topic Re: Synchrony highs and lows. Lowe’s and Sam’s Club in Business Credit

Agonizing sans club business credit app process

pamon — Tue, 11 Jan 2022 04:58:06 GMT

What an ordeal. Got the plus membership since its a good deal with free shipping. Girl took app over tablet and was pending. Called symphony and that's where it derailed. Got some who transferred to someone. Handed phone over and got someone who you could tell was in his living room working. Couldn't figure it out so transferred me to an account manager. 15 mins later on hold told me 7-10 days after it needing further review.

granted just got Amazon 5k CL on corp acct so maybe to soon with symphony but what a pain of a process.

Re: Agonizing sans club business credit app process

4sallypat — Tue, 11 Jan 2022 15:15:11 GMT

Let us know what happens after you receive the Synchrony letter ?

I am considering getting a Sams Club business MC or SC since I just got a free membership and a Cap 1 Walmart Community business Net 30 card that can be used at Sams....

Re: Agonizing sans club business credit app process

Creditaddict — Tue, 11 Jan 2022 19:56:42 GMT

Sync and Sams for some reason has to be the worst product they back as far as processing and understanding.

The information has to match perfectly between corporate info and the membership info.

Once decided there is no going back even if was an error by the agent.

If you get pending... walk away! I have numbers direct I can give you... typically the sams employees don't understand the business side very well and they are not provided special numbers so they hold like the rest of us if calling standard number.

Re: Agonizing sams club business credit app process

pamon — Tue, 11 Jan 2022 21:08:02 GMT

Yeah the girl was super patient at Sam's just the synchrony folks who dropped the ball. The community card covers me at Sam's but more or less wanted this one as well. Over 80 Experian intelliscore so figured safe. Will see.

Synchrony highs and lows. Lowe’s and Sam’s Club

pamon — Thu, 27 Jan 2022 18:48:58 GMT

Filled out a commercial acct for lowes and got a reference number other day. Called them today and agent said was declined. 80 paused 5k with Amazon already but ok..

went to sams 2 weeks ago and spent an hour with 3 different agents and got no yes or no answer. Still haven't heard so figure call them. Very nice agent looked it up and said was approved for sans club MC with $8000 limit and card on way.

same bank 2 different sets of criteria. Synchrony is weird once you make good with them. Guess glad its a MC product vs sans only since I have the Wally community card for Wally and sams.

interesting to say the least

Re: Synchrony highs and lows. Lowe’s and Sam’s Club

4sallypat — Thu, 27 Jan 2022 14:46:06 GMT

Congrats on the approval.

Did you confirm you are getting the Sam's business Mastercard or are you getting the store card ?

Yes, Synchrony for business credit can be more weird & picky than personal credit.

I was declined for their Phillips/76/Conoco fleet fuel card but was approved for the Amazon Prime Net 55.

Re: Synchrony highs and lows. Lowe’s and Sam’s Club

pamon — Thu, 27 Jan 2022 18:48:41 GMT

Thanks synchrony agent by phone looked it up and said sams club MC so just waiting on card to see for sure. Yeah odd experience but with a 8k SL I will take it.

Re: Synchrony highs and lows. Lowe’s and Sam’s Club

username7 — Fri, 28 Jan 2022 17:32:18 GMT

Synchrony Biz side definitely operates entirely different from their consumer side. Just when you thought it couldn't get any worse...

welcome to business credit, buckle up!

Re: Synchrony highs and lows. Lowe’s and Sam’s Club

pamon — Sun, 30 Jan 2022 07:00:00 GMT

Yeah still waiting on card. Agent did approved on 15th. Said to give till Monday 31st and call back for possible reissue. Guessing they can't expedite a new card

@username7 wrote:
Synchrony Biz side definitely operates entirely different from their consumer side. Just when you thought it couldn't get any worse...

welcome to business credit, buckle up!

Re: Synchrony highs and lows. Lowe’s and Sam’s Club

pamon — Tue, 01 Feb 2022 02:13:40 GMT

I swear card still never arrived called synchrony and spent 35 mins on hold with them to cancel and reissue a card. Then told they don't expedite and cannot ship to home address via one with issues before. Another 7-10 day waiting cycle begins.

@pamon wrote:
Yeah still waiting on card. Agent did approved on 15th. Said to give till Monday 31st and call back for possible reissue. Guessing they can't expedite a new card
@username7 wrote:
Synchrony Biz side definitely operates entirely different from their consumer side. Just when you thought it couldn't get any worse...

welcome to business credit, buckle up!

Synchrony mailing address for cards?

pamon — Wed, 02 Feb 2022 04:34:29 GMT

Since the first card got lost wanna be overly paranoid on round 2 and not deal with their loss prevention team again. Know 7-10 days is their motto but anyone who where they mail cards from? Know a bunch in Nebraska and Florida. Just do I can be ready for it or face round 3 in case.ol. thanks

Wait my lowes was approved?

pamon — Wed, 09 Feb 2022 07:23:27 GMT

Had applied for the lowes card mainly to get nice with synchrony and play nice, got the call us and was told no. Then happened to see an email from lowes with a welcome to lowes commercial and a card sent out 2/1/22. News to me. Guess gotta wait to see the card and info and see what the SL is. They are an interesting group.

Re: Wait my lowes was approved?

Goos — Wed, 09 Feb 2022 17:40:58 GMT

Did you pg the sam's master card ?

Re: Wait my lowes was approved?

pamon — Thu, 10 Feb 2022 04:17:18 GMT

No pg on the sams Mc. Waiting for its arrival round 2 via the pony express

Re: Wait my lowes was approved?

pamon — Tue, 15 Feb 2022 04:45:28 GMT

Still hadn't gotten card so called on Saturday and told if nothing by Wednesday try back. Asked sams person if they could look up a lowes approval and she said no.

so have lowes a call since I got an email from them and he looked up account and said it was approved but no card issued. He said 4000 SL and can use in store if they look it up since commercial account:

gonna earn my synchrony points after these two accounts. Lol

Synchrony frustration

pamon — Sat, 19 Feb 2022 00:32:23 GMT

Drama started when I applied for a sams club business acct. spent an hour on the phones to get no answer. Made several calls over 4 weeks to hear it's been approved and card has been mailed.

called them today since I still haven't gotten the card to hear it's been approved but since they made a change to my address they need proof of my business and address. Plus it cannot be emailed or faxed, but mailed to a P.O. Box in Florida.

unreal. I yelled at the agent her supervisor over the levels of incompetence at synchrony. They triggered something on the address and. Now I gotta gather docs and go to the usps and mail it off. Unreal

Re: Synchrony frustration

FinStar — Sat, 19 Feb 2022 02:15:53 GMT

@pamon wrote:
Drama started when I applied for a sams club business acct. spent an hour on the phones to get no answer. Made several calls over 4 weeks to hear it's been approved and card has been mailed.

called them today since I still haven't gotten the card to hear it's been approved but since they made a change to my address they need proof of my business and address. Plus it cannot be emailed or faxed, but mailed to a P.O. Box in Florida.

unreal. I yelled at the agent her supervisor over the levels of incompetence at synchrony. They triggered something on the address and. Now I gotta gather docs and go to the usps and mail it off. Unreal

@pamon While the frustration and timeframe for getting things resolved is understandable, yelling at an agent and/or supervisor hardly gets you the human award for dealing with these types of issues. You attract more flies with honey than vinegar, especially during an escalation process.

Since you were aware that SYNCB doesn't expedite credit cards, and something getting lost in the mail is always possible, who changed the address? You mentioned upthread they couldn't change it to your home address. Also, SYNCB wouldn't have been responsible if your initial piece of mail was misdelivered or lost by the USPS if they had already generated the plastic -- unless they had an incorrect business address from the get-go.

Did they have to report the previous Sam's Club MC as lost and re-issue a new account# as a replacement?

Re: Synchrony frustration

pamon — Sat, 19 Feb 2022 02:31:04 GMT

Didn't yell but expressed frustration at agent who got it and supervisor. I've spent 20 plus years on call centers so get the angle and have former personal history with synchrony as a client.

they never sent first card and then second issued but stopped by their back office. More frustration than anything as if they needed the info just ask vs tell me two times it was sent when it wasnt

just hope no one else gets synchrony's power trip angle. Now gotta pull docs and mail them off. Asked for email or fax and was told none. Said you are a $10 billion publicly traded company with no email or fax and gave up. Could tell was getting the script. Back office controls so play their games.

Re: Synchrony frustration

FinStar — Sat, 19 Feb 2022 03:30:25 GMT

@pamon wrote:
Didn't yell but expressed frustration at agent who got it and supervisor. I've spent 20 plus years on call centers so get the angle and have former personal history with synchrony as a client.

they never sent first card and then second issued but stopped by their back office. More frustration than anything as if they needed the info just ask vs tell me two times it was sent when it wasnt

just hope no one else gets synchrony's power trip angle. Now gotta pull docs and mail them off. Asked for email or fax and was told none. Said you are a $10 billion publicly traded company with no email or fax and gave up. Could tell was getting the script. Back office controls so play their games.

Just make sure the docs are sent via CMRR so you have a method of tracking them.

At this point in the game, it's wait-n-see. It's possible a secondary review from their back office didn't perform some due-diligence which caused the account to have any plastics suppressed. Unfortunately, more often than not, the front line agents sometimes do not have the same systems access to view the backend documentation and it's possible they assumed the system had generated your card when in fact it didn't.

I remember speaking to a very well-informed agent a while back when I experienced a similar verification issue with an Amazon net55 account. The agent went above and beyond to get things resolved (I was fortunate) and explained some of the reasons for things that fall through the cracks and how some departments are not synced up operations-wise.

Hopefully, things will get resolved even if it takes a bit longer than expected. Just update this thread rather than create multiple threads on the same SYNCB topic.

Re: Synchrony frustration

pamon — Thu, 24 Feb 2022 06:08:12 GMT

So had to update since it's my own rant at this point. Got to the mail today and lowes card came. But with sams I have to prove the address although both with synchrony. Unreal. This makes Amazon and lowes with them with sams to verify. Ugh