Set up bank account to pay credit card, been returned twice, call the customer service, they claimed that my bank account was closed. IT IS OPEN and bank doesn's have any record of their withdrawal . it happened twice in 6 months. Now they closed my credit card account. Another thing is whe you call, it's hard to understand their English half of the time, I think the service center base in India. Do you have similar experiences.

I have never dealt with a bank as bad as Synchrony. If you ever needed to deal with customer service, you're definitely going to be screwed. When you report unauthorized charges on your credit card, the will CLOSE you account and report it as closed to the credit bureaus. The new card they will issue you will be added as a new account to your credit report! Customer service agents and managers are either ignorant or rude. They will not solve your problem and will only make things worse. P.S. The bank takes 60 days to "investigate" disputes. Meanwhile, they don't issue you credit for the transactions under "investigation" as other banks do.