Community Chat

[magicmoodz]

I don't trust Synchrony Bank. I opened a credit card for an appliance we bought with no interest for 18 months. I can't even remember what the issue was, but Synchrony fell out of my favor. 

Then TJMaxx credit card decided they were going to charge $2.00 for paper invoices. I immediately stopped using that card. I know we earned some kind of bonus, but I believe it equals the same as my Discover card.

Then I recently opened a QVC credit card just so I could get a $50 credit. I used it once and immediately defaulted to Discover again.

[SHOPR]

This is terrible!

 @Carmie as I try to rationalize why a company would NOT reverse a fee that was for an obviously erroneous duplicate (identical) payment, if I understood correctly, I am wondering:

When you submitted your payment for the "full balance"... did you pay the "statement balance"... or did you pay the "current balance" meaning at that moment, your balance (everything from the last statement as well as any new charges) would have gone to zero?  

Either way they are wrong, but if you paid the current balance (down to zero on acct) then how would the duplicate payment even be allowed to be processed, with a zero balance?  How frustrating for you. 

[Carmie]

@SHOPR   When I paid the bill, the statement balance was the same as the current balance.

I have put almost $5000 on the card since the end of May and promply paid the entire balance every month.  I never make monthly payments, I always pay the balance in full every month.

I thought I was a good customer, but maybe not.

[Carmie]

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@Kachina624 wrote:

@Carmie.  Do a little research, find the appropriate banking regulatory agency and file a complaint.  I Wouldn't let that slide.

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I have found how to do a formal complaint with several US government agencies, but there is no guarantee that they will handle it or get my $29 returned.

I just won't use any of their cards.  My Master Card with them is my main card that I use.  They won't get another penny from me...ever.

[Carmie]

@wilma   It sounds like they have website problems.  That's probably how my payment got processed twice. I didn't have a problem signing in though.

Be careful that this doesn't happen to you.  They are polite on the phone, but very unaccommodating when something goes wrong on their end.

[occasionalrain]

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@Kachina624 wrote:

@Carmie.  Do a little research, find the appropriate banking regulatory agency and file a complaint.  I Wouldn't let that slide.

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Trying to collect twice, to me is fraud. Now trying to collect $29 that is not owed is fraud as well.

[Hemi 659]

@Carmie Ive had a q card about 10 years and have always paid the bill in full. Many times, since now doing it online with no paper statements, i often pay the minthly amount plus any charges that posted after the statement closed. i always pay a couple weeks before the due date. 

Two months ago i paid online like normal. Several days later i realized that the amount came out of my checking account twice. The first pyment was the day i processed. The second payment came out the next day. Fortunately, it wasnt enough to overdraw my checking account.

i thought, how did i possibly pay twice? But chalked it up to my error. Somehow. The excess payment held over on the account and was applied to the next month's charges. 

Now after reading your post I believe there must be a glitch in synchronys system. 

Thank you for sharing your story, as aggravating as it is, so we all can be aware that something is not right with this credit card company's system. 

[Blondie59]

I am not a fan either.  They support our Care Credit card.  DH has had 6 dental implants over the past several years and getting the 12 month no interest is appealing.  I find their  website clunky and not intuitive.  I learned a lesson a few years ago: I paid off the dental bill before the previous cycle closed, and we were charged a late fee... even though the balance was $0.  As soon as this latest round of implants are completed, I'm done.

i don't use it for the Q anymore, it's easier to shop with my AMEX.

[Tinkrbl44]

Here's another one ...

A few years ago, I got a CareCredit card to help with sudden vet bills.   

My Bogey crossed the Rainbow Bridge, and I haven't gotten another fur baby yet.  

I paid off the CC credit card balance, and the minute it was paid off, they cancelled the card.

I called to find out what the problem was, and they said since it hadn't been used again, it was cancelled....

BUT .... "I was welcome to reapply for it, if I wanted".

Expletive deleted.

[Carmie]

@Hemi 659   If it happened to you and to me, it must have happened to more people.

I was shocked that they would not return the NSF fee to me when apparently there was an error on their website.

I am also happy that my draft protection was turned off or they would have received the second payment and I would have to wait heavens knows how long to get my money back.