 29th 2022 I purchased something using Pay Pal credit, it was a special purchase agreement for $124-09 with monthly payments of just over $20. I paid $80 off this leaving a balance of $44-09 due by April 4th 2023. I always pay as much as I can to clear my balance asap. However I was then hit with a $30 minimum payment due by December 4th. According to everything I have read in the terms of agreement, regular purchases are assessed a minimum payment of $30, excluding special purchase agreements. I have spoken to multiple agents online and they still tell me I have to pay the $30 minimum payment. One agent told me I had no special purchases, if I had a special purchase then I was correct, only $20 would be due. I sent proof this was a special purchase and she still said I had to pay the $30 minimum.

I asked that this be sent to arbitration because it is clear that you are not abiding by the terms of the agreement, I was told I can not take this to arbitration, something your agreement states otherwise. I have now closed my account because Synchrony is clearly not honoring the agreements made using Pay Pal Credit.

I have had a Sam's Club credit card for several years and earned points on it to use towards my purchases. I never received a new card when my card expired. I have made 4 seperate calls to Sycrony Bank and spoke with 1. Elsie 2. Shanay 3. Darrell and 4. Jorden. Each agent told me a new card would be sent in 10 days. This has been going on since 8/22.

1. I cannot stay home to sign for a Federal Express delivery

2. They would not send it to my apartment complexes management office who would sign for it for me

3. They would not send it to my local Sams Club in North Richland Hills Texas.

I don't know what else to do but file a complaint here and with Sam's Club Member Services. Even Sam's Club Member Services put me on hold. They gave me a call back option which they did right away and now I am on hold again. This has been 50 minutes between the 2 hold times

I will also contact the Better Buisness agency.

I don't know what else to do at this point. Christmas is coming and I am missing out on my points. As a recent widow I take advantage of my points.

I welcome any suggestions

i explained all on the top line how credit care don'tiont care. and is giving us 0% on the 500.00 charge and not the 6,853.00 and that charge is first om the statement the 500.00 was charged the same day because the dentist office forgot to add it in my dental plan ... so not happy... thank you for any help date of transaction fot both charge was on 9/26/2022 at Rotem dental in toms river I feel the O % interest rate should have gone in the larger amount like is was told... I called the care credit today and they said they can't help me .. so I am making the complaint

Account holder for 5+ years, every payment on time. In September 2022, I charged a large purchase to the account, paid early, and charged another large purchase. I paid well before the due date so I would have enough credit for another large purchase. I also paid off this 3rd large purchase in October 2022 well before the due date. The account was then forcibly closed and no one I could get on the phone would/could do anything about it. The algorithm decided I wasn't going to pay my bills and closed the account. I have nearly $600 in rewards showing on my statement but not properly credited - which I am told are forfeited on account closure. Not only am I losing this money, now my credit history gets a bad mark because this account was "closed by issuer."

I am a longtime customer of Synchrony and have 3 accounts. For 10 days now I cannot log in to my account as something is going on with the login page.

Can someone please tell me what's going on? I'll not wait much longer before I move my HYS and Money Market accounts to another bank. This inconvenience is unacceptable. Please respond to this complaint.

David Prince [protected].

I have contacted you twice with a complaint about the Synchrony Bank. They were repeatedly emailing me and calling me to tell me I owed Paypal $94.00. I wanted them to stop contacting me. The calls did stop. However, today, they called me with a number to call and an address. This is the third time I've filed a complaint with you about them. I want them to stop calling me once and for all. I do not use Paypal. I do not owe Paypal any money. I am fed up with this harassment. It has to stop.

Good Morning,

I have a major complaint to file. I was first a customer of care credit and made my payments on time. Last year I fell behind due to financial struggles related to the economy and medical issues. I called last December to agree to close the account and pay half of the balance. I scheduled for 2 payments and they told me they will get back to me to schedule more payments later on because I was told synchrony couldn't do automatic payments. I made a payment for December and January, but no one contacted me. I thought at this point it was auto payment so I never bothered to call. No one contacted me until late June, I received a letter stating that I missed payments so I have 2 weeks to make a payment of the full amount. So originally I called to complain and said I thought the payments were being made. The first guy didn't know what was going on and recognized that no one attempted to call me to make any payments after January. He directed the call to a coworker who was supposed to help me, where in the middle of the call he just hung up on me and did not attempt to call back. Then it took about 2 weeks for a manager to call me back to address the problem. Then the manager told me they had reached out in February to contact me but failed to say whether it was a phone call or letter. So now I have your company hanging up on me, lying to me, and failing at their job. At this point (July) I said I don't want to make anymore payments, Synchrony broke their deal, I would have already been nearly paid off if Synchrony just did their job and upheld their end of the agreement. In September I received a letter in the mail stating that the account had been settled, also on my credit report it reflected the change. Now I received a letter stating the previous letter is an error and I still have a balance to pay off. So after a phone call where no one can help me other than trying to make a payment, I am through with this. I am not paying because not only did your team failed to schedule payments, they lied to me, treated me horrible, are impossible to resolve any issues with, built anti trust with me, lied to the credit Bureau, can't handle anything right, and now I still have a balance which would have been paid off completely to the original agreement IF the staff would have just done their jobs right to begin with.

I had paid off my Care Credit account in August for dental work. I made payments as a guest on the Care Credit WEbsite, and wrote down confirmation numbers for all the payments I made. I finished the payments and recieved my final reciept.

In October 2022, I incurred a charge from my dentist for yearly cleaning. The dental receptionist said that I had credit on my account and they would charge the card for the cleaning. To which I agreed. The next day the dental receptionist could not find the account. Synchrony Bank closed my account and lowered my credit line without notifying anyone. Synchrony bank has not been sending email notifications properly. Synchrony Bank refuses to disclose the reason for their decisions to provide credit for medical services. Synchrony Bank has stated 3 different sums of money that they say I owe from the dentist. None of them are correct. Synchrony Bank refuses to raise my credit limit above $150. Without notice and without reason.

When I disputed the charge they removed $300 in late charges. Yet still continue to state a different amount than the last email I revcieved. Which was Oct 7 2022.

Paid monthly payment for October 2022 MC Synchrony account with two checks in one envelope, only one was posted. Had to pay bank to stop payment on other check. One check was from my bank, and they posted it, but one check was my husband's account from a different bank and his name is different than mine, MC does not know what happened to his check and did not appear to believe we mailed two checks. He has his carbon check copy.

A few weeks ago I began to receive emails from Synchrony Bank claiming I owed Paypal $94.00. I told them I didn't as I hadn't used Paypal for anything in the last month and for them not to email me anymore. They continued to email me. I called their number [protected] only to get an automated system which told me to press 1 for English which I did. Then I was told the next available representative would be with me. I immediately smelled "scam" and hung up. I did file a complaint with you about the emails and the emails stopped for one day. Then they began again. I opted out of them emailing me. Today they called me using Spam Risk and left me a number to call out of Utah. I highly resent this. I view this as harassment. That is not the way Paypal operates. Paypay contacts a person directly with a bill. No bank tells you to wait for an available representative. I am fed up with these people and hope you will do something about them.

I have had 4 accounts through this company no missed payments no late payments for 2 years even paid my accounts off earlier then promised and I received a letter in the mail saying they canceled my mattress firm account then my Ashley account and they lowered my JCPenny account from 11000 to 100 and boscove to 100.00 without any warning or reason I would never suggest any of these retailers who have synchrony as there credit

They insist I owe Paypal money. I haven't used paypal in quite some time. When I called the number they had listed, it put me on hold for the next available representative. I did not get to talk to a person right away. This is not how banks work. I know this is a scam. They keep emailing about this. I have told them to stop emailing me but they refuse to do so. They want me to make a payment which I refuse to do.

A payment was made of $200, on August 24, 2022 and I received the Receipt that it was and after a month I deleted the Receipt, but now, October 2022, Synchrony Bank says it never received it. The payment was done online with my Bank and the Bank shows, with a routing number that it was sent to Synchrony Bank, but Synchrony continues to dispute that even though my Bank has sent them documentation. So essentially Synchrony is stealing $200 from me, even though I continue to send them documentation.

I received a letter that I was not credit worthy for the credit card I have with them. They lowered my credit from $4500 to $250 after I paid off the balance of it a month earlier than the promotional purchase was. I paid the card on time every month and more than the minimum payment. Instead of being rewarded for payment I have been punished for being responsible in my payment history with them. This is complete crap and it looks like they do this to a lot of people. I can promise you that I will not recommend their matress store to anyone again, and I have sent many people there. They just lost a loyal customer!

I just found out last week via snail mail that 4 of my accounts : tj maxx, care credit , PayPal and Amazon were recently closed due to being considered a “high risk”. I don’t understand why I this happened and am left with confusion. First, I’ve held an Amazon account for many years and always paid on time. Next my care credit account has a zero balance. My tj maxx account also has been up to date being on time with my payments and never once defaulted. Lastly I’ve been with PayPal since they were known as Bill Me Later. Again, never defaulted and paid on time. I’ve worked so hard to build my credit and even through the pandemic, I’ve managed to still continue to pay on time. Which is how I’ve managed to raise my credit score. I think it’s unfair and how loyal

Customers are being treated. They shouldn’t be able to have the opportunity to ruin or endanger someone’s credit just because they feel like it. They should take into consideration the years of loyal service and of payment history before making such a negative impact on someone’s credit.

Samsung Refridge item#1295698 price 2,049.00, $184.97 3yr warranty plus $165.04 taxes. Item delivered 3 days later, installed and we were told by the following morning everything was programmed and should work perfectly, well, it did not...leaked water, would not stay on for more than 30 minutes, we lost $100 worth of food. We went to the Bobby Jones location and told them to get it out of home ASAP. At that point we found a new LG model Refridge LRSD52706S/00 for $1,999.00 plus tax and our warranty was to be transfer to new LG refridge(never happened). Oh, and the sales person entered all the info into their computer and could not provide a a receipt at that time. Contacting anyone is a nightmare, we are seniors, my husband is a disabled Vet, we filed two disputes without any success or conversations. All we want is a correct bill from Synchrony with correct charges, funds returned for warranty on Samsung product that we do not have and some accountability for this 3 months of hell, we have gone through .

Received 2 phishing scams . . . 10/14 and 10/15

-----Original Message-----

From: =?UTF-8?Q?[protected]@cs-=E1=B4=80=E1=B4=8D=E1=B4=80=E1=B4=A2=E1=B4=8F=C9=B4.=E1=B4=84=E1=B4=8F=E1=B4=8D

Sent: Saturday, October 15, 2022 6:30 AM

To: [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; w.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; j.[protected]@sbcglobal.net; jeff.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; l.alan.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; aritha.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; manish.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; brit.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; a.j.k.[protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net; [protected]@sbcglobal.net

Subject: Account Suspension

Importance: High

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𝖧𝖾𝗅𝗅𝗈,

𝖳𝗁𝖾𝗋𝖾'𝗌 𝖺 𝗉𝗋𝗈𝖻𝗅𝖾𝗆 𝗐𝗂𝗍𝗁 𝗒𝗈𝗎𝗋 𝖠𝗆𝖺𝗓𝗈𝗇 𝖺𝖼𝖼𝗈𝗎𝗇𝗍. 𝖶𝖾 𝗁𝖺𝗏𝖾 𝗍𝖾𝗆𝗉𝗈𝗋𝖺𝗋𝗂𝗅𝗒 𝗉𝗅𝖺𝖼𝖾𝖽 𝗒𝗈𝗎𝗋 𝖠𝗆𝖺𝗓𝗈𝗇 𝖺𝖼𝖼𝗈𝗎𝗇𝗍 𝗈𝗇 𝗁𝗈𝗅𝖽 𝖺𝗇𝖽 𝖼𝖺𝗇𝖼𝖾𝗅𝖾𝖽 𝖺𝗇𝗒 𝗉𝖾𝗇𝖽𝗂𝗇𝗀 𝗈𝗋𝖽𝖾𝗋𝗌1pfg2Kt

𝖶𝖾'𝗏𝖾 𝗌𝖾𝖾𝗇 𝖻𝗂𝗅𝗅𝗂𝗇𝗀 𝗂𝗇𝖿𝗈𝗋𝗆𝖺𝗍𝗂𝗈𝗇 𝗇𝗈𝗍 𝗆𝖺𝗍𝖼𝗁 𝗐𝗂𝗍𝗁 𝗍𝗁𝖾 𝖼𝖺𝗋𝖽 𝗂𝗌𝗌𝗎𝖾𝗋. 𝖬𝗂𝗌𝗌𝗆𝖺𝗍𝖼𝗁 𝖻𝗂𝗅𝗂𝗇𝗀 𝗂𝗇𝖿𝗈𝗆𝖺𝗍𝗂𝗈𝗇 𝗂𝗌𝗌𝗎𝖾 𝗈𝖿𝗍𝖾𝗇 𝗁𝖺𝗉𝗉𝖾𝗇 𝖺𝗇𝖽 𝗐𝖾 𝗇𝖾𝖾𝖽 𝗍𝗈 𝗍𝖺𝗄𝖾 𝗍𝗁𝗂𝗌 𝖺𝖼𝗍𝗂𝗈𝗇 𝖿𝗈𝗋 𝗒𝗈𝗎𝗋 𝗌𝖺𝖿𝖾𝗍𝗒 𝗆𝖾𝖺𝗌𝗎𝗋𝖾𝗌.

𝖶𝖾 𝗇𝖾𝖾𝖽 𝗒𝗈𝗎 𝗍𝗈 𝗏𝖾𝗋𝗂𝖿𝗒 𝗒𝗈𝗎𝗋 𝗂𝗇𝖿𝗈𝗋𝗆𝖺𝗍𝗂𝗈𝗇 𝗍𝗈 𝗋𝖾𝗆𝗈𝗏𝖾 𝗋𝖾𝗌𝗍𝗋𝗂𝖼𝗍𝗂𝗈𝗇 𝗂𝗌𝗌𝗎𝖾 𝖿𝗋𝗈𝗆 𝗒𝗈𝗎𝗋 𝖺𝖼𝖼𝗈𝗎𝗇𝗍.

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𝖵𝖾𝗋𝗂𝖿𝗒 𝖠𝖼𝖼𝗈𝗎𝗇𝗍

𝖸𝗈𝗎 𝗇𝖾𝖾𝖽 𝖼𝗈𝗆𝗉𝗅𝖾𝗍𝖾 𝗒𝗈𝗎𝗋 𝗏𝖾𝗋𝗂𝖿𝗂c𝖺𝗍𝗂𝗈𝗇 𝗐𝗂𝗍𝗁𝗂𝗇 𝟥 𝖻𝗎𝗌𝗂𝗇𝖾𝗌𝗌 𝖽𝖺𝗒𝗌. 𝖠𝗅𝗅 𝗈𝗋𝖽𝖾𝗋 𝖺𝖼𝗍𝗂𝗏𝗂𝗍𝗒 𝗐𝗂𝗅𝗅 𝖻𝖾 𝖼𝖺𝗇𝖼𝖾𝗅𝖾𝖽. 𝖮𝗇𝖼𝖾 𝗒𝗈𝗎 𝗏𝖾𝗋𝗂𝖿𝗒 𝗒𝗈𝗎'𝗅𝗅 𝖻𝖾 𝖺𝖻𝗅𝖾 𝗍𝗈 𝗋𝖾𝗀𝖺𝗂𝗇 𝖺𝖼𝖼𝖾𝗌𝗌. yMIxeg

𝖶𝖾 𝖺𝗉𝗉𝗋𝖾𝖼𝗂𝖺𝗍𝖾 𝗒𝗈𝗎𝗋 𝗉𝖺𝗍𝗂𝖾𝗇𝖼𝖾 𝗐𝗂𝗍𝗁 𝗈𝗎𝗋 𝖺𝗅𝗅 𝗆𝖾𝖺𝗌𝗎𝗋𝖾𝗌.

B𝖾𝗌𝗍 𝗋𝖾𝗀𝖺𝗋𝖽𝗌,

𝖠𝗆𝖺𝗓𝗈𝗇 𝖲𝗎𝗉𝗉𝗈𝗋𝗍 𝖳𝖾𝖺𝗆

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10/14/2022 I've applied for the store card a month ago or so and didn't get the first card. I called and reported that I did not receive the first card, so you canceled that card and was suppose send out another that was supposed to be delivered yesterday 10/14/2022 but hasn't arrived. I don't know if it was sent out or not, but it does concern me as to how and who is responsible for this to continue to happen. The person that is responsible for this should be fired and you as a corporation in the financial world needs to hire someone that can handle this type of responsibility.