Report: #1414678

Complaint Review: Synchrony bank

  • Submitted: Sat, December 02, 2017
  • Updated: Sat, December 02, 2017
  • Reported By: Anonymous — other United States
  • Synchrony bank
    Draper
    , Utah
    United States

Synchrony bank They put a false/bogus fraud alert on my card and blocked me from using it. Utah

*Author of original report: Not confused

*Consumer Comment: You seem a bit confused

Show customers why they should trust your business over your competitors...

I was trying to purchase items online at bed bath & beyond during the cyber Monday sales. For whatever reason, when trying to purchase items from this site there is always an issue. I called the listed telephone number thinking it was bed bath & beyonds customer service. Since I had to end up calling and placing the order over the phone the first time that I tried placing an online order. It turns out it was the telephone number for synchrony bank. They verified all of my information for my account, then stated they had to send me a code by phone. The manager from the fraud department called, I clicked over and received the code.

However, I was then told because the number showed up as connected to an isp, I could not use it and would have to wait to receive another code in the mail. Then they placed a fraud alert on my account causing me to miss out on valuable sales putchases, which were presents for Christmas. This was a false/bogus fraud alert seeing as how when I initially received the card the number was through an isp. Why all of a sudden can it not be used for verification when it was initially. In the mean time I am unable to use my card, which is what we use for gasoline, groceries, etc. I called in again after not receiving it by this weekend and was told it will take 7 - 10 business days to receive. This is outrageous, as I did not report this card lost or stolen, so why woild they place a fraud alert on it and deny me access to my own card.

Especially when the card is always paid off in full each month. If this is how they treat their so called valued customers then it is shameful. The sad part is, they just automatically upgraded me a couple of months ago, which let’s you know I ensure my bills are always paid on time. What’s worse is they get an attitude with the customer, when they are the one’s in the wrong. They also will not give you the number to corporate when you ask for it. DO NOT SIGN UP FOR ANYTHING THAT HAS TO DO WITH SYNCHRONY BANK!!! The customer will end up getting screwed in the end and put in a diffucult situation when they are not allowed access to their own card.

Is this Ripoff Report About you?
Ripoff Report A business' first line of defense on the Internet.
If your business is willing to make a commitment to customer satisfaction Click here now..

Does your business have a bad reputation? Fix it the right way. Corporate Advocacy Program™

Set the record straight: Arbitration Program

SEO Reputation Management at its best!

This report was posted on Ripoff Report on 12/02/2017 08:23 AM and is a permanent record located here: http://www.ripoffreport.com/reports/synchrony-bank/utah-84020/synchrony-bank-they-put-a-falsebogus-fraud-alert-on-my-card-and-blocked-me-from-using-it-1414678. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals

REBUTTALS & REPLIES:
1Author
1Consumer
0Employee/Owner

#1 Author of original report

Not confused

AUTHOR: Anonymous - (United States)

 If they found suspicious activity, then fine, representatives will normally let you know there was suspicious activity on your card. They will then verify the most recent charges to see if you actually made those transactions as well as verify the current transaction attempt. None of this was done... They verified my information, but still added the fraud alert. If the telephone number used in conjunction with the isp was going to be an issue, that should have been stated upfront. However, it was never mentioned and they have also previously used the number that is linked through the isp long after I had the card, so why is it an issue now? I do not use debit cards, therefore that is not an option. I’d rather not walk around with lots of cash for transactions, as it is becoming increasingly more dangerous for anyone to do so...

Respond to this report!

#2 Consumer Comment

You seem a bit confused

AUTHOR: Robert - (United States)

You seem to be a bit confused.  This isn't your card or your account. When you use the credit card you are borrowing their money and if you read the terms of the account you will find that the card actually is their property that they are just allowing you to use..just like every other bank. Where just like any bank they are going to monitor transactions and if something comes up as suspicious they will disable that card.

It doesn't have to be a case of you calling them. I've actually had my banks contact me about suspicious activity before I even knew about it on more than one occasion.

When fraud is detected, it is going to take more time for them to verify that you are the legitimate person.  "IP" phones mean you could actually quite easily "spoof" the actual card holder and while it may have been good enough to get the card, when fraud is suspected it raises additional red flags.

Yes this is inconvienent, but this could have happened with any credit card.  It is also a lot less inconvienent than you trying to dispute what may have been several hundred dollars worth of invalid charges and then trying to get them to credit it AFTER the fact.  

Now, if your account history is as you say there should be NO reason that this caused you to be left out of sales.  As you stated you pay off this card every month. So this means that you must have the money in your bank account to be able to do that. So why didn't you just use your DEBIT card from your bank?

Respond to this report!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.