Synchrony Financial Reviews

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...

Consistently reducing my credit limit, without ever missing a payment, and damaging my credit report. No explanation given, and never notified. This company damages people's credit history, unnecessarily.

Synchrony Bank is a great bank! They make things so easy to do all my credit needs online. If I ever have a problem or a question and I call in, the wait time to speak to somebody is never very long and the employees are always happy to help. The app is easy to navigate and I always know where I am in regards to my loans and payments. I’ve only been with Synchrony for about a year and a half and I wished I’ve been with him much longer than that! I refer all my family and friends to send Craig and that says how much I like them!

I agree with previous posts. WE CONSUMERS NEED TO ORGANIZE AND BOYCOTT ANY CREDIT CARDS THIS COMPANY/BANK OFFERS! They have ruined people's lives and credit with their predatory practices! They close credit card accounts that are in good standing now and that have been for many years for non reason .. Or for non usage. Or they lower the credit limit on established/existing cards - again in good standing - from $4,000- $5,000 to ridiculously low amounts like $100 or $200 out of the blue and with no advance notice. Many of these accounts have very small or not balances and have been paid on time for many years with no issues! And there are THOUSANDS of these same complaints/reviews all over the internet going back many years! But they keep getting away with it. CONSUMER AFFAIRS! WE NEED HELP!!! THESE PREDATORS NEED TO BE STOPPED AND PUT OUT OF BUSINESS!

I recently had occasion to apply for credit At Lowe's to purchase a refrigerator during a special promotion. Lowes runs their credit thru Synchrony. I have a credit rating in the 800s. They would not give an immediate ok to my application which was a mystery to me. They said they would check into my credit and give a response in 7-10 days. I might add I had a similar problem when I tried to purchase tires at Discount Tire on a tire promotion.

The bank gives you High interest rate, but always qualified for a card regardless of bad credit. It can help you pay for gas, furniture or even car repairs. In the same sense it can hurt you if you don’t know how to use it.

I am pleased to have multiple accounts with Synchrony which makes it helpful when transacting with one specific account (i.e. Amazon). To establish credit was extremely easy and making payments is as well. To date I have not had an issue with any of my Synchrony accounts and recommend this institution to others.

Whatever you do, DON'T ever use any Synchrony affiliated credit cards. I've been lied to by foreign representatives. Treated rudely and without respect by them, while I, personally am ALWAYS polite and friendly, even when unhappy with something. The company farmed its service department out to the other side of the globe, while American citizens were out of work during COVID-19. Then, SYNBK aggressively canceled customer's credit cards who paid their bills on time. Lowered customer's available credit balances for no reason without warning- who does this? Raised APR% on customers with no balances, low balances, and 0% interest for short-terms, only to find their bills raising suddenly upon using the card. Next, those coming off of 0% interest or others with previous special interest rates and promotions, instantly found themselves with canceled cards, again- for no reason.

The representatives are very knowledgeable. They are very pleasant to talk to & very polite. They also take the time to make sure you are completely satisfied & may I assist you with anything else is a question they always ask.

It make my money and me feel safe to know that someone is helping me to keep the scammer away from taking people money. Online banking is the best thing from today sale. That way you know what you getting what you ordering.

Financially Speaking, Synchrony Posts Payments on Time and Sends out Statements Timely- However, Their Website is Confusing and it extremely difficult to make sure you still receive paper Statements if you still need one for your accountants - it is also difficult to navigate to print certain aspects of your own profile. This is Why I gave it a 3 rating.

For 2 years I paid my credit card thru this bank. I never missed a single payment. They raised my interest rate from 16% to 23%. If I would of not read my statement I would not have known the increase. There was no statement given as to why the increase happened.

Hello my name is Spiros. 2019 I make a purchase for $2.700. After all this happened to world (COVID-19) I forgot the I have to pay off on 18 months. I had set up auto payment and 18 months after they charge me for $1.100. I call them and a begging for delete the amount, unfortunately they were so aggressive Like they want to punish me. For God sake $1.100. Please can you help me out with this case? Thanks.

They are very accommodating. When Covid hit hard, they were very flexible with payment options. We were very pleased with the customer service and the representatives. We still have two open accounts with the bank and hope to continue to have a favorable relationship with them.

My PayPal card is with this firm. They have good service. Easy to understand the website and activity display. I happened to have a dispute about a purchase and they are working on it. I think Synchrony is mighty good. Thanks.

The Synchrony Paypal Mastercard will not pay me about $100 in cashback because I do not have the same Paypal account. They are making up things not in the terms of agreement just to keep the money. The agreement states that you must have an active Paypal account in good standing and I do. It is just a different Paypal account because the other is closed and cannot be reopened. The terms of agreement only states you must have a Paypal account in good standing...which I do! Nowhere does it say it has to be the same account, They are making up a reason not to pay. Shame on Synchrony Bank...ripoff

I have multiple credit cards with Synchrony Bank. The Discount tire care card account was closed without warning even though paid on time. I blame Synchrony not the companies that use them for this poor business practice. First of all the interest rates are higher with Synchrony Bank Credit Cards than most other credit card companies. If Synchrony Bank is distributing the Credit Card.. Run because closing an account without warning causes your credit score to suffer even more. The Synchrony Bank Credit Card practice needs to change. Their practice is to continuously check your credit score even though you pay them on time with their existing accounts and make decisions. I have not been late with payments and have even paid balances out early. I will not obtain another credit card from Synchrony Bank.

I attempted to arrange an electronic transfer of funds from my bank to their bank. I was told they had no routing number because they were not that kind of a bank. When I tried to arrange to pay by cashier's check I was told that it was not a check and to pay by personal check. Given how easily personal checks can be rewritten I argued that it was better to send them a cashier's check. Again I was told it was not a check. Talking to the customer service person was like talking English to an alien being, perhaps the Borg of Star Trek, Next Generation. I asked if I could have the Post Office validate that my personal check had arrived. I was told that there no human being is there where the mail is processed so no one could sign for it. According to the Post office my cashier's check reached them yesterday at 11:50 a.m. I left instructions to cancel my account. I have decided not to be an Amazon customer.

Had a problem from the beginning, I sent a check for $3000, $400 and $300. My mistake on the $3000 check, should have been the $300, too late to stop payment. Called Syncb. Checks processed, syncb ask me for copies. Went to my bank and my bank faxed the required information. Next statement all was well and sent me a refund. Lost credit card and called syncb, after 1 week if card was not found will close account. Called and the avatar said I owed $3700. Talked to syncb and said it must be fraud...Asked for replacement statement as I did not receive April/May billing. Was not fraud. It was syncb rebilling me for January credit.

I had 3 credit lines with Synchrony Financial. Synchrony closes accounts with balances without warning, even though bills are paid on time every month. I received notice only after it was done. Cost me 35 points on my credit score. Will never do business with Synchrony Financial again.

This company doesn't even deserve 1 star. I opened an Amazon Credit Card in February 2021, set up the automated monthly payment, first monthly payment in March was processed correctly, the next month (April) my payment was rejected 4 times. I called my bank to see what was going on, my bank had NEVER received the payment request from Synchrony, when I reached out to Synchrony bank to see why they were rejecting the payments they stated my bank account number was wrong. I confirmed my bank account information several time (the numbers were all the same) and magically the payment was processed. Then for two weeks all of my Amazon orders placed on the synchrony card were declined without any notification.

Twice now in the last two years, I have made the mistake of purchasing from a store who used these guys for the credit line. First time with Sam's Club this time with rooms to go. And both instances, for no good reason, they have lowered my spending limit and harmed my credit score. Both times my credit score had not changed and I have made every payment on time and have paid more than being minimum due amount. Both times when I called they gave me ** generic answers and when all said and done no willingness to fix things. I closed my account with Sam's Club because of it, and I will soon be paying off and closing my account with rooms to go. I will never buy from anyone who uses these guys.

Here is my experience with Synchrony Bank: I've had a Sam's Club Credit Card with them for years and then two years ago out of the blue they decrease my credit limit on it leaving me with like $30 in available credit. I have always paid my account in full from time to time and more than once. I called customer service about it because I never received a letter as to why so they inform me one of the reasons was because I didn't make a bigger payment than the minimum for up to 6 months.

I didn't think much of it a couple of weeks ago when I tried to close a CARE Credit account and could not access my account on-line. Since I had paid the loan off early, I thought maybe they had closed it automatically. I contacted the Synchrony Bank and the person said they couldn't explain why, but they have sent paperwork out to me.

I opened an Ashley Furniture card in November. I made 2 purchases (1 November and 1 in December). I had made a couple of payments. In February, I made a mistake in my payment... I intended to pay $75 but paid the full balance. I tried to get it reversed, I was told that it would take 2-3 weeks to reverse. By that time I would have already gotten paid. So I left it alone. After my account was paid in full, I got a letter stating that I owed $196 for a purchase that was made possibly 3 months prior because I did not make any charges in February. I know that I was already charged and when I made my first call, and I was told there was nothing on the account. I followed up after a few days and there the charge was. I disputed the claim. 3 months later, the charge was back on the card. I paid the card and closed the account. I would recommend this card. If you do get the card, pay careful attention to your charges.

I have Care Credit, At Home and TJX Companies for credit cards with Synchrony. This company is predatory and in my opinion needs a class action suit started against it for:

They closed my account while I was making the requested monthly payment during Covid. They are now saying my payments were late and I owe them more than half of my balance in late fees. I paid from the statement balance on my account every month from online platform. According to them I should have checked statement online. Why would I do that when the payment was visibly clear on the statement I got online when I knew there would be no change if account was closed. What could change if account was closed. Unbeknownst to me they were charging interest on late fees. Nice gimmick if you can get away with it. I am going to fight this in court if need be so they can never take advantage of the public like this again.

I loved them when I needed tires for my truck. Got the credit. I paid them every month. When I started making bigger payments to avoid interest charges that's when they cut me off saying I had a low credit score. Before that they kept trying to get me to let them run a credit search to get more credit to me. I told them I was fine. Didn't need more credit. I think they did one without my permission and cut me off. Don't be a fool. Don't open a account. It lowered my score even more when they closed it.???

UPDATED 6/6/2021: I had 6 accounts with Synchrony bank, 1 Amazon, 2 PayPal, 2 Sam's Club and 1 Ashley Furniture. They closed all and had no reason. I always paid before due date and more than the minimum, closed because they could. My credit score is in the mid 700's. One letter they sent said (no delinquencies found). I have other credit cards Discover, Capital One, American Express, but the inconvenience of this is far-reaching. I applied for a Chase Amazon and was denied. I don't understand why they would have done something to hurt my credit that I have worked so hard for.

I have a Sam's SYNCB card my husband opened, therefore, I am unable to talk to them because even though I'm on the account, he is the "owner". I always pay the full amount ahead of time, this time I sent a check (as usual) for $6874.63 to cover the amount. It was cashed by them on April 14, 2021 well before our due date. It never got posted. On April 11, 2021 (the same day I mailed the check), they posted $250.00 to our account. We made several calls telling them that is not our money, it belongs to someone else. They claimed perhaps someone else made a payment on our behalf....in the meantime, there is no cancelled check because they took it out of my account electronically. I faxed them a letter with my bank statement, sent them a certified letter today with the same. I get an email (addressed to my husband) that they want a letter from our bank.

Don't get this card. You think you have it for emergencies. But they will cancel it and send you a letter after the fact. They canceled my wife's while she still had a balance. Affecting both of our credit scores. My card I used it almost to max and paid all payment on time or early. And was saying it for use. The closed the account stating I was a risk. But all my payments were on time and 100% paid off. Now my score dropped over 35 points cause I was a loyal person. Just to get stabbed in the back by a computer ran organization. Stupidest ** I have ever heard of.

I have 4 financial accounts with Synchrony Bank, including Sam's Club, Lowe's, Discount Tire and Ashley Home Furnishings. When requesting eBills from my bank, they are always canceled by Synchrony Bank. I have had no issues with any other financial institutions. I spoke with my bank and they informed me the issue was in fact canceled requests by Synchrony. I called Synchrony Bank and went through 3 tiers of customer and technical support and managers with the same response. "We don't have anything to do with eBills". NO OFFER TO HELP WAS EVER MADE. Just canned responses. Poor customer service, poor customer support, poor technical support and poor management. I am paying off and canceling all outstanding accounts (only got for the free 0% financing) with this financial institution.

I applied for Synchrony Home credit card in March of 2020. Due to the Corona Virus pandemic, I was unable to utilize the card due lack of products in retail stores. March of 2021, my card was canceled due to inactivity and no notification was given at all. I've also had issues with Synchrony when they were covering Walmart department stores. My credit line was drastically decreased for unknown reasons. This financial institution is very inconsiderate and unprofessional. I do not recommend Synchrony for anyone.

I got the Synchrony Bank credit card as an Ashley's Store Credit card upon purchase of our sofa. I pay my bills double every payday. However incase you forget on the day of payment and pay the next morning, you already find that Synchrony already charged you a late fee of $39 dollars on the same day of payment. What kind of business is this. They don't even have at least the day after to put in your payment. Especially in the middle of an economy crushing pandemic. Do yourself a favor, go buy your furniture elsewhere if you can. This synchrony/Ashley's store partnership has definitely damaged my chances of ever going back or ever going near anything that has Synchrony Bank attached. Never!

I bought a bed at Mattress Firm using them to finance 1200.00 purchase. I paid on time every month. As I paid it down, they kept lowering my credit limit, which dropped my credit score EVERY SINGLE MONTH. I made the final payment yesterday and will never use nor recommend them again.

Synchrony Bank closed my Discount Tire account, due to inactivity, and didn't even notify me. Credit Karma and the credit bureau notified me of a closed account, and that's the only way I knew about it. When tires are a purchase that only happens every few years, it's very poor service to close the account and not even notify the customer.

I had four accounts with Synchrony Bank. CareCredit, Ashley Furniture, plus 2 more. Initially, the card for the electronics was closed. I had actually never used this card, the limit was low ($1000) and I did not think much about it as I figured it was lack of use. HOWEVER, the Care Credit card came next! This credit account had initially been over $20k, was paid in full EARLY, with ZERO missed or late payments, and I have had the credit line for literally YEARS. After several years, the credit limit was dropped to $10k, as it had not been used. This was fine, it stayed that way for a long time and I figured if I needed it I would just apply for whatever amount over I needed. Then out of no where Synchrony closed the card with no notice or any valid reasoning. I eventually got a very disrespectful letter apprising me of the account closure, complained that the information included in the letter was both inaccurate and offensive... with no response at all.

This Bank owns the QVC, HSN card. NOTE: My bill is always paid in full before it's received! They did the following to my account:

Website does not allow customers to opt out of emails (confirmed by customer service rep). I had to call them up and instruct them to opt me out. Also, website told me I was logged in when I was logged out.

Received letter in mail today informing me that Synchrony Financial no longer wants to do business with me even though I owe them ZERO dollars and have been customer of theirs for many years with Credit cards always paid on time and never late payments, and also fulfilling auto loans with them on time as well. Because my credit score dropped 50 points all of a sudden my money is not good enough for them any longer. NOT A PROBLEM, neither P.C. Richard NOR Synchrony Financial will ever receive any more money from me again and I will also advise anyone I know not to do business with Synchrony and be sure to share my experience and the reasoning behind their "Logic".

I have been having trouble the last couple of years. I pay my bill when it arrives in my emails to be paid. I am then charged a late fee because they tell me I am paying too early. No matter how many phone calls I have made, I am told the same thing, that as long as I pay it without waiting for 2 to 4 days, then it screws up their statement period, and I will be charged late fees. This in no way seems fair or legal.

I have been the had fraud charges on my accounts in the past, so I check my accounts daily. Well this morning I find out that overnight my balance was lowered by almost $400. Never missed a payment. Always paid well before due date and with very few exceptions always made extra payments. Going to pay off and since they don't charge annual fees going to just let sit there. NEVER USING AGAIN.

Synchrony card is card is ASSUREDLY of no use to ANYONE seeking to maintain or improve his/her credit score... Synchrony meets the definition of predatory and messy business you don't want to be involved at any given point in your dealings. I was awarded $1500 spending limit to start with them and as soon as I used up to $266, the next day they reported it and THAT ALONE GOT My credit score dropped 22 ** points for using the card.... 22 points! Would TREMENDOUSLY RECOMMEND NOT USING ANYTHING THEY ARE DIRECTLY OR INDIRECTLY TIED TO. Bloodsuckers THEY ARE AND THAT'S WHAT YOU DON'T WANT TO DEAL WITH THESE DAYS! D.N.

Synchrony Bank automatically closed my account because of 8 months of inactivity. No warning, nothing. Just a 'nasty gram' letter. Sure, in their small print it may or may not have said they can do this at their discretion, but I'm sure they don't care that this can adversely affect one's credit rating. A forewarning letter would have been appreciated. Very poor customer service in my opinion. Thanks a lot, Synchrony Bank. Won't be doing business with you any more.

I had a horrible experience, after being on the phone over 2 hours, 1 supervisor (Stehxy) 1 Account manager (Sam) no one was able to help me. Even though I got a different information prior when I called last month and spoke with Jasmin. I’m a manager myself and this is not a way to treat loyal customers.

I had a Synchrony Bank/Care Credit card. I had one for over 8 years. In over 7 years I was never late with a payment. However since Covid I've had alot less employment (self employed). I was late within a little over a year on 2 payments. YES, 2 payments in over 8 years!. I received no warning. I just got a letter in the mail. They closed my account. I called them thinking this had to be a mistake. It wasn't. They canceled me for those 2 payments, which at the time I paid back right away with late fee PLUS next payment way before its due date. They still wouldn't take me back when I assured them it would never happen again and that was the manager. Well Care Credit I wouldn't take you back if you paid me now. You are terrible to your good customers! Unfortunately my animals will suffer as that's what I only used the card for. Where's your support Synchrony Bank, at the worst time ever in this world. I didn't even want to give you the 1 star!

To make a long story short: I've been having the same recurring problem with submitting payments, via customer service, with CareCredit/Synchrony Bank. For four consecutive months, trying to make allocated payments for specific transactions with this company has been very frustrating and suspect. I've had to make multiple calls to resolve problems with processing simple, basic and uncomplicated transactions. With every phone call I get a confirmation number verifying the transaction, only later to discover upon checking my credit card account and my bank account that either the payment was not processed or the payment allocation was not made and in the meantime late fees, finance charges, interests, or whatever verbiage at the time being used by the rep, is tacked on to the balance. Really???

I had many credit cards with Synchrony Bank and I have never been late or over the limit plus never even close to credit line. Only 4 of my credit cards was I using and out of the blue Synchrony bank closes all of my accounts. I call them up and speak with 5 different representatives who don't help me at all. They said they sent me a letter but I never received one. They once before did the same thing and also said they sent out a letter but I never received that one either. So I wrote to the BBB and now after the fact I received a letter for all of my cards. I have a very good FICO score and a great rating with Experian. Synchrony is the worst bank to deal with in my opinion.

I set up bill pay and my payment wasn't suppose to come out until April and they took 2 payments out of my account and seriously overdrew my bank account and they wouldn't put it back. They are a Horrible company and everyone should be very cautious with them. They don't care about their customers they screw their customers for whatever they can get. I will NEVER use them again. Jerks!!!!

Dr's office charged my card due to schedule of surgery. Unfortunately, Covid came, and I was not able to proceed with the surgery. I CONTACTED care credit which I recorded and explained the situation to the representative. I was told the charges would be "frozen" until my procedure was able to take place, and I would not be charged late fees, interest, also guaranteed it WOULDN'T affect my credit. I RECORDED THE WHOLE CONVERSATION WITH CARE CREDIT! To date, I still have not had the procedure (and will never, due to care credit closing my card) and the card has caused MULTIPLE issues with fees, interest, and my credit! Care credit did not keep their word! Not to mention during a WORLD pandemic they took advantage of the situation. I will be Contacting a lawyer!!!

I'm very disappointed with this company. I have been late 4 payments during COVID. I have made my payments just a few days later. I had gotten my balance paid off last week. When I went to use my card this Sunday it has been closed. While I looked at my emails it's didn't give me a reason. I then looked at my credit score and it took me down 11 points. When I called in this morning to get some understanding it was quick and dry, "Sorry. No. We can't help you. You were late 4 times." Sorry If I lost both of my jobs in the last year however I still was able to make my payments without missing any.. This is how you treat your customers during a WORLD WIDE PANDEMIC. I wouldn't suggest this card to anyone. They don't care about your personal self. I will go on every outlet every day and make a negative remark just like they did my credit score.. Thank you for being so caring Care Credit.. You're Awesome..

I had a $19. bill. I did not receive a bill for it, so the next month they charge $21.61 on top of the $19. Customer service is terrible, can’t get anyone. I’m not paying because all they have to do for money is not send a bill, then they get twenty dollars. They are a rip off company that has terrible customer service! I sent them my card and will not pay!

Synchrony Bank is the worst company ever. If I could give them no stars I would but that’s not an option. You can be a customer of theirs for years and they still will not help you when you get COVID or struggling because of COVID. I got COVID, was in the hospital, fighting for my life and these ** will not help you. I recommend that you cancel all services with synchrony bank and go with Capital One. Capital One has been more helpful and understanding. After this is over I will never use synchrony again. I can’t stress this enough. DO NOT USE SYNCHRONY BANK. They do not care about you. Go with capital one!

So I first got the Synchrony Amazon Store Card four years ago. All was well and I never had any issues with this account, until now. I usually pay my account in full each month to avoid interest and keep my statement balance at $0. I have never paid late, not once. Last month (Feb 2021) I had spent about $120 on my Amazon Store Card. I paid in full two days before the due date of 2/10/2021. Statement printed $0 balance on 2/15/2021. Synchrony reported $0 balance on 2/18/2021.

I have been a customer for 10 yrs with multiple credit cards linked to Synchrony Bank, 6 to be exact, as well as credit cards from other credit companies. I have always paid my bills on time throughout the years with no real issues. Unfortunately I was hit pretty hard/badly with the pandemic of 2020 causing a financial strain for the rest of the year. Out of all my creditors synchrony bank was the least willing to work with me.

Hi, please do not open a credit card account. They have no security if you want to do a chargeback. They will take the seller's side and leave you with no reason why. They just say, "The seller has advantage and we will add the total back to your payments." I made a purchase from a big company and I told them the box came in the mail but they forgot to put the item in the box, the box was empty with pads to protect the sides looks like I had return something and send it back in the box.

I was a long time customer of Care Credit (one month shy of 5 years, with a credit amount of $9000) and I NEVER missed a payment or was late paying. Due to COVID and the difficult past year, I had two (one in March and one in November) where my Health Saving's Account fell below the usual balance, and my automatic payment for Care Credit was declined, BUT paid the very next day.

Hi, as I read more of these reviews I feel empathy for everyone. I was a holder of a Synchrony Credit Card until they decided to close it on the basis of high risk failure to pay. I would like to know what basis they determined this on when I am up to date on my payments and have paid over the minimum payment each time. No one on the phone was of any help and treated me like I was irreverent. I have been doing everything right and they still closed my account during COVID -19 at that. So if they continue to waste my time on the phone running in circles, not answering any of my questions, I am organizing to SUE for wrongful determination during a pandemic. If anyone else if interested as well don't hesitate to contact me.

I have 3 accounts with Synchrony Bank with different stores. I pay sometimes two times in the same month but I wondering review my statement and I found the bank charge 28$ late fee and I call the bank lot a times about same situation and they don't care. Today I report to all customer take care in your statements and review charges, they don't care customers and I don't know how many customers in the world have same problem, this institution need restore all charge to the accounts.. Please take care with synchrony bank

There were 595 consumer reviews of Synchrony Bank in Stamford, Ct on the BBB website. Synchrony Bank has a rating of 1.06 STARS out of 5 STARS. There were 1950 complaints in the last year alone and 5053 complaints in the last three years. Somehow, the BBB rates Synchrony Bank with an A+ Rating probably because the BBB collects a yearly fee from Synchrony Bank and presumably because Synchrony Bank will provide you with a canned response no matter what. There is a huge difference between legal and ethical norms. Synchrony Bank can do just about anything they want to legally but that does not mean it is ethical.

To like cheating me out of $44.95. I look at this way if I have been a faithful customer for 25 years. And they fail to protect me. I can have no confidence that they will protect me in the future. Don't do business with this bank. Too big. You are a statistic and they could care less about you personally. I'm in process of going to Chase Bank.

I had a CareCredit card with them for my animals. Never missed one payment. Never had a high balance. I just got notified this account was closed when my credit dumped 50 points. They closed my account after review of my credit (which was 719 before they closed the account) and after review found 2 late payments (insufficient funds). These 2 late payments were during hurricane Harvey and when the pandemic first started. During natural disasters. The payment still got made!! I just didn't have the money in the account they drew from. Don't trust the bank. They don't care what situation you are in. They just want their money and will leave you high and dry when they don't get it. I now have a sick dog that I was getting ready to take to the vet this morning before I got the notification on my phone. What am I supposed to do? Give my baby up because we are all suffering right now?

Due to my race Synchrony Bank reduced my credit line from $5k to $1k for no reason. This is the worst bank! Bad service! Rude mgrs. Save time and money. Go to their competition. Shame on HSN for using them.

After covid they decided to lower my credit limit which hurt my credit score. It made it look like I had overspent on my limit, so I made a BBB complaint on them. They decided to do it again in the last month so my credit keeps going down because they keep lowering my limit below what I owe. Don't get an account with this company!

In September, they gave me a credit limit of $3000. I’ve paid my balance on time every month. I pay well over minimum because I’m paying it off in a year to avoid interest. Well, I got my balance down and today the credit bureau told me my score decreased. I didn’t understand. I go to look at synchrony bank randomly and without warning or cause decreased my credit limit and now it looks as if my credit card is MAXED OUT!!! They didn’t even inform me. Stay away from this bank this is the type of bank that THRIVES in taking down Americans' financial stability.

I bought a treadmill from Amazon, and requested 6 equal payments. We were charged the full amount, not a payment. Solution from the bank: "Can't change it, return the treadmill and reorder." Not a solution.

This company separates interest free “promotions” without clarity or alerts even when you have opted in for alerts. I was charged almost a thousand dollars extra for my pets surgery due to unclear promotional time frame splits for a single incident. When I called and waited for a supervisor, they offered no remediation or concern. I immediately paid off the full balance and cancelled this card. Do NOT recommend this institution which feels dishonest with complexity on interest promotions to consumers.

This credit card has been paid what I owe - but they did not pay Verizon the money I paid to them to pay for my phone bill for at least four months! I paid -in full- my Verizon bill on this credit card (Verizon suggested I use - in order to get $10.00 per line discount on my phone bill). I receive notice my phone was turned off for failure to pay. I can’t seem to get any help- only lip service for Synchrony agents!

Synchrony is everywhere now and is making PayPal look like fools. I think this operation is run by criminals. PayPal used to back you up and now since Synchrony is involved China is getting more support than United States citizens. Chinese con artists are all over the internet and ripping off Americans every day and financial institutions are not doing anything to help people. They are in bed with China. This is my opinion from what I have seen change in the last few years. PayPal used to back you up and now they sell out to anybody who can pay like China. This is a sad day for Paypal and Synchrony and I think Synchrony is the problem. PayPal was never like this before. Thank God I paid off my Paypal account and I just paid off another Synchrony account and have one more to go and that should happen in the next 30 days. BYE BYE CROOKS!!!!

I have Sam’s Club MasterCard issued thru Synchrony Bank. I just had fraud on my acct not much few hundred. I also reported fraud to bank and I contacted companies also to explain. The companies credited voluntarily the fraud. Today I go to use my card at pump it’s declined. I call bank. They tell me internal risk factor. What is that! My credit score is 750. I had many cards with synchrony bank all were closed today. I had built up rewards on some cards and now I am told those monies are forfeited, even though they were earned for 2020 to be paid in one week. I feel robbed by the bank I trusted. I feel this is a horrible thing to do during a pandemic to people. I pay my bills never late etc, I don’t finance with them.

I have no late payments, all accounts are current. Synchrony chooses to reduce credit limits. Close "0" balance accounts. This has decreased my credit score 75 points. They approve credit cards at one amount and then reduce them. Showing your credit available being maxed out. When you pay them off, zero balance. They close the card. They are destroying my credit. Do not take any accounts associated with this company. I have most of mine paid off and my credit is still in bad standing, thanks to this company.

The credit company took my 2000 credit limit to 250. During the pandemic, I paid one month of 250 to lower my bill. My statement came out my credit limit was 250. Paid on time, no late payments and I'm treated like a poor customer. And the customer service lie to you and tell you that your credit score must have went down. No. You did it. Bc now its looks like my credit is 50% instead of 15% on my credit report. Then she hung up on me. It just sad how this company treat people.

I needed assistance with my Discount Tire Card. I called and the automated system was a nightmare! It took me over 3 tries (I kept getting disconnected or the automated never asked what I needed so it kept repeating the same questions over and over and then disconnected me). 45 minutes later I finally get through to a representative who was minimal help. Don't get me wrong. It's wonderful to have a year to pay with no interest but go into it knowing if you need assistance it won't be pleasant.

I have had an Amazon store card by Synchrony for 5 plus years I have never missed a payment and I have always paid more than the minimum payment. They have decreased my credit limit twice, both times it has hurt my credit score. This bank/financial company has hurt my credit score. When I called in the person I talked to said that they can reduce your limit at their discretion. They never raise your limit unless they can do a hard inquiry on your credit which can also hurt your credit score. Yes I carry several cards with high limit, I pay over the minimum and always on time. I have paid them off and then used them again, never out of a balance that I feel that I couldn't pay for.

Bad Customer service. I refuse to believe this is a bank that cares about their customers, they gave me such a hard time with verifying myself and although my mobile phone and email is connected their systems just didn't work and failed to send a code. Waiting for a letter by mail because of their system is just outrageous. Should have read about them before getting a card with them.

My account was closed as my payment method used was rejected 4 times and kept on being rejected due to a wrong wire number I received from my bank when setting up my auto payment on the Synchrony Bank portal. I tried 4 times to set up the autopayment and on all 4 occasions the payment was posted and the rejected later on and I could not figure out why as there was no feedback as to why the transaction payment was rejected. I tried calling for help holding on for 45min and an hour on two occasions without even speaking to anyone. I then tried writing and never got any help or guidance from Synchrony. They just closed my account.