Synchrony Financial

On February 28th I received an email reminder to make my February payment which I thought was odd since I had already paid the bill earlier in the month. I made my payment ahead of schedule (again). I logged into my account to find that I had a $30 late fee. I called Synchrony’s Customer Service line and confirmed my payments are due by the 27th of every month. HOWEVER, payments prior to the 4th of the month is considered an “early payment” and that a payment is still due by the 27th. The gentleman was kind enough to reverse the fee and assured me this wouldn’t hit my credit report.

I appreciate the service I received and quick resolution. However, I wanted to report the concern as I feel this is predatory practice by a Synchrony Bank. If the statement date is the 27th of each month, and a customer makes a payment in advance to that date, then it should be viewed as an on-time payment and therefore shouldn’t be assessed a fee. I plan on paying off my remaining balance in March, but would not recommend Synchrony Bank to anyone. And it appears they have a history of assessing late fees to its customer even when it’s not warranted.

On 2/21 I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that Renita had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said Renita was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied.

What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction? I have never received an email or letter indicating my $200,000 had been transferred or cancelled from my bank. Synchrony has not allowed me to speak with a senior official, despite my repeated requests.

Tony **

3. They provide false and incorrect information, basically a polite way to say (** off, go talk to someone else).

5. They refuse to set up a supervisor call back (which is a must have function to ALL financial companies). In another words, if you have an unauthorized transaction - you would have to deal with it on your own. I have never experienced anything like that from any credit card company for the past 20 years. So far - this is the worst bank to deal with after Citi.

As of 2/21 I have talked or chatted with at least a dozen different people. They acknowledge that I did their job by getting the evidence. They acknowledge that it was wrong to advise me to dispute the charge. They then just quote policy as to why no one will directly contact Amazon, since clearly the process has broken in the case, no will anyone take responsibility to follow up with me. I receive automated phone calls that don’t say anything. I am furious. I am absolutely dumbfounded that no one will accept responsibility or follow up. Also, I replaced the iPad at a competitor and have purchased at least $1500 in other items from competitors since this hasn’t been addressed. I have told Synchrony's customer service that, and they do not care that business is being lost.

Did you Synchrony Bank forget that everyone is suffering from the fallout of Covid 19 and still recovering and I am still trying to find out how they received a credit report when my account has a fraud alert on it from the breech of a certain credit reporting agency and had a freeze on it? Neither Synchrony Bank nor Transunion had permission to access my account without calling me (Transunion and asking my permission if my credit report could be accessed by any company), so one of these companies also broke the law, that is criminal.

I also stated to the representative why I didn't receive notice of this decision via mail, phone, email or text from Synchrony Bank, the young lady stated one was sent out, I stated to her no, I never received any type of notification from Synchrony Bank stating my account had been closed, the representative stated to me that she would email me one today, I stated to her, no, I didn't want it, it was too late for that now, I already knew. I want to say to you Synchrony Bank, what you did was criminal, dirty, underhanded and sneaky, if this is the way you treat loyal customers after over three years I want to warn and let anyone and everyone know that based on your character and treatment towards me you are not worthy to be in business, your account is closed.

I have been going back and forth with Care Credit on the same issue that is still not resolved to this day (Feb 1, 2023). Aug of 2022 I was upgraded to the Care Credit MasterCard, which was an awesome way to show their appreciation for my being a good and loyal customer. They automatically closed the old card and sent me the new card. They did a balance transfer from the old card onto the new card, and I thought everything was fine.

A couple of months later, I started getting collection calls, so I called the customer service (or lack thereof) number. I attempted to find out why that closed card was showing a debt. For 5 months now I have been told that I made a purchase on the old card and I know for a fact I did NOT! They could never tell me the name of the merchant or any detail of the purchase other than the amount. I have talked to countless reps and managers, having to explain the whole ordeal to each person with multiple transfers for 5 months now.

I have put in several dispute claims. When I would call to follow up with the claim, it was never put in, time and time again. I have recently come to find out that it wasn't a purchase that was made, but a mistake made by one of the incompetent CSRs. This issue has still not been resolved and I am told it will take up to 30 more days for them to respond.

This is absolutely unacceptable and no one seems to care about resolving my issue. One of which could have been resolved or not even happened 5 months ago, if they had competent workers. No one has contacted me to apologize or follow up to let me know what is going on with my case. No one has addressed my many complaints about the multiple reps and managers that I have had to endure for 5 months. They should really be ashamed of themselves!