ComplaintsforSynchrony
Credit Cards and Plans
Additional Complaint Information
Customer Complaint:
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In addition, please understand you may file a complaint with your BBB at any time during this process. It is Synchrony's hope to resolve the matter in an expedient manner.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
07/31/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
They have been telling me a check is in the mail. I never received it. They are not doing anythingBusiness response
08/02/2024
We're working to resolve this matter as quickly as possible and will let you know the outcome. We ask that you allow up to 60 days for us to complete our review of this claim. Once the review is complete we will respond to you through the BBB.Customer response
08/02/2024
This matter has been resolved. Thank youBusiness response
08/05/2024
August 5, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 31, 2024. I appreciate you bringing this matter to my attention.
A credit balance refund check of $74.56 was mailed to you on June 5, 2024. This check was cashed on June 11, 2024 as a mobile deposit for $74.56. I have enclosed a copy of the check for your convenience.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony Bank
EnclosureInitial Complaint
07/31/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
On 4/21/24 I ordered a sweater from ********* for $47.28, order number **********, and paid for it using my J Crew store credit card. On 4/29/24, I returned the sweater to the ********* location in ******** **, and received a refund to my personal credit card. On 6/12/24 I got an email from Synchrony Bank saying that I had missed a payment for my J Crew card on 6/11/24 for $47.28. I reached out to J Crew customer service, thinking maybe the refund hadn’t gone through, and that’s when we realized that I had been refunded to my personal credit card rather than my store card. The ********* location emailed me a copy of my return receipt to confirm this, and then also sent me an e gift card for $47.28. I thought the point of this gift card was to pay off the balance for my store card that I don’t technically owe, but after talking to Synchrony Bank, they said that wasn’t possible that I personally am responsible to pay them the $47.28. I started a dispute and they investigated it, and just received their resolution on 7/29/24 saying that I still owe them the $47.28 in spite of the fact that I returned that sweater and received a refund for it. I don’t believe that I owe this money, and don’t think it’s fair to expect me to pay it and instead have $47.28 tied up in store credit. I would be happy for the e gift card to be voided and would just like this charge erased from my J Crew credit card with Synchrony Bank since I received a refund for the initial purchase amount. I believe this mixup happened because J Crew changed banks and sent me a new store credit card to an address I haven’t lived at in years, unbeknownst to me, and therefore probably couldn’t process the refund to my then-void store credit card. This seems like an unfortunate mixup, but a mixup on their end, and not my financial responsibility.Business response
08/08/2024
August 8, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 31, 2024. I appreciate you bringing this matter to my attention.
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account.
The address on your account does not match the address on your inquiry. Please contact customer service directly in order to update your account records, if necessary.
We are pleased to inform you your dispute involving the purchase made on April 25, 2024, in the amount of $47.28, has been resolved in your favor. A credit was applied to your account as of August 2, 2024, for the amount of $47.28. A notification letter was sent on this date to the mailing address on the account. This will be reflected on your August 2024 billing statement. Additionally, late fees and interest charges totaling $30.62 have been removed, bringing your balance to a credit balance of $0.26. For your convenience, I have enclosed a copy of the notification letter.
In your correspondence, you indicated you had previously not received the card for this account. Your credit card was opened on May 19, 2019. As of April 30, 2024, your J. Crew account is serviced by Synchrony Bank. On May 12, 2024, a card was mailed to the last address provided by you for the account.
Upon review of your account, I see the U.S. Postal Service had returned your correspondence to Synchrony Bank as undeliverable. Your address was updated on June 12, 2024 and the card was resent.
Thank you for taking the time to bring your concerns to our attention. By receiving feedback from our customers, we are able to address specific issues and improve our customer service.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony Bank
Enclosure(s)Customer response
08/09/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
****** *******Initial Complaint
07/31/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Once notified of one of many recent, arbitrary contract changes to add a $1.99 fee for mailing a monthly statement via USPS, I contacted customer service to have them remove any and all options that produce additional fees, including this mailed statement fee. I called customer service this morning to have this fee waived and to once again request that any and all options that produce an additional fee be removed, only to have the representative, whom had a poor quality cellular headset, disconnect the call.Business response
08/02/2024
We're working to resolve this matter as quickly as possible and will let you know the outcome. We ask that you allow up to 60 days for us to complete our review of this claim. Once the review is complete we will respond to you through the BBB.Business response
08/05/2024
August 5, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 31, 2024. I appreciate you bringing this matter to my attention.
I appreciate you speaking with me regarding your written complaint. To ensure common understanding and to serve as confirmation of our conversation on August 1, 2024, we discussed the Paper Statement Fee that is $1.99 fee that will be charged in any billing cycle in which your balance is greater than $2.50 and you are sent a monthly billing statement in paper form (even if one is also provided to you in paperless form). You can choose to receive your monthly billing statements through the mail or in paperless form. To avoid the monthly fee, choose to receive your statement only in paperless form.
As of August 1, 2024, you are now enrolled to receive your statements online.
In the spirit of customer service and goodwill, I have issued credit your account for the statement fee totaling $1.99. This brings your account balance to $3,515.99. These credits will appear on your August 2024, billing statement.
We sincerely regret any inconvenience or frustration this matter may have caused you. You are important to us, and we make every effort to serve our customers in a timely and satisfactory manner. Let me assure you, Synchrony Bank expects the highest professional standards from our representatives. Thank you for taking the time to bring your concerns to our attention. By receiving feedback from our customers, we are able to address specific issues and improve our service quality.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony BankInitial Complaint
07/31/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear Sir/Madam, I recently reviewed my credit report and found an error related to an account that does not belong to me. I am a victim of identity theft and have filed a complaint with IdentityTheft.gov. Enclosed are copies of the complaints for your reference. Account Details: Creditor Name: SYNCB/VNMO Account Number: ******XXXXXX Opened Date: 2/******* High Credit: $5,833.00 Please investigate this account and assist in removing it from my credit report as it is fraudulent.Business response
08/02/2024
We're working to resolve this matter as quickly as possible and will let you know the outcome. We ask that you allow up to 60 days for us to complete our review of this claim. Once the review is complete we will respond to you through the BBB.Business response
08/09/2024
August 9, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 31, 2024. I appreciate you bringing this matter to my attention.
Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus. Since we have reported accurate information pertaining to your account, we are unable to delete or modify the status as reported. Therefore, your request for Synchrony Bank to delete this trade line from your personal credit history has been respectfully declined.
On February 26, 2021, a Venmo Visa® Credit Card application was submitted, processed and approved. Synchrony Bank received a report from the credit bureaus of a claim of identity theft. An identity theft fraud investigation was conducted and that claim was denied on August 5, 2024.
Your account balance of $5,833.22 was charged off due to delinquency on March 8, 2023, and has been placed with the following agency:
*********** ***** ********* ****** ***** ***** **** ******* ******* ***** ***** ********
Your letter has been forwarded to the agency listed above. Please contact the agency regarding payment on your account.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony BankInitial Complaint
07/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have made my payments consistently since I had your card. I apparently made a late payment by 2 days in May and June they waived the late fee in mat but charges $40 for the June late fee. Customer service would not give any type of credit. As a good standing customer I find that beyond rude. I will be paying the card off. I am in good standing with your company.Business response
08/10/2024
August 10, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 31, 2024. I appreciate you bringing this matter to my attention.Please understand as provided in your credit agreement, you are required to pay at least the minimum payment on your billing statement by the payment due date. When a delinquent payment fee appears on the statement, it means either the payment made was less than the minimum required, or the minimum payment was not received by the payment due date shown on the billing statement.
Two late fees totaling $70.00 have been assessed to your account since it was opened on August 22, 2023. We previously credited your account for $30.00 in late fees, in the interest of customer service. No further credit is due; therefore, we respectfully decline your request for additional credit.
A late fee is charged to your account if the minimum monthly payment shown on your billing statement is not received by the due date shown on the statement. When a delinquent payment fee appears on your statement, it means either the payment made was less than the minimum required, or the minimum payment was not received by the statement due date. Please be sure to allow seven to ten business days for your payment to be received and posted to your account.
As indicated in the terms and conditions of your account, you can pay by using the Sam’s Club app, by mail, or online. We may allow you to make payments over the phone, but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. Enclosed is a copy of the terms and conditions for your reference.
Regarding how our credit lines are managed and established, Synchrony Bank evaluates credit accounts based on a sound credit scoring system. This system periodically generates a score, which is a result of point values assigned to various items found on a consumer’s credit bureau. In our experience, this score helps predict the probability an account will be paid in accordance with its terms. If the score fails to meet certain criteria, the credit limit can be lowered, suspended, or closed permanently.
Per the terms and conditions governing your account, we reserve the right to review credit information, obtained from third parties and/or credit bureaus, for the purpose of updating, renewing, or extending credit. In your case, the information obtained from your ***** ***** credit file was the determining factor in our decision to lower your Sam’s Club Mastercard credit limit from $5000.00 to $1890.00. As a result, on August 4, 2024, a notification letter was sent to you advising of our decision. The reasons indicated in the letter you received further relate to the information contained within your ******* ****** credit file. Enclosed is a copy of the letter for your review.
We would like to stress compliance is important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholder's in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony Bank
Enclosure(s)Initial Complaint
07/30/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
While on vacation in Florida on 2/21/24 I purchased (3) tickets to a comedy show only to find out, they were fraudulent tickets when I presented them at the venue. I have opened three claims with Synchrony Bank (MasterCard) only to be denied each time. I would like to file a complaint against Synchrony Bank. After providing them with a detailed letter along with compelling documentations (see attached) they are declining my dispute. I feel this evidence warrants a full refund of $322.11. I am hopeful you can assist me in getting my refund. Please refer to the 17 documents I have attached. Thank you for your consideration.Business response
08/12/2024
Customer Service
** *** ****** ********* ******** ** **********
August 12, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 31, 2024. I appreciate you bringing this matter to my attention.
We are pleased to inform you your dispute involving the purchase made on February 21, 2024, in the amount of $322.11, has been resolved in your favor. A credit was applied to your account as of June 13, 2024 for the amount of $322.11. In addition a total of $5.99 in interest charges have also been waived. This will be reflected on your August 2024 billing statement. Please refer to your next billing statement for your balance and payment due date. We appreciate your patience in this matter.
A copy of the dispute resolution letter dated August 6, 2024, will be enclosed for your review.
We sincerely regret any inconvenience or frustration this matter may have caused you.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony Bank
EnclosureCustomer response
08/13/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** *******Initial Complaint
07/29/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
We had a Lowe’s card that we were trying to pay off because they closed our account. No idea why. They didn’t even have the correct name on the account. It was in my name but they had my husbands name as owner. We did have a hard time paying because of having surgeries last year. Our medical became unbearable financially. Well, synchronicity kept adding late charges and we were trying to pay what we owed them. They took off one late charge and then kept adding them back. They refused to work with us and help us get them paid. Even though they closed the account. So, we finally scraped up money to pay them. Then we also paid off Sams which is also synchronicity. As soon as we paid them they lowered our credit from $1000 to $100. I think they did it for spite because of us having tried to get them to help us with late charges on Lowe’s. It all happened at the same time. You wouldn’t think a company we paid every month a lot of money, interest and late charges. Would just say meh I’m taking away their credit because I don’t like them. That’s exactly how it feels. Their service people are rude and I’ve never dealt with such pains in my life. They are horrible people and greedy. They don’t care nothing about their customers all they care about is bullying us because they get by with it. I think it’s sad how they conduct business. When you pay off a card and haven’t got behind. Why are they just decreasing our credit to $100. It makes no sense. The only reason I see they would is because they are just being a bully because they get by with it. I won’t ever use them again. They really need to be investigated. I don’t think they are ethical and they push people around and do things that aren't even fair or right.Business response
08/06/2024
Customer Service
** *** ****** ********* ******** ** **********
August 6, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 29, 2024. I appreciate you bringing this matter to my attention.
Synchrony Bank's evaluation of an account is made utilizing a sound credit scoring system. We periodically evaluate our consumer accounts. The evaluations include reviews of account information and consumer credit bureau information. Based upon this evaluation, and in accordance with the terms and conditions of the account, Synchrony Bank may decide to change the credit limit on the account. For your convenience I have enclosed a copy of the terms and conditions for your review.
On July 23, 2024, your credit limit was decreased from $1,000.00 to $100.00. As required, Synchrony Bank sent a letter to you advising of this decision on July 23, 2024. The specific reason(s) for the action were articulated in the letter, and I have enclosed a copy for your review. Please be assured Synchrony Bank based this decision on an overview of your account and your credit file.
We regret you were dissatisfied with your recent experience regarding our associates. Synchrony Bank expects the highest professional standards from our representatives. Thank you for taking the time to bring your concerns to our attention. By receiving feedback from our customers, we are able to address specific issues and improve our service quality.
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony Bank
EnclosuresCustomer response
08/10/2024
Complaint: ********
I am rejecting this response because:I already knew they would say that but they had no reason to check on that card. It wasn’t behind, we have always paid it they have never had to call us, absolutely no reason we even paid the whole thing off That isn’t a reason to lower someone’s credit 90% it’s just excuses and bullying because they make the rules so they can l will just continue to find every chance to post reviews so others won’t have to deal with them jerking them around and upsetting their lives
Sincerely,
******** ******Initial Complaint
07/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The account was opened on April 11th 2024 for a line of credit of $10,500. The payments for Sychnrony were set up with the minimal fee of $312.00 which began on June 5th. However, Synchrony Bank drafted the full amount borrowed and my bank returned the check due to not having those funds in my account. This was not authorized or agreed upon. I was then charged by Synchrony Bank a return check fee of $30.00 and was told that it was my fault that the banking information was incorrect by customer service on the phone. However, that was not true The customer service was of no help, and blamed me for the issue. I then had to pay $312 + the late fee of $30 resulting in a charge of $342. With me double checking my banking information (personally and with my bank) the same thing happened the following month, On July 5th Synchrony Bank charged the remaining balance on the account of $10,158. With that charge, my bank once again returned the check due to that not being the amount in my account or authorized on my end. Once again, Synchrony Bank tried to draft the full account balance and not the minimum payment that was scheduled. After chatting with the online service and calling multiple times, I was given no solution. I was charged another late fee and was told this account would be closed. After calling customer service, and expressing concerns they hung up on me blaming me for their unauthorized transaction. Synchrony Bank has charged the full credit line borrowed twice instead of the minimum payment set up on autopay. Now I have received a letter in the mail stating this account is closed due to the "risk of inability to pay." This bank has not proposed any understanding in coming to a solution. I have now started to receive calls from collection agencies. Synchrony Bank provides a line of credit for medical purposes. The agreement with borrowing from this business is that they provide interest-free credit and you pay a minimal monthly payment.Business response
08/10/2024
Customer Service
** *** ****** ********* ******** ** **********
August 10, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 29, 2024. I appreciate you bringing this matter to my attention.
It is our policy to communicate various changes made to your account. The request for your account to be reopened, a correction made to the credit report, and removal of late fees has been respectfully declined.
In your complaint you mentioned having unauthorized payments being taken out of your account. After investigating it appears that you signed up for automatic payments online and you selected the option to pay the full balance on the account’s next due date. Thus, on June 5, 2024, and July 5, 2024, the payment for the account balance was attempted to be debited from you checking account.
As we understand it, you selected the option unintentionally. Therefore, both payments were returned for insufficient funds.
In regard to your request to have a billing adjustment although returned payment fees were assessed in accordance with the terms and conditions of your account, in the interest of customer service and goodwill we have issued a credit for one of the returned payment fees in the amount of $30.00. This brings the account balance to $9.874.00. This credit will appear on your next billing statement. I have also enclosed a copy of the terms and conditions for your review.
On July 18, 2024, your account was closed. Synchrony Bank sent a letter to you advising of this decision. The specific reason(s) for the action were articulated in the letter.
We have no record of the notification letter sent to you being returned to us as undeliverable. However, we have enclosed a copy for your records.
When an account is closed, whether by Synchrony Bank or the accountholder, the same terms and conditions still apply to the account. Closing an account will not prevent any fees, including but not limited to interest charges and late fees, from being assessed to the account.
Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus. Since we have reported accurate information pertaining to your account, we are unable to delete or modify the status as reported. We are required to report eh account payment history as the customer established it. This requirement maintains the credibility of the information provided to the credit bureaus.
After reviewing your account, it was determined that no late fees have been assessed to your account. I have enclosed your statements for your review.
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner.
We regret any dissatisfaction you may have experienced regard this account; however, we firmly believe we have abided by the terms of the account.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony Bank
EnclosuresCustomer response
08/13/2024
Complaint: ********
I am rejecting this response because: after contacting customer service multiple times via phone I was not provided with information that was useful in finding out why the full amount of the credit was drafted. When I did call I was told that my banking information was incorrect (which it was not) and that this was the reason for the "return check." No solution was offered by your customer service. Therefore, the report to the credit and the reason for the account being closed is out of my control. Therefore, as a customer, I was not provided with actual efforts to resolve the issue before it happened twice. Thus, resulting in two incorrect drafts. I made multiple efforts after the first incorrect draft in June 2024 to correct this and it was still not resolved on your end. I also called again when the incorrect draft and "returned check" happened again in July. When I did call in July I was told that the banking information was incorrect and then the male customer service yelled and would not provide a solution. When I called again, the lady I spoke with hung up the phone before I was given the opportunity to explain what was going wrong with the account. Therefore, the ask remains that the credit report be corrected and that the account be opened back up.
Sincerely,
******* *****Initial Complaint
07/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
In April 2024 we had Healthy Home Flooring come to our home to provide an estimate to replace our flooring. The company's owner Brandon knew me from a previous employer. The salesman JD told us he needed to get us pre-approved to get the job started. He asked some questions then had me sign a contract for the work to begin. Three days later and numerous calls later the owner tells me he went out of business. I hired a different contractor to perform the work. On April 25th I was informed by Synchrony that I owe over $17,000 on an account that I never created or authorized. They said they paid Healthy Home Flooring, the company that went out of business. I filed a fraud dispute. After several weeks I called and was told the dispute was still in process. Months later I am told the dispute is closed because I did not put my name and account number on the documents I uploaded to their site on the dispute. They required me to open a new dispute. I contacted ***** ******* via email as he is the CEO, Director, President. I received a response they would investigate. I called to follow up and a rude CSR told me I didn't need to call, they would update me. I have never received an update from Synchrony, not the first time, and not this time. They refuse to address this. We had new floors replaced financed through a different account with Synchrony that I set up. I did not authorize the first account and received no product or services from Healthy Home Flooring. It has been over 90 days since I found out this account was opened with out my authorization. We have supplied them with emails from the owner of Healthy Home Flooring. He states they can't bill us for services and products not delivered and to file a dispute and he would authorize repayment. All I am asking for is the account charges to be removed and the account closed. I did not open this account.Business response
08/12/2024
Customer Service
** *** ****** ********* ******** ** **********
August 12, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 29, 2024. I appreciate you bringing this matter to my attention.
I sincerely regret any dissatisfaction this matter may have caused you. Your concerns are important to us, and we strive to serve our customers in a timely and satisfactory manner.
We received your information indicating you are disputing the charge of $17,600.00 on March 24, 2024. We have reviewed the disputed transaction on your Synchrony HOME Credit Card account. On August 8, 2024, we provided a provisional credit in the amount of $17,600.00 to the account while we investigate your dispute claim. Attached is a copy of the dispute notification letter for your reference.
The merchant may respond to our dispute within the next two billing cycles with supporting documentation. If it is determined the charge is valid, the transaction may be re-billed to your account, at which time you would receive additional documentation advising the credit was reversed. Otherwise, the credit will remain on the account.
If you have any information or further questions, please contact our Customer Service department directly at ***** ********.
In accordance with federal regulations, we are providing you the address of each credit bureau agency that reports this account on your credit bureau report.
Equifax
PO Box 740256
Atlanta, GA 30374-0256
(800) 525-6285
www.equifax.com
Experian
701 Experian Pky
PO Box 2002
Allen, TX 75013
(888) 397-3742
www.experian.com
TransUnion
2 Baldwin Place
PO Box 2000
Chester, PA 19022-2000
(800) 680-7289
www.transunion.com
Innovis
PO Box 1640
Pittsburgh, PA 15230-1640
(800) 540-2505
www.innovis.com
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony BankCustomer response
08/12/2024
Complaint: ********
I am rejecting this response because:I filed a dispute in April 2024 that was closed without a response. Synchrony did not notify me the dispute was closed. They claim they were not provided the account number on the documents provided and determined they did not have to proceed further.
This dispute is now ongoing. Until the company provides evidence that they have closed the dispute with the credit remaining on the account and the account is closed, this complaint will remain open.
Sincerely,
***** *********Initial Complaint
07/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Care Credit caused my credit score to drop by 24 points because my paying $140-$250 a month “does not count for the next payment”. I have never missed a payment or only paid the minimum $46 a month. I have never missed a payment. I have even made two payments once before today when I paid the account off. Only one other time in the last 28 years have I ever had such a credit drop when I lost my house. This will take months to get it off of my report.Business response
08/09/2024
Customer Service
** *** ****** ********* ******** ** **********
August 9, 2024
Submitted via Better Business Bureau Website
Case Number: ********
Creditor: Synchrony Bank
On behalf of Synchrony Bank, I am responding to your inquiry we received from the Better Business Bureau (BBB) on July 29, 2024. I appreciate you bringing this matter to my attention.
Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus. Since we have reported accurate information pertaining to your account, we are unable to delete or modify the status as reported.
Synchrony Bank reports to the credit bureaus in the following manner. When a payment is received by the due date and in the amount requested, no delinquency or negative information will be reported to the credit bureaus. If a payment goes 30 days past its due date, this information will be reported to all the major credit bureaus. This information will remain unless it was a valid error that caused the negative reporting. We show no record of reporting a late fee or negative information to the credit bureau. Therefore, your request for Synchrony Bank remove derogatory reporting from your credit file has been respectfully declined.
If you have not already done so, we suggest you contact TransUnion to obtain a copy of your credit file. In the event you do not agree with the information the credit bureau has provided, we urge you to contact TransUnion directly to discuss your credit file.
In accordance with the Synchrony Bank Credit Card Agreement, you are required to pay the account minimum payment each month by the due date shown on the statement. At any time, you may pay more than the minimum payment; however, any excess payment will be applied to your existing balance and will not satisfy your requirement to pay a minimum payment on any subsequent billing statement. If we do not receive a minimum payment by the due date, a late payment fee may be assessed on your account. I have provided a copy of the terms and conditions for your review.
As of the date of this letter your account has a zero ($0.00) balance.
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regard this account.
Thank you for the opportunity to respond to your concerns.
Sincerely,
Senior Specialist, Corporate Consumer Relations
Synchrony BankCustomer response
08/09/2024
Complaint: ********
I am rejecting this response because:
I made payments in advance that were 3-4 times the monthly payments. There should have never been “late” payments. In addition, I paid off the account.Sincerely,
***** *****
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Customer Complaints Summary
7,661 total complaints in the last 3 years.
3,034 complaints closed in the last 12 months.