User:Woozle/CareCredit

Webmail exchange between me and CareCredit:

When	Me to Them	When	Them to Me	What I Get From That
9/21/21 3:47:16 PM EDT	The payee says that the four pending charges shown in the attached screenshot as "MED*[REDACTED] PSY" are "denied" on her end -- so they should be removed from the listing of pending charges. Is there anything she needs to do in order to successfully run these charges again? (Two were intended; the other two were retries done with my consent.) Thank you!	09/21/21 20:52:44 EDT	Hi Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. We appreciate the information you have provided and we apologize for any confusion. Please be advised that the four transactions of $185.00 on September 21, 2021 were declined and not pending on the account. As of September 21, 2021, you currently have $150.00 available for additional purchases. When viewing your account balance online, it includes all "posted" transactions to date. Any "pending" transaction will affect your available credit instantly but will not be reflected in your balance until it has posted to your account. Please accept our sincere apologies for any inconvenience this matter may have caused you. We value your business and are here to help when you need us. Stay safe and have a great day! We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, Regina.G Customer Service	The four transactions I listed are not actually pending, even though they show that way in the screenshot.
9/21/21 5:14:39 PM EDT	Can you tell me when the pending charges will be removed? Thanks.	09/22/21 02:55:53 EDT	Hello Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. Hope this email finds you well. Please accept our sincere apologies for the delay in our response, our records indicate a response was made on September 21, 2021. If you have additional questions or concerns we did not address, please feel free to contact us and we will be happy to assist you. We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, M. Kirthana Customer Service	They think they already responded to this question.
9/22/21 6:28:14 AM MDT	You did reply previously, but did not answer my question. The four denied charges are still showing as "pending" on my account, and being deducted from my available credit. When will they be removed?	09/22/21 14:01:32 EDT	Hi Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. As of September 22, 2021, you currently have $150.00 available for additional purchases and your current balance is $5,236.77. When viewing your account balance online, it includes all "posted" transactions to date. Any "pending" transaction will affect your available credit instantly but will not be reflected in your balance until it has posted to your account. An initial pre-authorization is provided at the time your order is submitted, reducing your available credit. Please be advised that even when orders are canceled, the pre-authorizations may take 7-10 days to fall off your account. Unfortunately, we are not able to delete the pre-authorizations manually. We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, Jamie Customer Service	My understanding of my current balance and available credit is correct. Pre-authorizations may take 7-10 days to "fall off" the account. They can't delete them manually. (Presumably an algorithm somewhere is doing that?) Presumably all of the charges listed as "pending" are considered "pre-authorizations".
9/22/21 10:03:32 AM EDT	This still does not answer my question. There are declined charges still showing in my "pending charges" list. When will they be removed?	09/22/21 14:44:47 EDT	Hi Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. We appreciate the information you provided and apologize for all of the confusion regarding your inquiry and the information contained in the previous response. Please be advised that even when transaction(s)/order(s) are cancelled, the authorizations may take 7-10 days to fall off your account. Unfortunately, we are not able to delete the authorizations manually. If you have additional questions or concern, please feel free to contact us at 1-866-893-7864 from 8:00 AM to 12:00 AM EST Monday-Sunday. Hoping all is well in spite of these unsettling times. Please stay warm and healthy! We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, Nerry C. Customer Service	(REPEAT) Pre-authorizations may take 7-10 days to "fall off" the account. (REPEAT) They can't delete them manually.
9/23/21 5:50:36 PM EDT	If the maximum time is 10 days, then there's clearly something wrong here -- I have pending charges (including two from the same payee) back as far as Sept. 7-8 (see attached screenshot). 10 Days would be Sept. 17, which was 6 days ago. Can you please look into this and see what's going on? Thanks.	09/24/21 10:12:37 EDT	Hi Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. Good Day! Hope this email finds you well. Thank you for the additional information you have provided. An initial pre-authorization is provided at the time your order is submitted, reducing your available credit. Our records indicate that there are approved un posted transactions on the account. One for $49.95 on September 24, 2021, $21.49, $73.06 and $13.32 on September 23, 2021. The available credit on the account as of September 24, 2021 is $6.00. The charges for $185.00 on September 21, 2021 is declined due to over limit. This may be due to the non receipt of any pending order with the Store/ Merchant. Therefore we recommend that you contact the Store/Merchant/ Service provider and check for the pending order. Usually the charge will be posted on the account in 3-5 business days. If the charge has been canceled the pre-authorizations may take 7-10 days to fall off your account. In some cases, the merchant may have forgotten to remove the pre-authorization. Unfortunately, we are not able to delete/approve the pre-authorizations manually. Sending wishes of good health and many blessing your way!!! We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, Divya.K Customer Service	In addition to the pending charges I've mentioned, they see four others. (...all of which are legitimate and cleared as far as I can tell.) My understanding of my current balance and available credit continues to be correct. They didn't take in the part where I mentioned that I had been in touch with the payee and she said the charges were declined on her end. (REPEAT 2) Pre-authorizations may take 7-10 days to "fall off" the account. (REPEAT 2) They can't delete them manually.
9/24/21 8:29:16 AM EDT	The charges you listed are all fine and authorized by me. There are SIX TRANSACTIONS of $185 EACH which were DECLINED on the merchant side but STILL SHOWING AS PENDING, two of them for MUCH LONGER THAN 10 DAYS. THESE NEED TO BE REMOVED.	09/24/21 14:32:32 EDT	Hi Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. I hope that this message finds you well. Our records indicate that your account has an available credit line of $6 as of September 24, 2021. Your recent transactions in the amount of $185.00 was declined as it was over your available credit line at the time of the transaction. Please be assured, these transactions will not post on your account also will not include in your balance. We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, Shivani M. Customer Service	My understanding of my current balance and available credit continues to be correct. They note what is probably a new charge-attempt which is not showing up in pending because it was declined. (Why did the others show up?) "These transactions" will not [be] include[d] on my balance -- but which transactions do they mean?
9/27/21 8:36:10 AM MDT	You said: "Please be assured, these transactions will not post on your account also will not include in your balance." -- they are still showing on my pending charges, filling up my credit balance and preventing me from using the card. WHEN WILL THEY BE REMOVED? Thank you.	09/27/21 17:13:24 EDT	Hi Woozalia, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. We can certainly understand your frustration with the events that have transpired and the amount of effort you have applied in trying to have this situation corrected. Please accept our apology for any inconvenience, which you have experienced. An initial pre-authorization is provided at the time your order is submitted, reducing your available credit. Our records indicate your account has a pre-authorizations in the amount of $157.82. Please be advised that even when orders are cancelled, the pre-authorizations may take 7-10 days to fall off your account. In some cases, the merchant may have forgotten to remove the pre-authorization. Unfortunately, we are not able to delete the pre-authorizations manually. Please contact the store to get the pre-authorization removed. We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at 1-866-893-7864 Sincerely, Samantha R. Customer Service	(REPEAT 3) Pre-authorizations may take 7-10 days to "fall off" the account. (I'm not at all sure where they got $157.82 from.) (REPEAT 3) They can't delete them manually.

2021-09-27 later

I tweeted about this, with an @ to CareCredit. They responded, but as far as I can tell they can do even less from there.

2021-09-28

The charges on 9/7 and 9/8 finally "dropped off", but two new charges came in from a different payee who also had the expired card -- and they both followed the same pattern, being declined on the other end and showing up as "pending" on this end, leaving me with $0 credit.