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Moderator- 07.01.22 4:39 PM
I apologize for the experience this has caused, @juicewrld7. Sadly, we don’t have access to your HSN Credit Card information and would be unable to help. I would recommend giving Synchrony Bank a ring again regarding when your payments will post.
- 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
Posted in Forum: Customer ServiceWas trying to order and said I had unpaid flex pay. First Lady put me through to a customer service rep who told me a flex pay was refused. My Hsn card was paid up to date. She said I was responsible for each single flex pay which I said they are handled by synchrony (Hsn card). She said that’s different. On and on in a heated discussion while she “explained” what flex pay was. I asked then why isn’t a separate entity billing me? I’ve been doing this for a long time and this has never happened. So I went to a third person (Synchrony) who said my account was up to date. She then put me back to yet another rep who said there was a glitz in the system and I was the 6 th person to call. 4 people, 30 minutes of frustrating calls, but lady #2 from hsn customer service was so rude and confusing.
Why would I want to continue with such frustration? Literally was told I needed to view each flex pay to make sure they were being paid on time. Really?????
Posted in Forum: Customer ServiceI placed an order on 11/9. It said extended delivery so I wasn’t expecting to get it quickly. I was pleased when I saw that it had moved to the “packaging” status but it’s been like that for a week. Then, after checking my HSN card/Synchrony account I see that the first payment (Flexpay) was already charged on 11/14. Usually I do not get charged until the order says it’s been shipped and tracking info is available. Why am I being charged so far in advance? And yes, the charge went through – it is not just “pending”.
I ordered an item last night and this morning I was checking my credit card charges as I often do. Lo and behold, HSN apparently charged me $5.95 shipping (in addition to the item’s first flexpay and the tax that is supposed to be charged) and it CLEARLY stated FREE shipping. This is the first time that HSN has done something like this to me. I don’t really understand how they made the mistake. Thank you, cmd1, for your post (even if it’s almost 3 years old, it is helpful). Hopefully, HSN will resolve this issue quickly. If not, I know what to do. I did not use the HSN – Synchrony card because I don’t particularly like Synchrony. I used a Visa (and the bank is NOT Synchrony). I enjoy HSN, but if they start making these type of mistakes on a regular basis, I will not be buying much, if anything. I am glad that your issue was resolved, cmd1, but it is ashamed that you had to go through all of that baloney.
<stro HSN and Synchrony Bank is a Rip off. They need to be investigated. I paid off my HSN flexpays in full on time and Synchrony bank tells me they haven’t received all my payments which I made online through HSN website. Synchrony bank was charging me late fees for a paid off account. The banks only explanation was that I needed to pay Synchrony and HSN on separate accounts! Are you kidding me.
If all my payments were suppose to be paid directly to Synchrony please explain why dose HSN allow customers to make payments on their website and not report the payments to the Synchrony bank which they are affiliated with? They even had nerves to report on my credit causing me to lose points. I will never in this lifetime purchase anything from these fraudulent companies again. I pray they both go out of business real soon. Buyer beware, purchase from HSN at your own risk, you’ve been warned.
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.
Cancelling the card will not stop you from being responsible for the payment that is due on the 10th..The card is issued by Synchrony Bank and all they see is what is on the statement..What HSN does is not their concern.Just like,Kohls, JCPenny, Belks, etc..The card has the store name on the logo but thats all as far as payments,billings,etc.If the payment isn’t there on the 10th you will be charged a late fee.It would be best to make the payment and then let them issue you a refund if the card is closed.
Otherwise your credit score is going to take a hit for a late payment.
Synchrony has closed 2 of my accts, JTV and Zulily without calling me, just sent a letter after the fact. Also they have reduced credit amounts on Amazon and HSN. These were lowered with the the reason of no real estate listed. No one asked me about assets or real properties when I applied! I received letters by mail after the fact. This hurts my credit badly. The 2 accounts they closed I owed nothing on the accounts. I think that this is extortion. The two accts. They took the amount of credit away to what I owed on these.
I’m so tired of things like this happening because they do know that it is bad on your credit report. I’m not going to do anything about the 2 closed accounts. Frankly I don’t want to do business with banks that do thing like this! I could see if it was me not paying but it isn’t.
NOT HAPPY!
- Moderator
- 03.13.21 9:01 PM
We’re truly sorry for any confusion with these payments, @redk. The HSN credit card is handled by our partners at Synchrony Bank. We recommend speaking with them directly at 844-889-9676 for more information on why the payments are being declined. You can also update these payments online under the FlexPay Manager if you would prefer to have them processed on another credit card.
- Member
- 03.09.21 6:39 PM
I really am sorry to hear of this experience regarding your HSN Credit Card. @brazilianmom. Sadly, we don’t have access to your personal credit card information so, we are unable to assist with this matter. I would recommend giving Synchrony Bank a call at 1-844-889-9676, Sunday-Saturday 7:00am-2:00am ET regarding any HSN Credit Card concerns.
Or, you can also contact Synchrony directly through their Facebook (https://www.facebook.com/SynchronyFinancial) or Twitter (http://twitter.com/asksynchrony). If you send your phone number by private message or DM, they’ll call you directly to assist.
I apologize that I am unable to assist with your concern and hope they will be able to resolve the issue.
Posted in Forum: Customer ServiceTERRIBLE experience with new credit card. After making a purchase and paying in full SYNCHRONY bank is harassing me every day by phone , emails and by mail claiming I haven’t payed. I call HSN they see I paid in full and tell me to deal with the bank. Costumer service please deal with the bank, clear with them . I CLOSED MY CARD and if this is not cleared soon I will never shop here again.
Posted in Forum: Customer ServiceI shop HSN on occasion as of the last 2 years or so. My credit limit was decreased without warning after I returned the majority of an order, sorry DG2 you don’t fit as well and consistently as you used to. Then I made my last payment on the balance and suddenly now my account is closed. I called and was told they ran my credit with Transunion and because of inquires I no longer was credit worthy. Has anyone else experienced this? Since the switch to Synchrony the HSN card is horrible! I just hate losing the history.
- Moderator
- 02.09.21 2:56 PM
I really am sorry to hear about your experience with the HSN Credit Card, @cutewifeiwas. Sadly I don’t have access to your personal credit card information and would be unable to help with your concern. I would recommend giving Synchrony Bank a call regarding your account. You can reach them at 1-844-889-9676, Sunday-Saturday 7:00am-2:00am ET.
Posted in Forum: Customer ServiceYet HSN/Synchrony CLOSED my account without notice. The balance was -0- My credit limit was $2000.00. This adversely affects my scores! I had been using other ccs to live for a few months due to the pandemic and the financial hit my business took. But I recently paid down my cc balances. Yet these jerks must have checked my credit scores prior to my paying down my balances. I will NEVER SHOP WITH HSN OR QVC AGAIN.