I hate Synchrorony Bank!!!

Carmie · ‎10-25-2010

I am livid, so I am just letting off steam.

On July 8, I paid my CC balance with Synchrony Bank in full. $1150.17. The payment was made from my checking account. The next day, Synchrony again tried to take another $1150.17 from my checking account and my bank denied the payment for Nonsufficient funds.

I have the overdraft protection turned off on my bank account so money will not transfer if there is not enough funds in my checking account and I only keep what I need in checking. Never more than $100 balance. I transfer money from savings as needed.

My bank charged me $20 NSF fee which they reversed when I called them. I have never had an overdraft before.

Synchrony charged me $29 because their second attempt to get paid was denied.

I have called Synchrony several times this morning and spoke to five reps including management to get them to refund the $29 fee they charged me because their second payment attempt failed. They absolutely refuse to remove the charge. They said their policy does not allow them to do this no matter what.

I have four different cc with Synchrony. I only use their Master Card regularly. The other three are hardly used.

I am really ticked off and will never, ever use a cc issued by them again. I know many people have trouble with them and I guess my name is added to that list.

It's only $29, but it's stolen money. I am paying for their mistake.

CJC · ‎03-11-2010

Agree about Synchrony Bank. Terrible bank. I try to never use a credit card that is managed by that bank.

kaydee50 · ‎02-07-2011

Don't have a Synchrony cc. I had a Visa from Chase but dropped them because I was having problems. I've had a Citi Mastercard for 25+ years and never had a problem. Also have a Capital One Visa that is good.

I would cancel all my cards and get another bank.

lynnie61 · ‎04-28-2010

I have a Chase and Bank of America Visa. No payment issues but BOA was hacked once. Removed the charges instantly and sent a new card overnight. So many issues for many with that bank! I believe I once had a JC Penney card with them. Closed it soon after.

@Carmie So sorry that happened to you. I've never had a late fee, so I'm sure it's frustrating with them deducting it twice (trying to, anyways!).

Coastalcarolina · ‎04-02-2015

Time for another bank. There are other options.

Carmie · ‎10-25-2010

I have other CC's with a different bank that I can and will use. I have been with Capital One forever and never had a problem so I will be okay.

Carmie · ‎10-25-2010

@kaydee50 I closed my Citi card quite a few years ago because they kept upping the interest rate.

I called them a few times to complain and they lowered it again. Finally, I had enough. They said they would lower it again, but I told them I was tired of calling them every few months and to just close the account.

I always pay my balance in full every month, so I never pay any interest, but it was the principal. I have a credit score over 800 and they didn't give me good service.

I have Chase and Capital One and never had an issue.

Puppy Lips · ‎05-09-2010

@Carmie Did they add the $29 fee to your credit card balance, or take it from your bank account? I would continue to protest. I don't blame you for being mad. I would be livid too. I refuse to have a QVC credit card because I don't want to give QVC one more cent than I have too, and I know they get some kind of kickback from them. If they didn't, there would be no reason that QVC constantly pushes their credit card. All the people with problems with that bank should voice their frustration with QVC customer service. They can't do anything about it, but maybe if they get enough complaints, they can change what bank issues their credit cards.

Always remember that you are absolutely unique. Just like everyone else. Margaret Mead