No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My Amazon Store Card account was closed for two returned payments which I just found out several hours earlier. I was aware of the failed payment on the 18th because I looked in my payments section and saw it went to the wrong bank, however that was the next day after I made it. I called Amazon and the phone rep told me he couldn't cancel it because it was already being processed. However he told me that he did not see a previous returned payment on the account (wrong!) and that I shouldn't worry about it. When I called yesterday I was told that there was a a previous returned payment back last June. Had the first phone rep informed me that this was the second returned payment, I could have gone to Wal-Mart to deposit money in the online only Go Bank account where the payment was going to and prevented the 2nd returned payment from happening. I hope this makes sense. I don't know if that could get back my account but I was told the wrong info here.
I chatted with an online rep and he said he would make a note on my account and reported the agent for wrong info. He said to call them and speak to somebody about all this. The online agent told me all the calls were recorded and if they can pull up the recorded call, they would have proof that I was given the wrong info about the returned payments. I even remember the agents name. Could this information help re-open my account?
Before I chatted, the supervisor told me I would be able to reapply after the closure was updated in the credit bureaus system and give it 30-60 days from now. If it's not able to be reopened could I get this same card again? Would they look at the returned payment history? Thank you for your help.
Banks frown upon returned payments regardless of the reason and having 2 returned payments is a huge red flag to them. Did you not remember you had a returned payment prior to this one? I really don't think what the rep did or did not tell you or what they could or could not see is going to do you much good.
I wish you luck on the recon and if it doesn't work out, you can always reapply in the future.
@IcyCool7227 wrote:My Amazon Store Card account was closed for two returned payments which I just found out several hours earlier. I was aware of the failed payment on the 18th because I looked in my payments section and saw it went to the wrong bank, however that was the next day after I made it. I called Amazon and the phone rep told me he couldn't cancel it because it was already being processed. However he told me that he did not see a previous returned payment on the account (wrong!) and that I shouldn't worry about it. When I called yesterday I was told that there was a a previous returned payment back last June. Had the first phone rep informed me that this was the second returned payment, I could have gone to Wal-Mart to deposit money in the online only Go Bank account where the payment was going to and prevented the 2nd returned payment from happening. I hope this makes sense. I don't know if that could get back my account but I was told the wrong info here.
I chatted with an online rep and he said he would make a note on my account and reported the agent for wrong info. He said to call them and speak to somebody about all this. The online agent told me all the calls were recorded and if they can pull up the recorded call, they would have proof that I was given the wrong info about the returned payments. I even remember the agents name. Could this information help re-open my account?
Before I chatted, the supervisor told me I would be able to reapply after the closure was updated in the credit bureaus system and give it 30-60 days from now. If it's not able to be reopened could I get this same card again? Would they look at the returned payment history? Thank you for your help.
I don’t think listening to a recording is going to help because the fact is you knew there was a previously returned check and unfortunately, now there’s two. It’s not the CSRs fault that he didn’t see it at that time.
IMHO, I think you should take a timeout and treat this as a lesson learned. Even one returned check is looked on as a bad omen. And the fact that you would have to run to Walmart to cover it speaks volumes.
Make it a habit to ensure monies are in the bank account before making a payment/withdrawal. I don’t believe the card will be reopened because the bank possibly sees you as someone struggling to pay your credit card debt.
I hope you take my advice in the spirit it is given and learn from this.
GL2U
Hey my friend and welcome. I have 2 cards that I make online payments to which are my Discover and Capital One cards. They give me access to my payments even if the money has not come out of my bank account.
If I really wanted to, I could make a payment to discover for $2500.00 without having money in my account, charge the card up immediately for another $2500.00 and have that payment returned putting discover at a loss of $2500.00. I'm sure this wasn't your plan but you could imagine over the years and many millions of transactions that this is something they deal with on a regular basis. I'm sure they have an automatic process to close accounts due to return payements because of their exposure.
Good luck... it won't be the end of your credit future.
In reply to jnbmom, no I didn't remember I had a previous returned payment. How come a credit card company can't just charge returned payment fees to recover the loss? I would prefer to have that more. If it wasn't for the Amazon discount or the 6 month interest free financing over $150, I'd rather go with a more personable credit card company that actually cares about it's customers. I feel Synchrony is so big that it doesn't take the time to understand mistakes.
Im a little confused here. In addition to the 2 returned checks you also had a late/missed payment on an account that is less than 1 year old? If this is true, dont even bother reapplying in 30 days. You will be insta denied by the computer and Synchrony does not recon applications. Sorry OP