-
Posted in Forum: Talk Among Yourselves
if 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 Yourselveswhat are the chances that somone on here missing huge amount of there money payment amount that never made it into there synchrony bank account and was posted to the wrong account
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.
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
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”.
<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.
- 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.
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.
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.
Posted in Forum: Customer ServiceI am completely furious!!! A few days ago I received an email telling my payment was past due. I immediately paid it online. Today I get the bill in the mail (bc they cancelled my paperless option) and I have a $27 late fee charge on a $7 past due amount! I called and the reps act so nonchalantly. They don’t give a if I cancelled or not. I told her I refused to pay that late fee and that I had just canceled and all she said was “okay, I’ll make on a note of it” WOW! WOW! I know I was not a big spender but I always paid my bill on time and most of the time in FULL. I have never been late and REALLY? REALLY? so . I know is my fault and no one else’s for being late. I just want to remind HSN Synchrony that they also made a mistake on removing e-billing and e-paying. I used to receive the bill through my email and through my bank’s billing payment system and was paid always.
Posted in Forum: HSN TVI purchase an item on HSN and used flex pay for 6months no interest. Ok fast forward paying my bill initially my flex payment was $23.32 cents Synchrony charged me $25.00 min payment, my assumption was that I’m payring over the flex payment so I’m cool. So I thought, I kept wondering why my bill was gettin higher every month so I inquired, well Sychrony tell me that if I’m not paying the balance in full every billing cycle I’m being charged a fee. So I’m saying I thought it was no interest free as long as you pay the flex payment every month, not so, if you don’t pay your remaining balance you will be charged a fee. Thes CC company know how to make money off of you. Flex pay in their mine doesn’t apply to them. So I ended having to pay them $109.30 when my flex pay balance was 46.44. So I say never use your HSN card for flex pay unless you plan on giving Sychrony Bank a cut.
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.