Had the misfortune of opening a sleep number financing account through Synchrony Bank while paying for my mattress. They open it for the MAXIMUM AMOUNT I was eligible for without asking me--so now I have a $15,000 new credit card in my name. Highest limit of any account I have. Doubled my total credit. I was annoyed but it was too late to do anything.
Thought everything was fine, until they finally "charge my card" a month later. They charged a different card I have through Synchrony Bank, overcharging that card by several hundred dollars. So now my credit was hit twice.
I call to get them to shift the payment to the correct card. They say the payment went through too long ago. I say you only charged my card three days ago. They say they can't move the payment to the correct card. They say I need to call the bank. The bank says this can only be handled on Sleep Numbers side. I call Sleep Number back. They tell me they charged the right card. I tell them they charged a completely different card and I don't even know how they got that card number. I ask to speak to a manager. The manager blows me off until I say I will need to dispute the charge if this isn't remedied. The manager takes my number and says she'll call me back. Calls me back 3X over the course of a week to tell me they are still working on it. Calls me back to tell me the card doesn't exist.
THE $15K CARD I AM HOLDING IN MY HAND DOESN'T EXIST.
Then tells me too much time has passed and there's nothing she can do.
So basically: Sleep number doubled my total credit and now denies the card exists, my credit has tanked, and I could have put this on an existing card and saved myself the hassle, but they reeled me in with the promise of interest free financing over 24 months.
Sleep Number ruined my last two weeks and ripped me off.
Recommendation: Ask specific questions when financing and make sure they charge the right card