I sent a payment in the amount of $100 to Sams Club, and it cleared my bank on February 16, 2023 but was not credited properly to the account balance. The balance before I made "that payment" was $849.60, and on top of that I Paid $40 on the 14 of Feb, 2023. I called to speak to someone about it and all I got was rude representatives (x3), one could not speak American English too well and the other two were just rude and not very customer friendly, so the communication ended without getting a resolution. There are two charges mad eon the 12th and 13th,but that was before I made the $100 payment on the 16th of feb, 2023 so my balance should be $749.60 not $849.60. I could not discuss it with the reps cause they were not too customer friendly/oriented, etc. when I made the $100 payment my balance was $849.60 and that was "AFTER" the charges made on feb 12 and 13th, 2023. I know American consumers have the right to discuss their account with financial institutions and have a right to be informed and their accounts be properly credited when payments are made outwith being treated with contempt and rudeness by the financial institutions agents.. read more

Synchrony Bank - payment not applied properly - Banks & Credit Unions Near Me - Longwood, Florida

See all

BEWARE DEALING WITH SYNCHRONY-PAYPAL!!!!!! I have been a PayPal customer for over 30 years, but using a Chase credit card for every day purchases. I decided I wanted to put all of my business purchases on a separate card and opened a PayPal Credit Card in about 2 minutes with a small limit. Since receiving the card, I've put on a few purchases for fuel, food, Amazon and the cleaners...all WITHOUT any drama! Today I wanted to fund an App I use for lottery purchases in my state which I have been doing for years with the Chase card, no issues. BUT today, I kept receiving "Sorry we cannot complete the transaction, contact your bank "Synchrony". So I called and got some of the truly dumbest, incapable of reasoning customer service agents I have ever had the "pleasure of dealing with!" After the agent said there were no issues on their end, I still could not load the PayPal Credit Card onto the App to use. After being on hold for several minutes, the agent came back and said (this is good!)"After speaking with my supervisor, we need to get a higher level of authorization from you. You must SUBMIT a video of yourself telling us your name, address, phone number, email address and SS#!!" I BLEW A GASKET!!!! My credit score is WELL over 825, have other credit cards with huge limits and was approved for this PAYPAL CREDIT CARD in less than 2 minutes!! I am CLOSING MY PAYPAL ACCOUNTS, CREDIT CARD, DEBIT CARD and blasting them here for being disrespectful and argumentative to a LONG TIME cardholder!! GOODBYE PAYPAL!!! I NO LONGER NEED YOU!!!!!!! read more

This Bank is beyond pathetic. They use a teaser high cd rate to get you to open an account. Than at renewal time the rate drops like a stone. You are better off getting the berst rates at a Brokerage Firm like Schwab. ....But the worst thing is the identification process for closing your account transactions. I gave them several passwords and answers about my High School so they know its me when I call in. They are so paranoid about identity theft that they make things very inconvenient. They insist on sending messages to cell phones, smart phone apps, etc. I am in my late 60's and mostly use a computer. Yet they say e-mail messages can't qualify as being secure. Even though I live alone and keep my computer out of site. Customer Service is worse with these People than it is your local Cable Company. read more

Terrible experience with this bank. They are not looking out for the customer at all. The "managers" tell you "I can do anything for you". Such a terrible experience after being a customer for more than a decade. Never again will I do business with them. A true scam. Stay away from them. I had the same experience as all the others. They don't warn you about a promotion ending and relaying on collecting deferred interest payments. read more

make me pay for a botched car repair job. Do not use meineke car care!!! They didn't care that it was a botched job I told them the situation and they still forced me to pay read more

Synchrony bank are thieves liars and cheats. Don't do business with this company. We bought a bed from sleep number and we were making payments to these people on time every time and they sent us to collections, saying that we didn't make our payments on time. Even though we proved that we never missed a payment.These evil people didn't care and sent us to collections. read more

This company is trash, one day late one time in so many years of being a consistent customer and couldn't assist with waiving late fee and reported me To Credit Bureau. read more

they screwed up my credit score and I don't even have an account all they employ are foreigners read more

Do not acquire a credit card from this company. They will rob you blind every single month and every single month you will need to call and deal with it. Do not use this company. read more

ABSOLUTELY WORST BANK I'VE EVER HAD A CREDIT CARD FROM. DO NOT WORK WITH THESE PEOPLE THEY ARE SCAMMERS I was told on December 13 that I would no longer have any more interest on my card as long as I paid $1516 by Jan 11th. MIND YOU I PAID EXTRA WITH $1570. Paid everything off before the date, then 2 days later they charge me more money on my account that I closed out. I tried calling them and was sent around in circles by their account managers who even said this weird rule that you have to be helped by 3 account managers in order to be helped by superior authority. Then I just get sent to the 4th account manager!! She couldn't even tell me the math on how I was getting charged. An account manager can't tell me the math of how I'm getting charged interest??? read more

They cancelled my Credit Card for no reason. I have a credit rating of from 791-825. I couldn't even log into my online account for the CC. This bank has their fingers in a lot of businesses. Would recommend asking if the lender is Synchrony and if so, decline. read more

If you have your payments on auto-pay and you do deferred interest, be very careful and monitor each statement. I fell for the trap and didn't notice my auto-payments were being lowered over time so I had a balance at the end of the promotional period. Long story short, my balance exploded and ended being more than what I started with because they retroactively charged all the interest and then started adding in interest month by month on top of that. I was thinking the card was almost paid off until I looked at it. I am taking great joy in closing all my Synchrony accounts, especially the one I use almost on a daily basis. My credit score is well in the 800s and the hit from the closed accounts won't affect a thing. I will NEVER use a card or credit that's owned by this company again. It is comforting reading the reviews and see that I'm not the only one that fell for this as I felt so foolish for allowing this to happen. Most definitely a lesson learned. read more

I opened an Amazon prime account which is unfortunately through Synchrony bank. About 6 months after opening account I made two payments one month from different banks intending to pay my balance off. I went to my synchrony account days later and saw "account closed." I wasn't notified by phone, email, or text. After looking into further they declined one of the 2 payments I made after showing processed and paid. Luckily I made the 2nd payment so they couldn't report any late or delinquent payments but clearly they don't want customers that pay their bill in full every month. Scandalous read more

Sam's club uses synchrony. They are the WORST bank I have ever dealt with. Double charged for airline tickets. It should have taken 10 minutes to resolve. I has to spend 30 to 40 hours with many different people before it would be resolved. read more

This by far is the worse bank ever. I had setup my automatic payments and they deliberately didnt charge me for 3 months towards closing my balance. Three months later a charge of $900+ and $1300+ interest in addition to my balance. I had to opt for interest free easy from credit bureaus only to find out they charged me the entire balance of $5800+ which i never authorized. If i don't get my refund, i am going to consider legal options. They is a scam to say the least. read more

Predators. Told me 48 month 0% percent. Not even a year into purchase and ive been swindled out of 700+ in intrest and in fees.

HORRIBLE CUSTOMER SERVICE!! No knowledge of banking business was my experience. Their biometrics/face scan took 45 minutes to work after trying Every room, hallway, outside, lights on, halfway lit room, ie...and Even Then spent Another hour the next day with customerservice and had to try to redo!!?! SAVE YOUR TIME...PLUS, when tried to loggin to my acct, didn't recognize my cell phone that was Clearly correct and in Their system, properly, so spent another hour with a rep, another hour with a supervisor, and it Still had me locked out!! UGH!! RIDICULOUS!! I took my business elsewhere. God bless em. Happy holidays, Love and light to All read more

Evil company. Closed my account that was paid in full. A listed reason was that I don't have a current mortgage. So I'm not in enough debt for them i guess. Their goal seems to be ruining credit scores/ lives. Customer "services" are cold and callous. Do NOT recommend! read more

Terrible customer service. I have had a PayPal credit card for a few years now and never been late. I have always paid it before the due date. I decided to pay it off so I would have something to use for a vacation coming up and as soon as I did, they cut my credit limit to $100. Really??? Is that how you treat good customers. Unbelievable!!!! Never again Synchrony Bank. read more

Horrible, horrible, horrible experience! A huge amount of money was fraudulently removed from my account. It has been restored, but my account is restricted and I cannot access the money -- it has been a month! Worst experience with a bank in my entire life. Avoid them like the plague. read more

Treats their paying customers like shit by removing credit to the point the account is now over limit.

Hmm.. Paying what cards I have with this place off. What a joke. One of the worst. Wish Comenity would get some of their big accounts. You chat and ask questions and reps are clueless. Also if you are not keeping a balance and you pay off they are quick to close. Doesn't matter if you pay on time or pay more. Always pay on or prior to the due date. Wish Amazon would use a different bank. HORRIBLE read more

As a PayPal customer, I was offered a Cashback Mastercard via Synchrony Bank. I spent less than $500 and earned $60.87 cash back. When I went to pay my bill, the system would not let me redeem the amount towards my bill payment. I contacted customer service to find that my account had been closed (not by my request) and that I forfitted the cash back amount. I requested an escalation to try to resolve this issue several weeks ago and again today. They thanked me for being a valued customer, yet I do not feel valued. Synchrony reneged on their end of the account and now I'm expected to pay off the balance. PLEASE do not fall prey to this SCAM!! I am going to file a complaint with the bank, write as many poor reviews that I can and advise people of deceptive financial practices by Synchrony Bank (like nobody already knows!). Stay safe. read more

My experience with Synchrony Bank has been nothing short of frustrating. They advertise promotional financing as if it's a customer benefit, but in reality, it feels like a trap. Synchrony charged me the full interest amount the moment the promotion expired, without sending a single reminder that the promotional period was ending. Most reputable financial institutions send at least one notice, if not several, to help customers stay on track. Synchrony, however, seems to rely on customers slipping up so they can hit them with excessive interest charges. It feels intentionally predatory and completely misaligned with what good customer service should look like. If you're considering using a Synchrony-backed credit product, be extremely cautious. Their lack of communication and willingness to take advantage of customers is unacceptable. I will not be using their services again, and I strongly encourage others to think twice before doing business with them. read more

Do not bank with this company ever! I got a credit card with them last year through Lowes and used it to purchase flooring from our house. I had a $4000 dollar limit and used roughly $3000 of it for this project. I left what was available for future projects and made monthly payments to keep it in good standing. This year I was attempting to pull a cash out refi on my home and needed a small boost on my credit score (was low 700's and needed to be 720) so I paid off the card. Within 2 weeks of paying it off synchrony dropped my available credit from $4000 to $100 dollars which in turn dropped my credit score to the mid to high 600's. I now can't do the refinance on my home until I get my credit back up. Worst credit company I have ever dealt with, should be 0 stars. read more

My wife and I have over 830 credit score and have had our Sam's club card for years with synchrony Bank. Had a Friday issue and they sent us a new card that we were only able to use 3 days before they locked us out again. We couldn't use the card for months All the verification processes failed on several different days and we even mailed in paperwork which of course was not good enough. We had the Sam's club representative on the phone with them for 45 minutes at the service desk and they finally straightened it out. I closed my account anyway. Then my Lowe's card was locked out of signing in because I screwed up my password twice. They wanted me to go through this whole process that I just went through with my Sam's card again with verification and there's no way in hell I was going to do that. I just closed my Lowe's pro account with synchrony Bank as well. Absolutely horrible the way these people could care less and make this process arduous on purpose. If there's any way possible the rest of my life I will never do business with these people again. read more

I changed banks and Synchrony verifies the bank account by placing 2 small deposits into that account. After verifying the deposits I was allowed to make a payment. So I paid the card off which was just shy of $400. Then checked my Synchrony Bank CC statement. They were taking the payment 3 times. I spoke with a Supervisor who told me they will take all 3 payments and I will have to file for a review after they take my money. Then if they decide to refund their error, I "should" receive a refund check in 6 to 8 weeks. They refused to budget on their error even though I caught it immediately. I advised that I would have those charges blocked and pay from my original bank account which is still open and funded. Synchrony Bank actually threatened a negative credit report, fines, and cancelation of my card. I have never been late on any payment so I did so regardless and will be happy to see that account be canceled. I will also cancel my Lowes and Academy Sports cards which I used for store discounts but will not deal with them again. read more

This company is trash. They closed my accounts because their was an error with my payment process once I used the synchrony app to pay both my Amazon and Mattress Firm accounts. Both payment accounts had the same names but you couldn't see which bank account your were paying from causing payment issues but I was never late. The charged me interest after I called to payoff my Amazon account stating I paid during the billing cycle which occurred interest they wouldnt remove the 2.15. I will never do business w synchrony bank once my Mattress has been paid off. read more

I applied for their credit card and they told me I'm not approved, and a month later I found a card from them on my mailbox. Now I can't cancel because my credit will go low. I called them and the lady was soo rude. You're the worst bank, doesn't know how to explain, doesn't even know how to talk to people. Is that how you look for customers? You're scammers!!! I don't want your credit card! read more

Beware of this credit card company I had numerous credit cards through this company opened for many years. Never had a missed payment. Always paid more than the minimum payment and then all of a sudden they closed every one of my accounts I believe they closed my accounts because I do not play their predatory game that they prey upon people with The vast majority of my purchases were made taking advantage of their zero interest. Deferred promos and I always paid them off in full before any of the interest kicked in They made the offers and because they didn't make any interest off me and I played their game they closed every one of my credit cards So beware of this company. They are scammers. The only way you are a good customer in their eyes is if they make a ton of interest profits off of you read more

First of all it would be great if the had some answer the phone that you could understand. Beware of Care Credit and Synchrony Bank I just bought them for 37 dollars. When I got the card for dental work the Dentist told me it was for 1 year to pay off I paid my bill each month on time. I called to pay it off early and get rid of the card. They tell me i have 500 dollars in interest charges because my promo end 14 days earlier which was 6 months. I asked the agent to pay off the amount i owed without the interest and that i was not paying it -Some should have called to alert me of this. I called back to make sure the account got adjusted as the agent told me they would do. They never did it and after arguing with the new agent she adjusted it and still worked me over for an additional 37 dollars WTF!!!!! I paid and close the account and Posting this Beware! They are rip offs and they cant wait to stick it to you. Go somewhere else and tell everyone they are crooks and not forthright or have any care for their clients. 500 dollars interest on a 2000 dollar charge for 6 months Some should got to jail. Synchrony Bank and Care Credit is a scam to rip you off you outrageous interest charges. Do yourself a favor and Some mentions any of the aforementioned Run away they will rip you off. read more

If I could give them negative stars I would. I have made ALL of my payments (exceeding the "minimum amount due") on time yet, this outfit has claimed that my bank has "dishonored" a number of payments. There is zero evidence of this and in fact I see all of my payments to Synchrony coming out of my checking account on time. I called my bank to see if I was possibly missing something and was told that they have honored ALL of my payments to Synchrony Bank. Synchrony has cancelled my CareCredit account and reduced my credit line on my TJ Max credit card... again, ALL payments have been made before the due date! I have spoken with their customer service department several times with no resolution. They can't prove that the payments were not made because each one shows on my Synchrony statement! It's like trying to talk to a crazy person. If all this isn't bad enough, they've reported me to a credit bureau! read more

My wife signed up for a credit card at lowes I have failed multiple attempt s to create an account, to add a payment method, etc. the online interface has frustrated me to the max. I add all the correct information and I am still unable to pay the balance on the card. As a result my payment became overdue, etc. Now I have to have my wife call in and cancel this card. I like Lowes, but sychrony's online interface is the worst. read more

Extremely disappointed with this company. They charge outrageous fees and then label it a "late payment" even though I've been overpaying on my furniture every single month. This is shady and dishonest business. I will never do business with Rooms To Go or the bank they partner with ever again. Feels like a scam. Be careful. read more

Absolutely awful. My wife and I have used them to help finance our furniture through Furniture Land South in North Carolina. We only decided to work with them because their was a promotion for interest free financing for the first 6 months of payments. We gradually paid things off over the time of the promotional period. At the time of the last month of the promotion where things would have been paid in full ,we had an interest charge that was MORE THAN DOUBLE the remaining amount on the bill ($628). I conversed with someone in their department who was able to remove the interest charge after I paid the remaining amount...HOWEVER...they did not remove the interest charge in time so I received a LATE FEE of $28.. Then, after they couldn't remove the late fee and I PAID the late fee, this month I was charged ANOTHER interest fee of $33. The representative Sophie Ashen, said she could not help me remove this interest even though it was their screw up in the first place AND I paid THEIR late fee on time. Whatever they can do to squeeze as much out of you to make an extra buck. Will NEVER be using them again. Punishing people who are doing right by paying their bills off in a promotion that they set, just to trap them into paying more. read more

Synchrony Bank has to be the most user-unfriendly system I have ever used. I've 1 account, Sam's Club, that is serviced by Synchrony Bank that I use my Debit/Credit card to make my payments. It has been several years since they acquired the servicing for that account. I recently purchased furniture at City Furniture and the store setup the loan account. I received the information for the new loan and was pleased the new loan would be serviced by Synchrony Bank. I signed onto my account and saw both accounts listed. After registering the new account, I attempted to make the 1st payment, and the website would only allow me to put in my Bank routing and account number. I don't use this method to pay bills online for security reasons. I contacted Synchrony Bank and spoke to customer service, technical support, and John Accountmanager who all told me that is the only way Synchrony Bank would accept setup for an account that wasn't late. Synchrony Bank should look into their online customer facing policy and procedures. Telling customers 1) it's my way or the hi-way or 2) there is nothing I can do for you. Synchrony Bank should understand they need customers and not the other way around. read more

Let me tell you what never ever going to use them again they don't even have the ability to email you a payoff they don't email anything everything has to go through snail mail to pay off my loan it seems like they make it the most difficult thing so you don't pay it off one star anybody who's ever borrowed money and then paid something off knows it shouldn't be this difficult horrible place to work horrible place to do business Don't get scammed read more

They are a scam. They do not disclose all the information and appy 39.9% interest rate on the amount I have already paid.

Worst bank have ever had in my life I had a polaris sxs financed threw them they ended up charging me way.... to much in interest on payment I made called them so they could get it straightened out they said nope everything is correct on are end. Wrong so they started stealing my money so I paid loan off but they supposedly lost the check 3 months ago still have loan threw them even though the $21,000 check shows cashed can't get rid of loan now and out $42,000 THESE PPL ARE SCAMMERS read more

Terrible customer service, they don't care to help you they just wanna tell you no and move on to the next and they don't disconnect you so that you can do survey. They leave you on until you decide to hang up. Clever cause they don't want their bosses knowing they suck as representatives. read more