Synchrony Financial Reviews

I will no longer be a Synchrony Bank customer. After being a loyal customer for years, they have closed all my accounts. I Always pay on time, keep my balances low, and have a credit score of 755. I have given them absolutely no reason to believe I'm a "high risk ", which is the reason they stated for the closure of my accounts. So after years of loyalty to them this is how it ends, by them ruining my credit score. I will be reporting them to the Better Business Bureau, the FTC and contacting my congressman. If you're looking for a reputable credit card company, synchrony bank is not one of them. I would avoid them at all costs!

They don't provide online CLOSING instructions but continuing business on their CD LINE. Not even to closing and transfer to an account within their business lines. Took me 30 minutes to place that instruction through phone, through 3 support posts (last in the country!) with their system not being able to send a text to the mobile I was calling from. Nor they were able to send text to a VOIP alternate number that is text capable. In the end they called and provided the security code to the same voice line I was calling. The overseas support has no training for retention and therefore don't work hard to satisfy the customer. I promised I'll write this review with the intent to direct others not to do this business with them. From personal practical experience, do it when rates are better with Ally, Marcus, Merrick, PurePoint.

Outrageous interest rates! This card balance will never get paid off as balance is overtaken by excessive interest charges. This is a type of card that should only be used for medical or veterinary or dental emergencies for large amounts and not allowed to accrue. Pay off quickly.

This bank constantly pushes for electronic transactions ONLY. They want to send only electronic statements, receive electronic payments, and use only electronic messaging whenever possible. It doesn't take a rocket scientist to see why. It's a numbers game - all and only about their bottom line. This month I did not receive my electronic statement (probably my fault) so what does this electronic emphasis only company do when my payment was late? You guessed it; they locked me out of my account so I could not review the statement unless I first paid over the phone. Let me see if I got this correct, electronic statement was not available, the wizards running the customer service refused to allow me access to the statement UNLESS I first paid a bill I have yet to see. I am not a happy camper!

They sent to this ** site for some verification. I had to repeat some steps many times (pictures of me, picture of an ID and and video of me). At the end the message said they couldn't make the verification and they would send a letter in the mail. Understand that my FICO Score is in the 800's. I call back to the bank and after being on hold for a long while they gave me the same message about a letter in the mail.

I used Synchrony to finance half the value of a furniture set I purchased. They offered a 0% interest rate as long as I paid it off within a year. Awesome! Once I paid down most of what I owed - they cut my 'credit limit' in half leaving only $30 of available credit. When I called they said they will mail a letter explaining. I never used the credit, nor did I ever authorize my card for future purchases. I always paid a lot more than the minimum. Lowering my credit limit by 50% makes it look like I have a MAXed out card ignoring the $700 I already paid!! You are no use to them once they realize you are paying down your debt early.

This bank and the customer service over the phone is very unsatisfying. I could be having a great day and get on the phone with these people and turned my whole day to crap. They don't know what they're talking about. They lie and that is the number one thing I wanna point out. They lie and I don't trust people who lie especially with my personal information. And it was just a simple lie but I caught it and it made me very uneasy to say the least.

Applied for a credit card for financing home improvements. I needed $15,000 for financing and was told I could get no interest payments if using this company. I applied with an 800 credit score with 120k yearly income and was approved for $5,000. What a piece of crap company. I wouldn't of applied knowing they wouldn't approve the entire finance, I'm not going to put part of the payments on this crap card with all the negative reviews on here. SHADY COMPANY. STAY FAR AWAY.

The area I live at was hit very bad with Covid 19, everybody's job was cut down considerably, most people lost their job because the virus is that bad, and this company Synchrony will Not help during covid 19, for they charge crazy high interest, will not help with any kind of payment relief, extending promotions, deferred interest, NOTHING, for this company is so heartless, they just don't care about people losing their job, or getting hours cut back, all they want to do is make a profit on their excessive interest, and give NO relief during Covid 19.

I had a card through Synthetic Bank for See Eyewear. I had been using it often and paying it without fail. Each purchase I make at see eyewear using the card is interest free for 6 months. I paid the balance off at the end of May and yesterday when I tried to purchase eyeglasses the card declined because they closed my account without warning. This is the 2nd time they have done this. THEY SUCK!!! Leave synthetic bank alone. They claimed my credit score dropped significantly. I immediately check my score using Credit Karma and it showed my score had increased by 70 points. Don't use their card!!!

Unfortunately this company is not fair in their practice. I paid off the exact amount that was shown on the payoff screen to another card to consolidate my debt. Synchrony did not honor the payoff amount they had on my account page. This company is saying I owe them late fees of $200 although the payoff amount on my account page was $1921 (I have a screenshot). It is disgusting that during a pandemic they continue to assess late fees even though I have emailed them about not working and they still insist on adding late fees. The amount of the actual purchase was over $7,000 and they have received all the money for their merchandise and more. Their response back to my email is that it will take 2 months or 20 days to respond meanwhile my credit score is being affected every billing cycle. DO THE RIGHT THING SYNCHRONY!!

I opened a Lowe's credit card in March 2020. I purchased kitchen cabinets ($10k) on March 12 and they were delayed until June 25 due to COVID-19. Synchrony delayed my payment the 1st month, the 2nd month they delayed my payment and the interest charge, the 3rd month (did not receive cabinets yet), Synchrony denied any payment delays and charged the interest. They stated that the previous two months were an error and are not responsible for what a rep says to customers. I escalated the complaint and went round & round to the same reps. I wrote a letter to their Florida PO box. They replied by email today with a link which opens to their reply... of course, the link does not function, "Check back later!" Next step is to report them to the credit bureau and then an attorney.

2 weeks after approving me for an Ebay MC, Synchrony bank canceled all cards, at the highest point in my credit rating. I've had Synchrony Cards for over 4 years, always paid on time, I have no late payments on my credit score, almost all balances paid in full. Do not trust them, they will betray your loyalty and good standing.

I have had Synchrony Bank for about 5 years. I have a $5000 credit (between both cards). I have never been late on a payment and never had a high balance. I was furloughed this summer from work due to Covid and because I didn’t receive unemployment, I utilized my Capitol One credit card more than I wanted to. My credit took a small ping and went down due to all these conditions. Because of this credit change, Synchrony bank took it upon themselves to close one of my accounts and lowered my credit to what I owe on my other account which is a furniture card.

This company did not offer any solutions due to covid-19. Not only did they close my account they increased what I owe. I will pay it off and never ever recommend them. They have people harass you from 8am to 8pm. For some crazy reason I get a ping everyday from credit reporting agency they are reporting I'm late. I'm paying what I can. I'm just now getting back into the work force.

Today I ran into two horrid experiences, first one I found out a huge fraud charge to my account that was never even used or registered to my shock. The second one was just as unpleasant when attempting to communicate with their representatives who are disrespectful and unwilling to fulfill one very small request once the report was filed. I was informed (once again) they resort to using lousy USPS snail mail in the distant future to send me the follow up details when all I asked for was for the purpose of my call today, they at least email me (or text) just a summary of what they did (or CLAIMED) to do... such as close the account and zero out the charge while they take their time to investigate the fraud claim.

Just found out that Synchrony closed my account. I've never missed a payment and now they are going to hurt my credit more than it is already. This is a horrible company and I hope they fail miserably.

In every way this company is the absolute worst. Avoid like the plague. They will arbitrarily reduce your credit limit and close your account without telling you even after you have diligently paid your balance off. NEVER ** AGAIN.

I have had a Care Credit account as well as a Car Credit account for many years. I have paid them off at times and have used them frequently and have never missed a payment. On June 26th this Synchrony Financial decided that my loyalty did not mean anything to them and cut off both cards. I would never recommend them to anyone ever again, and anytime I get a chance to dissuade someone from using this company I will.

I recently tried to apply for a Lowe's Home Improvement credit card which is through Synchrony Bank. After giving the cashier the application information, she reported back that the application was denied. After several hours of sitting on hold or being transferred I was able to talk to a bank representative about the application. She informed me that it was not denied that they just needed to verify some more information. I was sent to a verification website where they captured my picture and a picture of the front and back of my drivers license. (Not sure what they were verifying my identity with - what databases would have my picture and my drivers license photo).

I’ve never dealt with a company that was not concerned about my satisfaction as a customer. Or how to resolve a problem, or how to update information so it was sent to the right email address and phone number to prevent problems.

I have had the Amazon Prime Store Card offered by Synchrony Bank for the past few years. I have made a few late payments but always stayed caught up. If you miss your scheduled payment by 2 days, their account representatives in India call and harass you, even call you at your place of business forcing you to "promise" to pay and select a date. I'm not sure why they have this nervous habit but recently was the final straw when I was late by one day and they punitively lowered my credit limit by 500.00 as soon as I paid the card down to 100.00 balance left in one sitting.

Do not get a credit card with this junk bank! After being a loyal client for years, they did not take Pandemic 2020 into account. Contacted them notifying of hardships and did not get help with any relief programs, instead they closed my account!!! AWFUL! STAY AWAY!!

I got this credit card at Lovesac's website to buy a bean bag chair. I bought it, paid it off in 2 months. They originally gave me a credit limit of $1,500, which I didn't need and never used. After 5 months of not buying anything else, they reduced my credit limit to $200. This hurt my credit score some but I didn't mind. I decided to buy a blanket from Lovesac, pay it off and see if it would help. It didn't.

I had appointment at a local flooring business. I was offered financing with Synchrony. No interest until 2022. I haven’t applied for credit in a very long time and was going to definitely pay this off ASAP. I put a credit alert on my accts so I needed to speak to rep. The rep asked for my address and I always add “south” to my address for personal reasons but zip code is same. My credit score is good and currently I am paying down my debt but Of course I was denied. I decided to do research on this company and after reading these horrific reviews I am truly elated I was denied. Next time I’m offered financing with no interest until. I will humbly decline.

My experience stems from erroneous charges discovered in my card. Although the company reversed some but left a couple out. Despite numerous calls to their customer service along with online messages and live chat, nothing has been resolved and the following summarizes the major issues: Online message is totally useless; I had to reiterate my problem each time and only received standard replies mostly. I did receive a couple of actual "live" replies but without result. Chat is mostly answered by robot. Did get through on couple of occasions but had to wait for transfer to CS and ended up with no result as above. Call live customer service several times and was told that there was no outstanding balance every time but online statement still shows the disputed balances and the CS people I talked to said they don't understand either and concluded that there is nothing they can do!?!?

As like a lot of others consumers, I too had a Musicians Friend credit card canceled on me with a zero balance because I hadn't used it in a while! That's too bad for Musicians Friend, because I will shop elsewhere. The reason I'm upset with Synchrony is with my Care Credit Card. I've had this card for years and only used it for Medical because they have a promotional 0% interest on purchases over $200. This where its gets tricky! They changed the card to a Mastercard and they don't tell you that you have to pay a MEDICAL BILL only on their website!!! Otherwise they will charge you 25.99%!!!! They will not help with changing it to a 0% interest, even when you can prove it was for a MEDICAL bill! I'm not going to wait for them to cancel this card. I'm getting rid of it myself!!!

Nothing but trouble and stress to be honest. Sure, they gave me credit which was very helpful for some business related things earlier on, but they closed my account for what I consider to be a very poor reason. Little to no missed payments, and during this pandemic, they decide to close my account for having a high number of accounts and lack of real estate. These are reasons you may get denied an account, but not one taken away. Of course it's our responsibility to review what we're signing up for and we agree to letting them do this, but it is common knowledge that missed payments, delinquency and lack of usage are your typical reasons for an account closure, not these nitpicked reasons they strung together to try and justify my account closure. To take advantage of ethics like this during a worldwide pandemic and mess with loyal customers' livelihoods is despicable. I plan to never use synchrony again in the future.

This company is the worst credit card company I have ever seen. They never send me a credit card because they messed up my shipping address. But when it comes to get paid for the services they never provided, after 3 months has passed, they will send your phone # to the credit collectors. No credit card statement, no credit card but now they want to get paid extra for the terrible mistake they make.

Bottom line: do not use any credit cards issued by Synchrony Financial because they use dishonest/bad faith/illegal practices so that they can charge you as many fees and as much interest as possible, even if you proven yourself a responsible client. I charged $400 to this card at the standard interest rate expecting to pay it off in full that month. Unfortunately, I had several charges of varying amounts totaling $2200 under their 6 months deferred interest plan -- I spread the payments out over 6 months and always pay off each charge in full before the interest accrued over 6 months can be tacked on to the original charge.

My experience with Synchrony credit cards was horrible. They are the worst and not worth opening credit with them their customer service and whatever algorithm they use to bill and serve as a creditor is hurting their business in the long run. I held five of their cards from gas to various retailers and never was late on one payment until recently during the pandemic. Late literally 1 payment and They acted as if they were going to help by waiving to defer a payment and all they did was reported on the credit report as late and then had the Odessa D to shut down four of my accounts because of one payment and one card had two payments correction late but I eventually paid them and was on track and they still close with no explanation.

The first experience with them was when they sent a notice telling me they were closing my Care Credit account because it had a $0 balance on it. My second experience with them was when they sent a notice telling me they were closing my Kohl's Store Account because it had a $0 balance on it. The next experience I had with them was when they sent me a notice they were closing my Target store card because it had a $0 balance on it. I immediately bought something, paid for it with the card and managed to keep the card open, though who knows for how long with this company.

I signed up through Amazon. I received the Amazon Store Card and letter that I can request to go paperless, which I did not do. I never received a bill then as charged extra for not making the payment sooner. I set up the account and three times tried to make a payment with one of 2 acceptable debit cards but it never accepted the card. I would discourage anyone from making the same mistake. Stay clear of this company.

Synchrony Bank has purchased multiple accounts including, HSN, QVC, Best Buy, Care Credit, Briggs & Stratton, Paypal, and many more. Consumers were not notified of change, Synchrony changes terms, lowers limits and outright closes accounts for no reason. Seems like a predatory company attempting to gain a monopoly in the market. Keep a close eye on any account you have with them and close as soon as possible.

Received an alert from Experian that my Synchrony Pep Boys card was cancelled. Haven’t missed a payment and always paid much more than minimum. Hardly used the card and don’t understand why it was cancelled. I’ve had the card for a few years. Called and was told I’d receive a letter in the mail explaining. I guess not Synchrony noticed that I was paying large payments to pay it off and not using it so I was of no value to them anymore.

My boyfriend was supposed to be paying this card. I found out he was behind so I tried to fix the issue. After 2 days and over an hour on the phone with 4 different people, I got swindled again. I received a letter stating I could settle the debt by making 4 payments of $145. That was a lie. Then I was told I could pay $206 initially and $96 a month for 5 months and that would satisfy the loan. Again, another lie. Today, 4 days later, I got another call (And they will call you 100 times a day at ALL hours) so I called back immediately to see why they were calling. The lady tells me there is no arrangement on the account and that I must have been talking to a third party. All the information I have came from Synchrony and they show the initial payment, so... You can never get a straight answer and more than not you get a rep you can’t understand... I give up!

I have been a loyal QVC customer for many years. Recently they reduced my credit limit. Even though I never missed a payment and it was always on time. As a result I was over my limit by a few dollars. They in turn reported me to the credit bureau as “over limit". Beware. Synchrony is a RIP-OFF!! I paid in full and closed my account.

Do not, I repeat do NOT, get an Amazon card through Synchrony Bank! I went in to make my monthly payment as I always do just to find out two days later that instead of taking my payment they drained my entire bank account! I contacted them right away and all I got were people that I could not understand telling me that they can only reimburse me with a check and it would take three weeks for it to get to me! So now my other bills are overdrafting me and I have nothing to live on for almost a month!

I have had a Care Credit account for almost two or three years. I was late one time for one day as payment is due at like 8 p.m. and I did not realize that. Other than that, I have never missed a payment and sometimes paid twice a month and I've always paid on time. I started out with a $3,000 limit. I had some dental bills on there and used some of my balance for vet bills. I did use, at one point, half of the limit. I thought this was okay, since I'm paying on time and they get their interest fee is. Apparently though, they don't want you to use your card because I see the same complaints everywhere and I didn't listen and I would do anything to go back and never have opened this account.

I have been a Synchrony Bank customer for several years with their credit cards and a savings account with over $20,000.00. Synchrony closed 9 of my credit card accounts due to being a poor risk. 2 were Mastercards with the other 7 being store specific. My credit score is over 700 and I have never, every made a late payment on any of the accounts. The total available credit on those accounts was $62,500 and my outstanding balance on the 9 cards totals $928.56 for a 1.49% credit usage rate. I was just issued the Ebay Mastercard 2 months ago and they now closed it. 8 of the 9 cards have had credit line increased in the last 60 days. My Lowe's card had 3 credit line increases in the last 60 days. I have requested numerous times for a possible increase in the Amazon card limit and was always denied. In the last 60 days my Amazon card was awarded a credit line increase by Synchrony.

We had 3 Synchrony cards for Old Navy, Ashley Furniture, Discount Tire. We have never been late, never maxed out the cards. Within 2 months of getting the Old Navy card at $500 line of credit, they lowered it to $300. I had only used $100 and paid it off and didn’t use it any longer. I was upset. They lowered it for no reason and it hurts your credit. Then we get a letter stating they closed our discount tire card after we had paid off a 200 balance! Then a day later they cut our $7000 credit line with Ashley furniture down to the balance of $4800! Their reason is because we just bought a house in December and they said our balance on Real estate loan is too high and not been paid down fast enough! We just bought the house! We called and they could care less. Our credit score is going to drop and this seems to be allowed. We all need to do something.

I was attempting a pay by phone payment. The phone was answered with a message that said do to Covid19 wait times could be much longer than usual. After approximately a 5 minute wait I was allowed to begin the process of my payment. Unfortunately their system was not able to correctly identify my Bank account number. It could not gather the entire bank account numbers. I tried several times to make the payment but again I was unable to do so because of the failure of there system to correctly recognize my bank account number.

All my Synchrony Bank credit cards (Amazon, Rakuten, PayPal) are variable rate cards but they did not reduce my APR after prime rate went down in March. The following info applies to all three of my synchrony bank credit cards but I am going to use my amazon card statement to quote their definition of a variable rate credit card (as follows): "If a (v) is shown after your apr in the interest charge calculation section of this billing statement, the apr is a variable rate and will vary with the market based on the prime rate". That is very clear and easy to understand. However, at no time has synchrony bank reduced my apr on any of my credit cards (amazon, rakuten, or paypal).

Canceled my account due to Covid-19. I have had my account with them for seven years. Have made many purchases on it and never missed a payment and always paid everything off. I get an email from my credit monitoring agency last night while I was at work telling me that my account had been closed. I called them this morning and I am told that I do not meet their new guidelines. I met their guidelines just fine until I lost one job and got another within a week. They are doing this to people because of Covid-19. The ones of us who have made our payments and have exceptional credit history are getting dings to our credit because of them. I do not recommend this company period.

This bank will blame you for any issues related to online. Their auto pay ALWAYS had issues and would never stay active. After talking to a rep about the issue in Aug 2019, they told me to rest assure that everything is all set up with the auto pay and that I would not have to worry about it again because they set it all up. So I thought ok. I made them put it in the notes that that was said and done with regarding the auto pay.

Updated on 6/2/2020: A couple weeks ago, I submitted my review regarding ALL my Synchrony accounts. A total of 16 accounts all in excellent standing were closed on the same day. Never late and always paid above the minimum payments every month. Synchrony even closed out the accounts with zero balances most recently paid off (which I never maxed out any of my accounts). I received my first letter of explanation as to why? This letter pertains to my Car Credit Account which has been open less than 6 months. I used the card for tire services on my vehicle recent with a balance of $226. The letter indicates:

I have three cards with them, I paid off the one card. The other two cards I paid off all but $200 each. Then they lowered my credit limits to $220 looking like I have maxed out two cards. Never missed payments, they claim I have collections which I don’t and put me as a “high risk”. My credit score is in the 700’s. I was planning on using our VA loan to buy a house in the next month or so. This just lowered my score so much. This bank is a joke. The customer service is horrible. I paid my cards off today and will never use them again. Will never give this bank another penny.

I called Synchrony Bank to speak to someone about not getting my e-statements. Synchrony has admitted in the past that there are certain ISP's they have trouble connecting with, which seems strange in 2020. At any rate, I spoke with a rude floor supervisor named Margaret and then another supervisor named Dwight. Margaret threw me on hold without asking if I wanted to hold. I spoke with another supervisor, Dwight, and he was argumentative and rude, and refused to give me a ticket number to escalate my concerns and he hung up on me. Surely, Synchrony Bank can get their tech support to fix this issue, and surely they can employ some people with proper customer service skills!

This company closed my account when I made monthly ON TIME payments without any notification to me. When I asked to speak with a manager "JD" was placed on the phone and she was rude and not at all helpful!

I had zero balance and the balances before were paid with no late chargers always paid above minimum or paid in full for over a year. No I had not charged anything since February since I couldn't get up to the store but nothing else changed on my credit file or with them. They hurt my credit when I was working hard to keep my credit up.

I had my credit cards before they were bought out by Synchrony Bank/Financial. They have closed down all my credit cards that were with Synchrony Bank/Financial. None of my cards were delinquent. Paid on time and always over the minimum payment. Now I am checking my cards and within the past week they have closed them all for no reason and didn't notify me. This screws up my credit score. If they had sent out an email stating why they were doing this before they did this - I would have a heads up. Now I am royally pissed. I will never give Synchrony Bank/Financial a good review. The closed credit cards are Care Credit, Mavis, Sam's Club (personal and business), and one other card.

Well I've had a medical credit card Care Credit for a few yrs. I always pay and at one time had $3200 charged. I've always paid on time and made a $1700 payment last month. So my acct is down to $130 left to pay.. I asked to get my APR lowered and a representative said I have to ask a supervisor. Then got left on hold for 20 mins.... I hung up and called back but got Destiny.. A manager I guess. She already had that "attitude Karen voice" we all know... So I asked her and he said no. Everyone is the same and you can't change it??? Never heard of this so I went online. Noticed they have terrible customer service and I definitely concur. Sad I will be closing this account because they give no love to valuable customers who have been with them for yrs. Onwards to better creditors.

This company does not even deserve 1 star, it would be a negative 5!, but you can't post the review without rating it. I must say that I was not surprised when I sought a venue to voice my disdain with this company and the unfair, uncaring, & simply downright cruelty to loyal, hardworking & responsible debtors & then read reviews that others had been treated the same as me by this monster called Synchrony.

First off, I didn’t enroll for this card. My dentist did on my behalf which in hindsight I should have been far more critical of this enrollment. Nonetheless, Synchrony's first scam is to auto enroll you into a 30 dollar protection program. It is something that is free with any other credit card I have ever had. It does nothing and furthermore if you have any other major credit cards they will include this for all your accounts most of the time. I had no idea about this charge until 3 months in. When I called the company they told me the protection was through a third party and they could not refund this. I immediately told them to unenroll me. They wouldn’t even remove the fee on the current statement.

I had 6 accounts with Synchrony. 3 had a $0 balance and $3 carried a manageable balance. All of a sudden they automatically closed my $0 balance accounts and lowered my other 3 limits to just above what I owed on them. I’m seeing so many more are having this same problem! The credit decrease was 117 points raising me to 100% credit usage and a High Risk category and the SBA disaster loan denied us our well qualified loan! This needs to be a LAW SUIT!!! How can a hard working person be annihilated by being forced to have open lines of credit, to get credit, just to be destroyed by credit?!?!

I’ve had a JCP card since 2006 and always received my bill through the mail-I don’t really use email. I got email saying delinquent-spoke to rep and he says I’m on paperless?! Asked how that happened. He says he’s only debt collector ant see when or why then transfers me to another department. This rep says the other guy must have changed it because now it says mail delivery. Hmm thought he couldn’t see those things how could he have changed it? $30 fee $27 charge for a $60 bill. Paid everything in full and cancelled the card after 14 years. They didn’t care because it’s the only time they’ve profited from me-never have paid a service charge or interest. Never been delinquent in my 52 years. Sad.

This is the most amusing experience I have had in a very long time, NOT! After recently making a payment on 5/6/20 and being $300 away from payoff, my account has been closed due to "high risk". I called and spoke to a manager after having a chat online with a rep. The manager on the phone was very dismissive and cocky stating I should wait for the letter to find out why my account was closed. After having to persuade him for almost 10 minutes he spilled the beans calling my account "high risk". No explanation or anything! After reading some of the comments here I can assume they are closing some or all accounts to avoid more purchases. They want to collect and avoid as much loss as possible due to COVID-19. This is complete and total BS!

This happened in 2017. I had Care Credit, Chevron, Citgo. NEVER MISSED A PAYMENT. ACTUALLY PAID in advance of my due date on October 4,2017, I attempted to use my citgo card, didn't work so I called. They told me the Synchrony closed all 3 accounts without explanation and look for something in the. They claimed my income had dropped, which was a total fabrication on the bank. Few days ago I attempted to gain a citgo card which I was denied so I called TransUnion. They erroneously placed on my report that I defaulted on all 3 accounts, I talking to a lawyer about suing synchrony bank and transunion for placing false information on my credit file.

This is hands down one of the worst companies I’ve ever dealt with in my life. I was so close to paying off my bill before the time period was up when all the interest would be assessed but I was delayed in making the final payments because of COVID 19 and they went ahead and assessed 1200.00+ in interest in fees instead of allowing me a couple more months to pay off the balance. This is almost how much my entire bill was to begin with! I’m an RN working directly with COVID patients and my husband is not “essential”, we are struggling to even pay our mortgage! They completely kicked me while I was down. I feel very small and taken advantage of. They don’t give 2 cents about what happens to me or my family and I can assure you they have lost a customer for life.

Had a credit card for Wolf's furniture from Synchrony Bank. Almost paid off. Within the past 2 days they closed my account for no reason. Called them. No response and no reason. Pathetic. They said you should get a letter. No letter. Asked if it’s because wolfs closed no idea.

I was so relieved to use Care Credit through Synchrony Bank when I needed emergency oral surgery. Until 6 months later. I had never outright missed a payment, though admittedly had been late. I had never paid the minimum, but instead always paid a couple hundred more than the minimum requested each month. My card balance went from 1,800 to 700 in 6 months...not too bad, well over half paid. So I get to the 700, but get a bill for 796. I expected to pay interest and finance charges - but $96, in one month!? HA! In 40 years and countless accounts - I have never encountered a figure like this, anywhere.

I had CD with them, Their mails notifications never arrives. Their systems doesn't support of setting action on CD maturity. They have auto renew CD, without sending any notification to customers, and when asked to cancel charging 180 days interest penalty. And not ready to consider the situation as customer has not received notification for renew, and their system not support to set up action on maturity. The way they hold customers, with auto renewals of CD and charging big penalty, to customers are force to keep their money with them. Awful customer service, even supervisors are rude and not ready to consider situations.

After reading recent reviews during Covid-19, I see that I am not the only victim of this company. No issues, late payments and they closed my credit with them. No notice. When I called, supervisor clearly was reading a script. He stated credit bureau when I said nothing, he stated FTC when I said nothing in relation but said he can provide their information. I did state that I wanted to file a complaint and please transfer me to that department and he said, "They don't answer their phone." I called because they sent me an email saying I missed a payment but clearly didn't. My payment went directly from my bank as I have the email receipt. Not a credit company to deal with.

Be aware of this bank. They’ll give you credit and then they’ll raise your APR to 23%. Walmart used them, but Walmart switch to Capital One. They realize Synchrony are evil. Worst bank or financial company ever.

Years ago I opened credit cards backed by Synchrony Bank: Paypal, Amazon Prime and Toys R Us. A year and a half ago I closed them with intent to pay them off. Up until this year I was never late on paying on them, in fact the PayPal card is pretty much paid off. Then the pandemic hit. I lost part of my income. My roommate is unemployed. We might have to move in a few months if her business doesn't pick up again. We barely make rent as it is. All of my other creditors worked with me, even the one who was initially reluctant (Mercury Card). But not Synchrony. For the entire month of March and up to mid April I couldn't get in touch with anyone. This resulted in my April 5 and April 8 payments for the Amazon Prime and Toys R Us cards being late. On April 15, I was told that if I paid $72 on each of them - this is DOUBLE what I normally pay on each of them - she would waive the late fees and the accounts would be current. I used my stimulus check and paid them.

I would rate it negative stars if I could. I applied for this card with the understanding Synchrony offered a promo of no interest charged for 6 months. That was the sales pitch. However, apparently, this really means a DELAY of interest, as I was hit with a whopping interest charge of almost $300 on the statement for month 7! What kind of a company does this?!? This was a deliberate misrepresentation and I will NEVER EVER use this card again. In fact, I have already destroyed it.

I received an alert from my credit monitoring service stating my Discount Tire Credit Card with Synchrony had been canceled. I contacted Synchrony Customer Service. I talked to multiple people and was given a different reason for the closure by each person. One person claimed the account was closed due to a credit score of 599. Reviewed my score while I was on the phone with the representative and the actual score was much higher than he claimed. I was then transferred to another person that claimed my card closure was due to my payment history with Synchrony. I had the card for over a year the card has had a $0 balance for over a few months and all payments had been paid on time or ahead of time. Every payment I made I either paid the card off or paid double the due amount for the month. So no way it was due to bad payment history with Synchrony.

Apparently, your customers are not "amazing" as you claim. I have been a cardholder with you for almost 1 year and you abruptly shut out my Old Navy account because 2 payment was returned. I guess you guys want to be cold and heartless during this COVID pandemic. I hold multiple Synchrony accounts and to be tossed like trash is not cool. I am on the phone right now with a representative and they even said I had a good payment history and don't understand. They charge late fees and that isn't sufficient enough. They punish the customer and shut the account out completely. They said they could not reopen the account. I would need to reapply. I told them I would never reconsider reapplying with them. I may go ahead a shut out my other accounts with them. I despise Synchrony Bank and do not trust them to meet my financial needs.

Unfortunately, being a good customer, having automated payments does not count at all. I have a good credit and I have never received a call from anyone not even an email telling me that apparently there was a returned payment. They have stated that if 2 payments are returned they will close your account and sure they did without even letting me know there was a returned payment nor that the account will be closed. Yet, I have paid them every month from the account I have set up for automated payments which has been deducted every month as per my bank statement and I have the evidence from my bank.

I have had credit accounts with Synchrony for years. I am well above 6 digits income. All my accounts were in good standing with a total credit limit of over $50K. No late payments, no changes on my credit score. They raised every card limit over 400% within the last few months based on that credit worthiness and score. Then, in one single day, Synchrony closed every single account without notice. Received a letter stating "Activity on accounts indicative of high risk of failure to pay". How is that possible when there were less than $3k total on just 2 of the several accounts I had with them. This $50k reduction severely increased my debt ratio and ripped over 100 point on my score.

I have been an account holder for 2 years in good standing. Never missed a payment!! As soon as this Covid came they closed my account no reason. My credit score is 100 points higher then it was when they gave me credit. Worse experience ever!!!

I have had a care credit account for 2 years, they arbitrarily decided to reduce my credit after 2 years in the middle of a pandemic. They claim it is based solely off my low credit score (which hasn't really changed in 2 years) and was poor to begin with. After making 2 years of on time plus payments they lower the amount of credit I have? This company refuses to reinstate the credit and thinks that they can get away with this. Don't use them. Ever. Worse customer service I ever had. No ability to fix what they did and downright refusal to all escalation is what I encountered.

I am so furious. I just discovered that EVERYONE of my Synchrony cards are canceled. ALL OF THEM. I have a 100% payment record and am never late on my bills. How can they just randomly do this to people? I am not laid off, have never asked for COVID relief, never missed a bill, or anything and now they pull this? And I see I'm not the only one they've done this to. And of course, you can't get a human on the phone.

My husband and I have been with Synchrony credit cards for quite some time. We have never paid late, always paid diligently on time and accurately. Unfortunately, during this time, I have lost my father and my brother, leaving us no mental head space to remember to pay on time. ALL other companies and credit cards, mortgage companies etc have waived late fees, but not synchrony. They have harassed us with several phone calls, text messages and emails. While grieving, we were not worried about "remembering" to pay this bill, which let me remind you, has a VERY small balance due. Lo and behold, we were charged the late fee. I am disgusted in the insensitivity of this company and lack of human decency during this time. I'm speaking for all people suffering in anyway right now. I can't wait to pay it off and be done with them!

It turns out you need to mail in your direct deposit for them to sign you up. I'm trying to pay them but are making it difficult so they can charge you some ridiculous late fees. I was 1 day late on the due date, no grace period, and they charged me $40 late fee. I took me 30 minutes on hold to make a payment. I sincerely hate this company. They just want to charge you late fees to make additional money. I spoke to their customer rep and basically said direct deposit is a service they provide to customers!!! Who doesn't at this time? Why do you have to mail me and then say it takes 4-6 weeks to process. Are you kidding me? WORST BANK EVER!!! I hope they fail and have to close.

I had a credit card I got when shopping for a mattress at Mattress Firm. I opened the account less than a year ago. After paying off the card in under 6 months and NEVER being late, NEVER over the limit. Current balance $0. Out of the blue, I get a notification from MyFICO that my new limit is now decreased $250. I called in and asked and they said it was based off my FICO score which was HIGHER than when I applied. I’ll be writing a complaint to the FTC. BEWARE!!! I will never use them again. They took my credit down 28 points over this nonsense.

They closed my account and put a negative mark on my credit report without saying a word to me. They then took all my reward points worth $65 and then I found they closed my other account as well without a word. I believe they are doing this to somehow protect themselves from the financial impact that the Covid-19 crisis may cause. Shame on them!!

WOW! They decided to close my account with no notice (mail, phone, text, online message). I have an outstanding credit rating that is close to 800. My account had no negative marks and was in excellent standing with a ‘0’ balance. I spoke with them multiple times on the phone, and was repeatedly told that there is nothing they can do after an account is closed. Then, they stated that I would have to re-apply with a new application and credit check. I am VERY DISAPPOINTED with how they treat their long time good customers. Hence, I would not recommend them to anyone. BEWARE!

Like many people, I jump online to pay my bills. Every month, I get on the Synchrony/CareCredit website and pay. I admit I rarely look at the actual billing statement. My bad!!! After reviewing my most recent statement, the balance on purchases seemed extremely high. I rarely use this card so I couldn't understand why it was so high. So I went back as far back as I could go (less than a year) and looked. My regular purchase balance went from $465 in May 2019 to $1086 in March 2020 and I haven't used the card!!

Had 18 Various Cards (Store, Gas, Major Credit Cards, All in good standing, all paid in good faith for many years) - Synchrony closed all of them in one day - will never use Synchrony again, beware because they will shut you down even with a 720 Score. Never experienced this in my life and will never shop at those stores again. I hope Synchrony bank and those stores affiliated with them have lost my business forever. Citicards, Comenity bank, and Capital One are the cards I have remaining and they will get my business from now on. Wow this is crazy.

I had a credit card I got when shopping for a mattress at Mattress Firm. I opened the account 2 years ago. After 2 limit increases my final limit was $7,500. NEVER late, NEVER over the limit. Current balance $0. Out of the blue, I get a notification from MyFICO that my new limit is now $250. Who can purchase anything for $250? I called and they said, "We periodically check your credit, and your score must have gotten lower." So you lower my limit because I’m utilizing other cards and my balances have increased?! Especially during this global pandemic. They are scum. I told the lady close the account altogether. I’ll be writing a complaint to the FTC. BEWARE!!! I will never use them again.

I have never been late on ShopHQ card issued by Synchrony Bank!!! Charged a $39 late during Covid Pandemic, cannot contact anyone except automated line too get it waived. How do I contact customer service?

I wanted to make sure the world knows what this financial institution is doing to its consumers. I had to settle on an accounts with this company back in November 2019. It's April 2020 and we are all facing significant financial hardships. Synchrony clearly allows its call representatives to take consumer accounts into their own hands dictating the outcome. I've been trying to get issues corrected on my credit report since Early January and there’s been no prevail. Now, there's a world crisis. I have very little money and need a loan to make it through these next few months and I can’t obtain a loan because of the inaccurate reporting that's never been cleared up.

I started by using the Care Credit card for my medical bills because I needed something to help with medical bills I had incurred. I was afraid that the bad reviews but noticed they were usually by people who didn't grasp how to use them properly. I took the initial hit, you always get, when you first open the account. I paid off the account quickly and was able to pay off the account except for $300 without having to pay any interest. I was so impressed that I then opened a Care Credit account with them. I bought some very needed tires for my car and had it serviced. Same deal here, initial credit hit when I opened the account. One more payment this month and I will have gotten all my services without interest. Just so anyone reading this understands, no I did not make minimum payments. I always paid much more. If my payment was $39 a month, I paid $100. Both of these accounts have made a great impact on my credit report!

My account in Paypal credit has always been paid and almost always zero in balance. But Synchrony closed my account $2300+ credit limit without any notification nor any reason. That's their style of help during this pandemic crisis? Which is not to help. I found out the hard way by my Experian monitoring service... damaging my credit. Seriously disappointed with this. They deserve 0 stars.

After reading the reviews here, I realize this bank is simply taking away credit lines or worse yet, closing accounts for no reason. They are downsizing their "exposure" in extended credit lines due to COVID 19. I've never had a late payment and they reduced my credit line in half in late March 2020 just like they did to all of you here with the same complaint. I called the bank and a supervisor claimed it was just a coincidence to the COVID 19 issue BUT, I'm a 69 year old retired lawyer and I'm very clear on why. The bank imagines this is going to be a long damaging scenario with millions of us defaulting on payments and they are reducing the possible damage IN ADVANCE by taking away the credit lines or worse yet, closing the accounts calling it "high risk". It's not a "good faith" thing to do and I will file a complaint with the FTC. None of us are high risk but the situation IS to the bank.

Terrible customer service- terrible bank. We have had Synchrony cards for over a year. Two with Rooms To Go and one with Care Credit. We have NEVER been late on any payments to them (or any other of our credit cards for that matter). Just recently they dropped our rooms to go credit line by $500. So even though we have been paying on it. It shows our credit utilization at 80%..

Do not deal with Synchrony Bank! I had seven different synchrony Affiliated credit card with almost $80,000 worth of credit limits between them. I have perfect credit. Never been late on any payment of any credit cards outside of Synchrony and or synchrony as of anything I make payments on. So yet they closed all seven of them at once, most of with zero balances but they were always used frequently and paid off by the next billing cycle, except 2 carried balances that were paid on the 1st of every month way earlier than the due dates. I Called the credit bureaus. All three of them no negative marks and in excellent standing.

I used Synchrony to buy my mattress about 6 months ago and they gave me a generous limit which I did not use completely. I’ve been paying on time and was almost at 50% paid. Out of the blue they lower my limit to what I owe. I call and they tell me it’s computer based and they don’t have any control. I think this is a statement on how they treat people during these strenuous times. Stay away if you can - this will certainly affect my credit score.

I had several credit cards through Synchrony Financial that I used on a monthly basis. The cards were Paypal, Amazon Prime, Lowe's, Sam's Club etc. These cards totaled probably over $40,000.00 worth of credit. My balance owed for all cards total was less than $3,000.00. I went online to make a payment on my Lowe's Credit Card and I was surprised to see that my account had been closed. I immediately called to see why this account was closed and was told I Was HIGH RISK. I told the Synchrony Bank service rep that surely something was wrong and this could not be correct. I have never missed a payment with them and that my Credit Score was in the mid to upper 700's. I was told there was nothing I could do that MY ACCOUNT WAS CLOSED FOR HIGH RISK. I was also told that I would be receiving a formal letter in the mail saying that my account was closed due to high risk.

On April 15, 2020 during the height of the covid 19 global pandemic Synchrony Financial decided without warning or notice or good reason closed all 9 credit card accounts, total available credit about $73,000.00. I had about $150.00 total balance across all 9 card accounts total owed. I have never been late, no missed payments, I have a 7 year streak of 100 percent of all credit payments made on time. I have a 740 fico score. I have total credit usage of 1 percent utilization. This permanently ends my business relationship with synchrony financial forever! I've got better cards with much better and more productive banks than synchrony financial. You decide for yourself. Be safe!

I had 16 accounts with Synchrony Bank all in good standing, always paid in full or couple of weeks before min. payments were due and always paid more than the minimum. To make it simple for you my total utilization percentage was only 1%. 4 days before they closed all my accounts on feb 6th, they raised my Sam's Club's credit line to $7000 (on feb 2nd) and in december of 2019 I was approved for 2 Rakuten (one pre-approved for $3100 and a platinum one for $5700). Also in early Jan I was approved for their Chevron visa card for $3000. The accounts closed were mainly Visa and Mastercards but including the Care Credit, Paypal credit and a few other accounts such as Lowe's and QVC...etc...the total credit line exceeded $83000.

Synchrony Bank closed 10 of my accounts ranging from $3500 to $12500 without reason. Some had zero balance and two had less than $200 balance. Lowes, Care Credit, Pep Boys, JC Penney's, TJMAXX, Sams Club, Ebay Mastercard, HSN, Amazon Prime, Daniel's. Caused a significant decrease in credit score. No notification was given.

First Off I have excellent credit. Spent years achieving what I have accomplished. I have several accounts always in good standing for well over 5 years. Have NEVER paid late, always paid more than the minimum if not paid in full each month. Today I get a notification from EXPERIAN that ALL my accounts have been closed. 13 to be exact. Some had small balances, and most of them have been used in the past year and have zero balances. This was done for no reason. There was nothing sent to me to let me know this was happening.

I received an alert from a credit reporting agency this week advising me that this company has decreased my credit limit. There is no obvious nor justifiable reason for them doing this and it was a huge decrease, going form $20,000 down to $6,000. They didn't even bother to notify me! Here are the facts: nothing has changed in my income nor employment, my credit score is in the "excellent" range.

Synchrony Bank just closed 16 credit cards I had with them ranging from $3500 to $20000 depending what card. I only had two credit cards with a initial 35 dollars on it and another with $50.00. I was told by representative to wait 7 to 10 business days to get letter in mail but he was nice enough to tell me it showed High risk on his screen. I told him I work for the federal government and everything was in guideline with all my credit card. But they don't care about messing up your credit score. It took me years to build it in the high 700, now Synchrony thinks that I'm a high risk due to possible Coronavirus situation that I may not be able to work and incur to my credit cards. Don't apply credit with them.

I've never missed a single payment for any of my cards. Out of a sudden, without any change in my financial life and without any previous communication, Care Credit closed my account saying that they see a high risk in my account! What a wrong way to treat a customer...

I applied for a CareCredit card to get a medical procedure done. My credit is not great, but good and my income is good, so I was approved. I received the card and everything but because of Covid-19 my procedure is being put off, so I haven't used the card yet. I get a letter from Synchrony (a month later) saying that my application was approved but they were "unable to assign" the credit line and they gave a few reasons. My credit hasn't changed in that month, so I don't understand. I also have an account with them through Amazon. I checked it and it seems to be fine. I've never had any issues with my payments there and have gotten good service if I needed to contact them so this comes as quite a shock.

In my experience this company has been the worst to deal with when it comes to their payment policy. When a payment is due they can clearly see when I log in to submit a payment but they take 2-3 days to process it. During the "processing" time they assess a late fee. All my other credit card companies honor the payment the day that I make it. This company waits until the payment has cleared before they honor it. To make a long story short, the newest accounting nightmare that they put me through... they just waived a $40 late fee and turned around and charged a new $40 late fee for the $40 balance that I had. If you waive $40, how can you charge a new fee on the balance that you just waived. Very disappointed in their "accounting" process. Not very customer service friendly. Feels like a very fraudulent way of doing business.

Had an hsn card through Synchrony had paid it down to about 40% owed. Then they just cut my credit limit in half so now it looks like it is almost maxed out. No reason just done it, customer service is a joke. Closed this account and looked at my other cards to see if they are part of synchrony and closed them too. No more business with this joke of company.

I have a credit score of over 800. I have over 7,500 dollars worth of credit with Synchrony bank according to them. Today I wanted to purchase a 502.00 mattress with no interest of 6 months and the credit card was declined. After they made me take a video, upload both sides of my license they told me sorry they cannot verify me or offer me the credit. I have no debt on any card and I make a good salary. I have never been denied before by them or anybody else. The manager Raven sounded like a robot and she had no thoughts of her own except to say a letter in 10 days will come explaining why they denied my credit. She was disgusting and had no thoughts of her own. When I asked to speak to her boss she told me that nobody would be available. There is an error somewhere and she had no skills to figure it out. I called back and they left me on hold for over 20 minutes so I hung up. Disgusted!!

I previously wrote a negative review regarding Synchrony Bank's failure to complete my external transfer, and their cancellation and delays cost me many days of lost interest. Yesterday, I was pleased to discover that Synchrony Bank DID provide a "concession to customer for lost interest" credit to my account. Adding this back-dated interest restored my faith in this bank and I now have no complaints. I appreciate the restoration of goodwill and the interest, and now update to 5 stars.

Heather an account manager was rude and nasty to me via phone. I made my payment AHEAD of time and she treated me horribly. Please pull this call. She began raising her voice at me. I spoke with Cindy and she did offer some type of assistance.

Synchrony charged interest on an account that did not yet have a payment due. When asking for payment relief due to the virus, they assess a late fee for any nonpayment & report negatively to cr bureaus.

Came to a payment agreement just a bit before the COVID-19 pandemic for an outstanding bill with a representative who told me if I needed to adjust or change anything with my agreement to call back anytime. Due to the current circumstances I am out of work and struggling, I called back to see if I could get an extension on my next payment by a month. After being left on hold for nearly an hour the representative came back with a hearty nope. Sad that a company like this can’t be supportive of their customers in this time of crisis. I wanted to pay the bill just at a later date, now I am forced to cancel the Autopay payments that will no doubt go into collections again. Shame on you Synchrony.

Me and my wife having multiple cards with this crooked company for many years and never missed a payment and always paid in full. Both of our credit scores are 780+. They closed all of accounts last week indicating we are risky customers. With extensive banking background, I say this is a nasty unethical loss prevention Synchrony did to lots of its customers. Basically in plain English they think you will cash advance all your credits and run away during this covid-19 hardship. What a great company. We have filed complaints to CFPD and can't wait to see what nasty response it gives.

I've been completely unable to get through to a Synchrony Bank rep on the phone for days now. Just completely, utterly useless bank. As soon as I'm done paying off a bed financed through them by Denver Mattress, I will never do business with that bank again - and by extension Denver Mattress.

While I own my own fault in this issue, I am still writing this review as a warning to any Synchrony Bank cardholders, particularly Lowes since that is the only experience I have with this company. If you pay your statement balance in full, even if you THINK you paid your statement balance in full by confirming that all your purchases have cleared, CHECK YOUR ACCOUNT the following month.

I have a card through them with Lowe's. I was preparing to make a major purchase for my office so I went to verify my credit line. Upon logging in, I realized they had cut my credit line in half. I had no missed payments. I had paid over the minimum payments. So for no reason at all, they just decided to cut my credit line in half. When I called them to explain why, all they would tell me was the bank made that decision. Before getting a credit line with them, please understand that they may change your credit limit at any time for no reason whatsoever. I do not recommend it to people who need a stable credit partner.

I used to love Care Credit until I made the mistake of my dentist wouldn't do zero interest and so I had to do it their way which they did 2 separate billings which made it worse for me because you must pay a certain amt on each bill which was 1 initially..the worst part is I already had zero interest that are already coming due and I had no idea that they pay the higher interest first with no deadline to pay. Now they could allow me to only pay my promotions so I dont have even more interest if not pd but no they are only paying my interest amounts and now I'm not going to be able to pay off my promotional for the first time in 15 yrs. So just beware. They don't care that I am a loyal customer and always pd on time until now. I will be closing as soon as pd or maybe bankruptcy because this is going to set me way back ....

Listen, I realize that the nation is in a free fall right now and the situation is very scary for so many people that are financially being hit so hard. I include myself in that category of people. Anytime a creditor works with you on payments, is a true blessing. And I am blessed that this company understands my pain and anxiety about being able to make a monthly payment right now. You should expect this kind of treatment from a business that you have maintained a good payment history and a solid relationship with; and they came through 100% in my time of need. Thank you Synchrony, You rock!

I never specifically chose Synchrony Bank, I would just do Business with certain online retailers and the credit card they issued came from Synchrony. Many of these purchases are just one time things, some are used more constantly like 'Care Credit' for my dentist. A few years I have been a customer, NEVER ONE LATE PAYMENT. And they just up and closed ALL my accounts. Suddenly I'm a 'Risk' 710 credit score. ZERO LATE PAYMENTS and now I'm a 'risk'. AND they dare to have on their website right now, 'Oh don't worry during this Covid-19 outbreak, we are here to help'. I will NEVER do Business with this SHAM of a company again.

I did pay half of my mortgage payment on the time and second half I did pay exactly 29 days after day of payment. They wrote I was late with whole payment and second thing is Was late not 30 days with payment but 29 days. They damaged my credit score by 80 points. They never ever sent any warning letter with mail. This company is out of human feeling. I spoke with them, explain them what happen to me and they did not care.

Synchrony Bank lowered my credit amount with CareCredit. I have had it for a good number of years. I was late just ONE time just recently and I got caught up immediately after that happened.. Right afterwards they lowered the credit I had been given from 2,000 down to $900. And this was just a short time right before I was to have dental work done and was counting on being able to use CareCredit. I literally think Synchrony bank cares nothing about their customers. When I called customer service they just kept pushing me aside and their answer was to make larger payments. I will never use them again as I am a widowed lady with a small income and can only make the minimum payments that they designed THEMSELVES for their customers. Late ONE time and boom I am shot down. They are a greedy company with their very high interest rates and penalty fees. DO NOT GET INVOLVED WITH THEM. It is nothing but GREED.

Ruined my credit score. I had several accounts with Synchrony Bank. Most of them I have had from 10-13 years. I have never been late with anyone, have never been near my credit limit with any of them and have worked really hard to have a decent credit score. On March 5th they closed ALL of my accounts citing "indicative of high risk of failure to pay". Amazing since all but three of them are paid off every single month and one of those is a 0% Care Credit and 0% PayPal Credit. I don't know if they got mad because they're not making any interest on me except for my Sam's card. That is the ONLY one I carry a balance on. I am beyond disappointed in this company. I don't know how I could have been a better customer unless they equate that to paying interest every month. It's sad because some of my favorite stores are connected to those cards but they will be losing my business.

Synchrony Bank is one of the worst credit companies I have worked with. I have had a CareCredit Card and PayPal account for years and now my payments are held for up to 2 weeks after receipt and I am constantly being charged late fees. I am now sending my payments almost a month in advance so they are credited at an appropriate time. Calling them and speaking to a human is virtually impossible. When finally speaking to a human I was told my bank is not sending payments on time, they do not hold my payments to "batch" deposits, which my bank told me they are doing, and if I continue to receive late fee charges, just call and they will reverse the late payment fees. Never had any of these problems until Synchrony took over these accounts. Again, calling them is a nightmare since there is no option to speak to anyone until you waste time listening to info that you can't use.

They cancelled my account without telling me. I was afraid it would be bring my credit score down, so I called to inquire to find out why they would do such thing. I called customer service and spoke with 2 managers. One threatened to hang up on me and the other was really, really, nasty. I recorded every conversation in full. If you decide to take out a line of credit with a company such as, Amazon, PayPal etc. please find out if Synchrony is the financial institution they use, and if they do use them...TAKE HEED....DO NOT TAKE OUT THAT LINE OF CREDIT! I believe it's a scam of some sort.

This is the worst policy I have ever heard of. If you pay a higher payment than you normally do they put a 14 day or more hold on your payment. I paid them on the 6th, the payment went out of my bank account on the 7th. Now it is the 13th and they said next Thursday it will supposedly clear. Why? It is tax season. People will have more money and want to pay off more money on credit card debt? I would like to speak to someone in America that can clarify what kind policy was made this way? I will find a better credit card company to work with, and with better interest rates. Maybe even shop at a better establishment that chooses a better credit card company for their loyal customers.

The menus are time consuming and it is very hard to get to a person that can help. I never did find a lost or stolen option. Then unlike all of my other cards they refuse to overnight me a new card. Instead I was told 7 to 10 business days. I travel for work so I need a replacement card in a right away. They also dropped my first call before I could even give them my number or any information.

As I have seen in other reviews, I had my Ashley/City Furniture account since the early 2000s. I had a perfect payment history and kept it on autopay. I had a small balance so I took off the autopay and paid the full balance. I got a letter saying because I had a zero balance, I would not have an autopay payment this month. I thought this was an odd letter so I logged into my account. It said I had no available credit and my account was closed- they sent me a letter about the autopay but did not even inform me they had closed my account. When I called the agent read a script where he told me it was due to a "periodic review" which makes no sense because both mine and my husband's credit scores have been going UP in the last few years. That is no way to treat a well paying long term customer!

I sent my Lowe's payment on Feb.4 through my bank. I received a late notice. I called my bank and was told that the check was cashed on Feb. 13. Now Synchrony bank says it will take 60 days to check it out. My bank faxed the bank a statement, but still no results.

Synchrony is a dishonest company and treats their customers like morons! I applied for their credit card on a 6 month promotional basis. At the end of the 6 month period I called them to ask what the payoff amount was? They gave me the TOTAL amount due to them...and I paid them in FULL. Now, they are trying to collect MORE money from me. They said that they were "sorry that someone told me something that was not correct". And, that the "verbal information that the agent provided" me was not binding. WHAT??!! It is very simple...I asked the agent what my balance for payoff was? The agent gave me the amount due. I paid the entire amount. Now, this company is saying that THEIR agent cannot be obligated to what he says to consumers??!! DO NOT DO BUSINESS WITH THIS COMPANY!!!

I have had an Amazon Prime Credit card for years, and have always had it on autopay so I've never been late on a payment. I had come close to getting it maxed out, and it had been that way for a few months, so I decided to make a chunk payment. Instead of the normal $100 I had set in autopay, I sent an extra $300, for a total payment of $400. They promptly dropped my credit limit $370. What a bobo company. I order a lot of stuff from Amazon, and put a lot on my regular credit card as well, but I am very tempted to just pay it off my Prime card, drop my Amazon Prime account and do something else for a shopping solution. I have had lots of credit cards and never had a problem, but this is the second time I've had issues with Synchrony. They jerked me around years ago on a Walmart credit card and I paid it off, closed it, and quit shopping at Walmart because of it. Amazon, join Walmart on my black list.

Closed my credit card account without informing me or giving me a reason. Will never open another account with them again. No issues with any of my other credit card banks or companies. Very disappointing.

I opened this account after an unexpected life threatening emergency after hours on a weekend because it was 3 am, surgery was needed, and it was the only option available at the time. Every negative review here is credible, and I have another level of underhandedness to add: I was making payments on time, online with my regular bank debit card fir months. Same one I’d always used with them that also worked in every other context, with a high enough balance to pay the existing balance off several times. They suddenly stopped accepting my card...even though it worked there previously and still worked everywhere else and still does. They said it was “invalid” but couldn’t say why it was only invalid with them. Went to supervisors, supervisors supervisors...some of whom were very rude, assuming I was a deadbeat.

Over the years I have had numerous cards with this company. As with so many others, I was always on time- usually early with my payments. I had an Old Navy card (twice) closed by them, my limits lowered affecting my credit score, and more recently two more cards’ limits lowered. The explanation I always got was about my credit report, while they agree my payment history with them is excellent- they randomly check my credit report! Wth?! Never have I had such nonsense happen with any other company! You qualify for the initial limit and then you’re rechecked if you ask for a limit increase! I’m closing my accounts! It’s too bad they are partnered with such good companies because they will no longer have my business either! Bye, bye PayPal, QVC, Zulily, etc.!

I entered into a finance contract with Synchrony Bank to pay for an air conditioning unit in an emergency and the AC company offered this financing. We openned the account in August and in October we didn't get a bill and we called customer service. He said we had changed the account to autopay. We denied this and asked for the bill. He said we would get it within a week. It came 2 weeks later and our payment was late. They added a $28.00 late fee. I called to complain but got the run around so paid the late fee over the phone and was assured it would clear my account. The next month there was a $29.65 late fee.

Shopping on Amazon I was regularly hounded to try this cc. I did and within two months they lowered my limit to over two hundred dollars below my balance. I was still $325 under the limit. Fraud! I read they ALWAYS do this. BOO!

Signed up to cover tires etc, after the no interest period, they canceled card and are now charging late fees. I've never been late and always paid early. I consider this shady company, a bunch of crooks. I do not recomend this company of bandits. They are trying to stick me with late fees and massive interest costs. Think again.

I have had two cards through this bank, both never missed a payment, paid balances off and they closed my account and that caused a hit with my credit score. It seems they want to keep us bound in debt with them and to always keep a balance. No help from customer service the only reasons they could give me for the closing on my accounts were no activity in the past 30 days. I’m going to dig deeper and see what can be done about this company. It makes no sense and they hit a lot of consumers on the same day.

After a "random review of my credit standing" my credit line was lowered and of course subsequently lowering my overall credit score. Synchrony used TransUnion as an excuse and said I had a: "Lack of real estate secured loan information." "Average time since accounts opened is too recent." "Too few bankcards with high credit limits." "Average time since revolving accounts opened is too recent." "Number of inquiries was a factor in determining score." All of this after first granting me a credit line and then increasing said credit line and then mailing me a letter saying my credit line has been lowered... Out of nowhere this decision was made. I had not asked for additional credit, applied for an additional card nor missed a payment. Caution: the letter said "We receive updated scores on a periodic basis." I called them to let them know "I'll pay it off, but I'll never use their services again, period and full stop."

I set up my monthly Synchrony payment with my credit union. The payment is due on the 7th. The Credit Union automatically sends out the electronic payment on the 4th. AUTOMATICALLY! For some reason, in December Synchrony decided that because we live in the U.S.A. or the State of California or we like driving our pickup, the amount of the monthly payment will increase by sixty bucks. This is all stated in a change to the agreement that was sent via U.S. Mail. No e-mail notification, no phone call... NOTHING! Just a letter in the mail... Along with all the other sales junk that I get and don't care to pour over.

Opening an account and getting a good rate for a CD was easy, and renewing at a good rate was no problem. BUT, getting your money back, GOOD LUCK. We are still trying to get our CD transferred/cashed. Keep getting the runaround and will now have to call Consumer Affairs. Another CD is due in 10 days, and we are scared to death this $400,000.00 one is going to be even harder. NEVER AGAIN.

I was approved a year ago for some care credit on the 6 month interest deal. Was making payments. On the 3rd payment they tried to charge me a 28 dollar late fee. I got nowhere with them. I told them to kiss off. It affected my credit but I didn't care. This is about principle. My credit is good enough. I didn't' let them get away with it. Later I will pay them pennies on the dollar. You should never let anyone take advantage of you. Corrupt companies like this will take advantage of you if you let them.

I apologize but I am a little frustrated at the moment. Will be drastically reducing AmazonAccount orders. After spending upwards of a quarter of a million with this company, their Synchrony partner out of nowhere DRAMATICALLY reduced one of my credit accounts, SIGNIFICANTLY with ZERO reasoning. I contacted support and was brushed off to contact someone else. They acknowledge I have been great on my payments and essentially shrugged their shoulders and gave telephone numbers and pointed to someone else in other organizations. Then asked to fill out a survey, which was then 'lost' with no way to redo it. I'll be fine with pointing wallets somewhere else as well. Even if Amazon does not help me, maybe they can move away from Synchrony Bank. Anyone reading, go somewhere else. Please find 12 other to never sign anything with Synchrony Bank at all.

This company has closed every single account I had with them including the ones with zero balances. Their reason was that I was indicative of high risk to pay even though I paid the majority of them off every month and used a couple of them during Christmas. In January I paid off all the ones that had balances under $500 and the minimum payments on the larger balance ones. On February 6th they closed every single account which I found out when I tried to get gas at Sam's Club. No help from customer service.

After having 11 cards with a total of excess of 65k in great standings. This company for no reason shut all my accounts down. I’m a lender and own several firms and I am to assume because of being Latino I guess this bank rather ruin your utilization rate by closing accounts without any factual reasons. We are speaking with our council to begin a suit. If you want to join email me at **. These types of banks need to be shut down.

I have been with Synchrony for several years. I have spent thousands with them. Never had a late payment and always paid more than needed and paid off several other credit cards with them in full. I am beyond baffled how they can just close your account, despite it being paid in full and never in bad standing. Then they decided to decrease my credit limit by several thousands on one credit card. Which I have always paid on time with no negative marks on account. When you decreased my credit limit without my knowledge. Synchrony really screwed me. I’m that person that’s very careful about how much they spend by not going over a certain percentage because it is bad for your credit score.

I set up my account for my Amazon Credit card in Synchrony for Auto payment. I thought it would be easy and nice. BOY, I was totally wrong. I then got an email saying "You have to pay the bill". Geeze it was automatically setup. I tried to contact them but ROBO chats and ROBO call response made it impossible to contact them at all. I suspect it is so they can steal money. I thought about it for a while and tried to login and then got "even though I know the ID and password was correct" "Your information is incorrect". So I double-checked the login user ID and password. Yes, it was correct and no they said I could no longer log in. Boy, it made it so clear that they wanted to steal money from me. AND 90% of the time this is on the site. "Sorry, our app is temporarily unavailable. We are working quickly to restore access. Please try again later."

Took out Texaco CC issued through Synchrony. After paying off balance They reduced my limit to almost not worth having for an outside salesman traveling. Just kept for an emergency & hardly used it but if I did then I paid balance off. Now I get a letter saying they were cancelling card. After getting this letter it really made me mad as I was never late. Beware of their methods. Look at consumer negative reviews & you will see many negatives!

DO NOT open any credit card accounts with Synchrony Bank. I had a credit card that had been in good standing, completely paid off for TWO AND A HALF YEARS CONSECUTIVELY. One day I got a credit score notification that one of my accounts had been closed. Confused, I log on to my account, where the customer service representative was completely unhelpful by saying "I'm sorry, there's nothing I can do, I tried my best, sorry". So now, on my credit score, it has a severe derogatory mark saying a credit lender closed my account, even though there was NOTHING wrong with the card! It had an outstanding balance of ZERO dollars and had been that way consistently! They offered no explanation, refused to reopen my account, and have severely damaged my credit score.

Absurd business practices. First they mysteriously turn off my scheduled auto-payment, then don't send you a statement. You get hit with a late fee because you missed the payment you thought you had set up. I was fed up with their business and paid off the card in it's entirety, including the sham $25 late fee that was due to their corrupt practice. Next month another interest charge appears despite the card having been paid off. Yet again, no statement is sent so once again it's late, but now they sent it to COLLECTIONS. I was sent to collections over a matter of $10.57. Never in my life will I deal with this fraudulent bank or their credit card and what can best be described as consumer FRAUD. STAY AWAY unless you plan on checking your statement online every other day, because even if you set an auto-pay option, they will disable it and force you to miss a payment so they can then rip you off month after month.

My Lowe's credit card limit was reduced from $9000.00 to $1500.00 without notice. This is the second time they have done this to me. Years ago, I went in to buy carpet for a rental only to find they had reduced my limit and I was denied right there while checking out. How embarrassing. After that my limit was increased to $9000.00. I got an email from credit monitoring recently that notified me of a change. I went in to find the limit decreased to $1500. I called and customer service was apologetic, and agreed that it was a terrible thing to do to people. They do it all the time and without notice just because you have not used the card in a certain amount of time. I will never shop there again.

I spend several thousand dollars a month on my credit card and pay off the balance in full every month and have done so for decades. In the fall of 2019 I signed up online for auto-pay, instructing that the full balance due be deducted automatically from my bank account. First month it didn't work, which I discovered accidentally when I checked the account statement on-line. Customer service told me there was a one-month delay from the month of sign-up and perhaps I had missed that detail. I paid the entire balance due in a phone call and understood the autopay situation would work going forward. But it didn't. No autopay deduction was made the second month, which I again discovered only when I happened to check the account online.

I wrote & sent a $200 check to Synchrony Bank to pay my Q-card balance. I got a notice saying I didn't pay, so I was charged late fees and finance charges. When I researched it with my bank they found the check had been stolen, forged and cashed at Synchrony bank. No bank stamp just a scribbled signature. I complained to customer service, talked to the bank several times, wrote a letter and had my bank try to help recover the money. They all REFUSED to help and were so rude. I am canceling my account. Scammers & thieves!

I like to split my payments into a recurring biweekly payments. In my case I had a bill due date of the 22nd. However, Synchrony has a statement closing date at the end of the month/last day of month. What happens now is a that my payments after my due date after the 22nd will still count for the same month instead of the next cycle. With most credit card any payment made after the due date counts toward your next billing month. Not these guys! Your payment that I hoped to count towards the next just ends up in the prior month and less by the time my bill is due causing a late payment.

I applied for and got care credit card because I broke a tooth and needed a dentist asap and dentist receptionist recommended it. I had all but $325 paid down for the promotional period and found out my payments were not going fully to the promotion amounts..and then they started making my monthly amounts higher each month. I explained I had recently been unemployed and disabled but they would not work with me and have charged fees and interest (promotion was interest free) that is is now over $849 and is in collections! Horrible rude customer service and couldn't understand them either. NEVER USE A CARD ISSUED BY THIS BANK. They will screw you and sue you!

Horrible customer service and sleazy practices. My account has been restricted after 2 days from opening as they required more information. They sent me a form via traditional mail which I filled in and sent back. 1.5 months after I still had no news. Finally I received a message that my issue had been resolved. I could still see the restriction on my account so I called multiple times and the manager said that because of an alleged alteration they sent me ANOTHER form to fill in and send back and pray that they received in the the next 3 months. A bank that has no other form of background/identity check other than mail in 2020. It’s just absurd and tells you a lot about what kind of business you are dealing with...

About a month ago I signed up for a furniture card. I put over $4,000 on it because I bought a house and their offered interest free. I paid the entire balance off several weeks later on Jan 23rd. It is now Jan 31st and I'm being told that my payment was placed on a 10 day hold because it was over $500. I called into the customer service number and spoke to a gentleman who told me it's the rule and if I didn't like it cancel my card. I then shed to speak to a supervisor and she told me that that is a banking rule. I have worked in the banking industry for over 20 years and never heard that as a rule. That might be Synchrony's prices but not a rule. I have made payments for thousands of dollars and the most it had taken is 3 - 5 days. Horrible customer service, terrible process and their tedious are liars.

I wanted to transfer my matured CD and the interest to my other bank and verified it with the other bank and Synchrony Bank customer service rep. The interest was transferred after a few days but had to call about the original CD monies to find they wanted to verify my mailing and fiscal address even though they had it and I had just received a 1099 for the interest in my mail, they didn't intend on notifying me just letting my money sit in limbo. So I called and now will transfer after several more days while I'm missing out on interest (this is a large amount of money). I feel they don't mind taking your money in but do not want to give it back as long as they can intentional avoid it. Beware!!!!

Be careful, I purchased an appliances and open Synchrony credit card. I was paying my monthly payment, but there was something wrong with the amount, then I discovered there was monthly security card taking about $25. Imagine I am paying 50 and security card taking 25 from me when I will pay my debit? This is the worst experience that I have with credit card, it's a new way to suck up customer money. I am giving this credit card ZERO stars.

December 2019 Care Credit payments were 29.00 each month. My dog needed health tests and was told to pay upfront for 750.00. I had vet arrange for Care Credit to spread out payments. So they did arrange my schedule of $50. Per month. I paid the monthly cost until I left my job. Now I get threatened letter to pay all of $441.00 past due immediately or will take collection action. I called the collections dept. They pretended they did not receive my letter dated Dec 4th 2019, stating please lower finance charges. I mailed to: Synchrony Bank P.O. box 965033, Orlando,FL 32896. I will pay $154. when I get a paycheck from new job, which starts soon. Cannot repay $95.00 each month going from March on. My balance due is $ 1,733.42. I need help finding a solution. My rent and utilities are $1,641. I'm not earning anything to repay this old dog vet bill.

Care Credit through this company. This is the worst credit deal I have EVER entered into! How you get away with charging ridiculous "card security fees " and making people THINK they are getting an interest free loan for 6 months! REALLY???? That's a disgrace!!!! Enjoy KARMA! 0 Stars if I could!

This company is one of THE WORST to get financed with! I call in every month to pay my bill & the first 3 times I paid NO ISSUES!! Then every single month after I have had a entire hell filled journey to pay my mothers bill! Even after paying multiple moths prior with the exact same debit card! Then finally I had enough & me & my mother sat down to authorize me on the account to pay her bill, just to call in the next month & tell them that they had me only authorized as a one time thing!!!! Nobody explained this to me!!

These people give you a confirmation number for your payments so you assume you are all set. A month later they say there was a problem. They then charge you a 39.00 late fee and a $100.00 in finance charge. This company's business practices are a little concerning. To top it all off they let the Doctors charge the whole amount before all the Dental work is completed.

I have been using a revolving line of credit on Paypal called Paypal Credit for several years. I found out later that the department is managed by Synchrony Bank a spin of GE Financial. Long story short. I had a $2,750 balance on a revolving line of credit of $8,000.00. I noticed two interest charges on my last statement. One for about $17.00 which is expected because I carrying a $2,750.00 balance. Some with no interest for one year, 6 months and so on and so forth. I noticed an interest charge of $37.50 called December cash advance interest. Since I had not used my Paypal debit card or Paypal Credit for a cash advance transaction I called and asked for an explanation. After speaking with several people no one could explain the fee. I have degree in business so understanding a business transaction and a business fee isn't that difficult.

Just know Synchrony upped my card twice in one year. However, I missed one payment recently, I believe I was 10 days late when I saw the email, in-which payment was rectified by paying the entire balance which I do anyway, never the minimum or even half, always the entire balance. Checking my credit report this new year, I found this company reported me to the credit bureaus, the report dropped my score by 20 points. I do not recommend this card due to the fact they do not have their customers best interest and are in the business which seems they pride themselves of reporting you. In the future this card may want to wait a full 30 days of non-payment to justify their cause of telling on you. I will no longer be using this card. Happy New Year.

I once allowed my ex to use my credit for his dog which needed to go to the animal hospital. When I applied for him as authorized user, I added “for this purchase only” onto the application which was approved, thus modifying the contract to terms I agreed with. Well they went and changed him to a joint primary without my permission. They never closed the account after the first purchase and I even called 2.5 years ago to confirm the account was closed and told them I’m not responsible for anything. They instead transferred all of my credit with them to this card and allowed him to continue to make charges which they’re trying to get me to pay. I’m not responsible for someone else’s credit. I now feel like I ha e to sue them to get relief.

This bank is the worst to deal with. Customer service personnel are condescending and rude. Their policies absurd. The means to verify your identification if you want to speak with them about your account are cumbersome and often do not work, then you have to wait for them to mail you a letter with instructions. They love sending codes to a US based telephone number, which I do not have access to because I am at a military base overseas. They are impossible to work with and sometimes impossible to get on the telephone... have waited up to 1 1/2 hours on hold for something that needed to be addressed on that date. This bank does a lot of store card lending; I am in the process of closing each one I have.

We have been cardholders for a couple of years with Synchrony Bank. We have 5 accounts with them. My husband is a disabled vet and we use the Care Credit for medical stuff and we were late on our Lowe’s but not ever care credit or Sams Club. We paid off all of our balances in full and in doing so synchrony decided to drop our credit limits and instead of reporting the amount we paid in full to the credit bureaus they only reported the new lower credit limit, it would of raised our credit score if they had reported the true amounts paid in full. Today I just learned from Credit Karma that our care credit account was closed (0 balance/never late). When we called synchrony the agent couldn’t really help us. All she could say is a letter has been mailed with the reason, we are confused. We use this account for medical needs... I don’t recommend synchrony bank. Dissatisfied in California.

Charging me late fee when I know I send it 10-12 days before due. 4 times this has happened consecutively, especially when the total due was less than $400. We need to file a class action suit on these wrongful overcharges. These guys are predatory and have terrible client relations or communications.

After they took over Sam's credit account I was penalized. Having talked to sams club and Synchrony bank about my credit card that was pulled I am going to pursue consumer complaints. Synchrony could not accept payment even though payment was made but returned back to me. I’m told my account was pulled for this reason. I live two blocks from sams club and did the bills of our shopping there. I am now a Costco customer.

We spent well over $10,000 on the card and paid as agreed, had a perfect standing with the company. A week after paying the card off, they sent several advertisements with perks to use the the card, We are are not ready for any jewelry upgrades (period). So after a month they decided to cancel the card. We know the reason why but they decided to blame it on my credit. My beautiful other is the main cardholder, so why was my credit the only one evaluated and why would they evaluate a well standing account member. Do NOT get this card.

I purchased a boat from a Yamaha and their credit is done via Synchrony. I have had several episodes this year related to late fees, mostly because you can only pay with check and to make it an automated payment you need to ask for a document sent to You by mail to fill it out and send it back to them. I have done this 2 times and they never get it. In the meantime it takes about 2 weeks for them to get a check in the mail and by coincidence they always get it one day after the due date so I get charged almost $40 as late fee every time and if you complain they tell you that you signed the contract. They are not willing to help and is infuriating that in today’s day you can’t arrange an auto pay via phone or internet. Absurd. All seems to be designed to force late fees. I’m so frustrated, this is absurd.

I had several PayPal six months no interest Synchrony Bank, and they offered me 24 months no interest Easy Pay. I made a purchase for $600 using 24 months easy pay then they would post all my payments Toward the easy pay and not credit six months no interest, now by 24 months no interest easy pay is almost paid off and they charge me interest want to six months no interest. I called, and ask them to correct and they refused. They’re making me pay interest on six months no interest loans that should’ve been paid off already. Very sad, very unethical.

I applied for and was approved for a Synchrony card ($1500) last year when I decided to purchase a new washer. When I went to get the washer I was informed that I needed to get that store's Synchrony card so I applied again and got a $2000 card. 2 months later I was shopping for a new bed and figured I could use the original Synchrony card but went to pay and was told same thing so I ended up with 3 cards.

Twenty year customer never late & never missed a payment. During Thanksgiving I was Iate 7 days and Synchrony Credit sent to credit agencies. My credit score dropped to 720 or over 80 points? I asked rep why did they send to agencies for a first-time offense without any grace period, he responded like a robot… “late occurrence of any kind are automatically forwarded.”

Wanted to make our first payment on some furniture we purchased. Tried to get in touch with the finance department online and got bounced around from website to website. After 20 minutes on hold the operator couldn't answer my questions and was handed off to someone else after another 15 minute wait on hold. No apologies, no one seemed to care about my frustrations with the online service or their inability to answer basic questions. If you can avoid using this company to finance your purchases please do!!

Applied for a Lowe's card when buying 3 refers for rental properties I own and was upgrading. Filled out the form, and approved instantly. The deal was a 4 month and no pay, as long as all was paid when 4 months up. Good deal I thought, and 10% off. Well, SYNCHRONY or LOWE'S in computer entry, entered an address for me I did not have and did not fill out. Result, card never mailed, bill never came. So I called Lowe's and they had me call Synchrony. I found out about the error by SYNCHRONY! I did a bank transfer that day for the full amount for the refers, and they waived any late charges. OK. BUT on my credit report they trashed ME!! Reported that I was 4 months LATE, on THEIR FAULT. Contact and Contact them, and they do nothing to fix the error. STAY AWAY!! Customer service is terrible, non existent.

Customer service people can't tell you the difference between interest and fees. I've got $40 worth of "fees" on my card so far this year, without ever having been late, and they can't tell me why! They keep trying to convince me that fees and interest are the same thing!!

They refuse to give a receipt if paid in full. You have to beg then they tell you to call back in 21 days. I need my receipt now so I can show that I paid my bill to my parents that loaned me the money to pay it off. My bank statement doesn’t show I paid into Amazon so my parents don’t understand or know where the money went, which has cause a big fight with my family but what does Synchrony Bank care? They are a money making company that doesn’t care if families fight or lose everything. I don’t see why I should have to beg for a receipt. $4,144 and no receipt to show for it. Then they cannot email you any information. In a digital age they send you stuff by mail and you have to wait 7 days. After 21 days I can call and request a receipt. They will then decide if I can have one, then I have to wait another 7 days if I am approved for a receipt to get the letter in the mail.

While digging in to some budget issues, (After a long hospital stay), I realized I was being double charged for yearly membership fees, along with a app., I never ordered through the Amazon store card which is Synchrony Bank. I paid on time being a loyal customer for years, not realizing I was being ripped off. Amazon Prime refunded the fees. I was able to retrieve by check. Synchrony, however, has played cat and mouse, since Oct 8th, 2019, throwing the blame. They have stated they do owe me for many months, but come up with an excuse every time. The statements I ordered were to be sent within 14 days, which I've never received.

This bank continues to call me 3 to 4 times every single day for months now despite a block I placed on them & despite the fact I have never ever dealt with them and have no relationship with them. I would never do business with this bank. They are violating regulations regarding contacting individuals whom have no relationship and will be reported to the Attorney General's Office. For each call in violation they could be charged a penalty.

My husband got a 36month, 3year interest free card. Used it at Sweetwater. At 2 year mark, interest charged. Didn't know. Late fee charged. Tried to call. Long wait. Put balance on Capital One card. They are honest. I paid over the monthly payments for the 2 years also. No credit for paying extra. Don't get this card.

I worked very hard to bring my credit as high as it was. Synchrony bank told me personally that selling my Walmart credit card to Capital One would NOT affect my credit and that was beyond wrong. My credit dropped 56 points because it showed “account closed” because I paid it off and they sold it to Capital One. Synchrony bank is trash.

Got hit with a $233.53 interest amount because my promotional period ended!! I tried all morning to try and pay it all off with another card. Tried online, live chat, and on the phone. Would not let me! Checking and savings account only! BS! will never do business with them again. And will let everyone I speak with also know not to do business with them!

I have been a good paying customer since buying furniture in December 2017. I had 2 accounts with Havertys. Havertys uses Synchrony Bank for credit accounts. I had a $6,000 credit limit with one account paid and another with a paid down amount to $1,500. I paid my account on time by mailing a payment which never showed up as paid on my online account. So, I made a second payment on time on my due date on 9/11. I emailed the company several times inquiring about the payments that I made, where was the original mailed payment and also to applied these payments to both September and October.

I’ve had this store card from Synchrony Bank since December of 2017, nearly two full years. I purchased a living room set for my mother for Christmas on it. I then paid it off In full while it was still under the no interest terms. I did not use it until until May 2019 (5 months ago). I made another substantial purchase on the 6 months same as cash offer. I log in today to pay and find my account is closed! I’ve never missed a payment, I did have 3 payments that processed a couple days late and incurred $1 in interest on the card with a small late fee, but never any missed payments. When I asked them why, it was just basically stated they because they can. I had no notice, no email, no alert on my app until I log in today to pay it off before the 6 month cut off where I would then owe interest.

Had to get tires needed help as they cost over a thousand so Discount Tires sent me to Synchrony which approved right away. I never got a bill so I called them, looking back I feel this was intentional in trying to ruin my credit. I could not pay off balance in 6 months as I am on fixed income so in one month $100 was added to debt in interest! Now the tires will cost way over what they are worth!!! Horrible Companies both Discount Tires and Synchrony Bank out of Orlando Florida!!!!

My wife and I called on Sep 17, the last day we could pay off a promotional amount we charged 12 months ago. We spent 9 mins on the phone with the representative from Synchrony going through the process, me on my cell phone driving and my wife also on the line, conference'd in via my phone. The representative took our payment and explained to us that it would take 24 to 48 hours for the payment to show up on the account. Well the next day Synchrony closed out the statement and sent it out to us. We went on travel for a month and when we returned last week we were going through our accounts and noticed the balance on the Synchrony was double what it should be; we called the representative and explained the issue.

I currently have four separate accounts with them from various outlets. I always make all of my payments on time. However, I was late ONCE with this company on only one of my four accounts and they started calling me twice a day! They are ruthless! To top it all off, after being a total of one week late on my payment, they lowered my credit limit by over $3,000! This really hurt my credit score. This company has zero regard for its customers. I will be closing all four of my accounts with them. Never again Synchrony.

Yes, Synchrony has been great. They did take my Care credit card away (no Dentists would allow 1 or 2 treatments so it was too high for Care Credit) and I used my Credit card instead... It's high interest makes it hard to get it down. That's all true, However; Synchrony has been very good with me and me credit score is Great because of them too. If not for the Synchrony, things would of been so much harder for me, going without is also hard and more expensive often times when you can't fix your car without the cash, you know, things like that... I'm thankful and appreciative.

They deserve zero stars! I was going to open a Sam's Club Mastercard. I was being helped by someone at the Customer Service desk, and she called this bank to give more information as requested. Both her and I had to repeat the same information 10 times, and then she was transferred to a different person. The gal at Sam's told this man 2 times he did not have to be rude to her, as she was a representative of Sam's Club, and was helping to hear him. He REFUSED to talk to the gal at Sam's and I could not hear him on phone. So I told gal just forget it, that I don't want the card. She told the man on the phone what I said, and hung up on him. I would not have anything to do with this bank if you paid me to.

I open an Ashley Furniture account with Synchrony and had furniture delivered a year ago. I never received 1 item and the driver indicated that item on the receipt when I disputed the charge they denied me even though they see on the receipt that the item did not deliver. I closed the card and now I am taking them to court. DO NOT OPEN AN ACCOUNT WITH THIS COMPANY.

I have applied twice for a Care Credit card to have major dental work done. Each time, once in July and most recently, today, only to be declined. When I spoke with several individuals with Synchrony, including Eric the manager, Susan the supervisor, and a host of other representatives, including Tracy with Applications Processing, I got the runaround. While Eric and Susan told me their decision was based on Trans Union and not Synchrony, a letter from Synchrony clearly stated in black and white that the reporting agency (Trans Union) played no part in their decision, and that it was Synchrony's decision to decline me.

My father is 76 and disabled. I have used his Sam’s Card for years (2005). The local store recognizes me and I have identification showing my maiden name that matches his. His card was declined. We called to question it. The phone number and card are matched, have to confirm mailing address, date of birth, mother’s maiden name, and in order to find out why it was declined they want a PROOF OF LIFE VIDEO. Did they kidnap us? Ransom note? And they wouldn’t add my name unless my Sam’s card membership is under his name? Why are they harassing customers? He has a zero balance. They let me use his $30 in cashback funds. This is insanity!!

Live and learn by the school of hard knocks as usual. Like others, I wasn't made aware of the particulars this company is infamous for in its deferred interest practices on top of charging 29.99% and was charged $331 interest at the end of 6 months after failing to pay off the balance. Never been gouged by any other credit card company or financial organization in 40 years of credit use. I will never do business with this company again.

I complained in phone calls (which I recorded) to fix my Old Navy account because I had to change my password 18 times in the past year. They never did anything. I paid my Old Navy bill 10//3/19. I received an email that payment was accepted. I printed this out. 10/10/19, I received an email "payment was declined." They want me to pay an additional $25.00 for their error. Don't go near these people. I cancelled both my Old Navy account & Amazon Prime accounts so I wouldn't have to deal with them.

I paid this card off in full on October 2, 2019. I thought I could use the full amount again so I tried to make some purchases. My card was declined. I called Synchrony to find out why--they claimed that because my account was new they needed to make sure that my payment had cleared my bank, they were withholding my credit for 5 days. Newsflash, Synchrony--I pay you with my bank's checking account. Once the payment has cleared my bank I am unable to put a stop payment on it. This payment cleared my bank on October 4, 2019. I CANNOT put a stop payment on it. It is PAID IN FULL! I am reporting Synchrony first to the Better Business Bureau and then if that does not get results, I am reporting them to our state's AG office. Word of advice--don't accept credit cards backed by Synchrony. They are ruining me!

I purchased my first home in January. I immediately got offers from Synchrony Bank at 0% interest for home goods and such. I could never get a CareCredit card and boom got one. Fast forward 7 months to paying OVER what my payment is so I could utilize the 0% EVERY SINGLE MONTH and they lowered one card lowering my credit score. 2 weeks later another lowering it even more. NOW JUST TODAY A 3000$ LIMIT WAS LOWERED AGAIN TO 1000$. LOWERING MY SCORE YET AGAIN. I will never ever ever use another card from Synchrony Bank ever!! They are awful and they ruined my credit score????

Stay away from any kind of credit card with Synchrony. I was in the hospital, lost my job, and was unable to pay a couple of credit cards for a couple of months. When I was back on my feet again, all the other companies I dealt with helped me to get my accounts up to date, and I was within a couple of months. All Synchrony ever wanted was complete payment of any past due account, with all kinds of interest and late fees. When I finally got fed up with trying to deal with them, I just took their out, turned the accounts basically into a loan, and then closed the two accounts.

They lowered my credit limit to right about what my balance was and it screwed my credit. I am in the process of getting a mortgage and this definitely did not help me. I have never been late and for them to do this is horse **. They did not care at all. Once my credit rebounds from purchasing my first house and they try to raise my limit I am going to tell them to stick it in their **.

I know my account had been behind but I still continue to make payments every month, then when I was able to get caught up they close the account no letter or anything just closed, very unprofessional and not only that I made a double payment to them, when the account closes it messes up your credit. Think they care. Of course not, will never do business with Synchrony Financial.

Synchrony Financial sent us a pre approval on a credit card with 2% back on all purchases, no limit no exceptions or gimmicks. We have the actual offer on paper. So, we apply good deal right? Card comes, the entire plan is different. 2% back on only purchases under $299. And the 2% is only good until 12/31/19 then goes to 1%. Crooks doing business, bait and switch is still allowable apparently.

I’m self employed which means my income is sporadic. I haven’t had a late payment in over 5 years with any of my creditors. I recently found out Synchrony bank reduced the credit limit on one of my cards and closed another one ... closed the one with a zero balance. Says I had 4 things on my credit report to include late pays which based their decision. When I called them to talk to them they basically blamed the credit reporting system ... which If they would have read my report my score had dropped to high credit on my major cards due to work and my dept cards were small or no balances. I will never do business with this bank again If this is how they roll.

Had Evine home shopping card, and Evine was also ShopHQ and ShopNBC. Well ShopHQ/NBC has been charging me for past year and do has Evine all through Synchrony bank card, so Synchrony bank has been stealing my money every month for over a year. They send me to a foreign country and I can’t understand the people and they can’t understand me. We cannot get this resolved. They are trying to turn me into collections and still want me to pay a bunch of money. It is so ridiculous. If you have Synchrony bank through EVINE, ShopHQ, ShopNBC or even their PayPal card is through Synchrony bank watch your bill because they are overcharging and taking money that does not belong to them. They are crooks.

I pay my bill off every month... the problem is I don’t receive a bill in the mail and their online payment website is always throwing errors. It is 2019 and they don’t have a mobile app yet??? I call I complain they repeat my address and say next month I’ll get it in mail. They charge a 39.00 late fee because I have to call them to get my password reset or to make payment over the phone. When I talked to them today they told me the reason I can’t male payment online is because I’m using a mobile phone to do so and I need to do it from a pc... Seriously what if I only have an iPad or a mobile phone. Then she rudely told me she can't remove mat fee as that already happened a few months ago according to the notes when their website was down for 8 days.... ughh seriously I was so humiliated.

My wife bought a peloton bike who used these scammers as financing. Peloton has since fired them (shocker). My wife’s payment is 106 a month. She sends them 120. They began charging her late fees because she is “not paying as agreed”. Customer service is a complete joke. Do not use this bank. They are scam artists. AG Office and BBB only option at this point.

I am so happy Capital One is taking over the Walmart Credit Card account. My payment history with the card was stellar over several years. I had a small credit line and Synchrony Bank (when it handled walmart's credit cards) cut it down to something like $200. Never explained or told me why.

Already had a 15 month round with these ** over fraud on my J.C. Penny account. Jumped through every hoop and provided a confession from perp that they did the fraud behind my back, still had to pay the 5 grand back. Now Lowe's, bought dryer on 12 months same as cash. Need to pay 25.08 a month to pay off in 12 months. Minimum payment due 25.00. Bought a 2.74 cent item on revolving part of card. I paid the 25.08 plus the 2.74 that month, now minimum payment due next month is 28.00. I argued that if I pay 28.00 a month, I won't be getting 12 months same as cash, foreign ** didn't care. If you buy on time, don't but anything else till promo is over. H.D. has never done that to me in 20 years of doing business with them.