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Member- 07.15.20 4:04 PM
HI @schoolgirlelemen. Please contact Synchrony Bank at 1-844-889-9676 so, they can look into this further.
The 12 month payment and Flex Pay work totally different.It can be very misleading.With the 12 month they bill the whole amount at time of purchase then you have 12 months to pay it off in full.Its a different payment than the regular bill so you have to specify the amount paid you want applied to that balance then the rest goes toward the regular bill.If you don’t pay the full amount in that 12 month time frame then you are billed interest,etc for the whole purchase.Amazon has this same option so its much easier to make sure your payments get applied as you want by doing it through your online account at the Synchrony Bank website.Without reading the fine print most would assume you are billed monthly for 12 months but its not that way.
Posted in Forum: Customer ServiceI purchased a $600+ item, put on 12 mo. VIP payment. Synchrony Bank billed the entire amount on the first bill. I called HSN and was told to call the bank. I called the bank # and used prompt to for VIP payment and the prompt sends you to HSN not the bank. HSN agent tells me system shows 12 mo VIP payment, transfer to bank, told use prompt #1….did…that’s their automated system, no way to reach an agent. Multiple calls back and forth. Finally reached an agent, told me “they don’t give a monthly payment amount, they bill the entire amount and when I make each payment, I NEED TO CALL THE BANK AND TELL THEM AMOUNT I AM PAYING AND HOW THEY SHOULD APPLY IT!!!” WHAT!!!!! I spoke with an HSN supervisor who took the complaint. Said they didn’t know this was how the bank was billing, but,she can’t contact them. It’s correct in HSN system – 12 month VIP She said, can I call the bank and set up a conference call between the 3 of us. WHAT THE….. So totally unacceptable, item being returned and have another item in transit also with 12 mo. VIP which I’m only opening to get the paperwork and send back. Will pay whats remaining on the bill and cancelling my HSN card.
I’d never heard of Synchrony bank, but thanks for the info so I can avoid them. I’m not defending hsn because I am not a fan of theirs, but I’m not sure why it’s hsn’s fault. It sounds more like the bank.
Having said that, though, I just had a horrible experience with shipt, owned by target, which resulted in target blocking my redcard and purchases I’d wanted to make online for the better part of the last 2 months and practically treating me like a criminal due to their mistakes. They finally unblocked it a day or two ago after a huge hassle that was entirely their fault.
I think a lot of the problems like these stem from all of the automation involved, with no human intervention unless numerous complaints are made. If a human had read my email to shipt and acted on it instead of letting automation take over and go ahead and do the wrong thing, none of the frustration, stress, and anger I had over this issue would ever have happened. It’s probably the same in your case. Technology isn’t always a good thing, especially when left unchecked and unsupervised.
This would have nothing to do with HSN or QVC.
Synchrony is the issuing bank and only they have anything to do regarding the cards.I have a number of cards issued by Synchrony such as amazon,etc and have never had any issues.I manage my account on their site so I do keep a close watch on what happens with my accounts.
But I have seen a number of posts about account issues with them.So I consider myself lucky to have had no problems with them so far.They did close one card that had a zero balance and had not been used for 2 years and stated it being inactive as the reason for cancelling.So they will cancel for going to long without using one of their cards.
QVC doesn’t own HSN.Both are owned by Qurate Retail Group along with a number of other store brands.
Posted in Forum: Talk Among YourselvesI’ve had my HSN card now for over 4 years. I’ve spent multiple thousands of dollars with HSN. I have autopay set up but last month, for some reason didn’t go through so I made a single payment and thought everything was fine. I then received 2 letters from synchrony bank. One dates 5/25 informing me that the autopay payment didn’t go through and a second dated 5/27 informing me that they closed my account due to too many declined payments. Never in the 4 yrs I’ve had the card, have I had any other declined payments. They are always on time and payments are way more than the minimum amount due. I called and they couldn’t figure out why it was closed but said I need to make another payment and maybe when it posts, I can call back and they might reopen it. It’s already negatively showing up on my credit report as being closed by the creditor and I’ve been working so hard to get my credit to the point that it is now so I’m just angry. What is going on with this company? Is this the new norm now that they are under QVC?
My passwords have been a problem with synchrony bank, because they have a monopoly of my company credit cards. When I called the last time, I was calling about ShopHQ issue and they were talking about my Amazon CC. They (Synchrony) can’t keep them straight. No wonder there is so much confusion.
Not HSN’s fault.
- Member
- 05.24.20 8:45 PM
Hello @shanael_95 I am able to move FlexPays up to 30 days.
However, if you are looking to change the due date of your credit card payment, kindly contact Synchrony Bank at 1-844-889-9676 and they’d be happy to assist.
Which did you need assistance with?
This message is at the bottom of my Feb 2020 statement.
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Cardholder News and Information
VIP Easy Returns will not be available on purchases made after February 29, 2020. In order to receive Spendable Ka$H for qualifying orders made on or prior to February 29, 2020, your return must be processed within 60 days of your purchase. Once the Spendable Ka$H posts to your HSN account, you will have 90 days from issue date to redeem it.
Synchrony Bank may continue to obtain information, including employment and income information from others about you (including requesting reports from consumer reporting agencies and other sources) to review, maintain or collect your account.
The HSN Card is temporarily not being accepted in our HSN Outlet Stores until further notice. The HSN Mastercard® will continue to be accepted. We apologize for any inconvenience this may cause you.
Posted in Forum: Customer ServiceSynchrony Bank is the worst. When I got the alert of the change I had a feeling it was not going to be good. My limit was increase about 3 or 4 months ago fast forward to today, they decreased my credit limit to my balance amount. Keep in mind my accounts are up to date. I pay on time, been with hsn for years. I don’t like the fact that they increase your limit one month then 2 or 3 months later they decrease it. That affects your credit . Just wrong, once I pay it off I’m out. Comenity was better, hsn why
Posted in Forum: Talk Among YourselvesSynchrony Bank is the worst. When I got the alert of the change I had a feeling it was not going to be good. My limit was increase about 3 or 4 months ago fast forward to today, they decreased my credit limit to my balance amount. Keep in mind my accounts are up to date. I pay on time, been with hsn for years. I don’t like the fact that they increase your limit one month then 2 or 3 months later they decrease it. That affects your credit . Just wrong, once I pay it off I’m out. Hsn why them comenity was a lot better. disappointed
- Moderator
- 02.15.20 4:56 AM
@apple00, I’m truly sorry that there was an additional balance on your account. While I am unable to see what that might have been for, you can speak with Synchrony Bank directly at (844)-889-9676 for additional details.
Had my share of too many issues with synchrony bank in establishing my checking account. Due to their error they closed my account. Keep in mind I’m never late on my payments & I’ve been a loyal customer of HSN for years & brought a ton of items. I’m done with this bank. But not a problem as I’m in the process of paying off the account $265 balance & sticking with Amazon.
Hi ChicagoShopper and welcome to Community. I find that sending an e-mail to customer service works well. It sure saves waiting time on the phone. Another way is to use the Customer Service Thread within Community for any questions or refunds. The Mods have been with HSN for quite a while and they are extremely helpful. Normally, if the item is being returned because you do not like it, or isn’t a good fit, you pay for the return shipping. If the item is broken, torn, etc., there is no charge for shipping. However, I am not sure of this new ownership and what they would normally do to satisfy the customer. Under the previous owner, Barry Diller, he would absorb the shipping costs if it was defective. They also changed this to no more than 5 or 6 returns for the year would get the free shipping. As far as the new bank goes, I have not had a problem with them. As long as you pay your bills on time you should not have any problems with interest. Another side of Synchrony is that they also do the charges for the TJX Companies (Homegoods, TJ Maxx, Marshall’s, etc.). The bank, or any bank, for that matter, is only as good as their employees. Have a person on the other end of the line who doesn’t know the answer, is somewhat snippy, is not good for public relations and I can see why a customer would like to go elsewhere.
I also read that you would love to talk with the hosts especially when you have the product and you can attest to it. Seems most of the customers today are using Facebook to ask questions and to give information on the product. There is also a chat line and that number is shown on the computer on the live screen (or used to be). When you call in a customer service rep will ask certain questions and then will put you in a hold position for the host. In the old days, the customer service rep would ask if you wanted to speak to the host pertaining to your purchase of that item.
I hope this answers some of your concerns. Don’t be afraid to ask.
Oodie
I AM SORRY BUT YOU DID NOT ANSWER MY QUESTION OR DID WHAT SYMCHRONY TOLD ME THAT HSN NEEDS TO DO IN ORDER TO RELEASE THE FUNDS. I AM ASKING FOR A RELEASE TO BE SENT VIA FAX OR ELECTRONICALLY TO SYNCHRONY BANK TO RELEASE THE FUNDS OF $12.69 FOR THE AMOUNT THAT YOU AUTHORIZED FOR THIS ITEM THAT INCLUDES THE SHIPPING. THE CORRECT AMOUNT HAS ALREADY BEEN POSTED AND SETTLED SINCE YESTERDAY. I DO NOT NEED THE FLEXPAY BREAKDOWN, THAT IS NOT WHAT I ASKED FOR. PLEASE DO NOT SEND THIS TO ME. I HAVE NO NEED FOR IT. I CAN VIEW MY OPENED FLEXPAYS ONLINE.
YOUR TALK ONCE THE CORRECT AMOUNT SETTLES, THE OTHER AUTH WITH SHIPPING WILL GO AWAY, WELL, THAT DID NOT HAPPEN. RIGHT NOW I HAVE THE WRONG ITEM STILL PENDING AND TAKING FROM MY AVAILABLE BALANCE. SYMCHRONY TOLD ME IT WILL TAKE 8 DAYS TO FALL OFF. THAT IS RIDICULOUS AND I AM NOT WAITING 8 DAYS.
AGAIN, YOU NEED TO RELEASE THE FUNDS THAT WAS AUTHORIZED FOR THE @12.69 AND SNED A RELEASE FORM TO SYMCHRONY FOR MY HSN CARD. NOT ONLY, I AM THE ONE WHO DID THE RESERACH WHAT THIS AMOUNT WAS FOR AS YOU WERE NOT ABLE TO IDENTIFY IT, NOW I AM ASKING YOU TO RELEASE MY FUNDS ASAP.
THANK YOU