very disappointed with Synchrony EO

Anonymous · ‎10-03-2014

Applied for something in August, denied. Hadn't app'd in two years. Never received anything stating why though. Fast Forward, I found a HP on TU and I called 4 different times to Synchrony (as that is who the HP was from) and each time no one could find that I had applied using anything, from ss#, address, name etc, and one guy accused me of NOT telling the truth. I have a hard pull on TU from it. Tried the EO of Synchrony and was called by a very RUDE person named Jennifer. No help at all. I HAVE NEVER been preapproved for anything from Synchrony & I'll NEVER get any card backed by them now.

EDITED for clarity.

Tony275 · ‎10-03-2014

That's very odd, contact the BBB and even TU to get that HP removed. If they have no record, why would you have to keep the HP??

Anonymous · ‎10-03-2014

@Tony275 wrote:
That's very odd, contact the BBB and even TU to get that HP removed. If they have no record, why would you have to keep the HP??

I don't know how to go about that. A CSR told me that I'd have to contact TU and tell them to remove it but that it would result in a fraud freeze???

Tony275 · ‎10-03-2014

It shouldn't result in a freeze. Just dispute it! I've heard their CSRs are very knowledgeable on the phone! Give them a call and explain the situation!

someg33k · ‎10-03-2014

That sucks!

I can say that when I have called CSRs for my Lowes card that are USA based, they have been super friendly and helpful. Once the call goes overseas it's all downhill....

That's really bad to hear about the rule person from the EO though.

Anonymous · ‎10-03-2014

@someg33k wrote:
That sucks!
I can say that when I have called CSRs for my Lowes card that are USA based, they have been super friendly and helpful. Once the call goes overseas it's all downhill....

That's really bad to hear about the rule person from the EO though.

I've been rerouted to India apparently! At least that's what's happened when I've called. Very, very upsetting.

elim · ‎10-03-2014

don't stress synch's denials. many threads here of people with 700+ scores being denied, and junk scores like mine being approved. they have some strange computer program that spits out approvals/denials in a way that none of us can understand. same goes for synch CLI's (luv button and .credit solutions).

maybe if you send synch a copy of your report showing the HP in there name and explain? ask them to remove... if not... BBB.

i myself have never encountered a rude person at synch. so far they have been polite and very generous.

taxi818 · ‎10-03-2014

I hope op at least gets a letter of denial to see his real fico scores instead of using the fako scores.

i don't know why people even think they are close.

i have 80 60 and 40 point differences from my real fico.

and my real ficos are much much lower than the fakos. they op will know how to determine if and why they are not approving app. good luck. and yes. BBB to get removed. if it is worth that much trouble for a single hp. imo it is not. even if the csr was rude.

Anonymous · ‎10-03-2014

@taxi818 wrote:
I hope op at least gets a letter of denial to see his real fico scores instead of using the fako scores.
i don't know why people even think they are close.
i have 80 60 and 40 point differences from my real fico.
and my real ficos are much much lower than the fakos. they op will know how to determine if and why they are not approving app. good luck. and yes. BBB to get removed. if it is worth that much trouble for a single hp. imo it is not. even if the csr was rude.

This was two months ago and I'm VERY well aware of FAKO vs FICO and since not everyone uses the same FICO scoring I see no reason at the moment to buy them. I use the FAKO only to have something to go by and they are free. My FAKO's are not the issue or topic here so unsure why you felt the need to be bring that up. I never applied for the card that is showing on as a hp. After seven attempts to get this resolved I resorted to EO which was NO HELP. I was shocked at how rude the person was and hung up.

juggalo9er · ‎10-03-2014

i would suggest doing what i did when discover denied me and never mailed an aa letter! File a cfpb complaint, they will respond within 14 days trust me!