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  • Report:  #1526427

Complaint Review: Synchrony Bank

Synchrony Bank Synchrony Financial Synchrony closed my accounts even though I made payments

  • Reported By:
    Ashley Sinclair — Westminster CO United States
  • Submitted:
    Thu, May 18, 2023
  • Updated:
    Fri, May 19, 2023

I have 2 accounts through Synchrony Bank, one for Lowes and the other one for CareCredit. I recently opened up my ENT account to get some of my debt taken care of, so I wasn't familiar with how the account number was supposed to go in, so me not knowing I put the last 2 digits of the account number at the end, I had no idea that this would become an issue. I had submitted a payment on May 4th for my Lowes payment, logged back in there on May 5th saw that there was a balance still due, so I submitted another payment. Logged back in there on the 10th saw that there was a $77 balance so I paid it. I had no idea that the payments had gotten rejected until I logged in a couple days later to make sure that they posted. I didn't receive any notification, email, phone call, or anything stating that my payments had been rejected. Same thing happened with my CareCredit account I made a payment on May 10th for the full balance, once again I didn't receive any notification that my payment had gotten rejected due to them not being able to find the account, I found out once I logged in on the 15th, I saw that the payment was rejected, I immediately resubmitted payment with the correct account information for my ENT account and the payment was processed on the 15th for the full balance. I immediately fixed and resubmitted payments for the full balances and my accounts are still both closed. This is not fair in any way shape or form and I wish that Lowes or any company for that matter DID NOT use Synchrony Bank as their go to because they quite frankly suck to say it in the nicest way possible.

CareCredit payments

05/15/2023

Online Payment

ENT $ 1,143.18

05/10/2023

Online Payment (REJECTED) (didn't know it was rejected)

ENT $ 1,113.18

05/10/2023

Other Payment

NA -$ 1,113.18

 

Lowes payments

May 17, 2023 Online Payment (Processed)

One-Time Payment -$700.00

May 15, 2023  (realized that the account info was wrong)

Online Payment (Processed)

One-Time Payment -$49.27

May 10, 2023

Online Payment (Rejected) (didn't know it got rejected)

One-Time Payment -$77.25

May 05, 2023

Online Payment (Rejected) (didn't know it got rejected)

One-Time Payment -$1314.72

May 04, 2023 (didn't know that it got rejected)

Online Payment (Rejected)

One-Time Payment -$1314.72

April 28, 2023

Online Payment

One-Time Payment -$80.00

 

March 31, 2023

Online Payment

One-Time Payment -$100.00

March 02, 2023

Online Payment

One-Time Payment -$100.00

 

2 Updates & Rebuttals


Ashley

United States

WOW!!!! I'm not clueless but I can say you are a jerk

#3Author of original report

Fri, May 19, 2023

I can honestly say that you are a complete jerk, for your info yes, I kept an eye on my accounts and it showed as a pending transaction in my account and it showed processing in my Synchrony accounts which is why I thought everything was fine, when I logged back into my bank account and saw that the payment hadn't cleared that's when I logged in to my Synchrony accounts and saw that my payments had been rejected. The fact of the matter is. THEY DIDN'T CALL ME, EMAIL ME, OR ANYTHING to let me know that there was an issue with the account and them not being able to verify the account. If you read the other reviews about Synchrony, you'd see that I'm not the only one who has had issues with them. You jumping to their defense on something that has absolutely nothing to do with you and your experience with them makes me wonder if you shouldn't work for them. They'd probably hire you and then you can become one of the employees for a company that has no loyalty, no communication skills with their customers. You might fit right in, you should go apply.


Irv

United States

You Are COMPLETELY Clueless, Right?

#3Consumer Comment

Fri, May 19, 2023

 Let me guess....you made these payments with a card linked to a bank checking account, right? This is YOUR checking account which contains YOUR money. All the time this stuff was going on you were absolutely CLUELESS about what was happening with YOUR money in YOUR checking account because YOU don't keep written records of the debits and YOU never bothered to balance YOUR checking account! If this isn't hilarious enough, ALL THIS TIME you didn't even look at your checking account to even see what was going on!!! Again, it's YOUR MONEY in YOUR ACCOUNT, and you don't have a clue about it! You have absolutely ZERO IDEA if there was any fraud or bank errors with your checking account because you don't keep written records to verify everything! You keep on making these payments when you haven't the slightest clue as to if they are even coming out of your account. If you would have been checking the account regularly, YOU WOULD HAVE SEEN THE DISCREPANCY! Now you play the blame game and blame everyone else but the actual cause...go look in the mirror! You haven't a clue as to how to manage a checking account. That is exactly what you came here to admit to the world. Somebody who has COMMON SENSE would have seen what was happening and would have taken action at the FIRST incident. This is YOUR FAULT and definitely not anyone else's. Go ahead and get mad at what I said but better yet, LEARN HOW TO MANAGE A CHECKING ACCOUNT!!!!!!!!!

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