Synchrony Financial Reviews

This company is a joke. I got talked into doing a rebate with them if I signed up for their CC. I signed up and have been waiting 3 weeks for the card. I actually received an invoice before I even got my card. I can't sign up online without the card. I tried calling customer service, every time it says a 30 minute wait. Finally when I got someone they said I need to wait for my card. As soon as I get my CC, going to pay balance and happily chop that card up to never be used again. Avoid Synchrony Bank at all costs!

Horrible!! Their payment processing or a major issue in the timeline for it to post. It almost seems to be on purpose, these people close my account when their payments are taking too long to post, and then it’s rejected. They closed my account.

I have a Sam’s Mastercard via Synchrony Bank. I’ve had the card for years and it has a zero balance and is valid until 2030. I attempted a purchase which was DECLINED! What the… I called the Synchrony Customer Service number to complain and was told that they deactivated my card because they need to verify my address. You’ve got to be kidding, I’ve lived at the same address for more than 20 years and all of my Synchrony statements are electronic! Synchrony Bank Sam’s Credit Card is **! Don’t waste your time - deal with a creditor who values you as a dedicated customer.

Worst Customer Service Experience in my life. Went to use my newly issued card, got "flagged" for "Fraudulent Use", had to "verify" my identity. Giving the last 4 of my social and phone numbers associated with the account weren't "good enough", had to submit a "selfie video" of myself plus photos of the front and back of my driver's license - then wait to get a "code" sent to my phone - then call back customer service with that code and jump through even more hoops. I was told that the original reason the card was "declined" was to "protect me from myself". WOW. Ended up making the purchase with another credit card that didn't ask me to prove my identity over and over again. NEVER AGAIN.

I have been a Lowe's credit card holder for around 20 years. Never been late or missed a payment. Have done about $20000 in business. One day Synchrony canceled my card saying I was a credit risk. I have an A+ rating and had a score over 800 (till this). No good reason, just got booted. Follow up letter said they can do anything at any time. Only reason I can see is that last 10 years only paid out about $100 in interest fees. Wanted to see how bad a risk I was, went to Home Depot and opened an $8000 line of credit same day. So now they get all of my business.

I have been trying to resolve an issue with Synchrony Bank for over a year. I finally received a letter where the case is closed. They had communication with me and now case is CLOSED. I bought a defective phone on eBay. Many attempts were made to get the dispute resolved, to no avail. They provided paperwork to me about the transaction etc. BUT... NOTHING where I tried to resolve the matter with the seller. They stated the seller sent me a return shipping label. I wonder where that was. NEVER did I see such a label. Bottom line STUCK and CHARGED for a phone in the amount of 529.00. WHAT AN INVESTIGATION ON THEIR PART. A senior age 68 and a VETERAN to be put through such an ordeal. THE RICH get RICHER and the POOR GET POORER. What a shame because at other times they always assisted me in matters of disputes. SO MUCH FOR BEING A VALUED CUSTOMER.

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.