Synchrony Financial Reviews

I never know what I will get with Synchrony. They lower limits or even close accounts without warning. Even with a great payment history, this happens. They seem to operate on an algorithm that assesses total debt to income and other factors, and they have made command decisions on my accounts that have negatively impacted my credit. I will be disentangling myself from all involvement with Synchrony and will avoid their services in the future.

Synchrony financial kept lowering my credit limit and messing up my credit score. I have a JCPenney, Amazon and Sam's club card with them and they kept lowering my credit limit on all of those cards even though I paid my with them. They are the worse credit card company in business. Just awful.

I signed up 18 month no fee or interest on the hvac work done. They still charged 69.00. Did not help to reverse. I chatted with two people. Even the chat person said there was not supposed to be a fee. He said call vendor. I did. They would not reverse.

This bank and their customer service supervisors namely Dwight are TRASH and a JOKE. They are rude, condescending, and highly unprofessional. Consider yourself warned. They are so bad that I CLOSED BOTH of my accounts. There are better banks available who value their customers.

DO NOT OPEN AN ACCOUNT WITH SYNCHRONY BANK. I had 4 different cards with them. eBay, PayPal, Lowe’s and Rooms To Go. Never missed a payment, until recently I paid the balance. Paid more than the minimum on the 0% Rooms To Go account. With a drop in income over the last few months, added medical expenses not covered by insurance, I have had to use my other credit cards that are not with Synchrony and my overall Credit Card Usage went above 50% but still making sure all cards were paid.

They now charge to have a paper statement mailed. Never advised this would change from paper to emailed, and when I called I was all but ignored by my complaint. I have and will be closing any and all account with this terrible bank. Such a rip off, and poor customer experiences.

CREDIT CARD ALERT -- Check the Internet for "Synchrony Credit Card" or "Synchrony Closed" or "Synchrony Available". You will then find dozens of Posts by consumers who had the "Available Amount" declined from very large amounts never used (e.g. $1,000 or even up to $10,000-plus) to an amount that suddenly dropped to one that was slightly above their recent purchase (e.g. bought a needed $10.00 item at Lowe's and found $10,000.00 Available Amount was now literally about $15.00! Others were notified of account closures for various reasons, even though those customers had long-term steady jobs and purchased items on an as-needed basis only. Or perhaps like us, having a multiple variety of Gas Company cards simply kept for Emergency Use ONLY (such as for a long and possibly unplanned emergency trip when gas station choices might be limited to one brand available for a few hundred miles!).

This is the worst financial experience I have ever had. Please make sure you do not get a credit card through this financial institution. I was prompted to open a Lowe's credit card when I purchased a lawn mower which is issued through Synchrony Bank. I received the first bill and as always paid the bill the same day as received. A couple of months later I purchased $38 of miscellaneous items at Lowe's. I did not receive a bill for 2 months and then suddenly one shows up with a charge of $113.75 based on interest and late charges.

I have three cards so thank you for the bank. Two of which are paid off and have been. Period. I have never missed a payment. I have never made a late payment. They lowered my credit limit with no real. Reason. They also raised my interest rate. I will be paying off card number three and I will never use Synchrony bank again. Trust me there are way better companies out there.

I pay off my balance every month. I paid online on the 21st (due on 25th) and received an email stating it was being processed. Didn't think about it until they sent me a text on the 29th saying they did not receive any payment. They charged me $30 for a late payment. Can't get ahold of ANY human. Tried to use the chat option and that was a waste of time. This isn't worth the hassle, won't use this card.