-
I’m not really sure what you mean. Let me tell you what I do and maybe that will help? I go to flex pay (HSN) and check my total balance & write it down. Then I go check the balance of my HSN credit card (Synchrony Bank) & write that amount down. Add the two amounts and that is the outstanding total. However, the bank does not charge you for the future flex pays, unless, of course, you go to the flex pay database on your account at HSN and choose to pay future flex pays in advance. I have not experienced a problem with this thus far. Sometimes I pay some of the future flex pays before they are due just to get them out of my hair. When I do this, I expect to see them on the upcoming bill (unless, of course, I wait til the last minute & then they appear on the next bill after that).
Nowadays I only place orders on free shipping days or on items where shipping is free.
Synchrony Bank has the highest interest rates out there and now they charge $1.99 for paper statements. I wish HSN would finance their card with a better bank. Once an HSN card balance gets somewhat high the monthly payment is almost as much as the interest. Loan shark comes to mind every time I get a bill from HSN. I have now switched my payment option to a different account so I can pay the HSN card off and cancel it. I prefer to not use pre-paid return labels because I want to confirm that I received the entire refund on my statement. It is unsettling to have to pay several dollars to return an item that was shipped to me for free. If HSN would charge less to return items that would be nice. If I purchase a clearance item w/free shipping and then return it, I should not be charged anymore than $3.50 for a pre- paid label.
I agree with you. I never open any bills on line or in fact anything that comes from a bank or company that has to do with money – I just delete emails about accounts, applications for charge cards, and anything about money and bills immediately then go to my delete box and permanently delete them. Several companies I paid on line a long time ago were hacked. These were good companies that got hacked and our info went to hackers so the companies are required to notify us that our info was taken. I was advised to change all my passwords which I did and have been notified by a credit agency that my email address is on the dark web and there’s no way to remove it from the dark web where personal info is sold, so change my passwords. This is why I have cancelled all my Synchrony charge cards. I will not be forced to get online statements or pay online and I will not pay a “paper fee”. SO far Paypal has not been hacked and it is the only way I pay on-line, but I prefer paper and mail.I mail checks as payment. I never write my full account number on my checks and my address is not included on my checks. Lots of people don’t know that you can just have your name on checks without your address. The less info out there – the better.
I received the email yesterday. I pay off my bill entirely every month to avoid there high interest rate. Wondering if this makes them mad since I never have an interest charge.. I will call HSN tomorrow to change all my flex pay charges to another card. I had a card with Kohls and they changed there payee to Capital One about a year ago. Therefore they got rid of Synchrony Bank.
I have not received the increase letter yet from HSN, but I expect it soon. I have 2 other credit cards that are handled by SYNCHRONY BANK and I have received the increase letters for them, so today I canceled both those credit cards. For me it is not about the higher interest because I pay on time and never receive an interest charge, but I am totally against the $1.99 “paper” fee I would receive with each paper bill. When i buy paper for my computer it costs a couple of pennies per sheet, so why would I want to pay for a paper bill, not to mentions that one bill a month would add up to almost $24.00 a year – it’s like a tax! It’s not the money, it’s the principle. I realize if I go to electronic statements that fee is waived, but I do not pay bills or open statements on computer or phone, because I used to do it until my info was stolen and now that email address is on the dark web, and also someone used my card to buy dinner and stuff in Texas where I have never been, so I refuse doing anything with money on the internet. Anyway, when I get the letter for my HSN account I will cancel the card. If I want to buy something I’ll use Master Card for it and get that statement without a paper fee!
Synchrony stopped sending me paper bills without asking many months ago. I use my HSN card only when there are irresistible offers available only if using it and even then sometimes hesitate to order the discounted item. If HSN so badly wants people to use its card, perhaps they should consider using another bank to handle it. I pay my bill In full so thankfully the interest rate raise doesn’t affect me; I can only imagine how hard this will make it for those who do.
I did NOT get a letter about this for HSN yet, but I am expecting one because a already got this notice for 2 other company’s charge cards. It is SYNCHRONY BANK, who handles many companies charge cards, and it is Synchrony making these changes. I do not mind the high interest rates because when you use the value pay system and pay on time you never get interest. I always pay on time so I personally don’t care about this increase. However, I do object to a $1.99 charge each month for a paper statement. So a bill every month will add up to about $24.00 a year for just paper. Paper charges are ridiculous and I will not pay for paper! It’s not even the money, It’s the principle about paying their paper fee when a whole pack of paper I buy for my printer only costs a few pennies a sheet. I think it is their way of trying to get us all to pay by electronic means. I do not do anything with money via phone or computer because my info was already stolen once and so I no longer pay or look at billing info on the internet. Therefore, I will be canceling my cards from Synchrony as I get these notices. If I want to buy something on HSN, I can use a Mastercard or Visa. It’s really the principle here – I won’t pay for a paper bill. I will only use a charge card that doesn’t charge a paper fee!
HSN_Krissy Moderator 6 days ago
Hi, I am sorry to hear of your experience. If you pay your FlexPay with a Visa, we wouldn’t notify Synchrony Bank because they have nothing to do with a charge to a different credit card for another financial institution. I changed my payment method to my Visa. I have been fighting with my HSN card since May 23rd. They billed both cards! If that’s the way it is why does HSN allow you to change your payment method? They get two payments. I did that with many orders or I may have never noticed it. I am sure it has happened to me in the past. I am really upset. No help from HSN!!!
Where should I send paperwork? To HSN. I have already mailed it to my HSN card. These disputes started May 23rd. I received no help at all from HSN. The Synchrony bank card knows I was double billed. They should have my paperwork the middle of this week. You can’t look up payments made to my Visa card??? If you aren’t going to notify the HSN card why on earth would you let someone change a payment????? I am so mad right now. I have over $1000 paid twice!!! I believe it happens often but isn’t picked up if it’s a few charges. I’m sure it happened to me before. When it’s at least 30 transactions I noticed it & reported it to HSN & the HSN card. Please look into this! Thank you,
**Edited by HSN: Removed first and last name to comply with Community Guidelines**
I was told to call 800-933-2887. I did & they would not even listen to my problem. Synchrony bank is not showing payments made with my visa card. Apparently when I changed cards to charge my visa instead of Synchrony bank none of my payments made with my visa are showing. Everything according to HSN is paid. So they have received payments from my visa & my HSN card. I will be calling Synchrony bank when I am alone. I will never use my hsn card again. I will never do a flex pay either. HSN has a big flaw in their system. My flexpay says everything due is paid! Synchrony has me owing more than $900.00!!! Check your statements carefully. I was sick in March & April & just figured it out when I looked at my May bill.
Posted in Forum: Talk Among Yourselvesif you have a hsn mastercard, please’ dont’ use it in any furniture store, any local stores. you cant use it in your home local stores on any domestic purchases of six hundred, seven hundred, eight hundred and then mail them the full amount.once they get your check paid in full, they will reverse your payment back on to your hsn mastercard because they’ll cash it, then turn it into promotional finance purchases. if you use it at home, you can only make small purchases. any domestic purchases you have to make it on hsn because synchrony wants to finsncec it. if you have other mager credit cards , please’ use it, for buying TV’S furniture, synchrony will keep billing you for the same purchases payment you just paid in full. it’s a reverse payment, a charge back because you didnt finance it. what all this means, you have to make any mager payments above on line. trust me there not worth you. avoid them at all costs.
Posted in Forum: Talk Among Yourselveswatch out for bank fraud in synchrony bank on charges to your synchrony bank account credit card if you have one for charges of a balance ( purchase) that you paid by(BANK afficial teller check) or personal check money order. i sent them an afficial bank teller check for $752.99 for a recliner i bought here at home, put it on my hsn master card, synchrony has my banks teller check, they reversed it on tl.my mastercard in the amount of $912.53. i dont purchase anything for that kind of miney because i dont have that kind of money. there looming to get money on 742.99 twice. plus almost $200.00 that i dont know anything about. in june or july they put somone eles money in my account in the amount of four thousand, two hundred that belonged to another womens bank in Alabama ” regent bank. since they had tried billing me for nine hundted, twelve fifty three. my flex pays arent even $100.00 for this month. if you make that amount of a purchase, use another bank card. DO NOT USE SYNCHRONY BANK CREDIT CARD!!. FOR THAT AMOUNT. WATCH YOUR CREDIT CARD.
Posted in Forum: Customer ServiceI set up for online bill pay but it got rejected. So I called today and they took my payment over the phone. The lady said it would show a 0 balance due. But I went back to the Synchrony website and it still shows my payment is due and the due date is tomorrow!! I’m new to this, does it take a few days for the online to reflect the payment? Or if it doesn’t show up tomorrow, then am i gonna have to pay again and incur a late fee and interest??? The money has already been taken out of my bank account and i have a screen shot to prove that.
Moderator- 06.06.22 1:33 PM
I am sorry to hear of your experience with us and the confusion that your FlexPay has caused, @dlrdeb. Our FlexPay program is completely separate from your HSN Credit Card billing with Synchrony Financial Bank. When you select FlexPay on your orders, your credit card will be billed for the first monthly installment, plus tax and shipping. The balance is then automatically billed to your credit card in equal monthly installments beginning 30 days after the original order date.
We do not assess interest charges or fees on FlexPay or ExtraFlex. However, use of your HSN Card or other credit card for FlexPay or ExtraFlex payments may result in interest charges and other fees in accordance with the terms and conditions of your individual credit card agreements
Never really had an issue with Synchrony Bank until my husband and I did not receive our Lowes bill (also issued by Synchrony Bank) for May 2021. Unfortunately we had a lot going on (who doesn’t) in May and as we do not charge on the Lowes card every month (and always pay the amount we owe in full when we do), it slipped our minds. When we received the bill for June, we realized that we missed paying approximately $75 for the May bill because it was listed as overdue along with interest (under $3) and a past due fee in the amount of $29. My husband called Synchrony Bank and explained that it was an unintentional oversight on our part, that we received no bill for May, and that we have a history of always paying our bills on time (although we messed up this time). The Synchrony Rep waived the $29 fee (or so we thought). We sent in the entire payment plus the interest (under $3 for interest) less the fee. After they received the payment, Synchrony emailed my husband and told him that they were NOT waiving the $29 fee after all. Synchrony went back on their word. However, one good thing, at least my husband got the email promptly informing us that they wanted the $29 fee. I was able to mail Synchrony the $29 in time (before it began late). Yes, in essence, it is our responsibility to pay our bills on time, but I personally hate it when the Synchrony Rep agreed to waive the fee and then they decide NOT to honor their word. We paid the bill and the fee and the balance should be zero. My husband said that he will not be using the Lowes card again because of Synchrony’s behavior. I am looking at ALL of our cards and anything that is related to Synchrony will not be utilized. If we purchase anything from HSN, we will not be using the HSN card due to Synchrony’s behavior. I doubt it will make that big of a dent for Synchrony to notice. They will most likely survive without us, but, in turn, we will just fine without them.