Credit Cards and Plans
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- Customer Complaint:Synchrony has requested that before filing a complaint with your BBB, consumers should visit the company's "Contact Us" web page:
https://www.synchrony.com/contact-us.html
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.
Complaints
This profile includes complaints for Synchrony's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 8,024 total complaints in the last 3 years.
- 2,805 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/30/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
8/30/22 I got a letter from paypal/synchrony bank stating my paypal account is being closed due to payment. first I looked in my bank account for the last 2 checks that was cashed by them and they was there and they were on time cashed august 4 no due till august 15. I called them and they told me because of missed payment they were closing my account.
Two months prior to this I took my bank account number off my account and started mailing checks to them because they took 2 payments of $1700 from my bank account which I only owe them $1700. I also didn't have the other $1700 so I had to pay overdraft fees on my bank account and stop payment fees.
Now they are pulling this I believe they did this because they are mad that I took my bank information off my account. I actually was going to give them a second chance and use them but I am done with them now this is very irritating. I wonder what kind of my they take from people who have money and don't watch their money close.Business Response
Date: 09/09/2022
September
9, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention.
During a conversation with one of our customer
service representatives, in the interest of customer service and goodwill we
have reopened your PayPal Credit account and reinstated your credit line of
$3,500.00. Please know, the terms of your account have not changed. I have
attached the terms of the Synchrony Bank Credit Card Agreement.
On April 20, 2022, you scheduled a payment
online in the amount of $2,873.96, to be paid on April 20, 2022. Subsequently,
you scheduled an additional payment online on April 21, 2022 in the amount of
$2,919.21 to be paid on April 21, 2022. Both payment were processed and
received on the scheduled dates. On April 27, 2022, the payment in the amount
of $2,919.21 was returned as unpaid.
On July 31, 2022, you scheduled a payment
online in the amount of $240.00 to be paid on July 31, 2022. This payment was
returned by your bank as unpaid.
Per the terms and conditions governing your
account, we reserve the right to close your account at any time. Based on a
review of your account, we have received two returned checks on your PayPal
Credit account in the past four months.
The term “returned check” does not necessarily
mean insufficient funds. The term could have a number of meanings, including
but not limited to, insufficient funds, closed account, and/or unable to locate
account. As a result of the dishonored payments, on August 23, 2022 your
account was closed, and a letter was sent to you advising of our decision.
When a payment is received by the payment
center and not able to be processed that day, it will be backdated to the date
of receipt. Check number 1037 in the amount of $150.00 received on July 11,
2022 and processed on July 13, 2022. Please be assured the payment posted to
your account the day it was received of July 11, 2022. Check number 1040 in the
amount of $50.00 received on August 1, 2022 and processed on August 3, 2022.
Please be assured the payment posted to your account the day it was received of
August 1, 2022.
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.Initial Complaint
Date:08/30/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I currently have a Verizon Visa credit card with the company. My credit limit is $5,000. I tried using the card to make a purchase and it was declined! I don’t understand how I’m not able to use my account. I am now being told my credit limit is $1,700. However I didn’t receive a letter or anything regarding a possible credit line decrease. This is unacceptable and very unfair for the company to treat me like this! This will now impact my credit report drastically.Business Response
Date: 09/09/2022
September
9, 2022
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 August
30, 2022. 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 previous credit limit to be
reinstated has been respectfully declined.
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.
On August 18, 2022, your credit limit was
decreased from $5,000.00 to $1,700.00. As required, Synchrony Bank sent a
letter to you advising of this decision on August 18, 2022. 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. Please note, a purchase may
be declined if it exceeds your credit limit.
Please be further advised your credit score
could change daily, based on information your creditors report to the major
credit bureaus. Synchrony Bank generally reports to the major credit bureaus
once a month. There are many factors that go into your credit bureau score,
which may change daily. For more information on how credit scores are
calculated, and which factors may affect your score, go to www.annualcreditreport.com.
Thank you for
the opportunity to respond to your concerns.Customer Answer
Date: 09/14/2022
Complaint: ********
I am rejecting this response because:I became a victim of fraud and identity theft. I have an active credit alert on my credit file. For this company to lower my credit score based on that is solely wrong and very insensitive.
I’m dealing with identity theft and working with my current creditors to resolve and dispute unauthorized charges on my accounts. I had to file a police report, change bank account numbers and so much.
This whole process has be very stressful.
Before the bank decided to lower my credit limit, they should’ve accessed my credit report to see that I have an active credit Fraud alert.Their decision to lower my credit limit has now drastically lowered my credit score, causing more damage to my credit report that already have. I am not satisfied or in agreement with the decision and I wish to complete my complaint open until they correct my credit report and reinstate my original credit limit.
Sincerely,
Tyeisha WhiteBusiness Response
Date: 09/22/2022
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.
Upon receipt of your
correspondence and the concerns raised through the BBB, it t is necessary for
us to conduct further research in order to resolve the issue and respond
accurately to your inquiry. Once the review is complete we will respond to you
through the BBB.Business Response
Date: 09/30/2022
Customer Service
** *** ******
********* ******** ** **********
September
30, 2022
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 September
14, 2022. I
appreciate you bringing this matter to my attention.
We previously responded to your complaint on
September 9, 2022. After a review of
your concerns regarding the credit limit decrease, which occurred on August 18,
2022, Synchrony Bank feels we have accurately addressed your concerns. Our
position remains the same as stated in our original response.
While several factors are taken into
consideration when making the decision to decrease a credit line, the presence
of a fraud alert on your personal credit file is not taken into consideration.
Furthermore, while you may have a satisfactory
payment history with Synchrony Bank, Synchrony Bank does not base our decisions
solely on the payment history on accounts that a consumer has with us. The
information we receive from the major credit bureaus, in conjunction with the
payment history on the account, was used to make a decision.
In regard to 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.
On August 18, 2022, your credit limit was
lowered from $5,000.00 to $1,700.00. As a result, a notification letter was
sent to you advising of our decision. The reasons indicated in the notification
letter you received further relate to the information contained within your TransUnion
credit file. For your review, we have provided an in-depth explanation of the
reasons listed in the notification letter. A copy of this letter was enclosed
with our September 9, 2022 response.
We regret our response could not have been more
favorable; however, our position remains unchanged.
Thank you for
the opportunity to respond to your concerns.
Sincerely,
**** ******
Senior
Specialist, Corporate Consumer Relations
Synchrony
BankCustomer Answer
Date: 10/03/2022
Complaint: ********
I am rejecting this response because:The company has stated that they used the information that was provided on my Transunion credit report, however the information on my credit report is inaccurate.
I’ve explained that my credit has been used and there is a current fraud report on my credit. How is it fair to use the information on my credit report file, when in-fact it’s invalid?
The practices that Synchrony is using isn’t fair and is very discriminatory. It is not my fault that I had to endure identity theft and credit fraud!! I’m so upset!
Synchrony unfair decision to do this to me was very unfair, unethical and very insensitive! Again I am not satisfied with their unchanged decision and will continue to pursue my complaint against them!
Sincerely,
******* *****Initial Complaint
Date:08/30/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In the fall of 2020, I reached a settlement agreement with Synchrony Bank. I made three payments as agreed and have proof that those payments were made. However, I discovered back in June that Synchrony had turned it over to a collections agency. They claim that one of the payments was not made. I have sent proof of payments to Synchrony and to the collections agency, yet they refuse to honor the agreement.Business Response
Date: 09/03/2022
Customer Service
** *** ******
********* ******** ** **********
September 3, 2022
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
August 30, 2022. 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.
In
the interest of customer service and goodwill, we will honor the October 2,
2020 settlement; however, the account will be reported to the credit agencies
as “account settled for less than account balance after charge off.” You will
receive the notification letter under separate cover within seven to ten days.
The updates to your personal credit report may take up to 60 days.
The
address on your inquiry does not match the address on your account. In order to
ensure receipt of the above referenced letter, please contact our collections
department at (844) 377-4137 in order to update your account records.
On
October 2, 2020, Synchrony Bank sent Freedom Debt Relief a settlement offer
letter for your PayPal Credit account. The offer stated we would accept the
following payments of $641.16 due by October 16, 2020, $641.16 due by November
15, 2020, and $660.58 due by December 16, 2020 as payments on the account and
not collect the remaining unpaid balance on the account. In order to take
advantage of this offer, Synchrony Bank would need to receive the settlement
payments by the due dates.
We
received the three settlement payments on October 17, 2020, December 17, 2020
and December 18, 202. These payments were not received by the due dates;
therefore, the settlement offer was voided.
Thank you for the opportunity to respond to
your concerns.Initial Complaint
Date:08/30/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got a Care Credit account from Synchrony Bank. I used to buy hearing aids. Everything was going way good and then this month $1490.31 interest was charged to my account. I called and asked what this was about, I was told that I had been on a special promotion for 12 months and since I didn't pay it off in 12 months this was the accrued interest. I said I had been paying was a special on the interest and they said no the interest I had been paying on was not the full amount. I said no, i didn't know about this and that amount added to the other charges was more that the payment I have been paying. Something is wrong here and I would like it resolved. Thank you.Business Response
Date: 09/06/2022
Customer
Service
** *** ******
********* ******** ** **********
September 6, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention.
Your account is important to us, and it is our
goal to serve our customers in a timely and satisfactory manner. I regret any
dissatisfaction you have experienced regarding this account; however, Synchrony
Bank has complied with the terms of the account. Therefore, your request for deferred
interest charges to be removed has been denied.
You applied and were approved for a CareCredit® Rewards™ Mastercard® credit card account on January 6, 2020.
Subsequently, on July 19, 2021, you made a purchase totaling $4,800.00. This
purchase was placed on a Deferred Interest/No Interest If Paid In Full
promotion with a promotional expiration date of August 19, 2022. While monthly
minimum payments are required during the promotional period, interest charges
are accrued, but deferred. As set forth on your monthly billing statements, the
accrued interest is waived if the promotional purchase is paid in full before
the promotional expiration date. Failure to remit the full payment by the
promotional expiration date will result in the accrued deferred interest
charges being assessed to the account’s regular balance.
On August 29, 2022, you registered your account
online and enrolled in our eBill program to receive electronic billing
statements. Each month, we send an email to you advising your billing statement
is available for viewing and to log in at mysynchrony.com to view your complete
statement. These statements provide information pertinent to your account and
should be viewed immediately. Your statement features a promotional purchase
summary detailing the accrued deferred interest charges, as well as the
promotional expiration date. Payment in full was not received for the
promotional purchase by the promotional expiration date. As a result, your
account incurred deferred interest charges in the amount of $1,458.40.
Thank you for
the opportunity to respond to your concerns.Initial Complaint
Date:08/30/2022
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was approved for 5000 for the synchrony card in order to purchase a mattress in mattress firm. I tried to purchase a mattress with delivery bringing the total to about 3200. However, I wasn’t allowed to complete the purchase because I was notified that there weren’t sufficient funds. Synchrony customer service claimed I had a pending purchase of about 3200 but mattress firm customer service says I have no purchase in my account. So I was given a credit card with less funds than they claimed or they are charging me for something I never authorized to purchase.Business Response
Date: 09/08/2022
Customer Service
** *** ******
********* ******** ** **********
September
8, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention.
I sincerely regret any inconvenience or
frustration this matter may have caused you. I also regret any dissatisfaction
you have experienced regarding this Mattress Firm/Synchrony HOMETM Credit Card account.
You applied and were approved for a Mattress Firm/Synchrony
HOME Credit Card on August 29, 2022 with a credit limit of $5,000.00. Following
approval of your credit application, we received a purchase authorization
request in the amount of $3,325.62. This authorization generated an approval
code for the Mattress Firm store to use when submitting the sale upon
completion and reduced your available credit to $1,674.38. Subsequently, we
received an additional purchase authorization request on August 29, 2022 in the
amount of $3,197.68. This purchase authorization request was declined as you
had insufficient available credit.
On August 30, 2022, you contacted Synchrony
Bank over the telephone. During this telephone call, you spoke with an account
manager. The account manager explained there was an authorized pending purchase
in the amount of $3,325.62 on your account from August 29, 2022. Based on your
report that a purchase was not being made in the amount of $3,325.62, and in
the interest of customer service and goodwill, the account manager cancelled
the August 29, 2022 authorized pending purchase in the amount of $3,325.62.
With the cancellation of the authorized pending purchase, your available credit
increased to $5,000.00.
On September 3, 2022, a purchase totaling
$3,197.68 posted to your account. This purchase was placed on a 60-month Equal
Payment/No Interest promotion. Under this promotion, equal monthly payments of
$54.00 are required during the promotional period. No monthly interest charges
are assessed on the promotional balance during the promotional period. However,
the balance must be paid in full on or before the expiration date to avoid
future interest charges. Regular account terms will apply to any remaining
balance after the promotional period ends. Please review your September 2022
billing statement for your promotional purchase expiration date.
Thank you for
the opportunity to respond to your concerns.Customer Answer
Date: 09/08/2022
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
Date:08/30/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
A) My HSN account was hacked in April of this year and my HSN Synchrony Credit Card (CC) was used to purchase an iPhone by an unknown party on my HSN account. I received my April HSN CC Statement saying that I owed $975.53. I never use this card. In fact, pretty much even forgot I had the open
B) I immediately contacted HSN Fraud and Synchrony Fraud departments. Information was taken and was told that each party would do an investigation.
C) I ended up getting a June statement that I still owed $975.53. At this time I was told by Synchrony Fraud Investigations (**************) that I needed to fill out a form that would be sent to me, and at this time it is being said that the package was delivered via UPS to my address and I am liable for the full payment of $975.53.
D) We never received any such package for this order that was never placed by anyone in our household. Inside or outside...no package to be found. I called UPS and investigated. Here are the big red flags that I discovered: 1) When you go out to the UPS tracking number site and key in the tracking number of ******************* it states that the package was delivered to Lee's Summit, Mo. It DOES NOT say **** ** *** ****** ***** ******* **. which is our residence address. I had spoken with a person at UPS Technical Support and they indicated that the address should be stated there. 2) The package was signed for by a "Said Y". We know nobody by that name. This person is a complete stranger to us. 3) It says that delivery was an "Inside Delivery". We were home on the night the package was supposedly delivered and signed for by a person named Said Y. There was no such "Inside Delivery". After speaking with UPS technical support, I was told that "Inside Deliveries" are very rare and are for large items like big TV sets. To further make my situation and investigations more frustrating, UPS indicated that they do not investigate cases that exceed 60 days after delivery.Business Response
Date: 09/08/2022
It is necessary for us to conduct further
research in order to resolve the issue and respond accurately to your
inquiry. Once the review is complete we will respond to you through
the BBB.Business Response
Date: 10/03/2022
Customer Service
** *** ******
********* ******** ** **********
October
3, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention.
On August 29, 2022, we reopened your HSN Card
fraud claim for an additional review. Our additional investigation concluded on
September 20, 2022, with the decision to uphold the previous denials. Records
show the merchandise was billed to and shipped to your verified address with
confirmation of delivery. A separate letter notifying you of the resolution was
sent to your email address of record.
When we receive notification from an
accountholder that a credit card or account number has been lost, stolen, and/or
compromised, Synchrony Bank will take the following actions:
? Close
the account in question
? Issue
a new credit card with a new number to the customer
? Verify
if there has been any fraudulent activity
?
Transfer all account information and non-fraudulent transaction(s) to
the new account number
Your current account has been closed to further
purchases; however, as long as a balance exists on your account, you will
continue to receive monthly statements. Furthermore, 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.
Thank you for
the opportunity to respond to your concerns.Customer Answer
Date: 10/04/2022
Complaint: ********
I am rejecting this response because: Synchrony is merely coming back to the same indicator where UPS says that they made a delivery to my residence.Although, the UPS is indicating that, this is completely inacurrate. We were home that evening. They said it was an inside delivery. The doorbell never rang and
we had no video on our Ring Camera. They also said the package was received by a person by the name of "Said Y". There is no such person by that name that lives in our house,
or that we know by that name. Synchrony keeps going back to the same information over and over to make there determination. I did not order this iPhone, and this such phone was also never delivered to our property. Thy are not conducting a thorough investigation whatsoever. They are merely pushing paper. They have to speak with the UPS driver, but UPS says after 60 days, they will not investigate further. That is a joke. Their process relies on individual humans to key information regarding deliveries, so obviously mistakes can be made. At best, this was a mistake on the part of the UPS driver making an incorrect stop, but I do suspect UPS being involved perhaps. I have since found out that Amazon drivers always take a picture of the delivered merchandise. UPS has no such photo of the item delivered. They are only going by what is in the UPS system. I have included an email that I sent to Synchrony, the office of the president, in which a person by the name of Misty LaBelle contacted me. I explained all of this, but it did not matter apparently, or my email was received after decision was made. I am so upset about this that I cannot see straight. UPS screwed up big time. And HSN is probably not doing much of anything about their site being hacked and my credit card information being stolen in the first place. Synchrony's investigation is completely inconclusive. Any judge in the court of law would not allow this. More evidence would be required and the UPS driver would also be subpoena'd to appear in court. Please DO NOT allow Synchrony to wash their hands of this. This is going to greatly impact my credit and I have very good credit. I cannot believe that I am actually considering contacting the news media about this. I was suppossed to be protected from fraud per a letter I received from Synchrony. They obviously are treating me as the criminal. This is so insulting!!! Thank you for your continued help on this!!!
Sincerely,
******* ********Initial Complaint
Date:08/30/2022
Type:Customer Service IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I purchased 2 bikes in 2016 and paid tax, title, license, paid the bikes off on 7/25/2022. Synchrony told me that I have to get my titles from the DMV, so I called the DMV and the titles were PRINTED back in 2016 and sent to synchrony to hold till the note was fulfilled. Here within the last 2 weeks, someone from synchrony keeps telling me I have to go pay again for the titles to be printed, but according to my DMV, those titles have already been printed , so I should NOT have to pay again for something I have already paid for, All I want is my TITLES for my 2 bikes, whatever it takes for synchrony to finish their job! I did my part. My original paper titles!!!!Business Response
Date: 09/08/2022
Customer Service
** *** ******
********* ******** ** **********
September
8, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention.
On November 12, 2016, you applied and were
approved for an installment loan in the amount of $14,608.00. The proceeds of
the loan were used to purchase a 2016 Kawasaki KX250ZGF and a 2016 Kawasaki
KX450HGF. As required, Garners Kawasaki filed an application of title
reflecting Synchrony Bank as the lienholder for each vehicle with the Texas Department
of Motor Vehicles (DMV). On December 6, 2016, we received electronic
notification of the lien perfection; however, Synchrony Bank did not receive a
paper title for either vehicle as the titles were electronically held by the
Texas DMV.
We received your payment of $867.00 on July 25,
2022. This payment brought your account to a $0.00 balance. As a result, a request
was automatically sent to our document release department to issue a lien
release for the 2016 Kawasaki KX250ZGF and 2016 Kawasaki KX450HGF purchased
with the proceeds of the loan. On August 24, 2022, an electronic lien release
was sent to the Texas DMV for each vehicle. The Texas DMV recorded our
electronic lien release on August 25, 2022 and converted the title from
electronic to paper. As a result, you will receive your paper title for the
2016 Kawasaki KX250ZGF and 2016 Kawasaki KX450HGF from the Texas DMV. You will
need to contact the Texas DMV directly for processing and delivery time frames.
If you do not receive the paper titles in the mail following the Texas DMV’s processing
and delivery time frames, you will need to apply for replacement titles with
the Texas DMV.
Thank you for
the opportunity to respond to your concerns.Customer Answer
Date: 09/08/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, To be honest that should have been relayed to me the very first time I called customer service. The lady who answered my first phone call didn’t know anything about titles or payments. She told me that I had to do all my homework to find where my titles were at rather than her helping me figure out what needed to be done. She needs to go back to training class, or should I say customer service representatives need to be trained better than what I spoke to you on the phone, had that happen we wouldn’t be here at the Better Business Bureau.
Sincerely,
****** ********Initial Complaint
Date:08/30/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
TO MAKE A LONG STORY SHORT, I OPENED A DISPUTE ON PAYPAL CREDIT, DISPUTING *HALF* OF A TRANSACTION. THESE PEOPLE CAME BACK SAYING THAT THEY FOUND THAT I AUTHORIZED THE TRANACTION AND DENIED MY DISPUTE. I NEVER SID THAT I DID NOT MAKE THE TRANSACTION, I DISPUTED HALF!!!!!!!!!!!!!!!!!!!!!! AND! I! EXPLAINED!!! WHY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I ALSO ATTEMPTED TO RESPOND TO THEIR MESSAGE BUT THEIR MESSAGE SYSTEM DOES NOT WORK. THEY WILL CLOSE THE CASE IF THEY DO NOT "HEAR BACK", BUT HOW CAN I RESPOND WHEN THEIR SYSTEM DOES NOT WORK!!!!!!!!!!!!!!!!!! IT IS A PAIN THE THE NECK TO GET IN TOUCH WITH THEM ESP. SINCE I DI NOT HAVE AN ACTUAL ACCOUNT WITH THEM!!!Business Response
Date: 09/15/2022
Customer Service
PO Box ******
********* ******** ** **********
September
15, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention. Thank you for taking the
time to speak with me on September 6, 2022.
Thank you for your patience while we researched
your dispute again, in regard to your PayPal Credit card account.
Group Home Riches has informed our office the product
in question is nonrefundable. This information was provided to you on the
check-out page, that all sales are final. I am sending a copy of the terms provided by
the merchant for your review, under separate cover. Please allow seven to ten
business days to receive. We are unable to intervene with the return policy of Group
Home Riches, and we are unable to request they process a return.
On the basis of information available from both
parties, we have released the disputed amount in Group Home Riches favor. At
this time, we consider the dispute closed.
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.
*******
** *** ******
******** ** **********
***** ********
***************
********
*** ******** ***
** *** ****
****** ** *****
***** ********
****************
**********
* ******* *****
** *** ****
******** ** **********
***** ********
******************
*******
** *** ****
*********** ** **********
***** ********
***************
The address on
your inquiry does not match the
address on the account.
Thank you for
the opportunity to respond to your concerns.
Sincerely,
***** *****
Senior
Specialist, Corporate Consumer Relations
Synchrony
BankCustomer Answer
Date: 09/15/2022
Complaint: ********
I am rejecting this response because: As explained, what the company advertised and what they are providing are 2 different things. These people have repeated their webinar script and have not provided a costumed coaching at all. Almost 1 year later and I am literally in the same position that I was in before I wasted my money. I had already purchased their program and when I would email them follow up question they CONSTANTLY pressured me to sign up for coaching so that they could help me with my specific needs, but that is not what ended up happening.Synchrony, this is VERY lazy of you and you are not a trustworthy institution.
Sincerely,
**** *****Initial Complaint
Date:08/30/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I contacted old navy/synchrony bank about fraudulent charges may of 2021. Synchrony bank did not resolve the dispute for fraud charges and switched my account to Barclays. Barclays has no record of the dispute and are. Synchrony bank did not resolve or transfer my information to Barclays. I called to report fraudulent charges the same day I was charged. I contacted Nordstrom AND synchrony bank. Both parties keep sending me in a 90 day investigation. It is now August 2022 and this still has not been resolved. I have records for when I contacted both parties as well as a confirmation number that stated these charges would be dismissed. I am being charged $3,000 plus interest for items I did not purchase or receive. I asked them to trace the IP address and cancel any transactions. I am still fighting this case. The it now appears on the Barclays statements. Old navy/synchrony bank has removed and re-added the charges multiple times.Business Response
Date: 09/15/2022
It is necessary for us to conduct further
research in order to resolve the issue and respond accurately to your
inquiry. Once the review is complete we will respond to you through
the BBB.Business Response
Date: 11/09/2022
Customer Service
PO Box 166011
Altamonte Springs, FL 32716-6011
November
9, 2022
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 August
30, 2022. I
appreciate you bringing this matter to my attention.
Thank you for your correspondence to the BBB,
surrounding your Old Navy/SYNCB Card account previously serviced by Synchrony
Bank.
Your Old Navy/SYNCB Card account was converted
to Barclay's in May 2022; therefore, Synchrony Bank no longer has access to
your account or prior records surrounding your account. With no access to the
account records, we are unable to make any adjustments.
Please pursue the issue of the unauthorized
transaction with Barclay's so they may resolve your concerns. Their customer
service department can be reach at (888) 710-8756.
We certainly regret any inconvenience you have
experienced.
Thank you for
the opportunity to respond to your concerns.Customer Answer
Date: 11/17/2022
Complaint: ********
I am rejecting this response because:
This incident happened may 2021. Synchrony bank had a little over one year to resolve this case and chose not to do so. This case should have been resolved prior to Barclays transfer. I reached out to Barclays who informed me they have no record of my case and it would still be with Synchrony bank. Synchrony bank is responsible for this mishap and has all of the records. Barclays will not proceed with a case because Synchrony banks has the records. I was informed Synchrony bank would transfer the case to Barclays in June of 2022 prior to the switch. This is now two times Synchrony bank has failed to do its job. I have provided all proof and this case still is not resolved. I can not continue to go back and forth with numerous phone calls and wrong information. This falls on synchrony bank.
Sincerely,
****** ****Initial Complaint
Date:08/30/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I bought furniture where I was never told that I have a year to pay it off so there wouldn’t be nothing added on top I did my payments through the phone where sometimes I had to call the customer service agent to Process a payment because it wouldn’t let me do it through the automated system and would charge me a fee when I had to call the agent to process a payment, now there is a $1500 on top of my statement because the bank never mentioned I have a year to pay the balance I’ve been trying to get it resolved the account managers over the phone are very rude, disrespectful and not helpful at all. I told them it’s not fair I was never notified with emails or notices that I have a year to pay it off I was only able to access my online account somewhere only after they sent me notices with high statements no matter how much I would pay my statement bill was always coming out more the next month than the one before, I don’t know where else to turn for help because the bank definitely does not wanna help or even understand my situation.Business Response
Date: 09/02/2022
** *** ******
********* ******** ** **********
September
2, 2022
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 August
30, 2022. I appreciate you bringing this matter to my attention.
We sincerely regret if you feel the
documentation presented to you was not clear. Synchrony Bank provides training
to the Fashion Home Furniture II sales associates regarding our credit card
programs, including the terms and conditions governing the account.
In the spirit of customer service and goodwill,
I have issued credit to your account for interest charges totaling $1,094.98.
This brings your account balance to $0.00. These credits will appear on your September
2022 billing statement.
You applied and were approved for a Synchrony
HOMETM Credit Card credit card account on November 27, 2019 with a
credit limit of $3,800.00. On October 18, 2018 you were approved for a credit
limit increase from $1,800.00 to $3,800.00. Subsequently, on November 9, 2020,
you made a purchase totaling $4,833.00. This purchase was placed on a 12 month Deferred
Interest/No Interest If Paid In Full promotion with a promotional expiration
date of November 30, 2021. While monthly minimum payments are required during
the promotional period, interest charges are accrued, but deferred. As set
forth on your monthly billing statements, the accrued interest is waived if the
promotional purchase is paid in full before the promotional expiration date.
Failure to remit the full payment by the promotional expiration date will
result in the accrued deferred interest charges being assessed to the account’s
regular balance.
Each month, billing statements were sent to
you. These statements contained a promotional purchase summary which features
the accrued deferred interest charges, as well as the promotional expiration
date. Payment in full was not received for the promotional purchase by the
promotional expiration date. As a result, your account incurred deferred
interest charges, in the amount of $1,349.21.
On April 22, 2020, you registered your account
online and on June 27, 2022 enrolled in our eBill program to receive electronic
billing statements.
In order to avoid a late fee, you must make the
minimum payment due by the payment due date indicated on your monthly billing
statement.
I 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.
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