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And yet another synchrony accounts locked thread

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ohreally7654
Established Contributor

And yet another synchrony accounts locked thread

My celebration of my PenFed recon was a little short-lived. After seeing all of these synchrony threads, I decided to check my accounts. This morning, I logged into my Walmart account to add my mom as an authorized user. All was fine. I added her and went about my day. Tonight--all online access frozen! I called Walmart first. They said I could still use my card and they'd be sending me a letter. When I told the CSR about adding my mom as an AU this morning she said that could have prompted it. Well then I called Stash. They said I'd be getting a letter as well. But that CSR said I couldn't use my account until the forms were filled out and sent back. Who knows what's going on over there. For all of you credit experts on this forum, do you think that adding an AU could have prompted this? Or maybe just coincidence? Ugh I am so irritated at the present moment and of course feeling a little ill at ease. I'll report back as soon as I get the letter Smiley Mad

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 1 of 52
51 REPLIES 51
Anonymous
Not applicable

Re: And yet another synchrony accounts locked thread

Sorry to hear, what's your total exposure with them?

Message 2 of 52
Anonymous
Not applicable

Re: And yet another synchrony accounts locked thread


@ohreally7654 wrote:

My celebration of my PenFed recon was a little short-lived. After seeing all of these synchrony threads, I decided to check my accounts. This morning, I logged into my Walmart account to add my mom as an authorized user. All was fine. I added her and went about my day. Tonight--all online access frozen! I called Walmart first. They said I could still use my card and they'd be sending me a letter. When I told the CSR about adding my mom as an AU this morning she said that could have prompted it. Well then I called Stash. They said I'd be getting a letter as well. But that CSR said I couldn't use my account until the forms were filled out and sent back. Who knows what's going on over there. For all of you credit experts on this forum, do you think that adding an AU could have prompted this? Or maybe just coincidence? Ugh I am so irritated at the present moment and of course feeling a little ill at ease. I'll report back as soon as I get the letter Smiley Mad


Who can say? It is obvious, however, that something is going on. So sorry this happened to you,OP. Good luck getting everything right again.

Message 3 of 52
Creditplz
Valued Contributor

Re: And yet another synchrony accounts locked thread

Once they lock one they lock all of them Smiley Sad! Mine have been frozen for about 2 weeks now... Should be unlocked by Monday from what the rep told me..
Message 4 of 52
ohreally7654
Established Contributor

Re: And yet another synchrony accounts locked thread


@Anonymous wrote:

Sorry to hear, what's your total exposure with them?


@Anonymous @Anonymous. Total exposure is around $55K. Oldest account with them over 10 years old. I wish I knew what this is about instead of just speculating! 

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 5 of 52
Anonymous
Not applicable

Re: And yet another synchrony accounts locked thread

Oh my.. you make the 5th person this has happened to today. I don't know if adding an AU prompted this. I believe one of the other people that this happened to today also recently added an AU as well. I just added an AU about a week ago, so I guess I'll keep checking my accounts too Smiley Sad

Message 6 of 52
ohreally7654
Established Contributor

Re: And yet another synchrony accounts locked thread


@Anonymous wrote:

@ohreally7654 wrote:

My celebration of my PenFed recon was a little short-lived. After seeing all of these synchrony threads, I decided to check my accounts. This morning, I logged into my Walmart account to add my mom as an authorized user. All was fine. I added her and went about my day. Tonight--all online access frozen! I called Walmart first. They said I could still use my card and they'd be sending me a letter. When I told the CSR about adding my mom as an AU this morning she said that could have prompted it. Well then I called Stash. They said I'd be getting a letter as well. But that CSR said I couldn't use my account until the forms were filled out and sent back. Who knows what's going on over there. For all of you credit experts on this forum, do you think that adding an AU could have prompted this? Or maybe just coincidence? Ugh I am so irritated at the present moment and of course feeling a little ill at ease. I'll report back as soon as I get the letter Smiley Mad


Who can say? It is obvious, however, that something is going on. So sorry this happened to you,OP. Good luck getting everything right again.


@Anonymous so much, @Anonymous. I know no one can say with certainty with the AU issue. I just have almost zero experience with AUs on my accounts. Just from what I read on these boards I've gathered certain lenders have taken issue with it. But I wasn't sure exactly why. I guess all I can do is wait now. 

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 7 of 52
ohreally7654
Established Contributor

Re: And yet another synchrony accounts locked thread


@Creditplz wrote:
Once they lock one they lock all of them Smiley Sad! Mine have been frozen for about 2 weeks now... Should be unlocked by Monday from what the rep told me..

Oh wow that's so fortunate for you. I'm so glad it worked out for you, and your access will be restored. They requested a 4506-T from you, is that right? 

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 8 of 52
ohreally7654
Established Contributor

Re: And yet another synchrony accounts locked thread


JustMe3 wrote:

Oh my.. you make the 5th person this has happened to today. I don't know if adding an AU prompted this. I believe one of the other people that this happened to today also recently added an AU as well. I just added an AU about a week ago, so I guess I'll keep checking my accounts too Smiley Sad


I really hope that you don't make person 6, with the addition of the AU. Definitely keep checking your accounts just in case. It seems maybe there is a correlation there. I'm not sure what the issue is with that but I'd really love to know. 

 

 

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 9 of 52
Creditplz
Valued Contributor

Re: And yet another synchrony accounts locked thread

Yeah, they requested it again!! They requested it about 2 months ago.. I sent it in and they told me after they receive it, it'll normally take 7-10 days to process... So no guarantee just yet Smiley Sad!,
Message 10 of 52
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