★★★★★ 1
Was lucky to meet really polite and conducive employees. But the Card Company and Amazon Coders are crap.
2:13:23 PM : Ui Neil Sandage: Initial Question/Comment: I wanted to pay right now. And then close the card today. $400 is far to low a limit to be worth my time. Your payment in the amount of $403.23 has been successfully scheduled for 04/20/2015. Please allow up to 48 hours for this payment to be reflected on your account. Confirmation will be sent to *****@gmail.com Confirmation Number: 831651153
2:13:28 PM : System: Welcome to Amazon.com Store Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily.
2:13:28 PM : System: James has joined this session!
2:13:28 PM : System: Connected with James. Your Reference Number for this chat is 2494835.
2:13:33 PM : James: Hi, thank you for contacting us today. I will be happy to assist you.
2:14:13 PM : James: We do regret your decision to close your account with Amazon store card. May I please ask if there is any specific reason that you wish to close the account?
2:16:09 PM : Ui Neil Sandage: The limit is too low. If it is not at least $1500 or enough to purchase a refrigerators or repair an air conditioner in an emergency.... then why the heck do i need a credit card? I have $10,000 in savings. For small bills i can do cash. I only signed up for your card because of the $40 discount on a nVIDIA Shield Tablet.
2:17:04 PM : Ui Neil Sandage: My credit score is 754 with Transunion and 740ish with the other on CreditKarma.com
2:17:58 PM : James: I completely understand and I apologize for the inconvenience.
2:18:28 PM : James: Please be advised that there is no annual fee, 0% fraud liability and you are eligible for numerous Promotions offered. Would you like to re-consider your decision?
2:19:03 PM : Ui Neil Sandage: I want to pay the card first. Then see if the limit can be fixed.
2:19:44 PM : Ui Neil Sandage: Why the hell $400?
2:19:47 PM : James: I would be glad to place a request for you right away and check the decision.
2:20:00 PM : James: Ui Neil Sandag, to complete this transaction I am going to need your net income. When disclosing income, please provide the annual net dollar amount of all sources of income which you have, as an individual. Alimony, child support or separate maintenance income need not be included unless relied upon for credit.
2:20:03 PM : Ui Neil Sandage: no hard credit pulls.
2:20:13 PM : James: Your request for a credit line increase may result in an inquiry on your credit bureau; however, some requests are determined using only internal factors on your account and may not result in an inquiry on your credit bureau.
2:20:20 PM : Ui Neil Sandage: i just want to see the decision and why it was made?
2:21:01 PM : Ui Neil Sandage: too much activity was one of the complaints.
2:21:28 PM : James: I am so sorry for the inconvenience, I understand
2:21:34 PM : Ui Neil Sandage: I have a secured card i am always changing the limit on by increasing the collateral.
2:22:08 PM : Ui Neil Sandage: each month i place a few more hundred on it. So each month my credit changes.
2:23:13 PM : James: We value you as our customer and appreciate your business.
2:23:15 PM : Ui Neil Sandage: (10% discount on a shield tablet? I decided to apply. 400 - 40)
2:23:23 PM : James: If you wish I can place a request for credit line increase
2:23:51 PM : Ui Neil Sandage: I do but only if they look over the application with this info and make a new dicision.
2:24:14 PM : Ui Neil Sandage: The credit pull would hurt my score by much more than $400 is they do it again.
2:24:32 PM : Ui Neil Sandage: Just help me pay right now !!!
2:24:44 PM : Ui Neil Sandage: Are you after a commission or something?
2:25:07 PM : Ui Neil Sandage: just want to pay the card off in a lump sum right now.
2:25:34 PM : James: I will explain you
2:25:34 PM : James: It is very difficult for you to determine with certainty whether or not there will be an inquiry when processing a credit line increase request. This is due to the “internal factors” as mentioned above.
2:25:54 PM : James: And the balance on your account is $403.23
2:25:59 PM : James: I will credit $25.00 to your account
2:26:14 PM : James: And you can pay $378.23
2:26:24 PM : James: I am trying my best to help you in all the way I can
2:26:34 PM : James: Would you like me to credit $25.00 to your account?
2:26:54 PM : Ui Neil Sandage: Sure. Every penny matters.
2:27:14 PM : James: Your satisfaction is important for us and I will do my best to help you in all the way I can.
2:27:49 PM : Ui Neil Sandage: I still want to make the entire payment on the card today. Can i call and use a debit card to pay it all off?
2:28:08 PM : Ui Neil Sandage: Do i have to wait 48 hours for it to post on my account?
2:28:29 PM : James: You may call customer service at toll-free 1-866-634-8379 and make payment without any fee with debit card
2:28:44 PM : James: No, you can call and make $378.23 payment
2:30:22 PM : Ui Neil Sandage: So just to be clear. You have applied a $25 credit. And if i call right now. The new balance they will see is = $378.23 ?
2:31:00 PM : James: Yes, you are absolutely right.
2:31:25 PM : Ui Neil Sandage: I have one more question. May i ask it here?
2:31:54 PM : James: Sure
2:31:59 PM : James: I will be more than happy
2:32:38 PM : Ui Neil Sandage: I have a utility company here named JEA. I once set up automatic payment of my utility bills. Then paid the bill when it arrived.
2:33:41 PM : Ui Neil Sandage: Then on the scheduled day of automatic payment they double charged me for a bill that had been paid down to zero two weeks before.... Will that happen on 4/20 with this scheduled thing i did?
2:34:34 PM : James: You can just click on "payments" tab and then select "scheduled payment"
2:34:44 PM : James: You can cancel the payment or edit the payment date and amount
2:35:04 PM : James: If you wish to make the payment over the phone with debit card you can cancel the payment
2:36:07 PM : Ui Neil Sandage: So that was an important question.
2:36:39 PM : James: Yes, else both the payments would post
2:36:42 PM : Ui Neil Sandage: I followed you directions and it wants me to log back in. However it did not accept my email address as my log in ID. What now?
2:37:20 PM : James: The site would be timed out
2:37:43 PM : Ui Neil Sandage: Yes. So what is the correct log in ID?
2:37:58 PM : James: May I please request you to click on "Forgot User ID" on first page of www.syncbank.com/amazon?
2:38:03 PM : Ui Neil Sandage: I know my password. But it does not ask that. Just the ID?
2:39:52 PM : James: Yes, you can get your user ID
2:39:57 PM : Ui Neil Sandage: silly damn computer. It was my email. But it had to be all if lower case and no proper Caps for it to be accepted...... :::annoyed:::
2:40:32 PM : James: I am so sorry for the inconvenience caused.
2:41:15 PM : James: I will be glad to help if you need any more information from your account.
2:42:05 PM : Ui Neil Sandage: ::snicker at the trained response:: do you have another $25 to apologize with?
2:44:02 PM : Ui Neil Sandage: I entered my email with caps. But the system automatically changed it.
2:44:24 PM : Ui Neil Sandage: Then would not accept it with caps to enter the account. WEIRD.
2:45:15 PM : Ui Neil Sandage: Are you quiet to see if they will approve the $25 or is this professional distance? Perhaps you had business to address elsewhere?
2:45:56 PM : Ui Neil Sandage: What was that number again? I'd like to call and make my payment.
2:46:13 PM : James: I am really sorry, I have already processed $25.00 and system does not allowed to credit another $25.00
2:46:23 PM : James: You may call customer service at toll-free 1-866-634-8379 and make payment without any fee.
2:48:41 PM : Ui Neil Sandage: That's fine. I only ask because every penny counts. And you'll have to forgive me. But it is mildly insulting to tell me you are sorry for the inconvenience when the computer or programmers is clearly not sorry and intentionally set it up so that i could not use proper caps in my ID or email address. Rather than get upset at the lie i chose to laugh at it as a canned response.
2:50:57 PM : James: Yes, the user ID is case sensitive
2:51:03 PM : Ui Neil Sandage: I called the phone system and it says you lied to me twice??? It says my balance is $403.23 ?
2:51:16 PM : James: I understand, it would be frustrating some times if the system does not help us
2:51:28 PM : James: As mentioned, the balance will be updated in next 48-72 hours
2:51:48 PM : James: However, you can be rest assured that your balance is $378.23
2:52:44 PM : Ui Neil Sandage: please forgive me for being frustrated. But if you read the conversation there was no mention of wait 48-72 hours for the credit to post. I know it is not your intention. But that makes a third lie.
2:53:36 PM : Ui Neil Sandage: I asked specifically if i call right now will the credit be posted? And your response was Yes when i call it would show up.
2:54:32 PM : Ui Neil Sandage: or at least that is how the conversation felt.
2:55:09 PM : James: I am really sorry for the confusion.
2:55:29 PM : James: $25.00 will post in next 48-72 hours, however, you can pay $378.23.
2:55:39 PM : James: And cancel the payment which was made online
3:02:28 PM : James: I will be glad to help if you need any more information from your account.
3:02:28 PM : Ui Neil Sandage: Is it possible to save or email this conversation as a copy to myself? The problem is the computer system and not you. But a lot of things happened here. Ridiculously low credit limit. ID being made all lower case by the website. The automatic charge 20 days later if i had not asked you. And a lot of bad things could have happened. In fact some things did. Amazon made my default automatically their card instead of the one i selected. So a lot of my purchased were canceled or interrupted and did not ship on time until i logged back in and changed the payment method. EVER THOUGH AMAZON APPROVED ALL THE PURCHASES on their card and then frozen them days later. Not hours. Days later. I had to wait on an emergency tool to unlock something important. And that was delay by days because of their computer systems changing things automatically just as it did with me ID? Don't they think i know what i want? Why do they force their card and their lower cases and their enforced payments even if the account balance would have been zero when it happened? I could be overdrawn with these things they do. $404 dollars is not always in that checking account.
3:03:00 PM : James: I am sorry, we do not have an option to email
3:03:01 PM : James: Once the chat is ended, you may scroll down and click on "Skip the Survey and Print chat".
3:04:11 PM : James: Please do not misunderstand, and I am really sorry for all the confusions and problems
3:04:55 PM : James: We do respect your time and understand how difficult it would be if you are getting problems in log in
3:05:45 PM : Ui Neil Sandage: I will try the phone again now. What is the correctED balance i want to pay when i call?
3:06:10 PM : James: You can pay $378.23.
3:06:30 PM : James: And make sure that you cancel the payment which you made online
3:06:40 PM : James: Thank you for your patience.
3:08:42 PM : James: I will be glad to help if you need any more information from your account.
3:08:58 PM : Ui Neil Sandage: ty on phone
3:09:45 PM : James: Thank you for your patience and understanding.
3:10:00 PM : James: Thank you for contacting Synchrony Bank regarding your Amazon.com Store Card.
Have a wonderful day.
3:11:41 PM : Ui Neil Sandage: Here is a 4th lie. They want paper checks and not credit card. Debit card is not an option. And the voice recognition is nearly impossible had to repeat until it let me use the touch pad to navigate.
3:15:22 PM : James: You can make the payment over the phone with live agent with debit card
3:15:36 PM : James: You can say "agent" "agent"
3:15:54 PM : James: It will connect you to live agent and you can make the payment with debit card
3:16:10 PM : Ui Neil Sandage: Thank you James. An agent did answer. And she said there would be no charge for the Debit card.
3:16:25 PM : James: Perfect!
3:16:30 PM : James: Thank you.
3:16:43 PM : James: Thank you for contacting Synchrony Bank regarding your Amazon.com Store Card.
Have a wonderful day.
3:17:23 PM : Ui Neil Sandage: Okay i paid the $378.23 ~ Here is hoping all this posts overnight. I want to see it done Friday and not have to wait for Monday.
3:15:54 PM : Ui Neil Sandage: I am closing this damn account if after it is all paid no one authorizes or corrects it to a $1500 limit or more.
3:16:52 PM : James: You can any time contact us
3:17:02 PM : James: We are always here to help you
3:17:52 PM : Ui Neil Sandage: Okay. Now let's print or email this transcript.
3:18:02 PM : James: Sure
3:18:07 PM : James: Thank you for contacting Synchrony Bank regarding your Amazon.com Store Card.
Have a wonderful day.
3:19:55 PM : Ui Neil Sandage: Why is that option to print not appearing?
3:20:20 PM : Ui Neil Sandage: .....
3:20:58 PM : James: You would need to end chat and then you can view the option
3:21:06 PM : James: Please click on close option on the top
3:21:16 PM : Ui Neil Sandage: it says exit. I will not exit.
3:21:38 PM : Ui Neil Sandage: i want a copy of the chat before it exit. As exist means close door behind you.
3:22:08 PM : Ui Neil Sandage: i do not want to close this window.
3:22:28 PM : Ui Neil Sandage: " [X] Exit "
3:23:01 PM : Ui Neil Sandage: Can you close this chat so i may have a copy?
3:23:04 PM : James: You can copy the chat transcript and paste in word document
3:23:11 PM : Ui Neil Sandage: end* this chat
3:23:39 PM : James: If you " [X] Exit " you can view it option to "print" chat
3:23:48 PM : James: Do not worry, the chat transcript will be there
3:25:28 PM : Ui Neil Sandage: alright. I will copy and paste. StarOffice used to be better than Word and for all the Linux users out there it is not good to assume a paid for Microsoft program is on every computer.
3:26:02 PM : Ui Neil Sandage: Star Office may still be better. (My computer does have the other. I had a student discount on it.)
The following is three fields from the Feedback Survey after you "close" or as it says "Exit" the Chat window.
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The card and process is a nightmare. The $400 limit was only good for the one purchase i made. And my balance was $403.23 with tons of blocked orders on Amazon because i spend more than $1,000 in a month and it automatically switched my default payment card to Syncho profanity. ~ James did okay. But as soon as my “paid in full” zero balance posts, then I am closing the account.
Edited: (too many characters = 255 with spaces)
The $400 limit was only good for the one purchase i made. i spend more than $1,000 in a month and it automatically switched my default payment card to Syncho profanity. As soon as my “paid in full” zero balance posts, then I am closing the account.
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James was polite and prompt. But there were a few things unclear or felt contrary. When asked or prompted he did well. I appreciate the $25 credit. It took the hate or venom out of the emotions. But it is the card and hit on my credit for a ridiculously low $400 that i paid off today and wanted to close today that is ridiculous. The balance does not update quickly and i have to wait. At the start the Agent kept wanting to pull my credit for a second month to change me credit limit when what I opened with was a desire to pay in full and correct when the payment would be processed from 20 days out as it automatically dated the bank draft, to process it today. He was saying there is a magical chance that might not happen does not help. I need a yes or a no.
Again. He is not doubt an excellent agent for politeness. But i need a very precise agent that does what I want and not someone who does credit pulls at every chance. There were a lot of issues i had to figure out for myself even though he works for them. I had to get to the conclusion before he confirmed it. And he was polite. It is the company(ies) that is(are) the problem and not this specific person.
Edited: (too many characters = 255 with spaces)
He is not doubt an excellent agent for politeness. But i need a very precise agent that does what I want and not someone who does credit pulls at every chance. There were a lot of issues i had to figure out for myself even though he works for them.
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I need the ability to print and email the chats. And this exit thing really does exit the chat so that you can not have a copy of the conversation. Even now it says submit this feedback or get a copy of the chat. You are not allowed to talk back if you want to read what was said or have a copy of it.
EDIT : 238 without spaces or 305 with. They have a character limit of 255.
I need the ability to print & email the chats. This “Exit” thing really does exit the chat so that you cannot have a copy of the conversation. Even now it says submit feedback or get a copy of the chat. You r not allowed to talk back and have evidence.
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Reviewed in the United States on April 2, 2015
