Review Time
If you have any cards under this banking institutions umbrella, get rid of them. I'm speaking of lowes ,ebay,Verizon and many many more companies that use them for their credit cards. I had 7 accounts under their brand. A stop payment glitch on a payment that I didnt initiate had them returning all my on time payments claiming insufficient funds. When in fact there was and my bank never recieved any submitted for payments I was making on time. It was their error but reported all these non payments to the credit bureaus resulting in my credit score dropping from 770 to 640 in 30 days. I called and called but they did nothing. I shredded every card I held that was under Sychrony bank. Including my Lowe's pro account and many others. I paid off every balance I had with them and cut every card into the smallest pieces possible and sent them in the mail. I paid my bills on time always. And due to a mistake they made cost me the aggravation. They wouldnt retract the negative info even after realizing I had been paying my accounts. They should be shut down. Many large retailers have dumped them such as Walmart and others. Im looking into any legal action I can take against them.
The cheapest sofa I ever bought. Disappointed in the quality and structure of the material. I’m embarrassed that this junk is in my house. Please come pick it up. This company will report your account balance to the credit buero before your payment date. So if you walk out of the store owing 1000$ and you don’t have to pay for 30-45 days they will report what you owe even before the due date. It seems to be an underhanded way to keep you on the hook for buying products that are obviously different from what’s in the store. Please come get this hideous sofa set!
I work in customer service for a retailer that sells furniture & we use synchrony. Their billing is confusing to a lot of people & it costs me customers therefore also costing Synchrony customers. Our big ticket items are delivered a few months after the purchase & smaller items customers take with them. Synchrony bills people after they receive the item. We tell customers this. The problem is when Synchrony sends them an ESTIMATED bill with their synchrony card. The customer sees the amount of the items they took with them & think that is their monthly bill. They then call yelling wanting to cancel their orders. I deal with this EVERY day. 1st DO NOT send people any kind of "estimate." 2nd dont assume your customers are financing paying professional, & act like this is the 1st bill this person has ever received. The bill should clearly state their min payment due. The payoff amount (total balance) should be something they see if log in to their account or at least be in smaller print & not confusing people to think this is their monthly payment. If Im offering 36 months equal payments no interest & I sell $3600 worth of items, the customers bill is $100/mo. If the customer takes $600 worth of items now & the other $3000 is being delivered in a few months, DO NOT send anything saying they owe $600 or a $600 "estimate." Customers freak out & think they are going to owe $600 every month. It happens all day everyday. Send them a bill with MIN payment due in big bold letters. I dont even think the balance should be shown, or if it is then it should not be presented in anyway that could make a customer think thats their monthly payment. The pay off amount (total balance due) is something that should be smaller print, preferably not even on their bill. That should only be seen in a completely different section of the bill, app, or website & could no way be confused as their monthly payment
They are showing pastdue payment when payment was made early. Plus they want to add past due amount for missed payment. Unable to speak with anyone that understands the difference between early and late. Supervisor I spoke with refused to help and keep repeating payments are due monthly and would not acknowledge their own records show I have made more than the required amount each month since I opened the account. I do not recommend and will close my account a.s.a.p.
There are many issues with Synchrony online savings bank. I just found out there is a limit of $100,000 transfer where they put a hold on any transfers for 30 days. There is also a daily limit of $25,000 on transfers. Also, CDs auto renew and there is no way online to specify you don't want auto renewal. You have to actually call 30 days before to not have it auto renew. It is basically a way to keep you locked in to Synchrony. I have accounts with other online savings banks and no issues like this. Synchrony is the only one.
I had 5 cards shut off out of the blue, credit limit combined was 60k. Never missed a single payment. Never was late, and kept my balance manageable. Credit score reported under there websites was a 735. Will never use Synchrony again, that's a PROMISE!
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Synchrony is a consumer financial services company headquartered in Stamford, Connecticut, United States.
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