topic Re: QVC Credit Card problem in Customer Care

QVC Credit Card problem

Dave22 — Wed, 14 Dec 2016 06:29:31 GMT

I have a qvc credit card thru Synchrony Financial. Today 12/13/2016 when looking at my bank account online, i noticed there was a pending debit and its scheduled for payment to the qvc credit card.

Knowing I did not do this, I went to the credit card account thru Synchrony Bank (online)and to my surprise there was a scheduled payment 12/13/2016 for the "EXACT" amount of the current charges with a confirmation number. Which I did not schedule nor gave authorization to do so. When I contacted the bank and told them of the problem. They basically told me thats my problem and they did not nor do they have access to do this. My response was ,"Who else would do this, a Hacker??? They are not going to make my payment?? Soemone did this and it was not me, so it had to be the bank, but they denied it.

I began a search online for this bank and any problems. Only to find lists and lists of complaints on this bank for shady practices and actions of this nature. Late fees that are invalid, lowering credit limits with no warning to people about the change. closing accounts with false reasons on those who were keeping up on payments, ruining credit scores. This was enough of a red flag for me.

So I went into my qvc account, changed any up coming easy pays from the Q Card to my own checking account. I will honor what I need to pay, but once thats done, So am I. Unfortunately with QVC as well. Why would they do business with such a shady bank, and me having first hand experience with this bank and lets not forget the rude customer service. I did not schedule this payment,,,,,lets just say "someone" went into MY account and scheduled payment for the "exact amount of money due for the month on the EXACT same day credit card payment was due"!!! COME ON!!!

Be careful, thats all I can say!!!!

Re: QVC Credit Card problem

Kachina624 — Wed, 14 Dec 2016 07:49:27 GMT

This outfit also handles Evine's credit card. I had one for about 3 month and it was such a mess, I discontinued use of the account. I couldn't even access my account information. Sounds like their reps have a bad case of smart-mouth.

Re: QVC Credit Card problem

Desertdi — Wed, 14 Dec 2016 08:42:19 GMT

On all my cc purchases, I have the ability to choose my payment date (on the computer) from "today" to anytime up to the actual due date.

Re: QVC Credit Card problem

roxxy1 — Wed, 14 Dec 2016 11:12:36 GMT

I never use ez pay. If I can't pay for the item in total upfront, I don't purchase. That's just me.........

Re: QVC Credit Card problem

nyc1 — Wed, 14 Dec 2016 11:52:07 GMT

I've had a Q card since 1986 and never had a problem. Maybe I'm lucky. I also pay in full and check my statements very closely.

Re: QVC Credit Card problem

geezerette — Wed, 14 Dec 2016 14:10:16 GMT

It's not just QVC. Synchrony handles many store branded credit cards. It was spun off from GE a while back.

Personally, I've never had a problem with them (so far, fingers crossed) but I don't do online payments and also always pay in full each month.

Re: QVC Credit Card problem

Perkup — Wed, 14 Dec 2016 14:35:19 GMT

Synchrony Bank is nothing more than a branch or spin/off of GE Capital, which could never get anything of mine right in the first place. No reason to expect Synchrony to do any better. I have had nothing but trouble from them since I went back to a Q card. (Had one years ago and cancelled it because of the constant issues.) Had I realized that Synchrony was a branch of GE Capital, I would never have taken a new Q Card. BTW, they also handle my Belk account! GRRRRRRR! And I have two letters from their bank officers apologizing for the trouble they have caused me.

As for Easy Pay, I have no doubt that they are messing this up!! And all the reps I have spoken with there are rude and disinterested in your issues. Don't even bother.

Re: QVC Credit Card problem

jackthebear — Wed, 14 Dec 2016 14:42:11 GMT

That's a bad situation.

I think giving any company direct access to your checking accounts is a bad idea.

Making your own electronic payments is better, that way YOU control when the money is accessed, not someone else digging into your pockets when they feel like it.

Re: QVC Credit Card problem

software — Wed, 14 Dec 2016 14:46:47 GMT

I schedule my payment about a week in advance on my QVC card. I am never late. Then I get a letter in the mail that I owe $___ right now to cover the Easy Pays coming due. The amount I owe is about twice what I had scheduled for my regular payment. So I make the payment they requested but I had been pro-active in watching my statements & I knew where I stood on purchases & payments & couldn't understand the problem.

When I got my next statement I found out why, they had hit my account for TWO easy pays in one month, which matched the amount mentioned in the letter. The EP items were for payments #3 & #4, not duplicates. So while I had to fork over more money than I had budgeted at least that item is fully paid for. It was a 4 month EP.

Like everything else, watch your statements carefully.

Re: QVC Credit Card problem

geezerette — Wed, 14 Dec 2016 16:17:16 GMT

@software wrote:
I schedule my payment about a week in advance on my QVC card. I am never late. Then I get a letter in the mail that I owe $___ right now to cover the Easy Pays coming due. The amount I owe is about twice what I had scheduled for my regular payment. So I make the payment they requested but I had been pro-active in watching my statements & I knew where I stood on purchases & payments & couldn't understand the problem.

When I got my next statement I found out why, they had hit my account for TWO easy pays in one month, which matched the amount mentioned in the letter. The EP items were for payments #3 & #4, not duplicates. So while I had to fork over more money than I had budgeted at least that item is fully paid for. It was a 4 month EP.

Like everything else, watch your statements carefully.

I think I remember seeing a disclaimer somewhere that this could happen--it's possible for two ez payments to be billed in one credit card cycle.

Re: QVC Credit Card problem

software — Wed, 14 Dec 2016 17:09:01 GMT

I understand but without warning?

Another reason to not use the Q-card.

I had one in the past, couldn't wait to pay it off.

Now here I go again.

@geezerette wrote:
@software wrote:
I schedule my payment about a week in advance on my QVC card. I am never late. Then I get a letter in the mail that I owe $___ right now to cover the Easy Pays coming due. The amount I owe is about twice what I had scheduled for my regular payment. So I make the payment they requested but I had been pro-active in watching my statements & I knew where I stood on purchases & payments & couldn't understand the problem.

When I got my next statement I found out why, they had hit my account for TWO easy pays in one month, which matched the amount mentioned in the letter. The EP items were for payments #3 & #4, not duplicates. So while I had to fork over more money than I had budgeted at least that item is fully paid for. It was a 4 month EP.

Like everything else, watch your statements carefully.
I think I remember seeing a disclaimer somewhere that this could happen--it's possible for two ez payments to be billed in one credit card cycle.

Re: QVC Credit Card problem

software — Wed, 14 Dec 2016 19:41:44 GMT

And sometimes they skip a month.

I knew that I had approximately $30 in easy pays coming up on my next statement. So I scheduled a payment of $35. I also "pre-paid" my most recent WEN purchase. So this month I've paid well over $100 on my account.

Now I'm getting hounded for my final payment on a bracelet - $28. I am not over my credit limit and I've already sent in over $100. So they get another $28 on top of it all. I will pay it off. ANd pay in full each month if I do use it and no more Easy Pays.

@geezerette wrote:
@software wrote:
I schedule my payment about a week in advance on my QVC card. I am never late. Then I get a letter in the mail that I owe $___ right now to cover the Easy Pays coming due. The amount I owe is about twice what I had scheduled for my regular payment. So I make the payment they requested but I had been pro-active in watching my statements & I knew where I stood on purchases & payments & couldn't understand the problem.

When I got my next statement I found out why, they had hit my account for TWO easy pays in one month, which matched the amount mentioned in the letter. The EP items were for payments #3 & #4, not duplicates. So while I had to fork over more money than I had budgeted at least that item is fully paid for. It was a 4 month EP.

Like everything else, watch your statements carefully.
I think I remember seeing a disclaimer somewhere that this could happen--it's possible for two ez payments to be billed in one credit card cycle.

Re: QVC Credit Card problem

geezerette — Wed, 14 Dec 2016 21:45:32 GMT

@software

Sorry, but I can't answer any of your questions. I don't pay my bills online like that, so I have no idea how any of that works. Maybe someone else can help you out.

Re: QVC Credit Card problem

software — Wed, 14 Dec 2016 21:59:52 GMT

I'm not asking for any help.

I'm just relating my experience.

By Synchrony making me pay MORE than my statement requires, it gets me out from under them quicker.

@geezerette wrote:
@software

Sorry, but I can't answer any of your questions. I don't pay my bills online like that, so I have no idea how any of that works. Maybe someone else can help you out.

Re: QVC Credit Card problem

Lila4Now — Sun, 18 Dec 2016 02:50:28 GMT

Why do you think QVC promotes the credit card so much? It makes a lot of money for them! I would NEVER consider their credit card! The whole thing sounds shady to me.

Re: QVC Credit Card problem

GCR18 — Sun, 18 Dec 2016 05:18:07 GMT

I use the q card and know exactly what my bill will be when the month closes. I monitor my q account and my q cc account. I haven't had any overcharges. I don't use easy pay often, but when I do I know exactly when the payments come due. It's no different than if I used my visa.

Re: QVC Credit Card problem

mzlg — Mon, 19 Dec 2016 16:23:56 GMT

1st post for @Dave22 ... with a complaint, no less!

"Welcome to the Forum"

Re: QVC Credit Card problem

I am still oxox — Sun, 18 Dec 2016 16:39:28 GMT

I am not following this at all, was an easy pay charged before it should of been or was the charge a duplicate of a charge from another card. Can someone please clear this up. I am sorry a single post and NO follow up is a huge red flag for me.

Re: QVC Credit Card problem

Susan-QVC — Mon, 19 Dec 2016 16:05:11 GMT

@Dave22 Thank you for taking the time to post. I will make sure to pass along your feedback regarding Synchrony Bank.

Susan Q-Social

Re: QVC Credit Card problem

Susan-QVC — Wed, 11 Apr 2018 02:05:10 GMT

This post has been removed by QVC because bumped old thread