Synchrony Financial Reviews

I would give them zero stars if able. This is by far the absolute worse credit card company I’ve ever dealt with. They cancelled our cards today (without notice, fraud, or our request) after putting 2 new cards in the mail. So when I went to use the Sam’s Club card today it returned a “Invalid Card” notice to the place of business I was trying to use it in. They tried it 3-times and it returned the same message. When I called Synchrony they could only state that the card was cancelled and new ones were issued. When I asked why, they said it was a periodic card change out.

I took a 12 month no interest loan from Newegg through Synchrony Bank. I made 11 payments via direct payment. When the last payment was due, I contacted Synchrony to have the last payment made (30 days before it was due). They told me to make the payment via their website. But I told them I could not get into my account because Synchrony had made changes to their system and would not allow me into my account. The Synchrony rep told me this was a problem and that many account holder were having the same problem. She told me that she could take my bank account number and routing number and make the last payment for me. I gave her the info and then forgot about it.

Worst credit card company. Because I own my house outright they hold it against me. Closed my account and hit my credit rating. They could do everyone a favor by going out of business. Told companies I had a Synchrony card with l will no longer do business with them because of synchrony.

They are a nasty company. I canceled my account after only having it for ten days because I told them the company I was thinking about window wouldn't let me cancel. Only 5 day of deciding if I want them. As soon as I got the ball I cancelled the account and paid in full. Then one month later I'm getting a bill for interest I had to pay after I cancelled it a month ago. They're nothing but thieves just like the window place.

I got this card when I applied for special financing to buy a new couch at La-Z-Boy on Labor Day, since they always have special holiday deals. I made all my monthly payments and paid it off, but then about a year or so later they randomly close my account for inactivity, without any warning (nothing in the mail or email or anything). I only found out when Credit Karma emailed me to notify me the account had been closed, so I called Synchrony Bank (who manages the card) to see if they would reopen it but they said I would have to reapply. Seems like shady business practices to me, since closed accounts can have a big impact on credit scores. But I guess if you need new furniture in a pinch it may still be helpful, just be aware you need to keep buying stuff at La-Z-Boy to keep it open if you don’t want them to close it for inactivity.

Terrible experience, I sent 406.00 to my PayPal account and have been in review status for 2 months, I loss my home due to not being able to access my funds, I begged cried and gave up on this account which I depended on due to the fact my ssi/sad survivor benefits went through here since my wife passing. They manipulate customers and never have an answer for anything when it comes to being in review status! Run if you can. They are terrible!

ABT Appliances has Synchrony for financing, and a customer of ABT for 30+ years using this combo for our properties. Now Synchrony is charging for paper statement and unable to login to pay. Closed acct.

Worst company EVER. I wish Sam's Club would stop using them to manage our credit line. Customer service does not help at all. They do not sent statements on time. They will not send a new statement. They are the worst company ever!

I do not recommend using this bank. I once took a loan for car wheels and had a terrible experience. I was supposed to make fixed monthly payments, but due to the bank’s error, they first charged the regular payment and later withdrew the entire loan amount at once. When I contacted customer service, they were completely unhelpful and refused to admit their mistake. It makes no sense to use their services — if I wanted to pay the full amount upfront, I wouldn’t have applied for a credit plan in the first place.

The most incompetent people on the planet. Customer care is all offshore and apparently this created a communication issue that screwed up my whole account. Now I’m waiting for over 500 in checks from Synchrony for refunds I did not want. They were credits to the bill in anticipation of an incoming charge. Do not use this bank or you’ll have to deal with Larry, Moe and Curly with Filipino accents and useless supervisors.