Report: #1355576

Complaint Review: Synchrony Bank - Nationwide

  • Submitted:
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  • Reported By: Grayfox126 — Illinois USA
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  • Synchrony Bank Nationwide USA

Synchrony Bank, Synchrony Financial Rewards, Credit Card, Customer Service, Denial, Rude, Ripoff, Cheated Nationwide

*Consumer Comment: Let's talk contradiction..

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I am writing this review as a cautionary tale. This should give some insight as to how Synchrony Bank treats their customers overall.

My wife had signed up for the Sam's Club Rewards Credit Card, serviced by synchrony bank. We were lured in by the 5% cash back on gas purchases, and 3% on dining.

This company's rewards program does not work like other rewards programs. Other rewards programs offer multiple ways to redeem your cash rewards, such as direct deposit, statement credit, or mailed check. The Sam's Club Rewards Credit Card will only issue a mailed check, once a year, at some undetermined time in February. We never received this check and, honestly, I forgot about it.

In January 2017, we realized that we were missing the previous year's amount and we contacted a customer service representative of the Sam's Club Rewards Credit Card. It seemd to be resolved it quickly and easily, as the representative told us that we would receive the amount as a statement credit. A month passed and we did not see it on our statment so we contacted customer service again and we were instructed to contact their back office.

After speaking with the back office representative, we were told that we would not receive the amount in any form. I asked to speak to the representative's supervisor. After a 15-20 minute wait, I was able to speak to the representative's supervisor.

This supervisor was rude and condensending for the entire conversation. They told me that because I had waited to contact them after December 31, 2016, that I would not receive the money that I was owed. I asked since they knew that the check had not been cashed, why couldn't they re-issue the check? They then told me something contradictory to the December 31, 2016 statement. They said that according to the terms and conditions that I forfiet the amount if the check is not cashed within 180 days. This would land some where around August / September, not December.

This was a very poor example of customer service, and as I told the supervisor, we only have that card solely for the rewards program. This day forward, it will be zeroed out and left inactive. Please be assured that this card is not worth it and that there are better rewards programs out there.

This report was posted on Ripoff Report on 02/12/2017 08:09 AM and is a permanent record located here: https://www.ripoffreport.com/reports/synchrony-bank/nationwide/synchrony-bank-synchrony-financial-rewards-credit-card-customer-service-denial-rude-1355576. 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

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#1 Consumer Comment

Let's talk contradiction..

AUTHOR: Robert - (USA)

POSTED: Monday, February 13, 2017

Why if you got the card "solely" for the rewards program, did you not make sure you fully understood when and how the rewards are issued?  Then even if you knew it was sometime in "February" if you didn't get it by March not inquire about it?

Perhaps these rewards weren't really all that important, perhaps it being "solely" the reason is a bit of an exaggeration and it isn't a case of "honestly" forgetting about it but "honestly" not really caring.

By the way since it is 2017 does it really matter if you had until August or December of 2016 to cash the check? You missed BOTH dates.

Then if there are "better" rewards programs why did you not go to those programs earlier? How come they only became better after you failed to find out what happened to the check?

Oh and no before you even say it, I do not now or have I ever worked for this or any other credit card company.

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