Synchrony Financial Reviews

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.

Went on CareCredit and chose the Prequalify option- it states “see if you prequalify without impacting your credit score”. Long story short, after inputting my information a message comes up & says I need to call, which I do. The lady tells me they need to verify my identity before I can continue with the process. She says I need to go to verify.syf.com. I do, I follow the procedures & when I get to the part about taking a picture of the barcode on my DL it’s blurry & every attempt I made I was told it wouldn’t process.

I had a Lowe’s card through Synchrony Bank. I ordered a big ticket item through the card, an item that never arrived. Synchrony kept sending me bills even though I called them and told them I had not received the item. I officially opened a dispute, yet they continued to bill me, adding late fees and interest. I was in contact with them more than 10 times to resolve this issue. Rather than resolve it, they reported me to the credit bureau for not paying for an item that I never had possession of, negatively impacting my credit score.

I'm going to keep it simple and plain. Stay away from this "bank". For some ungodly reason, it takes 2 weeks for any payments to post to your account. I thought that this was something that usually happens to a new customer to establish trust but no. I have been with the bank for over a year now. My current payment was made 10 days ago and I am STILL waiting for it to show up on my balance.

I have a positive account balance on their site, but they refuse to send me a check unless I send them a hard copy via snail mail of my bank statement showing the payment cleared my bank (again, even though it shows on their site). I've reported them to our state's attorney general. When on a call with them, they would not help me speak to the escalations department, and their phone system is set up to funnel customers away from speaking to real people. They are not set up to serve the customer.

I got a "zero interest for 18 months" deal on my new AC system through Synchrony. When I logged onto my account for the first time I found Synchrony had assessed a $29 "activation fee" on my account. I could have charged the AC unit on an existing credit card and then paid it off; I would have been better off doing that than paying the "activation fee." When I called to politely ask that the fee be removed the rep refused. She'd obviously had dealt with similar requests before because I could tell she was reading off a prepared script. In other words, Synchrony knows that their customers don't like the "activation fee," but they just don't care.

I would love to know what MBA was hired to help Chevron transition to Synchrony credit card services. When they made the switch nothing works, the service is horrible, you can't update info on their website if your phone number changes, they put you through hell to verify yourself again, then their system still won't recognize. Bottom line, I don't believe this is a one off based on the horrible reviews I have found - message to Chevron - your gas is the same as everyone else (which means you have to compete on service) and you're losing this battle!

Synchrony Bank recently renewed my CD without sending me a renewal reminder. I called them and spoke to their manager Kevin. I asked Kevin to close the CD and place the balance into a savings account. He flatly refused unless I would pay a $500 early withdrawal penalty. They offer great interest rates but their deceptive practices make them a poor choice for banking especially for seniors like myself.

First- do not do business with Synchrony. Second- you do not get a customer service representative that has a very good understanding of the English language, then when you ask to speak to a supervisor, they put you on hold forever and you end up hanging up. Trying to explain a problem does not work to your benefit either in written or verbal format. We had a problem with a payment we made early when we were going out of town for an extended period (Shame on me. No good deed goes unpunished.). Synchrony failed to credit the payment as one of our regular monthly payments, I guess they thought we were just sending them money for the fun of it. Then they charged us a late fee and interest. Discussed with a representative (obviously did not understand what I was talking about) because they gave us a credit.

I have had several credit cards managed by Synchrony Financial for several years and have just now read the reviews. Wish I had read the reviews before. Apparently they have the right to reduce and/or close your account arbitrarily due to their credit scoring system. This system gives no warning and can cause your account to be over the limit and they do not care. I have noticed many that say they are managing their account correctly, but the practices of Synchrony cause their account to appear as if they are not. Why would a financial institution want to purposely damage a customer's credit? Bad business practice.

This is the worst company to obtain credit with. They will ruin your credit. The pathetic institution gave me a high credit limit. I pay on time and pay off each balance quickly. They lowered my credit limit causing my credit to decline. DO NOT GET AN ACCOUNT WITH THIS RIDICULOUS PLACE. YOU HAVE BEEN WARNED. They are in financial trouble.

I opened 15 month CD a month ago. I then wanted to access my account online. That was impossible because they verify the identity by calling or sending the code to the phone numbers obtained from Public Records. There are my old numbers either non-existing or from my old employer. I called Bank twice that I cannot register online. I was told that I will receive an "override" by mail, but the month passed and I did not receive any. Today I was told the same and also that the bank can only send letters twice a week due to Covid !!! And that many customers have the same issue because most of the cell phones are not in Public Records. Bank has my recent cell phone number which they wanted while opening my CD over that very phone. But they cannot add it to their records once they got my money. That system is archaic and user-unfriendly.

No matter how hard you're trying to fix your credit, you pay on time, you do what you're supposed to do, you try to use your card and it shows you the charges have been put on your card and then you call and they tell you, "No ma'am we decreased your credit limit to $250." What do I need your card for a card for I had $500? So therefore this card will be cut up and thrown in the trash. Do not use this company. Pick Capital One.

Have two cards and Synchrony is destroying my credit by decreasing my credit line, for no reason. I'm being responsible by not foolish spending and paying the credit card down. They say I have been paying on time but, decreasing my limit at the same. Mix messages, so do not get a card with Synchrony, if you want to keep improving your credit score!!!! Then they will tell you to call the credit bureau to see if they can help you knowing they has nothing to do with their policy of the company.

This bank services my loan for an instrument. I set up auto pay when making my first payment and got a confirmation email. Not true, called when it never occurred. They said I must set it up separately even though they sent an email saying it would occur. Website down often. I believe they are trying to trick me into paying interest (2 years are interest free) by making it very difficult to make payments. I have never had any problems making a payment on an account before. My auto pay was set up for the 11th yesterday and hasn't come out of my bank account yet. I do not trust them at all and recommend avoiding them. I have banked in many places before and have a mortgage and an 800+ credit score, this bank is scummy and I am going to be very careful with this account and pay it off early.

One of the most ridiculous places I've ever witnessed. Their support is the worst I've ever experienced. I paid off my account with a Cashier's Check - simple right? Well... I then got a noticed that someone opened a dispute on my account for a missing check. I NEVER initiated the dispute - and their support just kept telling me I was the one to open it. Okay, I got to the bank and get an exact photocopy of the Cashier Check. The copy shows that Synchrony Bank stamped the back of the check and deposited it into their bank. I submit that as proof... clear as day that they clearly accepted it, stamped it, and deposited. They respond by saying it was not valid enough proof to prove the payment was made. I am not sure how it gets more valid than a photo of the actual check with their signature on it.

I was paying my TJX Rewards credit card bill online in the amount of $1k and was erroneously charged $10k. Synchrony Financial provides financing for TJX's Rewards Credit Card program in the U.S so TJX Rewards card is Synchrony. After endless calls to customer service and promises to send me my check for the balance, they failed to send my money back. This institution is fraudulent. Customer service is offensively incompetent and rude. I strongly encourage you to STAY AWAY from them!!!

There are many issues with Synchrony online savings bank. I just found out there is a limit of $100,000 transfer where they put a hold on any transfers for 30 days. There is also a daily limit of $25,000 on transfers. Also, CDs auto renew and there is no way online to specify you don't want auto renewal. You have to actually call 30 days before to not have it auto renew. It is basically a way to keep you locked in to Synchrony.

Had a Lowe's credit card and Care Credit Card both issued by Synchrony bank. Just out of the blue one day they cancel my cards (they said my credit score went down and they have a right to do this). This was after I used it at the dentist. On the Care Credit Card I used at my dentist I needed emergency dental work. 3 Teeth were cracked and front 2 were broken off. Dentist charged the card for the whole amount of $3600 in March 2021 and stated with care credit we have them pay the full amount upfront. I was told before leaving that The (my) dentist had retired I thought he was off that day. And was told it would be billed to the dentist that helped me get things in place, to put 3 crowns on my teeth the next visit. They never called me to tell me my new crowns were ready. I called them 1x a week for I believe 4 months nothing.

Horrible customer service for ANY of their cards, kinda sad assuming they rule the CC market now. I have a Sam's Club Mastercard and used it once for the 50 rebate. Come to find out they take it from the card? Signed up for the 50 dollar gift card and free, membership and no annual fee. Nothing says you're charged for all of those?? So I pay it off, card gets stolen, try and dispute charges for fraud, I CANNOT dispute ANYTHING AT ALL, they provide me with prov. credit! Wow so nice of them, 2 days later, it was found in consumer's favor. 10+ HRS ON PHONE WITH THEM?? All to dispute 2K in charges.

They claim if your card is stolen you have 0 liability. LIES, LIES, LIES. My card was stolen,, even had a police report to prove it. They made me pay the Fraudulent charges or they would turn it in to my credit bureau.

Synchrony Bank and their assorted credit cards - unfortunately also associated with the Amazon Prime card - is the worst financial institution I have had the displeasure of doing business with. I'm not a disgruntled customer that owes them money, I'm a disgruntled customer who has had absolutely no luck with their customer service or with payment disputes. I am still waiting, as of 2/11/2022, for a chargeback to show to my account that the merchant processed on January 31st, 2022. Their websites are a nightmare of popup chat boxes and surveys. Will I use you again? No. Will I recommend you to a friend? No. I might recommend you to an enemy, though. There are much better credit offers, much better banks out there. Do some research and look at their reviews - Synchrony is terrible.

Synchrony Bank is not a very good lender to do business with. They close accounts and reduce credit limits without notice or reason. I have two cards with them. One paid off with a zero balance and the other with a balance. I was paying my bill early and they would still charged me a late fee even though the payment was made before my due date so every payment that would have lowered my balance they would add a late fee in the same amount as my payment. Then they lowered my credit limit. My JCPenney card has been paid off for months and I stopped using it because of what they was doing with my payments so they closed my account and tried to say I was late 5 times on my payments when the payments actually was made on or before the due date.

First of all their billing cycle is completely different than any other issuer. 38 day? You have a date due for payment & 8 days later the closing date which makes it difficult to manage your spending. Second, the phone number for customer service is in very fine & faint print along an edge of the card. It’s so difficult to read, I misdialed four times before I got it right. I’ve had previous issues with this private placement card issuer in the past & it seems to continue. I think Verizon should find another issuer of their branded credit card to avoid being identified with this odd & mediocre bank.

I have had Care Credit with Synchrony Bank for a couple years now to help pay for eye glasses and dental procedures. The things my insurance doesn't cover....which is a lot. I was making my care credit payments, and all my credit card payments on time and usually double the minimum amounts. I had my card paid halfway down and was planning to use it on another expensive dental procedure, when they decided to reduce my limit without so much as a warning.

As others have mentioned, Synchrony will close your account without notice. I've had an account open for several years that was just closed without my knowledge. I have an upcoming procedure and will have to reapply now. This will impact my credit score since my credit will be ran again and it'll show up as a new account on my credit report for the next year. I understand reviewing accounts for non-usage after a certain time period but there needs to be some type of notification sent by Synchrony as a courtesy.

I am a disabled senior and live off of the interest I get from my savings. I opened 2 large CDs a few months ago and was told after I opened them that they changed their policy about sending me my monthly interest. I now had to call them every month and request it. I waited 2 months so I could accrue enough to warrant them sending out a check and was going to use the money pay expenses when I traveled to a hospital in another state. When I called they put me through the 3rd degree with security, which I did not mind, but the lady then told me to get my CDs are read information off of them to her. When I protested she locked down my accounts. She told me the only way I could get them opened again was to get a cell phone and take a one minute video of myself and send it to her.

I had 6 CDs laddered with Synchrony. They automatically renewed one for 5 years without my approval. I did not receive a notice that it was maturing, and after 5 years, it's easy to forget. Every other bank I deal with sends a notice a month in advance. The cost of closing it 2 days after the grace period was over $400. Needless to say, I've closed every other account as they mature. I would have renewed it for 12 months, but not 5 years at the current rates. As I've closed the other accounts I had to do it by phone, and it took at least 10-15 minutes, mostly on hold. I would never do business with them again. Customer service is not in their vocabulary.

So I have retail cards like Sams Club, Care Credit, HSN and others. First I have never been late on a payment. I also pay off these cards every year and mainly use around holidays. I pay off Jan and Feb. I was in process of buying a home when all of a sudden they without notice reduced or closed accounts stating after a review of credit. I had a good credit score til they started this and I have taken a hit because of them. No notice they just started closing. Trust me do not finance anything thru this company. They are unethical and really should be shut down. After reading other reviews I found it’s not just happening to me. I am turning them in to my state regarding their actions. DO NOT FINANCE thru them. They are slime!!

Customer service especially at Sam's Club stores. In store Customer service computer and website is horrible, is not fully updated and causing technical issues and error in Customers' accounts. My account got errors and technical issues and feel like I'm getting over charge and auto pay went off cause me be over due when I didn't know at all and I am not happy about all of this at all. Do your job right and so on. Scared and nervous and worried about of this.

Synchrony Bank without notice closed my ABC account on 12/5/21. The account has been active since 2008 with an excellent history. With the recent Pandemic I have not used the card regularly over the last two years; however, was planning to use in the next month. I called on Synchrony Bank on 12/28 when reviewing my credit wise and credit karma accounts, since my available credit decreased. I have three accounts with Synchrony Bank, ABC, Lowe's, Discount Tire. All have exceptional history. They did the same thing with my Discount Tire account, and I reopened the line.

Even though they deserve the right to closed your account they offered me a $7000 credit limit on my account I used several times you to $3000 and paid off this amount 5 years ago. I have a record with charter 13 through the Florida courts are everything was paid for. I restructure my credit and today I own a home. I have put my daughter and son through school and my account are up to date. My son have a vehicular accident. I am going to used my account. They have closed it with any notification or a call. This bank if you fell behind in your payment send you text or email you to remaining you if a payment is due but to closed the account no one call you to let you know your account is closed or going to be closed. That is ok.

Synchrony Financial is responsible for the promotional financing of a new Rheem hvac unit we had installed in August. We went through the credit approval process, were approved and made our purchase. There was never any clear communication or paperwork to show what the monthly (interest free) installments would be. In order not to miss a payment I established an online account and set up auto pay.

I have been a customer for years. Before traveling overseas always inform the bank departure and arrival date. This time they ignored and decline payment when I was at a clinic for health procedure. I was bounced through several CD departments, put on hold indefinitely (mind those are international calls). They demand facial recognization and a photo of my DL (a file with the pic ID on my Cloud was not accepted). Had to leave the facility. Go back to the hotel. Get the DL, call CS. Provide them with a number sent via text (another roaming charge). I was told it was clear to be used. Just for a few days later have the card declined again. Done with this **. Don’t want anything from Synchrony Bank again and they are giving Mastercard a bad name.

I have good credit 740-780 make over 200k a year. I had a 5k limit on the Amazon store card. Synchrony performed a random review of my credit and dropped my limit to $3830 without any notice and right before the holidays. Now my credit is going to take a hit because of this... Will never use this card and again and will close the account when I get another 5k card. Amazon this is the type of company you are partnered with. Shady AF!!!

Was not notified by Fraud account was taken out of dispute and payments resumed so missed 2 payments. They said they would remove them if I brought it current but no one takes notes of the calls and they can't warm transfer. You get cold transferred back and forth between departments and can't talk to a manager. Worst company ever. They also don't believe your card getting stolen is fraud.

I used the Amazon Synchrony card for over a year, no issues. I got the reward points promised to me and never connected with their customer service. All was good. Until my bank (BBVA) got bought out by PNC Bank. When the merger happened, it caused an issue of a payment being returned, not to do with non-sufficient funds. As soon as we found this, we paid the balance through another bank to a zero balance. They closed my account due to the returned payment. They closed the account with a zero balance. They also closed the account with THOUSANDS of dollars in reward points to use on Amazon.

Absolutely garbage fraud detection on their Premier Mastercard (false positives)! I've had my account frozen 7+ times within 6 months of opening the account for typical purchases. Order a couple of times from Door Dash. Blocked. Order a 6 dollar meal on a flight. Blocked. Take an Uber ride and try to leave a tip. You guessed it, blocked again! This card is not worth the hassle for mediocre rewards.

I have about 4 store cards through Synchrony. I have never missed a payment. Well in January, I purchased a house and ever since then, they keep cutting my credit limits. This has caused my credit score to plummet from the high 600s to just below 500. Anytime I get ahead, they lower another limit which makes me look like I’m leaving my cards maxed out. I am very frustrated with them, and will gladly close out the cards as soon as they are paid off. Zero stars.

Had many accounts with several retailers and never been late on any accounts. Apparently Synchrony hasn’t practice where they randomly pull your credit score and reduce you credit effecting utilization and credit score. While this may been a lawful practice it definitely unethical and it has terminated many of my relationships with companies like Chevron, Amazon, Crate and Barrel just to name a few. I refused to do any business with any companies associated with Synchrony Financial. I really wish I could give zero stars.

I would like to put the disclaimer out there that I have 4 sperate Synchrony credit cards and have had no problem at all with them and I am able to track my account online however, with the Powersports Financing Based in Orlando, FL they are HORRIBLE and need to get into the 21st century, they do not have any way for consumers to log into their accounts to see what is going on with the account, also last month was my first payment with the payment due on the 1st, well my bank sent the payment out on the first and Synchrony received it on the 3rd and these folks charged me a $39 late fee with no grace period what so ever this is a stupid way to operate a business. I just want to know how they stay in business if this is their credo. I will say this as soon as I am able to refi the items, I purchased I will and will not do business with this part of Synchrony again.

I opened my first card through Synchrony Bank in 2019 through a 0% financing deal at a certain furniture store. I did everything right. Made my payments on time. Last month they started closing all my accounts and in turn damaged my credit score tremendously due to the high credit limits held with them. I tried contacting customer service. I waited to speak to a real person without success. Finally got into contact with someone through online chat and they simply stated that my account was closed and could not be reopened. They said they couldn’t give me a specific reason even though they are the ones who closed my account. I would not recommend having a card with their bank and if you do, tread very lightly. Definitely don’t have multiple.

My husband and I are in our 70s and retired. My husband takes care of paying the bills. Recently, he missed a payment on one of our Synchrony cards. We agreed to let them cancel that card in order to set up a payment plan. Most of our credit cards are with synchrony and are all current with no past due amounts ever. Yesterday, I had a Stent placed due to blockage in an artery. I had counted on my credit cards to help pay for necessities so that I can pay the high cost of blood thinners that I will need to keep the Stent from becoming blocked. Our income is too high for assistance, but with inflation it's not enough to make ends meet. When I arrived home, to my surprise they had decreased the limit on all of my credit cards to the amount that I owe. That's what I call kicking people when they are down.

I applied and received a Midas card after needing repairs to a vehicle while on a trip. I decided after that I would use it as a gas card and pay it off every month, which I did, every month. Went to put gas in my car one day and the transaction was declined. Looked on the site and found that my account was closed. They didn't even bother calling, texting, emailing, or sending a letter. I called and was told that they felt I was not financially responsible enough to have their card... Really? Paid up every month... credit report didn't change. Hey Thanks for the heads up at least right. Will never apply for one of their cards again.

I tried to get financed from Synchrony but they couldn't provide proper service for that. Their call center is trash. No one can ever help you so I gave up waiting on their approval letter and forgot about them. However after 2 months Synchrony bank sent me a letter that they erroneously mailed my PII (name, address and SSN) to a different person. It took them more than a month to acknowledge the breach despite the fact that I was calling them about my application every other day. After I called the bank regarding the breach they told me that I should deal with my PII breach myself using free "Experian" credit monitoring services. They refused providing me credit monitoring services at their cost insisting that I must use "Experian" or nothing else. They don't reply my emails and their customer support over the phone is horrible. I am experiencing increased volume of scam calls as well.

Ridiculous add-on fees, horrible customer service, and now after 2 years of not even wanting this card, they canceled me as a customer saying they ran a random credit check and my credit score which is average isn't good enough to keep their stupid card. They did me the biggest favor...but I just haven't had time to get around to canceling.

We bought some furniture from La-Z-Boy, but I cringed when I saw who their credit was through. This might be the worse credit institution ever. I have been trying for OVER 1 week to just activate their credit card, which I have to do to create an account. Call number to activate and it says have to talk to a "representative". Have been on hold for hours never getting through. Easy to see why they have a one star review average. You have to really be bad to have one star. My guess it would less than that if you could put 0 stars. Stay away from this group if you can.

I contacted them in reference to never having received my card even though it has been a almost a year and I've made numerous request for an actual card. Not only did the representative lock me out of my online account, she never processed my payment and was very rude. I'm done with this incompetent customer service.

I received a promotional mail from this bank to open a Synchrony Premier Mastercard, spend $1000 for the first 90 days and receive $100 bonus. However, I spent over $1000 but no rewards after the 1st billing. I contacted this bank and mentioned the bonus $100, and they replied to wait for another billing cycle. I waited till the 2nd, nothing, and they said waited for another one. Now, the 3rd. When I contacted them, they said my account does not have this promotion offer. They are just lying. I would not had known this cheating bank if they had not mailed me the promotion offer. Now they refuse to give me the opening bonus. Cheater.

I have had four existing accounts that were bought or changed to Synchrony Bank. I have all four set up on autopay for months or years. in the past three months synchrony keeps sending notices that payment received and then payment reversed, I call and confirm all of my information with them they confirm it is correct in the system and I have to make four payments with my debit card. (Same account that the autopay is on) only to go through the same thing next month and next month. Once these accounts are done i will close all accounts with Synchrony Bank even though I used the department store accounts a lot.

I recommend never using this bank. After getting credit with them they say they have the rights to go through your credit report at any given time they want without your permission and cancel your accounts whenever deemed necessary. They canceled my account without any due process by illegally obtaining my credit report without my permission so I would not recommend Synchrony Bank to any individual that wants to protect their credit rating.

Argumentative, accusing customer service agents. Will make negative changes to your account without notification to the customer. Notifications only comes after the nasty surprise has already been sprung. Poor business tactics. Would not recommend.

Closed all my credit card accounts. 783 credit score, never missed a payment and had $ 1755 in rewards that I have been saving for a while. Oldest card was since 2013. After closing my accounts the rewards are no longer there. Buyer beware.

I had surgery in June and have no excuse why I missed ONE payment, I just did. They HARASSED me, even calling especially on Sunday. I have been a customer in good standing for 4 years. My credit line was dropped to 270.00, I paid over 5,000.00 and am rid of them (Synchrony bank) prior to them dropping my credit. Goodbye QVC...hello HSN! Do not do business with them.

I have been a Synchrony Bank cardholder since 2014. I have never made a late payment, have always paid well over the minimum payment EVERY month. I have received credit line increases. My current credit score is 790, have reduced my balance 25% in the past year. My overall credit utilization is 18%, yet my interest rate is 22.90%. I phoned Synchrony Bank to ask for an interest rate deduction and they refuse to do so. If this company does not help those with Excellent Credit, I can't imagine what they do to those with less than perfect credit. I will never use this bank again, unless I can do zero percent financing in which they won't make money off of me. Avoid Synchrony!

You should never open an account with this bank. You will have nightmares when it comes to payments. They will process a payment and never update your account balance. Then when you go check, you will be under the impression that since the payment has been processed and withdrawn from your account, you actually still owe the balance that is shown. Needless to say, you have now overpaid your account and they will not initiate a refund to your bank, they will only send you a check with the usual 10 business day turnaround time.

** Synchrony and its affiliates**. My credit score was once on its way to VERY GOOD. I had 5-6 affiliate accounts with Synchrony, all between 30-35% usage. That was until one of my credit cards outside Synchrony went $1000 close to the limit (because of charges I had to make due to COVID & being out of work), Synchrony decided to reduce my available credit on all of their affiliate credit cards I had through them. This made my credit score drop immensely. But the icing on the cake was when they reduced my available credit to where my balance was within $20-$50 of the new limit. I was NEVER late making payments nor ever delinquent. Now, I'm stuck with a crap credit score and with lenders inferring that I charged all of my credit cards to the limit.

Synchrony Bank have the absolute worst practices. I had Synchrony ABT account and they closed it with no warning simply because I had a high credit usage. I have paid all of my accounts off on time for 5 years straight and now is below 30% usage. It disgusts me that they would do something like this. I make more than $200k annually. It’s clear that I’m not a high risk. I just want to say that I will never do business with them again. This hurts my credit score.

I appreciate the assistance for clearing/closing my account and zero the balance, but going through online servicing and requesting to speak to a representative is not the easiest. The problem has always been to get access to make the payments online or wanting to speak with a representative wasn't the easy. She was able to close the account, but I still have not received an email for showing the zero balance and account being closed.

I got the Synchrony bank Visa card via Amazon. They charged me a $29 late fee on 2 occasions even though my bank showed they received my payments 3-4 days prior to the due dates. When called, their answering machine would tell you that if payments are not received at least 7 days prior to the due dates, you will be charged a late fee. Who does that??? No one. Just they. Had I not check my statement online, I would not have found out about the late charge. They agreed to reverse all the late fees, but the practice is just wrong.

Synchrony bank CLOSED my card without permission TWICE and I never missed a payment.. paid in FULL each month. They lied to me saying I had NF which the bank verified I did NOT. Then Synchrony closed my account a SECOND time after reopening it, saying it was due to FRAUD??? Apparently they can close your account without notice for no good reason just because.. NEVER AGAIN will I use Synchrony AT ALL!

Literally the most rude and unprofessional customer service I’ve ever experienced anywhere. Train wreck. I’ve been locked out of my online account for God knows how long. I also have not been able to register my 2nd account. If you call you’ll be placed on hold forever - or get an ignorant CS rep that won’t help you. The only way I’ve been able to pay is as a guest - so stupid. Then if I get locked out I get late fees. Get your CSRs trained and under control! Stay away from this company!

There were no issues with my payments and in fact, I paid off a small loan early and even overpaid. The problem came when I tried to register/login. They made it nearly impossible to do so. The virtual chat and "live" chat were useless. The phone tree (once I found a number) looped around and around until I started cursing. Even then, it took several minutes to get the agent to close my account and issue a refund for my credit. Yes, 0% was great, but Synchrony makes it not worth it.

Synchrony makes it very difficult to pay on your promotional purchases through them. I was originally paying more than the minimum payment toward my account as to pay off the promotional balance so I do not incur the deferred interest. I then noticed after a few payments that anything OVER the minimum due each month does not go toward the promotional balance, but instead to the standard purchase balance if you have one. I called Synchrony to ask them about this, and after a wait of about 20 minutes I was told that the only way to have those extra funds directed toward the promotional balance is to call them, each and every time you make a payment, and tell them how to apply these funds. So you have to make a 20-30 minute phone call each month to accomplish this.

Synchrony closed my Chevron account after 3 years of never being late or going over the limit. They told me after a review they decided to close the account. This is not a company that can be relied upon and I'm happy that this is the only account I had open with them since the WMT card had been changed to Capital One. I'll be sure to never have any relationship with this bank again for the rest of my life. A terrible, ruthless company.

I keep trying to login to website and after 1st attempt with correct login I get an alert that account is locked. When I hit forgot password and I enter my info it it tells me I’m not recognized. So I try to register it says I’m in the system already. I will not continue using a credit card that makes it impossible to use their site. Fortunately I have a 0 balance and intend to keep it that way. I will never use this card or bank again.

The worst customer service I've ever seen in a bank. They randomly start blocking charges, and make no attempt to contact the customer. Not by email, or phone, or text. On calling them to clear up the problem, there are long hold times. Then rude staff most of whom barely speak English, and don't follow through on what they say they'll do. Sadistic treatment really. They promised me 2% cashback, but there's no way to use the card if every few days they start blocking it on suspicion of nothing which makes sense -- small charges at local stores.

** Synchrony and its affiliates. Now, my credit has never been perfect and I'm not pretending like I've had a perfect payment record. I have 2 accounts with them and they've reduced my available credit on both which I never understood. Had maybe 1 or 2 late payments but was NEVER delinquent by more than a couple days. Not a year late, not six months late, not even a week! Anyway look, I understand Late fees...ok...fine, part of the game. But the icing on the cake for me is when they reduce my available credit credit to where my balance is within $20-$50 of my limit. I make my payment (minimum...sorry for being a cheapskate) and a stupid INTEREST CHARGE pushes me OVER my limit...WTF?!?!?!

Tried repeatedly to get these bozos to mail me or even email me. I have NEVER received my card. They are billing me, but I have to call my local Sleep Number for information as Synchrony has never mailed me the card or a statement, but charging me all along -- and that's fine. Bills are mine, but how can I pay timely when I don't get the ** bill? A farce of a company.

Made a purchase the end of 2020. From the very beginning I was charged over and incorrectly for my purchase. After multiple attempts to correct they again had a balance that was lower than it was supposed to be. Began the arduous task of getting this rectified. The whole time my balance fluctuated by hundreds of dollars every month as if the account was being used. The 4th and final time contacting them after waiting an hour and 10 min for a customer service rep she was not able to answer my questions and disconnected the call. My Synchrony app says all my accounts are non serviceable and I can not get any help. For your sanity sake do not deal with this company for anything. This is not an isolated incident. I seen many reports of terrible accounting issues and awful to non-existent customer service. This company needs to be held accountable for the mismanagement of people's finances and potential credit scores that could be affected.

We have had this Synchrony Account since June 2017. Most of this time things went smooth, however when trying to resolve an Auto Pay double dip into our bank account for our payment, the procedure to get a human on the phone was insanely disrespectful, inconsiderate and absolutely nerve racking. The Corporate leaders of this company have no consideration for the time, effort and energy it takes in the world we live in to stay on an automated twisted conundrum of a phone call just to accomplish 1 goal. Then to have a human finally answer the other end of the line just to read off a script and only give robotic answers as if they have no authority whatsoever to make any decisions. Quite controlling, don't you think?

After so many years with Synchrony Bank and having 5 credit cards with them without missing any payment, Synchrony Bank decided to close all my accounts without a valid reason, they only say that I am high risk, I do not understand why if I have good credit And I have never failed any payment, I just started using my credit card because I recently bought a house and I need things for my new home, what is the point of having a credit card if you cannot use it, This is totally absurd.

Never a late payment, plenty of credit availability, some cards with zero balance. They automatically closed 5 of my credit cards, ones I have had for years, stating "high risk of failure to pay". One of the cards was about to be used for recently installed carpet. Why do this? I called the evil empire called Synchrony, they said they ran a risk analysis and due to recent credit usage (getting home ready to sell) they closed the accounts. That is a far cry from "high risk of failure to pay", from someone who has never missed a payment. I asked for them to provide to me the detailed risk analysis report they performed. I was told it would have to be subpoena by an attorney.. What? When I open new cards after I sell our home, I will make sure they are not governed by Synchrony.

Where can I find a Zero star or negative Star button. No wonder there are so many 1 star reviews on this bank. I just came back from Ashley Furniture store where we applied for a finance through Synchrony. I have 800+ credit, they approved my application on the phone, but told the store guy that I cannot use it immediately and have to wait for the physical card. When asked for the reason, their team, including their managers I escalated the call to just have to say "Sir, it's for security".

I don't know about their savings or banking account, but be very wary when purchasing from other companies that finance through Synchrony. I bought a mattress from Mattress Firm last year and instead of charging to my own credit card that I pay off every month, they just "had" to charge it to a separate Synchrony account. Before I go any further, I am well aware that this is partially my fault, but I haven't been out of my own for very long as I had just graduated from college and have little to no experience in making my own large purchases.

I paid this card off in January of 2021. They closed my account without notice. My credit score is well past the required limit to qualify. I feel they closed it because I haven't used due to the interest rate. I have other cards with lower rates that I used instead..when I called their customer service department they said I had a letter in the mail. I haven't received a letter or email or phone call. This made my credit score go down. I have another card with them with a zero balance which I will close and tell them I no longer want anything to do with them. I read the reviews and apparently I'm not the only one. They just want you to keep a balance on it!

Synchrony Bank has caused me problems that I never had before by making mistakes in payment deductions on 2 of my credit or revolving accounts. They claimed that my bank refused payments on auto payment accounts that had no problems for the previous 3 years of monthly deductions. After bringing proof of the error to their attention they did nothing. They also allowed LifeLock to continue deducting $22 per month for the last 1-1/2 years after I terminated the LifeLock account, even after providing proof of the termination. As a result I’m terminating any account that uses Synchrony Bank. There are better operations I can work with instead of Synchrony.

The worst bank in the world... I will no longer be a Synchrony Bank customer. After being a loyal customer for years, they have closed all my accounts. I don't want to get more cards from synchrony...