Miss M Swq

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Verified Reviewer

Demand proof of promotional pmts and adjustments

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IS IT A SCAM ? I had several interest free promos in the past few years through Lowes/Synchrony Bank.

Whenever I paid then in store, or by phone, I would have to call in, and confirm the payment, could they see it, and allocate it, and tell them to remove the interest. Many times, I would double check, and they said all was fine/paid etc. I started to notice my bill and pmts. had skyrocketed.

I called, and they told me nothing wrong. Then, I started to wonder if they had not deducted the promos I paid from my balance. I called again yesterday, and was told that the promo payments I made were not allocated properly. I reiterated, so it was your fault ?

Yes, she said. She said she could see that I made the specific promo payments. When I asked where they went to, I was told "elsewhere," with no specifics. WHERE?

She said she did not know.

THEN, I was told that I still owe on the expired promotions I PAID, THAT EXPIRED. I was in total shock !! Where did my payments go to ? How could they remove the interest when I called, and not credit the promo payment due, accompanied by the interest ?

Did someone reset my whole account? I called so many times in the past. The Synchrony account mgr on a Saturday told me, Nothing she could do, and multiple fake I'm sorrys. She said there was nobody higher to look into it, and it will take 2 weeks to get copies of my statements.

NO HELP ! A NIGHTMARE ! I Called Lowes Corporate twice, and they just put me to Synchrony automated system, the same place that denied me HELP. IS IT A SCAM ?

Why am I paying on all the pmts. I ALREADY HAD MADE ? How did they remove the interest, but not deduct the Promo payment from the balance ? How is it every time I called to check, nobody told me in the past verbally, or by letter, that NONE of my promos were being paid/deducted?

I know my regular balance was far less than the promos, and is still there.

IS IT A SCAM, LOWES ? IS IT A SCAM, Synchrony Bank ?

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Loss:
$5000
Cons:
  • And potential scam
  • Lies
Reason of review:
Promotional payments not allocated, though I called every time for Synchrony to do so

Preferred solution: For them to credit and deduct my intended payments

Diane H Nhu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Do not use them

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They are rude to customers if you can ever get thur! I Followed procedure and submitted problem in writing and no one ever got back to me. I actually faxed/emailed it 2 x no response! When you finally get thur after 3 months. They wont help you because it has been more then 30 days. So now I have to pay over 350 in interest because I havent been able to get logged into my acct. Do not ever use this bank! They are only interested in charging people extra interest!!
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Loss:
$400
Reason of review:
Can’t ever log in to make payment. Couldn’t pay off in time because of. Can’t ever talk to anyone in timely manner. Rude customer service. Outrageous interest charges!

Preferred solution: Price reduction

QueenBee

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

This card sucks!

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So not only are there multiple synchrony credit cards with multiple logins to access your account the customer service sucks too! Not able to look up a statement online from 2018. They so graciously told me they would send it in the mail but expect it in 7 to 19 business days....WTAF? Are we still in 1990? Needed to verify a payment made in 2018 immediately not in 7-19 days. Wasted about 90 min on this ***
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Pros:
  • There are no pros to synchrony bank
Cons:
  • There customer services are way outdated

Preferred solution: Deliver product or service ordered

Anonymous
map-marker New York, New York

Trying to find lout what happend to my loan payment

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Your *** right I’m pissed I want to know what happend to my January payment. Your statement said I owed 000.00 but I sent 200.00 anyways to stay ahead then this other company took over and they are saying I owe for February and March so what the *** happend to the payment I sent for January if I owed 0 and sent 200 that should have more then covered my February payment I want some *** answers or I am calling a lawyer and will own your *** bc I have the proof of it all
View full review
Loss:
$200

Preferred solution: I want my payment put towards my loan

2 comments
Guest

You do remember that when signing on with this place, YOU agreed to arbitration? Please tell us you read what YOU signed.

Nein, you didn't hence your banal and lame lawyer threat. "You must work for them."

Guest

LOL... Thanks for the laugh....

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Marquan Ayj
map-marker Tijuana, Baja California

Can’t access my acct

I need to make a payment. Thank you
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1 comment
Guest

Not a good bank to deal with

Barbara B Caa

Payment

I have always called and used the automotive system to pay my bill. Well it seems today theres no # to do so. But I bet you will charge me a late fee if I dont get through to you. My fault right?!
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Preferred solution: To pay my bill which is due tomorrow

Anonymous
map-marker Natick, Massachusetts

Texts

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I am 2 months asking for the link to access the bank because I forgot my ID and password and I can't pay my card. the communication is not good because we do not speak the same languages it is making me upset I have the money to pay r I can not.
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Anonymous
map-marker Florence, South Carolina

Not crediting my payment

I paid off my promo and it says I did not. Now they show interest on that promo. I have confirmation email from them to show payment was made. Whats their deal to rip off people like this? Will file a legal complaint if not corrected asap
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Bienvenido C

To check their credit card payment.

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I received a bill from Synchrony bank for $28.00 due Feb. 25, 2020, with the balance of $295.87 and $4.00 to spend.

Immediately I send them a USPS Money Order of $50.00, I check if they received the payment. I have the surprise that they keep asking for the same amount, with the same balance, they didn't deducted the payment from the balance, I contacted them by the internet they verified that they received the payment on January 11, 2020, and they didn't posted cause I didn't mailed after Feb.2, 2020. and our chat keep on all with negatives answers. I ask if I was late I get a penalty, but if I mailed earlier, you keep the money?

You do not deducted from the credit card balance?

His answer I'm Sorry but this is our policy, I said no one told me, that If I mail the payment before due date, your keeping the payment. again his answer: I'm sorry, I place a note in you account.

View full review
Loss:
$50
Cons:
  • Being given the runaround
  • Unfair payment policy can not pay before due date
Reason of review:
Problems with payment

Preferred solution: Let the company propose a solution

Marc G Rli
map-marker Austin, Texas

Bill info

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Called for assistance making my payment got transferred 3 times and got hung up on
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Anonymous

Be careful

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Synchrony Bank - Be careful
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Synchrony Bank - Be careful - Image 3
I’ve been getting what I now believe are scam emails. I’ll just start deleting them. These are the emails so far.
View full review
Cons:
  • Terrible company
Reason of review:
Phishing emails
Nicole W Jwp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

I was declined credit card

I really need this credit card to pay for my car bill, and I was declined and I would like to know why I was declined
View full review
Loss:
$306

Preferred solution: An explanation

2 comments
Guest

C'mon. You know why you were declined, don't you?

Yeah, you know why. You thought you could put one over on an outfit like this one. What is it, do you have a bunch of their one-off cards from a variety of stores? If you don't have a clue, they'll help you out.

You'll get a nice letter explaining it to you. When you get that letter, take the opportunity to pull a REAL credit report. No, not something from one of those "credit builder" sites. Your letter should tell you how to get one, FREE.

Get the thing, look it over for errors. If you find errors, start working on fixing them. IF not, you'll have to live with your credit for a few years until things get better.

Be glad you didn't get approved. I can guarantee that a year from now, you would be back here whining about how they "took advantage" of you or "caused your score to drop" as they reduced your credit limit for any number of reasons.

Guest

Well to be honest don’t you think you have the answer? Obviously you float your bills and have a not so great credit score and given the info you have given them plus the read only notes from your previous creditors it can be surmised that you are far too much of a risk to have as a customer.

Simple really.

You’re living outside of your means and you’re using other poke money to do so. Get a handle on your budget, cut some costs and live out of your own paycheck instead of a 18-33% interest rate.

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Anonymous
map-marker Elizabethtown, Kentucky

I want to pay on my promotional

Nothing happened because no one answered my call. I have a promotional I would like to pay on, how is this possible when no one answers my call? Originally I would go to your website, but theres no place to pay my bill and have it applied to my promotion. I will pay my promotional, and send you a letter, asking for the payment be applied toward this particular promotional.
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User's recommendation: I understand that their are limited people answering the phones, please make paying promotionals on your website.

Maille Alc
map-marker Brooklyn, New York

To find out your fax number to send police report over because I reported fraud

I just need your fax number
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Anonymous
map-marker Brooklyn, New York

Dramatic credit reductions.

I read reviews on YouTube. The late fee &;;; other penalties make sense. But it doesn't explain the sharp decreases with spending limits. It would be great to consolidate their credit alone or banks we don't like so we can build ours. Synchrony distributes false credit
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