Synchrony Financial Reviews

I took out a cd with this bank and was very pleased with its rate. I also downloaded an application that didn't give us much functionality. Upon maturity the only option provided on the app Was either new with them or you had to call them. I called and gave instructions Upon maturity. Never got any confirmation of that discussion... When trying to have a chat I was logged off and wasn't able to communicate three times.... It felt as though I was dealing with a third-rate Rinky-dink bank.

Unfortunately, I didn't heed the warnings, of countless negative reviews, that I had previously read about Synchrony. And, now, I have three accounts through Synchrony. On two of my accounts, Synchrony issued fairly high credit limits. And, so, I took advantage of being able to purchase higher ticket items, that would allow me to do home improvements, and upkeep. Everything seemed great with their financial services, until I was one payment away from having the account paid off... and that's where everything went south on my experiences with them. Now, mind you, I've never missed a payment on ANY of my accounts. In fact, I keep getting updates, from Experian, about my perfect payment history.

Our payment on our loan was due on the 5th of the month. Due to a change in our payroll, we chose to pay ahead at the end of January, so we would not have any chance of being late when our next check came in February. These crooks are now telling us that we owe them a 30 dollar late fee. Apparently by making a payment before the statement was generated, they did not consider this our normal payment and therefore they claim that our February payment was not made on time. They did this even though we are multiple months ahead on our payments. This is ludicrous!!! I’m very disappointed that I could not give them less than one star for the review!

We have a credit card with Synchrony Bank through Sam's Club, so we have no option to not carry one and be a member. They are constantly denying charges cancelling our credit card without any notice or reasonable explanation. We call their customer service reps and after a long discussion they state this issue is fixed, however after we hang up the phone we find out the problem still persists. I think they have extremely poor training. Several times they even hang up on us when they cannot provide an answer or resolve an issue. It is frustrating to continually have your credit card denied when checking out of a store for no reason. We even have is denied at a Sam's club for which the card is issued for. Sam's Club needs to find a new card vendor that is not Synchronicity.

I accidentally pressed the wrong button to enroll in Verizon's autopay. I pressed "apply now" thinking it was for autopay but instead accidentally applied for Synchrony's credit card. When I received it, I shredded it because I did not want it in the first place. This is when my nightmare began. I started getting emails saying I owed $139, another time $119, etc. I did not activate this card so what was I getting these bills for.

On 10/23/23 I found out Synchrony Bank opened up a MasterCard without my knowledge or permission. After I made a $1000 cash payment on my JCPenney‘s credit card someone from Synchrony, Bank transferred my $1000 cash payment from my JCPenney‘s credit card to a MasterCard which I had no knowledge of Synchrony, Bank has outrageous business practices, after I discovered the fraud symphony bank closed my JCPenney‘s credit card knowing I was attempted to pay it off. I am very hurt by Synchrony, Bank actions. I am seeking justice and retribution. I do not advise anyone to do business with Synchrony, Bank. Stay far away stay far away from Synchrony, Bank. They are crooks. This is my opinion and I’m sticking to it. Synchrony Bank deserve zero stars.

Don't trust Synchrony. I had been a customer for over ten years. They closed my account on their own based on a drop in my credit score based on a very explainable situation that had nothing to do with my credit cards. They were the only company to actually on their own volition close my credit.

I ordered 5 items. Doing so I used flex pay. Decided to return 4 of the 5. Therefore I paid full purchase price of the 1 item I kept. Still being billed for flex pay. WHY? I PAID THE FULL PURCHASE PRICE. HSN has informed me it is paid off. What is wrong with Synchrony Bank? Buyers beware: Never use flex pay. Someone is getting your money!!!!

They closed my account when trying to pay it off. Then they didn't show the payment I made was paid and so I was afraid of getting a late fee so I paid it again and they still have not sent my refund after 18 days. I have notified them 3 times now! The money they have is to pay my other bills.

I have never been late with a payment to this company and have had my card for many years. I looked at my account today and they took my unused credit away. They said it was based off my credit score, but I never missed a payment, and I always paid over the amount of my payment due every month. I had 2600.00 unused credit and now it's gone. It's disgraceful. Funny how this happened when I cancelled their Security Program that I had no idea that they had attached to my card every month. I kept wondering why only a few dollars a month, literally, was being applied to my credit. I went over my online bills and saw that some Security Program had been added for several months. I then cancelled that program and now my unused credit is gone. RIPOFF!!!! As far as I am concerned they can take my card and put it where the sun doesn't shine. If anyone is thinking about getting this card, RUN, don't walk, away from this company.

I bought a furniture from Ashley Furniture and it is financed through Synchrony Bank, and I wanted to pay my loan and I am not able to make payment online with Debit card. In the 21st century a financial institution makes paying my loan difficult is unheard off. The current payment options offered by Synchrony Bank for loan payments do not fully align with the customer's preference to use a debit card for online and automated payments. While Synchrony Bank allows online payments, the available methods are limited to bank account transfers and do not explicitly mention the acceptance of debit cards for online payments. Additionally, Synchrony Bank provides the option to make payments over the phone, but a fee is charged for this service. The bank does not have branches so that I can make payment in person and ask them to set automated payment using my debit card.

Stay away! Purchased ABT products (appliances) with ABT Synchrony credit card. Spent more than $30,000 and they said it's no interest on purchases. After 2 years the balance was around $ 1000 on one of the initially purchased amount of $3164 and after 24 months they added interest charges of $ 2400. A month later I noticed that the balance on my account increased a lot and I called the customer service - they said nothing they can help me with even when I was ready to pay off entire balance, also they charging you additionally $75 each month on a top of other charges. Beware!!! Stay away!!!

Synchrony Bank opened a credit card in my name WITHOUT my approval, signature or authorization. Then they tried to damage my credit by saying I owe for charges made to this fraudulent account. My husband opened an account through Sleep Number and my name was on the application so they issued 2 separate credit accounts $12,000 and $9,000 in both of our names. I contacted them when they issued the card, NEVER ACTIVATED THE CARD yet Sleep Number applied my husband purchase to a card that was never open, authorized nor used based on a phone number. I called endlessly to advise Synchrony Bank and Sleep Numbers that there was an error with no resolve. If a purchase was made it was on my husband account, I never authorized any credit card or purchases. Yet they are sending me a bill!

They operate with criminal business practices, and there are many victims out there who have made the mistake of thinking they are a legitimate bank. In my case like many others they have taken my deposit and are holding it without paying any interest for an indefinite time frame. This practice is much in the news lately and the government should step in a stop these criminal activities. In general it seems this site and others are filled with critical and negative reviews of STEALPHONY BANK: Synchrony Bank. Stay away from them!

I have worked in financial services for over a decade and suspect but do not know: Synchrony uses either old or basic algorithms so basic consumer functions are fumbled. For example their auto-withdrawal failed on my account, and their customer service department is not trained at all on the issue and so isn't able to help very much at all (and they will count it against you). In the year 2023 I had to manually make monthly payments. So if you need the credit they will extend it, but there are better banks available.

One would think in 2023 that verifying your identity to make a purchase would be fairly easy. Synchrony disagrees. After 14 phone calls only 2 hours after opening an account, I closed said account. If their system cannot figure out how to send a code to my cell phone (which is on record) and their customer support reps transfer me to ADT Home Security's hotline, I have to wonder what happens when I have an actual problem.

Beware. The Synchrony website walks you through the autopsy setup process. They will give you 4 years to pay off the product with deferred interest. They won’t, however, explain that if you don’t pay in 2 years then they will hit you with an interest amount the equivalent of the purchase. In my case, $3k. Absolutely disgusting and I don’t know how these con artists sleep at night. Absolutely garbage company.

Unsatisfactory Customer Service Experience with Synchrony Bank EVER!!!! I am Ernesto **, a 70-year-old customer of Synchrony Bank, and I recently had an unpleasant experience with their customer service. My interaction involved a Spanish-speaking agent under the supervision of ** (#530) at the Synchrony Bank call center (PO Box 71715, Philadelphia, PA 19176-1715, Call Center #1866-396-854). Initially, I spoke with an agent named **, and later, I was transferred to a female representative who refused to provide her full name or agent number very rude.

Had a credit card 2 years. Never late ever. Out of clear blue they dropped my limit from 4600 to 400 which of course will ruin your credit score by showing high usage. I closed account. Called them but they don't care.

We bought kitchen cabinets and countertops from Lowe's, had nothing but problems, after a few months, we received a check to compensate us for our issues, about three months later, they charged our account 700.00 saying they shouldn't have given us money back, that it was a computer mistake, even though it was an agreed upon amount. Now they're trying to say we're late on payments after everything was paid in full, and they try to sneak 700.00 on our account. I've spent numerous hours on the phone with them and sent in all documents proving what happened. All I get is a different rep asking me the same questions every time. You can never get the same person twice. Today along, 2 1/2 hours on the phone, and had to call back four times from being disconnected by them.

The product I ordered is not bad. It does squeak a bit but works. However in the time of purchasing the product I was told that I can finance it for 18 months with no interest....Sounded amazing....My bad not to read the fine print! They didn't also promote the fact if you don't pay it all before 18 months you will pay 30% interest yearly on the whole purchase price....which cost me over $1000 extra....Bank Synchrony is an amazing scam!!!!

I am deeply dissatisfied with my experience with Synchrony and their Credit Security Service. In April 2021, I opted for a financing option for my new Air Conditioning system, and it has turned into a nightmare. Automatic monthly payments of $285 were set up, and I recently discovered an unauthorized balance of $4,268.37 on November 13, 2023. Shockingly, Synchrony had enrolled me in their Credit Security program without my consent, charging an outrageous $159.5 monthly fee—more than half of my original loan payment. This fee accrued interest at 26.99%, resulting in an unjustifiable balance.

I didn't read the fine print, my mistake. We had 3 transactions on 1 card and received 1 statement with 1 balance. I calculated how much my payments needed to be to pay off each transaction prior to its promo period expiring. I even called to make sure I was doing this correctly. However, Synchrony doesn't apply a payment to the oldest. Instead, it applied a "minimum" to each of the 3 transactions (remember, 1 statement) and the excess went to the oldest transaction. I had it on auto payment. When I went in to see how much was still left on the account, I was shocked to find that we still owed almost as much as we had borrowed.

I have 6 Synchrony credit cards each with payment security. Over the years any claim to activate benefits is easy, after that it's a nightmare. Under 3.1 of their contract, they are supposed to cover or credit you, your monthly payments. They do not reimburse you or credit you. Then if no additional purchases since benefit activation date, they are supposed to completely pay the balance owed on each account up to $10,000. When making your own monthly minimum payments the final payout doesn't cover your whole debt. This is theft by deception and breach of contract.

I have had a account through these people for a year. Was late like twice and once was because I was admitted in the hospital. Which I offered to provide proof because they lowered my credit limit after that and that was once. Paid my entire 4,000 credit off in less than a year making huge payments and these people destroyed my credit, and closed my account down after paying them completely off!! They refuse to give me a reason why!! These people should be completely shut down!! They have ruined my credit and I still have no clue what I did so bad for them to treat me this way!! DISGUSTING!! HORRIBLE!! PIECES OF DOG CRAP!! DO NOT GET ANYTHING FROM THESE PEOPLE!

My credit line was reduced after my credit score went up. This company is pathetic. Avoid like the plague. Customer service is useless. All a bunch of foreigners. They obviously live to mess with people's debt to income ratios.

I don't even know where to begin with this bank. I have been actively working to pay off all accounts to remove myself from any potential risk from this bank. If you care about your credit score, stay away. Here is my current story about this bank. I have a PayPal credit line that I just paid off in full. It has been a little over two weeks and Synchrony has yet to report that the account balance is $0 to the credit agencies. I'm then rewarded by Synchrony when they lowered my credit limit to $100 from $7,600. This is going to impact my credit again. This isn't the first time this has happened from this bank. Anyone who is looking to open an account with Synchrony needs to Full-Stop and run. Do not, I repeat, do not do business with Synchrony.

Worst financial company to deal with. They will charge you late fees even if it hasn't been 30 days!!!! You should know their billing cycle according to their customer service!!!! Would not recommend. If you are thinking about applying for a store credit card that is managed by Synchrony I would recommend that you pass!!!!

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push notification with Credit Karma. I am more so concerned about the Levin account. I called into customer service and the first representative I spoke with was extremely rude. He told me a letter was sent to me and he read the text of that letter. He eventually hung up on me. The reasons for my closure is completely bogus. I understand I agreed to their terms and conditions upon opening the account, but that doesn't mean I can't dispute their decision. I called back in and spoke with a friendly rep who transferred me to a supervisor. The supervisor told me it is impossible to reinstate my account, although reading some of the other complaints on BBB it seems they did reinstate other accounts for people.

Unable to see their "non-promotional" purchases on their app/website? Seems this company wants to hide these "non-promotional" purchases, so the consumer doesn't pay them off, allowing them to charge their customers interest on this amount, each month. Apparently, you now have to dig through statements, to see what your "non-promotional" purchases are, instead of simply viewing these charges online/on the app, like it used to be. What a scam!!

I have had several accounts with Synchrony bank, all my experiences have been horrible. They will arbitrarily lower your credit amount or close your account, even if you have been 100% on time, and pay off your account. They claim that TransUnion is reporting that we have too much debt, high balances, and little credit. However the opposite was true with us. We have an 830 FICO Score, our credit report with Trans Union shows we have $100,000 available in revolving available, less than 5% in balances on that credit. They are liars, untrustworthy, the worst bank I have ever worked with in 50 years. DON'T USE THEM!!

This company is absolutely horrible with communication. After the amount of money I have spent with this card, they cancelled my card for non use without notice, devastating my credit score. There are too many other options, advise you to get a different financing company

Worst financing experience I've ever had. Initial monthly payment they estimated to pay off the balance by the end of the promo period was wrong. Did not realize I had a balance past the promo expiration date since My Synchrony did not send invoices in mail or email. Ended up paying 3 years of high interest on an "interest free" loan. Would never use them again and will actively encourage others to never use them either.

I am in a nightmare experience with Synchrony Bank and have had to enlist the aid of two federal agencies to try and get back the $100,000 they are holding hostage. I have several verified external accounts that transfer money into Synchrony. When $60,000.00 was transferred into Synchrony from one of these verified external accounts last week it didn't show up in my account even though Synchrony had sent me an alert verifying that the money had indeed arrived and the transaction was complete. I finally got the paperwork from the external bank showing the ACH transfer number, date of transfer and amount and gave it to one of the managers. A couple of hours later the money appeared back in my account.

The worst deal you can make is to finance something with Synchrony Bank. They are a mafia of scammers with very high interests and too many fine print. And I say mafia because with such a low rating (1.1) and such deplorable service, they are still in the market making deals with recognized companies they are degrading. They do not have a presence in many states where they operate nor clear answers for their wrongdoing. They are the disposable part of the garbage. Do not trust these people.

I have a degree in BBA/Management, and one of the first things I learned in College is that a business relationship is a partnership that works both ways, an equal opportunity for both parties involved! I think whoever is managing Synchrony Bank must either have no degree in business or managing a business, or fell asleep while this was being taught in class, because they seem to think it all works one way, and that is their way! They make all the rules and only they should benefit from the relationship! Well after reading your reviews and further research as well, I am confident it will soon all catch up to you, and you will eventually have no relationships with anyone.

Synchrony lowered my credit limit after I made a $500 payment, which was way over the minimum due. I have had ZERO late payments to them or any other account so there was no justification doing this!!

I underwent a significant ordeal involving this institution. Following this encounter, I reached the conclusion that Synchrony operates on a much lower tier compared to established traditional banks and is not equipped to compete at the same caliber. Regrettably, I made an error by placing a substantial sum of money into their High Yield Savings account. In a matter of months, they made a series of mistakes to the extent that I had to involve the authorities to reclaim my funds. Instances of lost transactions, frozen accounts, and a refusal to deliver services seemed to be commonplace there. I consider myself lucky that I managed to recover the entire initial investment. These individuals are either completely uninformed, engaged in dishonest practices, or possibly both. I strongly advise you to do yourself a favor and steer clear of them.

Lowered my credit limit for no reason, causing my credit score to go down. I never missed a payment, most months I made 3 payments, some months 2 payments, & all months always at least min. & never late.

With a FICO score of greater than 800, it hard to understand how a financial company can cut your credit line in half for no justified reason. This account was set up to purchase music equipment in the future with an 18 month interest free promotional rate, and with no activity, they just elected to cut the credit line in half.

I would never recommend getting a card or any dealings with Synchrony Financial. As a customer of YEARS with 100% on time payment history, they randomly closed my account without any notice or justification as to why. When called to ask, they only repeat a canned response which has no logic or bearing. I believe that this company has discriminatory practices against minorities and should be investigated as to any patterns of who they close accounts on randomly in good standing and the demographics of those individuals. I suspect we may find a class action case.

Like many others I have been struggling to just make minimum payments due to the course of most of my Synchrony accounts going from around an 8%-12% interest to around 32%-38%. I'm not hiding nor avoiding the calls. I'm honest and straightforward and working towards paying of all my account through another company who is negotiating and consolidating those account. I have never been late nor missed a payment prior to my issue. We are talking 20 or so years of perfect payments. Jump to more recent starting 3 days after I missed my payment I started getting harassed...But what is more worrying is the fact that for all the other Synchrony account they have either closed out where I can only make payment..All this has taken place less than a month of me missing my payment..

Synchrony Card Security is a SCAM! Do not sign up for this service. I discovered that my monthly loan payments was only going toward Card Security. Then when I lost my job, they denied me because they said I resigned instead of termination. So, the 3 years that I paid into the program was lost. And they will not refund me the money I paid into it. I was not given any information from the provider about the terms and conditions of this program.

Synchrony Bank closed my Care Credit MC, Lowe's, Living Spaces and Amazon accounts without notice and for no good reason. One account had been in service for over a decade and had real sentimental value. It was for my first dog and I had been using that card for each subsequent pup in my family. It hurt they closed that account so callously. I had $0 balances for 3 cards and paid off my Amazon card monthly. My only mistake is that I decided to trust such an unsavory financial corporation. Their practices are legal and hidden in their terms and agreement. I will never conduct business with them ever again. It is a shame they are the ones who operate Amazon's credit cards. Hopefully Amazon will rethink their relationship with a bank that cares very little for its customer. You should avoid doing business with Synchrony Bank unless absolutely necessary.

They closed my account after I paid the account in full before 12 months (0% int. if paid in 12months). My credit score dropped by almost 40 points because of the closed account. When I called to ask for a reason: "It's because you don't have a real estate on your credit". I didn't have a real estate back when I was approved for the card. They're trying to have me reapply for the same card again. DON'T EVER TRUST THEM.

Was charged interest on new purchases. Received horrible customer service from Micha and manager Kevin **. Both were very rude, untruthful, and would not reverse bogus interest fee. Have been a customer for years and always pay on time. There is nowhere on the bill that states how much to pay to avoid interest, you have to guess. You also have to call after every payment to make sure funds are allocated properly between promotional and nonpromotional balances. Not convenient or modern at all. Wish I never got this card and I'm closing this account ASAP.

I have signed up for multiple lines of credit over the years through various different entities that have been backed by Synchrony. You'd think there would be some cohesion within Synchrony connecting the personal information I submit every time where they could verify me without doing a hard inquiry on my credit history, but, alas, I have 4 hard inquiries on my credit, and they are ALL from Synchrony for 4 different card accounts/lines of credit I have opened.

Not only stay away from them run as fast as you can. They called themselves PayPal credit, but they don't honor PayPal policy. Six months still fighting with them to get my money back. After purchasing on eBay pay with PayPal credit eBay, close the dispute in my favor. PayPal close the dispute on my favor with Synchrony Bank, refusing to give me my money back. Six months fighting with them Amazon credit card, and Venmo it to synchrony bank as well. I canceled both of them. Cannot wait to clear the problem with PayPal credit so I can close that one too. Stay away from this scam bank. That's called themselves synchrony bank.

Fraud is everywhere. Never would think Synchrony Bank would side with fraudsters, but they do and will. Hugely dissatisfied as they treated me like a criminal despite evidence to the contrary. Weeks of run around, wasted time and effort I decided to pay the fraud charges and close my account permanently. AVOID SYNCHRONY BANK AT ALL COST.

On February 11, 2022, I ordered two 36x36 frameless bathroom mirrors from LampsPlus.com. The mirrors were delivered on February 17th. They were shipped encased in form-fitting Styrofoam in separate boxes. Opening the first box revealed a shattered mirror. The second one held an intact mirror that had several deep scratches that went unnoticed at that time.

I have a Care Credit card, the old one, that I got approved for when my credit was fair. Now, the card is paid off in full and my Credit Score is way higher. Now they tell me that I cannot upgrade the card to use for vet services because it is done automatically by the system. I have never been contacted by "the SYSTEM" ever! No has a phone number to call and all they do is apologize for the inconvenience. I will never use them again. Absolutely terrible customer service.

I have 2 accounts through Synchrony Bank, one for Lowe's and the other one for CareCredit. I recently opened up my ENT account to get some of my debt taken care of, so I wasn't familiar with how the account number was supposed to go in, so me not knowing I put the last 2 digits of the account number at the end, I had no idea that this would become an issue. I had submitted a payment on May 4th for my Lowe's payment, logged back in there on May 5th. Saw that there was a balance still due, so I submitted another payment. Logged back in there on the 10th. Saw that there was a $77 balance so I paid it. I had no idea that the payments had gotten rejected until I logged in a couple days later to make sure that they posted. I didn't receive any notification, email, phone call, or anything stating that my payments had been rejected.

I opened multiple CDs with Synchrony bank this year because of attractive APYs it offered. I have CDs with Synchrony for many years before with no problem of closing when CDs matured and transferring funds to my external account. However, when my oldest CD was matured on 5/7/2023, I called the bank to close it and transfer the fund out since my CDs accounts were over the FDIC insured limit. The call center agent told me it would take 5-6 days to close the account and 3 more days to ACH the fund out. I thought he was bluffing about 5-6 days to close the account so I just let it go. 2 days later, I called again and another agent told me the same thing. My account was not closed yet.

I had a JCPenney card with them. I was going to make a purchase and decided to log in to check my available balance. To my surprise, my card was canceled. I called and they said it was for risk of nonpayment. I have been paying it on time every month!! How is that risk of nonpayment?? The worst part is that they didn't tell me beforehand. The person I spoke to said that they just mailed a letter a few days ago. What kind of customer service is that?? What if I hadn't checked and gone straight to the store??

I had a really good relationship with Synchrony bank. I have three different credit cards with high credit limits. Had them for years. Never been late. We went and bought two new trucks for our business and of course, with interest rates as high as they are these days I shopped with multiple banks to get the best rate on both trucks. After doing that on every single credit card synchrony Didn’t even send me an email. I went to use my cards and they all got declined. Called synchrony and they lowered my credit limit. One card 7800 to 280, second card $9000 to 230 and third card $10,000 to 3250 which Only reason they lowered it to that was because I had a that as a balance for a 0% for 12 months offer.

I have several cards and a savings account with Synchrony Bank, and they make me jump through hoops to be approved for a credit card. I applied for a couple of cards, and they sent me through that verification process on your mobile phone. I fail them all the time. I had to do one today, and I told the representative I would not pass if I had to go through the process. She said to give her a minute to ask the help desk if I can send in the documents. She returned, and they told her no, and my application was declined. I was pre-qualified for $3,000.00. They just wanted me to do the mobile verification.

If possible, I would give a -1000 Rating. Their Care-Credit is a scam. I took a loan for care credit for a dental procedure( the doctor made me sign up for it saying it's interest-free) for $6200; after paying it for almost three years and the principal amount coming down to $3800 this January, Synchrony added another $2900 saying that that was promotional APR. They charged another 29% (YES 29%- despite my Credit score is ~800) APR from the day I signed up for the loan, saying it was deferred interest. It's such a scam, folks—terrible customer service. I tried my best to work with their Customer service, even though I had the auto-pay enabled every month. Never again will I approach Synchrony BANK for my financial needs. I paid off around 6K today; I hope they won't come up with another story again to scam me.

This company has Zero customer service. Everything is automated and a vicious cycle to get you to hang up. If you open an account such as a CD there is no option to close it online. You must call in to an automated vicious cycle which I suppose is to force your hand not to close. You will be crying in frustration after several attempts and hours of wasted time. Stay clear.

The most nonsolution based customer service I've experience. It's very hard to communicate with the reps. One time I called. Their rep was in the streets are you heard traffic. I had a problem with my account and they said it was a glitch, sorry! I called back and wanted to a complaint and he purposely hung up so I didn't leave a review. Every time I asked a question that he had to research he huffed and puffed and had an attitude. I've have been on hold for 45 minutes waiting for a supervisor. They are doing it on purpose.

I bought a course from someone who turned out to be a psycho and threatened me. I had proof that this person threatened me (emails) and Synchrony/PayPal Credit would not charge back the $2k to this psycho at Booming Bookkeeping Bill Von Fummetti. So now I have to go to small claims court. I have tenacity and bullies don't off easy.

Charged a late fee despite payment being well ahead of due date. I opened my account on October 31, 2022 at Rooms To Go. Per the account, payments are due the 27th of every month. I made my initial payment of $500 on November 10, 2022. I then made another payment of $800 on December 12, 2022, $800 on January 6, 2023, and another payment of $800 on February 3, 2023.

BEWARE OF SYNCHRONY BANK. On January 20, I invested $100,000 at 4.6% interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated Feb. 3 that indicated I had to complete the process. On Feb. 14, I spoke with Renita. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to 1/20. I told her I would also increase the amount to $200,000. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony.

I guess it became a trend nowadays to get outsource reps with 0 (zero knowledge) and let them run your financial company… what a joke. Synchrony support not only useless but also provide false information and confusing customers even more. When it comes to disputes unlike normal banks like AMEX or Chase, this guys will not fight for you, they simply don’t care:

Hi. I have been an Amazon Card customer since it was first offered, and use to think Synchrony was great. Not any longer. I - Bought an iPad on Nov 3. Returned it on 1/13 (received by Amazon on 1/18). Found out refund would be after the accounting period so called Synchrony so I wouldn’t accrue interest, have a past due payment, or a late fee. Was told that I should dispute the amount so the above would not occur. Now told it can be up to 90 days for refund. Customer Service says that Amazon says they don’t have the product. Contacted UPS and provided Synchrony customer service with proof of delivery. Contacted Amazon and provided the transaction number where funds were returned to Synchrony on 1/30.

So, I found out on Friday that my account with Care Credit had been closed with no notification from Synchrony Bank via email, text, call or mail. I didn't understand why and called them on today. Synchrony Bank closed my account in June 2022 that I had with them for over three years, with no late payments ever, no payments due ever, and nothing owed to them at this time based on a credit report that was received by them from Transunion. I asked the representative why did Synchrony Bank pull a credit report on me after having been with them for over three years, the representative stated to me that Synchrony Bank automatically receives these reports every month from the credit bureaus and based on what Transunion stated they denied me credit and closed an account that had been open and in good standing with them for over three years,.

This bank does not support their customers. Pep Boys charged my Sam's Club credit card for a car battery that I did not receive in Fullerton, CA. The Pep Boys computer system crashed as my credit card was in the card reader. I agreed with the sales assistant to cancel the transaction as we did not know how long it would take to reboot the system. I left the car battery at the store and purchased a battery next door. Of course, I was charged for the battery and Synchrony has sided with Pepboys in this dispute multiple times. Now I am stuck paying $276 for a car battery that I did not received. Do not agree to work with this bank for any purpose. They do not have your back.

I purchased a 15 month CD from Synchrony based on them having a competitive rate. I regret ever doing this with them and the comparison between them and Ally Bank is significant. Ally Bank has experienced trained customer services reps, Synchrony does not. One person was down right rude and argumentative. Ally Bank has a 60-90 day penalty for early withdrawals, Synchrony has you keep it in place for the whole term and if you pull it out, they take every interest penny you've earned up to that point. Ally sends you a 1099 at the completion of your CD term and you pay taxes at that point, Synchrony reports the 1099 during the term of the CD, even if you never received an interest payment. I have been with Ally for many years and the only reason I opened a CD with Synchrony was due to the .2% better rate they had and now I regret it. This was a one shot deal and I wouldn't give them my business again.

I have had a very negative experience with Synchrony/ Living Spaces. You get furniture that's missing parts or damaged. When you attempt to contact Living Spaces, neither the phone nor emails are answered. Due to this, I filed a dispute with Synchrony and received a letter stating that the dispute had been resolved in my favor. The company has continued to bill me and add late fees to this balance, which has adversely affected my credit score dramatically. Do yourself a favor and avoid both of these companies. I wish I had researched them and figured out how they conducted business. I would of never opened an account because they treat their customers with the attitude of Oh Well Too Bad For You. They leave you stuck paying for damaged junk! In terms of furniture shopping, there are far better places where customers will be treated with respect.

Hello All, I use to think Care Credit/Synchrony Bank was one of the best credit card companies out there. I am writing to let everyone know how incompetent, unprofessional, rude, and outright disrespectful this company is. Since Aug of last year (2022). I have been put on hold for excessively extended periods of countless times w/o being checked on. I have been hung up on, given incorrect information, been harassed by collections and you name it, by Care Credit.

This bank has really shady practices. I had an Amazon store card for years and I had to cancel this store card because it was through Synchrony. I had a fraudulent charge on one card. They close the card and opened a new one. Meanwhile they took a payment agreement I had with Amazon to pay over 6 months and put it all on one month. I could not log into my account until I received the new card. I always pay the balance in full every month. But by the time I got the new card and could see what was going on the account they had charged in full the payment agreement and charged me almost $30 in interest fees. While trying to close the account the synchrony rep said I owed over $1,300 even though I had just paid $900 on the account.

I had applied in order to utilize savings promotional at Belks. Was approved instantly, reviewed their terms and closed the account—instantly. My account was active all of five minutes. This is not the banking institution you want other financial institutions viewing on your credit report. I would not recommend.

It took 3 years, many calls and many letters before someone finally contacted me about my complaint. Due to an error in their website, I was penalized $1900. The reason I was given for no reimbursement is that I shouldn't have used their website. I was dumbfounded by the stupidity. Like many Synchrony customers that can't get a response, I turned to the federal government and filed a complaint at Consumerfinance.gov. Stay away from this bank!

I had credit card with Synchrony Bank. I used it and fully paid off on time with no late payments. When I tried to make a purchase again, I couldn't. I called them up, customer service was so rude and unpleasant. I was told by customer service that my credit card was closed because I was High Risk. They closed my account without notifying me. They are HORRIBLE. That Bank should be CLOSED!!!!

On Or around 2019 I receive a MasterCard from Synchrony bank. After about a month with the card I noticed that I was getting billed by a third-party card security. I called them and told them I'd like to cancel their service, two months later I noticed I was still being billed. I called back security and told them I was not interested in this service. They assured me they would cancel the service.

My bank account had money stolen so I was forced to shut my accounts down and open new ones. I went to change my Synchrony automatic credit card payment to the new account. It was so impossible the website is useless but after an hour I thought I had added my new bank info. Later that week I get a letter stating my bank decline Synchrony's payment to my closed account. I called up synchrony and complained that they had hurt my credit by using the wrong bank account and I wanted them to correct it. They told me they would fix it. Then a week later I received a letter that they were investigating me!!!!! I contacted them back and the "fraud" specialist listened while I explained and he then said that the other fraud specialist had reported that I claimed the account was opened fraudulently!

I set up autopay and logged in on January 1, paid an extra payment that day. On the 6th, they took the balance of the card ($1709.16). While on the phone with my bank to resolve the issue, the credit union I am with informed Synchrony was attempting to take the money a second time, after it had cleared my account (thanks to overdraft protection). So I put a stop payment on it and the money came out of my account again on the 11th. I filed another dispute with my credit union and it will be a very cold day in December before I EVER do business with Synchrony Financial again.

After 36 minutes on hold I was told I had to call back. Not they would take care of it and call me back. The person said Synchrony didn’t want them on the phone that long!! POOR REASON!! This is terrible customer service. I have a large amount of money deposited there and I will be looking for other options.

Submitted an online account application, including my email address and mobile phone number, and received a 7 digit application ID. Waited for 10 days and no response came, whether email or phone call. Called 1-866-226-5638 with the application to check the status, and was told to provide SSN to restart the process. I gave up and will not try it again.

Our insurance company sent a check to Synchrony to pay off a side by side that was financed with this company and later stolen. It took 3 weeks for the payment to even post after they received it, plus another month and we still haven't gotten title. It hasn't even been sent out yet. I am beyond frustrated! I've never seen such terrible customer service. Every time I call in for answers, the story changes about why they haven't released the title. First it was 2-3 business days, next it was 5-7 business days, and now we are up to 15 business days! It should not take that long to pull a slip of paper out of a filing cabinet, stick it in an envelope and slap a stamp on it. They also don't have an online system, so every payment I ever made with them, I had to call in. Their phone system and customer service reps suck.

I disputed a charge with CareCredit aka Synchrony Financial last year that I didn't authorize with a merchant and only authorized a different dental service. Even though I didn't need the dental service on the agreement I was still charged still for another dental service in which I never authorized. CareCredit denied my dispute twice and was for the merchant in which I have been doing business with CareCredit for years, however, never again will I do business with CareCredit after last year and just paying off my CareCredit card this year...

If you love to get angry, aggravated and upset and have loads of time to waste, Synchrony is the bank for you!! If I had something good to say about Synchrony Financial I would say it but I can't think of anything good about them and I have been a long time customer. I have gotten misinformation from them regarding IRAs, unbelievably extra, extra long hold times, and annoying messages every minute on hold about "how important my call is" lol.

I woke up this morning with a $6,800 charge to my checking account from this group. I authorized a monthly payment of $250, and I guess they just decided that they'd take the whole amount. Isn't this called theft? My checking was obviously overdrawn by a few thousand at this point, so in a panic I moved my money around to keep from getting hit with bounced items. Do yourself a favor and stay very far away from these people. When I called, you cannot talk to a person. The lady on the chat claimed to want to help me, but after the horrific morning I had because of this and because of the ratings I have seen (after the fact), I told her the only thing she could help me with at that point was closing out the account. I double checked a few hours later, and they actually got that one right.

Used this card on a 0% for 18 month offer. Which changed to 26.99% when loan was not paid at 18 months. Called customer service and actually heard roosters crowing in the background. Customer service lady was cold as ice. Use caution when dealing with this company as they will not offer you a better interest rate.

They just debited my entire balance of over $3k that was only 1-2 months old when I had autopay set up for $250 due to an error in their system. The only recourse was to refund me the difference in a mailed check that will take 7-10 business days and then wait a few days for it to clear. I wonder how many others they did this to right after the holidays?

They never seem to send an email for the first bill. Only when it's late, why is that? I never had a problem with my Penney's or Lowe's card until Synchrony took over. If they are the parent company of your credit card cut it up and never use it.

This is my health credit loan experience. If I could give Synchrony Bank a zero I would. I got the loan through CareCredit/Synchrony Financial $5400 12 months ($450 monthly) payment plan with no interest for my husband 2nd hearing aid. 5 years ago, my husband’s 1st hearing aid loan from Wells Fargo didn't have any problems. This time when I paid the second payment, I found that I was one day late.

I scheduled my monthly credit card payment with Synchrony Financial. I never received a confirmation that the payment was processed so I checked back the next day to see if anything was showing pending. There still was nothing showing. I waited one more day and still nothing. So I submitted another online payment for $506. This time I received a confirmation and I saw the next day where it showed pending. The next day I see I have a credit of $506 because now they have found the other payment also. I didn’t owe anything except $506 which I paid off, but instead of not applying the payment Synchrony kept it. I contacted their office on November 28 and was informed they could not reverse the payment because I had paid it from my checking account, the only way you would pay a credit card. That said they would issue a check and it could take anywhere from 2 to 3 weeks for me to receive.

I got a Sam's credit card recently. Traveled to relatives on Thanksgiving. Tried to make a purchase on Amazon. Because I was out of town, Amazon deemed the purchase suspicious, so Synchrony automatically cancelled the card without contacting me. That was Nov 21st. Synchrony did not even mail the replacement card until Dec 5th, 14 days after they unnecessarily cancelled the original. I will still use the replacement card, depending on which year it finally arrives. But I do not trust their system. I will only use the card at my local Sam's Club, nowhere else. Synchrony credit cards cannot be trusted. Their system is fully computer controlled and they will cancel your card with no warning because you made the mistake of using their card on a trip to another city.

I’m currently seeking 5 witnesses, if you are/were in good standing (not delinquent) and Synchrony did any of the following to you: closed your account, decreased the limit on your account, or report negatively or erroneously on your credit report then reach out to **(gmail). You will only need to give a statement only same as review you would leave here. Please don’t miss this opportunity.

Is Synchrony Bank a partner with Pep Boys in scamming customers? In May 2022, I experienced the 3rd or 4th time issues with my OEM battery on my 2017 auto not charging/starting. I therefore, after taking my daughter to work, stopped by Pep Boys to have the charging system, etc checked. At that time they stated that the system was fine but the battery was only showing a 40% life. Since the battery was so old I went ahead and purchased a new one.

If you get scammed by a vendor using your Synchrony credit card and then dispute the charge, even if you have overwhelming evidence to prove your claim, Synchrony by default rejects your claim. They will cite whatever excuse just to deny the claim. Today they cited the excuse as "amount charged to your account matches the amount that is listed on the purchase receipt." THERE WAS NO PURCHASE RECEIPT! And I have evidence proving I was overcharged and scammed. They do not have an email address you can write to so you have to send everything to them by postal mail or fax (probably because they know no one uses fax anymore). You call and they reopen the dispute just to deny it again.

After making a purchase a few months back and realizing that the company was a scam I put in for a chargeback. Synchrony said they would take care of this but in the end did not. Customer service could care less that I was scammed and synchrony Bank cannot even hold a candle to the customer service of Citibank. I should not have let the points that Synchrony was offering to deter me from Citibank. Worst credit card I have ever had.

My Sam’s card was compromised, and my account was cancelled by the Synchrony security department. Two weeks following my original phone call I didn’t receive my replacement cards. I called the Synchrony customer service department for a status and talked to a manager. She was useless. I was told that it might take up to 21 days to get my replacement cards. This is unacceptable!!!! Replacement cards should only be sent to customers using traceable express mail.

First of all, they give you the highest APRs possible. Then, they lower your limit without telling you so you go to pay for something and you find out your $5000 limit just decreased to your balance due.

Worst customer service ever. Talk to the highest customer service rep available. After talking to several people over months and hours on the phone with terrible customer service reps who did not want to help. He agreed we were owed reward points last month from SYNCHRONY BANK. He agreed we are right and they were wrong. However, her could not fix it or get us in touch with someone to fix it. He said no one could call us back and no one could email to give us a status update. Just wait. Wait for what?!?!

I applied for a Lowe's card as a homeowner who performs several do-it-yourself tasks and home maintenance. My credit limit was initially $3,500. At the time, I was unaware that Synchrony Bank issued the card. They abruptly lowered my credit limit from $3,500 to about $300, which was my balance at the time, without warning and for inexplicable reasons. Obviously, my credit utilization with them rose. Remember that I have never missed a payment, been late with a payment, or exceeded my credit limit. The same thing was done on my JCPenney credit account, they also issue. My wife had a CareCredit account she never had a chance to use. Synchrony unilaterally closed down the account without a reason given.

I took the deal at Discount Tires to open a credit account with 6 months no interest. The trick is that they want to do everything online, but only once in two months has the website actually been working. I've had to call to get info on my account and payments. Reading other reviews, I'm very glad I've opted to send payments by check and postal mail, rather than auto debit. I call them every month before the payment due date, to make sure they received the payment, and will pay off the balance when the introductory period is up. It would seem that I will earn the money I saved on interest, and these folks are as trustworthy as a cat on a kitchen counter with an open can of tuna.

They closed an account on a perfect payment credit acct. No notice but received a letter stating it was decided on a predictor I may miss a payment. I have a zero balance. Paid perfect and have a better score now than when the acct was opened. Don't use these idiots.

I acquired business loans from Synchrony Bank. First, they are very high interest compared to lenders. Secondly, after you pay off a loan you will wait forever to receive your title. I paid off loans 2 months ago and I have called and called them and they still haven't sent my titles. Very poor customer service. Stay away from them!

Synchrony abruptly closed my account and dishonestly labeled the account as settled without giving me a reason or explanation. A settled account means I have agreed to pay a smaller amount than what was originally owed. That did not happen as I'm still making payments on the original amount. After this encounter, I decided to pay off the remaining amount instead of taking advantage of the 0% APR. I never want do business with this dishonest and incompetent company ever again. The 1 star reviews on this site is a testament to how bad this company is. Avoid them at all costs.

Purchased a $10,000 Sleep Number package and took the 0% interest for 24 months with Synchrony. After two months they took the full amount out of our checking account. Made no sense. They drafted the usual monthly and the full amount on the same day. I could no longer trust this organization. They claim I changed the payment from the monthly amount to the full amount. Sure, that makes total sense. Not. Steer clear of this nightmare.

I called tjmaxx and Synchrony Bank about an error that I owed them a payment for October 2022 when I made a payment 3 weeks on oct 3 2022…before due date which is on oct 28 2022. They claim that I make the payment too early and that it will not cover for oct bill because it was paid before the cut off date said the representative and then on top of that they removed all my payment information online so I wouldn’t have proof. I never heard such a thing….so now they want another payment. tjmaxx and synchrony bank are a bunch of rip offs. Do not deal with them!!!

So I got this card last year. I've made every one of my payments on time. They closed my account saying that they didn't received 2 of my payments. I have all my receipts, bank statements and emails where the money was taken out of my bank account and put in their account. The amount even came off of bill. They're still saying that they didn't get them. I went over to our Lowe's store the other day to make my payment there, and they showed me pages and I mean pages of names that is having this same problem.

If I could rate this company 0 stars I would. This is the biggest crooked company I have ever worked with. After a period I could spend a well over $4000 made every payment and paid off my card they've decided to close my account due to a credit risk. Do not use them. Worst company ever.

Those who advise steering clear of these guys will certainly get no arguments from me. I'm unfortunate enough to have two accounts with these jokers and CareCredit has been nothing short of a nightmare. I had three, but as many have noted, it was closed without any warning whatsoever. I had a charge I did not authorize transpire, which I didn't contest since I knew who and what it was for, however, I modified my payment for more two days before the payment was automatically set to be made. I got the confirmation email that the payment was set to be made like normal on the due date. I've had no trouble with payments in two years since my account number was changed, so I was bewildered when I saw I'd missed a call from Synchrony 4 days after the payment was made.

They lowered my limit 3 times and the last I closed my account and they won't be getting dime one from me. I don't care about my points by the way. I had great credit with these clowns. I cost them over 3000 dollars for their stupidity. They do this to lots of people. They ruin people's credit. I have 29 perfect account. No one is going to care about these clowns. Good riddance.

I have been trying to get a refund for months as well as over 30 hours in calls for a service the was cancelled by the merchant. I sent paypal credit bank the email confirming the cancellation several times and they kept requesting it. I spoke to the highest level at the bank, which is the Account Manager, and they tell me that they will send me dispute to the dispute department and they also verify that they received the email confirming cancellation but nothing happens. Every time I call, I have to start over and get transferred to account manager and I am told a different story. Never ever had a worst customer experience with any bank or merchant like this company. I have dealt with Paypal and no issue, it's the paypal credit bank they used that has customer service agents who don't know anything and worse, the account manager they transfer you to is even worse. Very frustrated and with I can give negative 5 star to this...

I got approved for a credit for over $1k. All my payments were ON TIME. Got my account down to less than $300 and they sent me a letter saying they were decreasing my credit to $250. My available balance went to $7 and then they charged me $100 on my next bill which wasn't due for another month. It's funny because they kept sending me emails telling me to buy more things and when I didn't, they decreased my credit limit and claimed it was due to bad credit. No warning...no NOTHING. I will be paying off my balance and cancelling my card.

Synchrony closed my account with discount tire credit card NO WARNING while in good standing which took 30+ points off my credit score. Then they WILL NOT answer phone and hang up on me. Their chat agents online are no help and they simply refuse to provide any answers to me as to why my account with 100% perfect payment history was closed again without notice. As others are saying avoid this institution at ALL COSTS. It's not worth it.

I was unaware this financial entity was a monopoly. I shop extensively online and have discovered almost all of my credit cards are underwritten by this financial entity. They have this reprehensible practice of lowering your initial credit limit without provocation which of course lowers your credit score. No matter that you pay your accounts on time and in full. They continue to do this to the detriment of the credit holder.

I opened my account on 07/29/2022, after I read the reviews about the insolvency of the bank, I decided to withdraw my funds and close the account; it is now a month later and I am still trying to access my online saving account, with no success. When I call over the phone, they answer but make it very difficult to solve your problem. They avoid answering your question or resolving any issue you may have. I made many phone calls and no success. I had to report them to the banking fraud commission and am waiting for the resolution of my problem with this fraudulent bank.

Stay Away From ALL Forms Of Credit With Synchrony Bank... you will regret not listening to me, I promise you! I have the EXACT same problem with Synchrony Bank as everyone else who files complaints about them! I have multiple credit cards through Synchrony, and they ALWAYS start me out with medium to high CL's, just to take away my available credit and lower my limits over the course of me paying down my balances. They do this to EVERYONE, and have done this to me on 100% of EVERY card that I have with them!

I had a two card with them. The first card I was asked to provide a survey and when I posted my concerns and dissatisfaction they closed my account. The only the second card I was late but after a few days I paid it off and they closed that account. Anyone looking at this post please when you hear Synchrony Bank RUN PLEASE. THEY WILL SCREW. They have no compassion.

Forget about getting anything from Synchrony Bank, they will eventually closed your accounts, just Google Synchrony bank closed my accounts and you will see how many good customers who had their account closed for no reasons, customer are also talking about a class action lawsuit about this.

Synchrony Bank will randomly lower your credit limit without notice and suddenly your credit score will drop through the floor as your utilization % will suddenly sky rocket. Avoid store credit cards as they usually use Synchrony. They are a terrible bank and do some seriously shady things.

I ordered online from a fraudulent (fake) company that used stolen tracking numbers from USPS. Once I started investigating it was very clear it was fraud. However, I've had to jump through hoops and still am jumping through hoops to have this bank return my stolen money. I've been forced to do my own legwork by writing letters to them, sending documentation, working with the post office to get the information of where the actual tracking number lead to.. which they won't give you the actual address. However, the fraudulent company claim they sent a 50 pound bucket of chlorine for my pool I ordered and the tracking number is associated with a 4 oz letter.

Do NOT choose Synchrony for a credit card. I have been a customer for five years and paid and paid every day on time. They start off with a high credit limit and randomly lower your limits. Most recently they lowered mine to where I ended up over the credit limit and had to pay them additional fees! Every time they lower your limit it affects your credit score.

In the last year this company has closed 35,000 in credit on different cards from Lowe's, Adorama Camera, B&H Photo…. My lowes they closed with balance of 3800 with a 10,000 limit. I'm in the middle of a home remodel. My credit was perfect before they started closing my accounts! In the last two months it has gone was mid 700s to now mid 500s! I never had a single late payment and always paid more then the minimum balance! In fact most my cards where paid off after a purchase within 3 months! They screwed me! No warning on lowes card. They sent me an email and it was already closed!

This financial institute is not the greatest and they do more harm than good, potential customers stay away. I was approved for $1000. Somewhere down the months my credit amount was reduced from $1000 to $680 and their reason specified was due to an increased in my usage percentile and slight decreased on my credit score; as a result to their decision my usage percentile was further increased and my credit score with further decrease. How is this helping the customers to establish a healthy credit.

10/2021 requested limit increase on my Newegg account from 3k to 5k, approved. 01/2022 all minimum payment due amounts increased on all Synchrony accounts. 01/2022 Newegg account closed due to "bad credit". Account balance 0. No late payments. Credit rating impact due losing "age of credit history ". 04/2022 Ashley Furniture account opened for 9k. 06/2022 Guitar Center account opened for 2k. 07/2022 Amazon account limit decreased by 2k, putting utilization at 99%. No late payments. Another impact to credit score. Sounds like company is in trouble and taking it out on customers by making decisions that impact their scores. Extend credit and then take it away. Find other ways to pay or charge other than Synchrony.

I have tried numerous times just to change my contact phone number with PayPal Credit. Their online service referred me to a phone number which I called and after following the rep's instructions to the letter, it still would not allow me to change my phone number. Now I have to wait a week to 10 days for a snail mail letter to arrive with further instructions. I have changed the phone number on over 100 of my other accounts without a hitch until now. Synchrony screwed up with Amazon and now they are screwing up PayPal Credit. Stay away from them at all costs.

Be warned ... The Synchrony Card is a royal PITA if you travel or regularly use the card out of your billing state. Only card that still requires "travel notification", & then only for 30 days at a time. Definitely makes me more likely to go back to Costco.

I filled out an application at a local jewelry store in my area for a Synchrony card. Then they emailed me that I needed to call their customer service. I got passed around to 5 different people and kept getting requests to send in more paperwork that I had to pay to get notarized. Not worth the hassle. BTW, I have an 870 credit score.

I applied for a PayPal credit card. My credit score is 845 and I have zero debt. Was turned down because Synchrony cannot verify my identity. I had even received an email from LifeLock that Synchrony was doing a credit check for a credit card application. Just ordered my credit report from TransUnion so not sure why Synchrony was unable to do that. TransUnion is one of the agencies they use.

Recently opened a Lowe's credit card through them. Immediately signed onto their online site to set up payment for charges. Today I receive an email saying that the credit charges were reversed. Multiple attempts to talk to a real person resulted in them hanging up on me. This card is being cancelled asap. Lowe's what type of companies are you dealing with? They are totally incompetent.

I have a complaint with SYCB/Sam's Club Dual CC. On Feb 15, 2022 a payment was made made online for $2,000. SYCB/Sam's Club said they didn't receive it. A dispute was opened. Our bank sent a confirmation that the $2,000 was paid. It was 3 months until they found the payment. (Charging me interest and late fees on the amount while it was in dispute). On 5/26/22, I spoke with a representative and she confirmed they had the payment. I asked her what the remaining balance was. She stated $398.50. I paid her online for that amount to pay it off.

Worst credit card I have ever experienced. Can't believe Sam's Club uses them for their store card. It is such a problem that I will probably drop both Synchrony and Sam's. They regularly shut off my card "for my best interest" then the process to get the card working again is a week's long process.

Turns out they did approve me, just for 1k less than I'd requested.

A few times I got slapped with late fees. I understand you get a late fee for delinquent payment. However, I don't understand why I get charged a late fee for the coming month also if I voluntarily paid 2x the fee! Apparently the extra wasn't paid soon enough. (I think it was 5 days.) They accepted the money, but I got another late fee the following month even though I paid the minimum 10 days before the due date. 13 days after my payment I get a text asking me to make my monthly payment. They were actually looking for a little less than the extra amount I paid the previous month. Me more than doubling my late fee payment did nothing.

I'm unsatisfied with TJX Rewards card interest rate due to the fact that they charge interest one month after opening the account and even on balance below $151.34 regardless of paying more than the minimum due. I was unaware of this information when I opened the account but due to the interest I don't feel comfortable continuing to use or use the card at all.

Two years ago I was doing a home project through Lowe's, and was talked to getting CC through Lowe's. They told me that for 2 years you do not pay any interest, if you do not pay the card within 2 years the interest will start. Recently I started to get calls (every few hours) from Asia that I thought were a fraud. They told me that I had to pay the double amount from what I had on CC. When I opened the statement I saw that I had to pay my card in full by a certain day or they will charge you 27% for each year. It was 1 month after that day. They made me pay the whole (doubled) amount. My question is why could not they hire the same Company to call people every 4 hours reminding them to pay the whole amount or the amount would double. Please do not take CC from them or deal with that bank. I feel that I was robbed.

I will be very brief. DO NOT TAKE ANY SYNCHRONY BANK CARD. They are thieves, scammers, any name you can call them. They give you $2000 worth of card and expect you pay off in 6 months without any notifications. I don't want this to happen to anyone. AVOID SYNCHRONY BANK.

I received an email from HSN stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on 6/6/22 to be drafted on 6/10/22. I received a confirmation email after I scheduled my payment which I’ve attached to this message. I called customer service and spoke with a young lady by the name of Shatima. She advised me that she could see that I had scheduled a payment on 6/6 to draft on 6/10 and she was sure as to why they never drafted the payment. She also advised me that this “missed payment” has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix.

10+ years with 100% on time payments, credit rating of 750+, they closed all of my accounts claiming I was a High Risk! Synchrony is High Risk for anyone that uses them, STAY AWAY! Also, I have sworn to never shop anywhere that uses them to issue their credit cards or is affiliated with Synchrony in any way! Birds of a feather flock together.

NEVER AGAIN will I ever do business with ANY business that has credit issued through Synchrony!!!! I discovered today (as I received no notice at all of any kind) that EVERY single account I have that was issued by Synchrony has been closed! Mind you, my FICO is about 770, so it isn't that I have bad credit. Nor have I ever been late on so much as one payment. In fact, the majority of the accounts I had through them, for various retailers from Lowe's, Guitar Center, E-Bay, Chevron/Texaco, Harbor Freight, etc... were at a 0 balance and had been at that balance for months! They lure you in to opening these retailer specific credit cards with offers of special financing and discounts, only to pull this kind of stunt on you later, after you have been an EXCELLENT customer for YEARS!

I have several credit cards with Synchrony Financial including Amazon, Care Credit, Sam 's Club and all cards are closed. I called and their agent stated close because of dishonored payments. I use After pay to buy clothes and whatever I need. By Synchrony Financial doing this they did me a favor. I am looking forward to paying them off so I can move forward to buy a home. Can't have too much credit, need to be below 30%. It was good when I had them.

Please beware of this card! If any furniture or any other company offers interest free financing by way of Synchrony Home or any other Synchrony designed or dedicated financing don't waste your time and you may want to either pay for your purchase in full or just run as quick as you can to a company with more reputable finance options. Synchrony's statements are a lot like Verizon Wireless bills! There's going to be some extra charges but they're really hoping you don't look. Their customer service reps are no help as they just keep transferring you up the ladder always hoping, my opinion, that you'll eventually hang up. Truly a nightmare, trainwreck of a company. SMH

I was with Synchrony Bank for many years. Had 100% on time lower than 30% usage. They canceled all of my accounts for no reason out of nowhere and tripled my minimum payments. I had well over $100,000 of credit between the eight accounts with only about 27000 used. They decided for no reason to shut everything down and then tripled my payments. I almost can’t make the minimum payments and I have zero options. When I call to try to reduce payments they give me the runaround and hang up on me. I was told that if I try to file bankruptcy or use a consolidation program they would sue me. Don’t make the same mistake I did. Stay as far away from these unethical loan sharks as you can.

I was partway through an application over the phone with a live agent on the phone for the Care Credit Card. I was asked if it was okay to run my credit, to which I answered that I would like to place my application on hold until I consulted with my home loan officer. I specifically asked to place my application on hold until I called back to continue the process for the Synchrony Health Services Credit Account. An hour later I receive an email notification that they made a hard inquiry on my credit. Safe to say I will not be using Synchrony in the future and I would caution anyone against using Synchrony unless you like dealing with a shady company who will run your credit and make a hard inquiry WITHOUT PERMISSION.

Synchrony Bank closed multiple trade/credit card accounts of mine without cause. My credit score is in the mid-700’s, never missed a payment. In fact, paid off all balances early, causing Synchrony to be unable to charge deferred interest or fees. They’ve closed my Ashley Home, Mattress Warehouse, Haverty’s Furniture and Lowe’s accounts. Appreciate the use of their money at no cost to me. Luckily, BP Gas has changed their credit issuer. Otherwise, I’d be cancelling that card, too. Stay away from Synchrony if at all possible!!!

I changed my mobile phone number. I updated it on the Synchrony bank website for my savings account. The next time I try to login, I'm prompted to verify using my phone number. There were 6 old phone numbers in the drop-down box. But the phone number I just added to my account 2 weeks earlier was not listed. So I couldn't login to my account.

Wait times on hold are ridiculously long. I waited 35 minutes to get someone for a simple question and was put on hold for another 15 minutes! After that she said that she needed to refer me to another department but that her computer was down so I would have to call back. This isn’t the first time I’ve had problems with them, their customer service is in the toilet and I’m pulling my money out as soon as my CDs mature.

Poor and rude customer service they have. I disputed a charge and this so called dispute department never did any due diligence to the case but only asked me to contact merchant which I did but wasn’t getting any reply from this merchant for almost a year till I closed my account with them and they didn’t care how long have been with them. Never wealth anyone’s business.

I had a card with Paypal that I cultivated over time to a 10,000 limit. This took much work, saving, and good credit habits on my part. Paying bills on time, and being responsible. Because I paid off the balance of my PayPal credit, and not used it for a while. They (Synchrony) saw fit to cut my limit from 10,000 to 1,500. We as customers should not stand for this. Let us start speaking with our wallets. Anyone who reads this review STAY AWAY FROM SYNCHRONY BANK IN ANY CAPACITY. Let this be a lesson to you. These big companies think they can do what they want. Let us show them with our wallets. Anyone who has had this done to them tell someone else. Until they are begging for business, and ready to change these unfair practices.

All the comments I read so far on this site seem so unfair to the users. Synchrony Bank is one messed up bank. They will provide mostly low limit cards, and then screw with you when you use it, or never use it. With that said I just became a new Verizon customer, and opted for the Synchrony Verizon Visa, targeted to customers only. My God, it is beautiful, solid heavy Black Metal, FedEx brings it to you, you are supposed to follow the Video link on how to unbox this incredible offering. Plus they had no problem with a $6000 limit, most of my Synchrony cards are under $1000. Did I mention the Verizon Visa offers 4% off Gas, and 4% off of Groceries and Restaurants including Fast Food. Plus 2% off your Verizon bill, and 1% off everything else. Also a $100 bonus paid over 24 months. I will never apply for another Synchrony Bank product again, what they do is criminal, but this Card is outrageous!

Don't waste your time with Synchrony. I had an Amazon credit card for almost 4 years with no issues until recently. I've never missed a payment and I use the card regularly. My credit score has improved. My financial situation hasn't changed. I haven't made any big purchases. But for some reason, they decided to cut my limit to less than half of what I've had for 4 years. I called and there's nothing they can do. They decreased my limit to basically my balance so now my credit report looks like I have a maxed out card. This is apparently common with Synchrony. Do NOT apply for any store cards backed by Synchrony!

I am experiencing the same as all of you above and believe it time to do something as a whole to stop their fraudulent criminal escapades. We need to stick together and sue them for everything they have done criminally. I am done with them and I will see how successful I am in moving my balance to a reliable credit card. I will let you all know but right now I am pissed off and if my credit is affected with do what is necessary to further proceed with getting the big guys onto their scam. Enough is enough! No star rating as all of you, it's rather comical we are forced to leave one star to submit a review.

My credit score is over 800...and in all my many years of having credit cards I have NEVER had a bank lower my credit limit. This bank has now done it to me twice - once with Amazon's card and once with PayPal credit. I will NEVER use the cards and NEVER open another account with them. When I called - upset - their attitude could not have been worse. What a crappy organization.

I was under the impression I had 0% financing on the balance and had no idea interest would accrue from the day it started if I didn't pay it off by a certain date. I was hit with over 500 dollars interest and was just 2 weeks late on paying off my balance and asked them since balance is paid off and only 2 weeks late can they help me because of the misunderstanding. They refused to help me in any way even though my payments are all on time. Bloodsucking, I thought interest deferred loans were banned in 2009. Reputable companies don't use them anymore because they are deceptive and wrong.

A customer purchased $1493.72 in merchandise and signed for it in good condition. Two months later she told Synchrony the bed ($587.65) was damaged when she opened. They refunded the entire amount and won't call me back.