I took a 12 month no interest loan from Newegg through Synchrony bank. I made 11 payments via direct payment. When the last payment was due, I contacted Syncrhrony to have the last payment made (30 days before it was due). They told me to make the payment via their website. But I told them I could not get into my account because Synchrony had made changes to their system and would not allow me into my account. The Synchrony rep told me this was a problem and that many account holder were having the same problem. She told me that she could take my bank account number and routing number and make the last payment for me. I gave her the info and then forgot about it. Later, I got a notice that the payment was rejected by my bank and that I was being charged $30.00 for the reject. I called my bank and they told me that Synchrony had not tried to debit my account. I then called Synchrony, both by phone and then by chat. After a lot of back and forth, the rep finally said to me (by chat) "As I understand you have a query about the return payment fees charged, I would like to inform you that it was charged due to a payment return as the payment was returned due to mismatch of the bank account number entered at the time of payment. Unfortunately, as this is purely system based, we are unable to remove the fee from our end due to the process limitations even at the manager level as we can work only on an late fee. We apologize for not meeting your expectations at this time." I told the rep that the Synchrony rep wrote my information down wrong and now Synchrony wants me to pay $30 for their mistake. The rep then told me (by chat) "I can understand how frustrating it would be for you. We are sorry for your experience. Since this is automatically charged, we do not have an option to over ride even at the manager level." Inotherwords, Synchrony is not at fault. I am. For paying off my account 30 days early. And by having a rep handle the transaction instead of the normal debit proceedure. The chat rep then said "we suggest you reverify your bank details before sharing it with us. This is insane. I have NEVER heard of anything as stupid as this before. The bank makes a mistake and their customers have to pay for their mistake. If I was Synchrony, I would make mistakes all day long and get rich! Oh wait ... they ARE RICH! Wonder why?
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Synchrony is a consumer financial services company headquartered in Stamford, Connecticut, United States.