Synchrony Financial Reviews

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.

Ebay Mastercard by Synchrony bank is a joke. First of all customer service is in India. Second they will take your money but will not clear balance on a card for 10 days. They say your bank holds funds which is not true. Customer service is useless. Stay away.

They are the worst. They reduced my Walmart credit card limit. I paid it off and cancelled it. They control PayPal credit. I don't even know what am paying for. All they do is apply interest. Will pay it off and cancel it too.

Got a B&H Payboo card, which is through Synchrony. If you use your Payboo card with B&H, you get a credit for sales tax, which is why I want to go through that card. The limit was low, so I had to purchase equipment in phases. Made a purchase and paid the bill right away. The available credit didn't reflect the payment after two days so I chatted with a rep. She explained that they don't restore the available credit right away because they "want to make sure the payment clears". That's absurd to begin with because the payment was direct from my bank (and my credit score is around 750). I needed to add more equipment, and since the available credit was irrational low, I asked for a credit increase, which I got. Made the purchase, which was confirmed by B&H, only to find out later that day that my card was declined.

I got Synchrony credit card when Toys R Us got closed and their credit cards automatically transferred to Synchrony. I thought let's give it a try. But I was wrong. Their online website have lots of loopholes, like server is down, even if you set up autopay, payment will not go through. Hence I decided to close this account by paying balance in full. After one month of closing of account I received email of pending balances and they charged me 28$ late fee for pending balance of 49$. When I call customer care about this, they accepted their fault that some transaction which were pending was not present online when I close my account. All other credit card put these transaction instantly or within few days. But this bank website is very bad. Please don't get credit card from this company.

Had a credit card from Walmart through this bank. Had the card for 9 and 1/2 years with flawless payment history. Attempted a purchase with it one day and learned that it had been cancelled by the bank 11 months prior. I called and was told that it was cancelled because of inactivity. They never sent me any notification (letter/email/SMS) that they were going to cancel it, nor any notification after they had cancelled it. I have A+ excellent credit and this negatively affects your score. They had my email, home address, phone number, and couldn't spend 2 minutes to notify me somehow? Their greed prevents their capability to be decent people and maintain common sense good business practices. None of my contact info has changed in 20 years, so it's very easy to contact me. They didn't even try. They know that it affects credit scores and that's why they're so sneaky about it.

Every time I try to log in, regardless of day or time, they claim system errors. I can understand that they don't have phone service 24/7, but we should be able to do business on the Internet 24/7. This is the 21st C! Very dissatisfied.

I came to this site after searching for all credit cards own by Synchrony Bank. After discovering I had a several departments store cards that sold out to Synchrony Bank and since then I have had a awful experience and my credit score has dropped drastically due to Synchrony unfair practices of closing accounts after it’s been paid off and years of having credit in good standards and lowering credit limits to look like you are spending more and close to your credit limits. When you contact customer service they obviously do not have the the same system bec no one see what the prior rep did. And there are several different Synchrony numbers and not sure which to use. My credit has dropped since Synchrony got involved. And my experience is negative like most of the comments on here. I had, Toys R Us, TJ Maxx, Walmart, PayPal, Value City, Luxury Card in which fraud was involved with this card and Synchrony would not do nothing about it.

This is a warning to potential customers, this bank holds funds and does not release for up to 10 days. They say it's to make sure funds clear. Have had this account for over 2 years, and every, I mean every payment is held for 10 days. Bogus excuses, waiting to make sure funds clear, new account, they used every excuse to justify them holding funds and not making them available. Payments made by direct debit from my bank account, they have funds immediately. Can't believe they are able to get away with this practice.

I accept responsibility for a late payment. I don't agree with harassment at all but especially on the weekends! My payment was sent 5 days ago albeit 6 days late. I honestly forgot. Next to last payment. Can't wait to see what the new balance will be. I refuse to use this card again.

I had just moved my entire (substantial) savings account balance from another savings bank to Synchrony, except for a small residual amount of about $40. I had notified the losing bank of my intent to close the account and given its representative clear and specific instructions: 1. I would initiate the transfer of the residual balance in my account to Synchrony. 2. All the losing bank was to do is to deposit any remaining accrued interest to my checking account with a third-party institution. Having done that, I immediately initiated the transfer to my Synchrony Bank savings account of the residual balance in my account at the losing bank, as I had discussed with that bank's representative. Yet, contrary to my specific instructions, that representative deposited the entire balance in my account plus a few cents of accrued interest in my checking account with the third-party bank, reducing the balance in my savings account with the losing bank to zero.

Opened this up when our dog was seriously sick. Initially it was working out good but then we had an address change and then had to send in a power of attorney (so that I can speak with the representative because my husband is a combat wounded Marine that due to injuries cannot articulate his words very well therefore I have a full power of attorney) which has been verified and scanned after they first gave us two incorrect fax numbers to send it to but finally They found the right fax number and received it. Now the account is frozen because they are still so called working on document being scanned after lying to us and telling us it was completed and to also They claim someone reported the car being lost and that is not true. We simply had an address change and also needed to put a POA on file.

I took the interest free loan that was offered by my audiologist. I was told as long as I made my payments it would be interest free. I was lied to by Synchrony Bank. It is not interest free and I was charged over $1800 in interest even though I have made all my payments on time and above the minimum due. Stay away from Synchrony. They will not help you if you have problems. They don't care. They just want their money no matter who they hurt getting it.

While this bank pays competitive rates, the customer service leaves much to be desired. The website continually crashes and it is always an ordeal to reset your password. I have also had poor experiences with phone support and customer interaction as well.

My experience Synchrony Financial has been pretty good up until this point. When I receive a cards with a 0% interest promotional period, I pay whatever I so decide for the period indicated. With the KWIK COMFORT card on the other hand, stipulated on some fine print, which I am unable to locate on the website, indicates that if a single late payment is made they can charge me interest and decide the minimum they think I should pay. When contacted their collections department they indicate to me that they are unable to provide me with the agreement I signed agreeing to the above and direct me to their customer service department.

I have a Walmart store card had a $2000 credit limit. My card had this credit limit as of Aug. In Sept they dropped my credit limit to $1730 and didn’t tell me. I owed 1732 as of Sept billing and didn’t find out that they had dropped my credit until the end of Sept when I paid the card off. This dirty customer service. No reason to suddenly drop it just did it. I will remember this and will not do business with a scamming uncommunicative company again. I had four open accounts with them all paid off now because of this. They will screw you. Be warned.

I have had this card for a few months now. Got it to use because of a 90-day incentive period and a 0% APR period. I didn't use it for over a month, but had some bigger purchases and would have earned the incentive and some nice reward points with it. Well, 10 days after missing a payment (on my statement balance of $0), they cut off my credit card without any notification whatsoever. I couldn't figure out what was wrong. I went back through my statements to double check and found that indeed, they had charged me a late fee, cut off my credit, and began assaulting my phone with automated calls over a missed payment of $0 on a statement balance of $0.

I recently got a Synchrony Mastercard through Sam’s Club. I made my first payment less than a day late. I was charged a late fee but called the customer service phone number and I was automatically refunded a one time courtesy late fee. That made my day and I didn’t even have to talk to a representative!! Synchrony has awesome technology and automated phone system!

I decided to open a Synchrony account to finance a Bladen couch set from Ashley’s Furniture; Synchrony apparently released the money to them before the order was even confirmed. Still no confirmation, I have called in to tell them Ashley’s has no record of my order. Synchrony employees told me it is my obligation to cancel the order with Ashley’s that they have no record of. Fraud at its finest. I am absolutely disgusted. I called in to cancel the card protection (because it is obviously worthless) mind you this is two days after opening the account. They refused and stated the first bill has to be generated. Bill for what? The non existent order? I’ve been watching Rick James videos for the last 3 days trying to chuckle at this horrid situation. Ooohh and my credit score dropped 26 points. Even my 32K car loan was 5 points.

I took a Care Credit account out several years ago to help pay for a large medical bill. The charges were put on deferred interest. What Synchrony or the companies you do business with never tell you is that if you have any non-deferred charges your payment goes to those first, NOT to the deferred interest charges. Plus, you cannot specify that the payments go to the deferred amount when you make an online payment. You have to call in EVERY SINGLE MONTH! The first time this happened to me I was going to be charged an extra $1500 in interest - then I would have been charged more than 20% interest on that interest. I had to borrow money from a friend to pay off the amount. Now I have to call in every month to make sure my payment goes towards the deferred amount.

I called to have a credit card mailed to one of my business partners on a business account and they said in order to send a card to a different address that I had to change the business address. Where is customer service, not at Synchrony Bank. I asked to speak to a supervisor. They said that there wasn't anybody higher than the person that I spoke to. Poor customer service, very poor.

Every month I have to argue with the customer service to reset my login information and when I am not able to login in time to pay on the day it is due, there is no grace period and my payment is $46 and the late fee is $39! Wow literally every month I have to deal with their site not working and their only option is autopay! Yeah let me connect you directly to my bank account when you can't even manage your website properly! Don't waste your time with them! I promise it is not worth it! The customer service is rude and not knowledgeable period.

I was unable to update my address change online. Over a 2-month period, I was told multiple times that they would send me a code and then I could call in with the code to confirm my address change. I never received the code. The entire time, my account was frozen. The customer service is outsourced to India, and they are completely useless. Worse bank ever.

Applied for 12 months no interest to purchase bicycle within the store. First it took at least 2 hrs for the store sales person to finalize transaction with Synchrony over the phone. I then setup automatic payments from my personal bank account and then Synchrony withdrew the full balance on the first month rather than monthly amount...So just a waste of time....

I purchased a mattress in September 2018, from mattress store, I was offered 0% financing if I applied for a Synchrony Financial (bank) credit card. I have excellent credit, and the idea of not having to use the money I have in my savings account AND being able to do this at 0% interest (if paid in full in 3 years) was a smart purchasing strategy. First off, I didn’t receive the 1st months bill which was due in November (unsure why they skipped October), luckily I called 2 days before the 1st payment was due to inquire about not receiving a statement. Once I get connected to a customer service representative, I find out that I only have 2 days to make the payment. I decided to pay over the phone, only to find out that they wanted to charge me an additional fee for doing so. I complained and stated that I did not receive a statement so how could I pay the payment, since I didn’t have any of the billing/payment information?

They have a dirty little scam they practice where they offer an instant credit discount off your purchase if you sign up with their credit card affiliated with several national stores such as TJ Maxx. They deny your application pending "Security Questions" to verify your identity! My Credit Score is in the 800's! I have never been denied credit anywhere at any time! It's a dirty little scam they play with the stores. They hook you in with instant savings but you lose those instant savings because of the "Security Questions." So they eventually give you the credit card, and on your next visit you get the discount. But that means your original sale has no discount, was paid for by another credit card or cash and you have to return to the store in hopes of getting the initial discount offered. DIRTY SCAM! Don't let them hook you. If you see Synchrony Financial as the bank offering the Instant Credit, they will play this dirty scam on you! Run - do not walk away from this bank!

Opened 2 CD accounts for higher interest rates. Easy to transfer the money from your checking account in a local bank. The bank keeps me informed of activity by email on a regular basis. I will be investing with this bank again.

I've been banking with Synchrony for more than 5 years because they offer the highest interest rates on savings, checking and CDs. They also have a good customer service. However, I'm still using other banks since Synchrony does not offer some of my personal needs.

Synchrony's six-month-same-as-cash scheme is bad news. I had two such balances on the account. As I paid down the first, I incurred the second. As it turns out, with the second balance, I was not paying my initial balance off in time, so I got hit with interest charges and fees. The first promotional balance that expired no longer appeared on my monthly statements! The representative I spoke with confirmed this. Your expired promotional balances are basically hidden--although stealthily accruing interest all the while. I would avoid doing business with this outfit. Not worth the time trying to stay a step ahead of their schemes.

Offered one of the best rates for online savings accounts versus my local bank. Their web based platform is also real easy to use. Transfers between banks is easy and only takes a few minutes to complete.

This is my second time using Care Credit. I used this under duress as I needed dental care and procedures due to a broken tooth and infection. I had no other choice but to suffer or agree to Synchrony's greedy and warped terms of service. This card is marketed specifically to people who can't afford a large medical bill as a way to help them pay for necessary health expenses. But, they charge an astronomical 26.99% interest rate after the promotion period. They provide just too short a promotional period to ensure that the balance cannot be paid off within it. Then they add the 27% interest rate on the entire charged amount. Thereby ballooning the balance and creating a debt that can never be repaid. This is the epitome of false advertising and predatory lending practices. SAVE YOURSELF - DON'T SIGN UP FOR THIS CARD - IT IS A DEBT TRAP!!! I have been a RN for 15 years. I have good credit. But I got duped in a moment of desperation.

I mailed official bank checks to pay off my credit cards. Checks were mailed on Tuesday. Chase posted the payment Thursday. Capital One also posted the payment promptly. As of the following Monday, Synchrony is the only bank that has not posted my payments. They should have been received by Synchrony no later than Friday. It's ridiculous. I also asked for payoff amounts, which I printed. One of them was supposed to be good thru August 4 (I mailed checks July 30). However, I received a letter on July 27 that was dated July 18 saying the payoff was only good thru July 28. What a joke. Thankfully I was proactive and made the minimum payment by the due date just in case, but this is a horrible way to conduct business. Synchrony should be ashamed.

I bought something from Amazon, a very large purchase ($5,500), and Amazon's finance arm for the merchandise was this bank. My payments were due on the 4th, I set up an electronic payment series from my CU on the 1st. Stynchrony (not a misspelling) charged me $38 late payments because they held the payments until the 5th. These were electronic payments; they take about 15 seconds to process. So, even if the 1st was a Friday and processing only occurred on business days, Monday would be the 4th and the payment would be on time.

Synchrony applies the payments we make to the previous month's statement instead of the payment date we made them for. Then they charge us a late fee. They are very difficult to deal with on the phone, secure messages, and chats. We are now taking this to the attorney general, BBB, and we are filing a dispute with the credit reporting agencies. I suggest that everyone that has a similar or illegal experience with this company do the same until this company goes out of business and the heads of this company either go to jail or are blackballed from being hired by any companies in the future.

Approximately 1 month after paying off my 3 accounts (CareCredit, Car Care (America's Tire), and Mattress Firm, they decreased my CareCredit from $1,500 to only $500 and closed my Mattress Firm and my Car Care accounts. I've had balances on all three accounts paying interest for 3+ years (never late) and they NEVER did anything but increase my limits. Now after paying them all off they lower my limit and close them! I will NEVER do business with these SCAMMERS again. I called them and they couldn't give me a straight answer. BEWARE they will use you for all the interest they can suck out of you and when you get smart and pay them off they will KILL your CREDIT....

I have several CD's with Synchrony Bank and a high interest savings account. Opening the accounts was very easy and the interest rates are very high for the times we are living in. Getting phone assistance has been very easy, without long hold times and help has been available whenever I needed help. I highly recommend Synchrony Bank.

Based on my recent experience with an Amazon card and late statements and bogus late fees, this bank sucks. 2 hours on the phone finally got 2 of 6 late fees backed off, paid the balance and will cancel as soon as possible. See all the negative reviews on this site and on The Rip Off Report. Also look up all the companies that use them, hundreds like Amazon, Walmart, Chevron, Cathay Pacific, Lowe's and call or email them and tell them their reputations are being tainted by using this company. Also tipped NPR to them, maybe they will look into it.

I was looking to put some money in a savings account someplace other than my regular bank. The hope was I would forget I have it unless I really truly needed it. There was no minimum deposit required. The interest rate is great; it seems to be going up constantly.

I have looked for savings that would earn money rather than just having my money sitting in my savings. Synchrony gives an interest rate of 2.127 % and an annual yield % of 2.15 %. I just put in some money to check them out and see how the process went. So far no issues and confirmations sent thru the process. It is done online and I have not spoke to anyone yet. I will put more in after the first month if all goes well. Money is back by FIAC. Hope this helps.

Online banking with Synchrony Bank is very user friendly. Phone customer service is also very friendly and customer supportive. CD rates rank in the top three online offerings. The experience provides relief and security to the customers.

Opened a line of credit at Ashley Furniture with Synchrony. I had plans to use it after completing home projects. Without notice, Synchrony closed my account. This took away my credit score points, a hefty amount. I was advised that nothing could be done and was also told to reopen a new line of credit. Absolutely stupid of them. I will never be a returning client. What is their business model? To close client accounts out? Dumb.

This is the absolute worst consumer bank ever. We've had several of our cards with at least 60% or more of available credit literally cut. I have an emergency surgery next month scheduled that I can't have now because they cut my available credit by $4,000. That was just the latest. We've paid down accounts to zero balance only to have the available balance cut in half or literally closed. STAY AWAY from Synchrony.

After intro rate 45% to 50% interest. Paid down balance to $800.00 with interest. Next month balance was $1128.00. Made a payment to payoff the thing. They didn't go thru with the charge off. Had to called up and cancelled. They screwed me out of another $70.00. My Advice is don't use it. Synchrony Bank is just as crooked as B of A.

Same as everyone else, as you pay down your cards they lower the limit or close your account, they are manipulating your credit score because they are so large many retailers use them so by driving credit scores down they can justify charging you higher rates! That is a predatory lending practice! Someone needs to file a class action against this predator!

We faxed overcharge of bank form 4/26/19. 6/3/19 we were funded $7314 and funds never came through. They held our funds due to our old bank acct was closed. We had already faxed the new acct info. (Claim they never received it) 6/7/19 we had funds $5658 which again were held due to old bank act closed. Then 7/11 we again had funds $4416. This time I was closely monitoring it. The funds never appeared. I called 7/16/19. Made them aware I sent over new bank info sheet via fax and had a successful transmission receipt both times 4/26/19 and 7/16/19. They had me resend the new bank info sheet 7/16/19. Normal process 24-48 hrs. Mind you at this point they claim they notified us via fax which is not true since we are paperless company and have no fax. (So they lied.)

I had $11,000 credit limit. Had cosmetic surgery. PAID OFF my entire account within 6 months and CARE CREDIT lowered my credit line to $600.00. I have no idea why when my credit score was higher than when I actually applied. I called because I had elected to get botox. I swiped my card and it was denied. That is when I was told my credit limit was decreased due to credit worthiness. IT'S A COMPLETE LIE AND BS. My husband and I paid the credit card off for a higher limit and stronger credit reporting which ended up being a scam. This company wants you to fall behind in payments and elect to pay a higher percent over time to gain more money for the company. It's a complete scam. The company was upset. We paid off our balance interest free and they didn't make money off of us. I WOULDN'T EVER RECOMMEND THIS SCAM OF A COMPANY TO ANYONE!!!! I would love to be included in a a class action lawsuit.

I've always had a Sam's Club credit card (Discover and now MC) along with my business membership. Mostly because you couldn't use any other credit cards until the recent change to allow use any of the major cards in Sam's. When Sam's first switched to Mastercard (Synchrony Financial), things went smoothly until I noticed a late payment fee on about the 3rd statement. I called and explained that I mailed the payment 10 days in advance. They came back with a very rude reply that they can't be responsible for the postal service. And, that the payment is not credited when it is received by them, but when it is actually applied. I persisted and they agreed to remove the charge.

Please do yourself a favor and do not open up a care credit card no matter how much you need the money. They dangle a zero interest for X amount of months in your face and then slap you with a 40 percent interest rate on the original amount when the "promotion" has ended. You end up paying way more than you originally put down. I had $20 left to pay and the promotion ended and they charged me $2,600 and wouldn't waive it.

I had made my payment in full and realized that I had missed the promotional card payment by few days, and I was charged interest penalty charges on that. So hoping that as a goodwill, I would get charges reversed, I called up the call center. They were outright rude, I didn’t feel like I was talking to customer care personnel rather a robot reading out lines, even the supervisor was no different. I had other promotional offers with the bank, I made a decision right away to cancel the card. I will not do business with any retail which has credit promotions from Synchrony bank. They sure did lose a customer for life. I will make sure, I will let the retailer know about it as well, why they are losing a customer of 16 yrs.

I first opened my Synchrony account when purchasing a new couch. I was offered 5 years interest free financing. I have paid more than the minimum payment each month, have never been late but noticed I was being charged late fees every month. I contacted them and they told me I always accruing those fees for paying my bill too early. Haha. After conflicting due dates from 2 different representatives I finally got that sorted out, only to find they dropped my credit limit from $1700 to $1200 for no reason, lowering my credit score.

I was shocked by their customer service. The woman actually laughed when I said I wanted to speak with someone else. She left me on hold a long time, then I was disconnected! She kept telling me to do the same steps over and over, on the phone, then online, and generally talked to me like a mentally handicapped child. She did not even listen to my actual problem, and kept trying to revert back to some generic formula, as if she was incapable of critical thinking. Their customer service used to be fine, before they transferred it all overseas. Her accent wasn't a problem, though. Her total incomprehension of the concept of customer service was, and is, the issue.

After many years of paying this account on time, the "institution" closed my account with no good explanation. I spent many many hours trying to get to the bottom of it, and was put on run around. It seems that my paying off the promotional financing didn't allow them to make enough interest off me and I probably wasn't profitable enough for them. Treated me like junk in the end. The humiliation and insults from a desensitized response "team" added insult to injury.

Had for 5+ years card with Walmart/Synchrony to build credit after a bankruptcy. They closed it without letting me know because I hadn’t used it in 9 months. Here I was trying to protect this company due to identity theft. Put a block so thieves wouldn’t steal from them and they drop me! There was no unauthorized use as stated in the letter under reason for closing account. I was trying to protect it!!

They offer many promotions like 6 months equal pay, deferred interest for 6 months, etc. I use them often. It has been working out very well. Until I used their 12 months equal pay promotion. I used it on a single purchase. But because the 3 items in the purchase at Amazon are from different sellers, each item showed as separate item in the account in the amounts of $196.90, $172.38, and $5.89. So I was expecting to be paying $16.41, $14.37, and $0.49 each month for 12 months. I have other deferred interest promotions on my account. I keep track of them all in a spreadsheet to know how much I need to pay them every month to avoid interests. The 12 months equal pay purchase was done in October 2018. So the items shows up in my November 2018 statement. That's all good and fine.

What credit card company on Earth, in 2019 won’t allow a customer to make a payment online via debit card?!? Synchrony Bank, the monster conglomerate that runs the Lowe’s credit card. I'll be closing my account.

Be aware! I've just had The worse experience with Synchrony Bank. They are not in anyway responsible for account balance issues that occurs because of their system‘s failure! They charge you with extra interests and you can do nothing! You have to pay it! Only thing that they can do when you call is just apologizing! You have to call the customer service constantly and watch your credit all the time. But that doesn’t even solve the problem. Avoid this credit company! It is the biggest mistake to get involve with their credit.

For the last several months now my wife and I have been trying to resolve an issue with a payment dispute. When we made our first payment to Synchrony Financial 3 months ago the payment never reached Synchrony, was stolen from the mail and the check was cashed by an unknown individual. It is obvious this was a crime but our bank honored the check and never really fully reviewed the way it was cashed. In trying to resolve this issue, and before our bank will provide us with a refund of $500.00, our bank has requested that Synchrony respond by letter as well as complete an affidavit stating they never received the payment.

The only time I have a problem with Synchrony is when I do a balance transfer to pay Synchrony off. The payoff amount posted to my account on the 13th of June yet on the 19th of June Synchrony says, "we know nothing of the payment." Somehow they hold pay-off payments. I decided to go in and schedule another payment for the pay date as I believe they hold balance transfer payments thinking you don't have money and it will make you late. This isn't the first time this happened on a balance transfer. I have the Sam's Club World MasterCard through Synchrony.

I like the 2% rewards but that is all I like. Whenever you call it takes about 5 minutes to navigate through all the menus and get to a person. The problem that Synchrony cannot fix is a crucial issue. They don't send mail to my correct billing address. Because I take my credit score extremely seriously, I find it crucial to be able to receive statements. Ever since 10/24/2017 I have been calling to correct my billing address. The issue is I receive my mail at a BOX, NOT A PO BOX. Synchrony keeps adding the PO in front of the word BOX.

I've just had my second bad experience with Synchrony Bank. I was notified that I didn't make a payment last month. I called and was connected to a person with a heavy foreign accent. I informed her I had made a payment and had a confirmation number. She said she would check, and came back telling me I had scheduled that payment to next month. But since I had never been late before she would waive the late fee. Here's the kicker, I had to pay $129.00 for some reason she was unable to provide me.

I’m am so frustrated with this company. Have had an issue for over a month of a payment of $74! Sent record of payment from bank. Called every week, told it would be fixed. Last night June 10 spoke to a woman that apologized and said payment would be applied. Just called. It’s like starting over. No record of payment and now the balance is double. I have done all that I can but yet every time I call it’s starting from start again. I want to file a complaint against Synchrony bank. I have never had such issues. Horrible. I will never ever use card or company again. I wish I could scream. I’m so frustrated. Please be aware. They have no idea what they are doing there.

Paid my BP credit card ahead of due date and was charged a late fee for paying too early. True and purely asinine! Customer service call was a terrible experience with excessive background noise and person was difficult to understand. Credit card was locked out of use for payment ahead of schedule.

This company prides itself on promo purchases. However, if you try to make an extra payment, you cannot. It will cancel out your other payment and you will get charged ALL THE INTEREST AND FEES no matter what you do!! I called and was told I had to make an extra payment after but that it would cancel the next payment and to read my agreement. This company is shady with their practices. They prey on busy people who don't have time to login every damn month to check that their payments went through. HORRIBLE COMPANY!!

This company is the most illiterate company I have ever seen in my life. They are an awful company, I cannot even call them a bank because they are horrible at their job. This company punishes anyone who pays off their loan. My mom had a rewards card with this "company" and she paid it completely off. They decided to close her account and say that her loan balances was too high. How is the loan balance high when there is a no balance on it. They have illiterate workers there and it is very disgusting. I am extremely upset.

I've waited for over 2 (TWO) hours on their "CHAT" to get someone to chat with me, and they were helpless. When I asked for a supervisor, all I got is a blank screen, and I've been waiting for over an hour again, with nobody to even respond if there's still anyone on the other side, am I in a queue, when I will get some supervisor to chat with me. NOTHING!!! The MAIN problem I have with this clueless bank is that they take money out of my account a few seconds to minutes after I use my card. That is "automatically done", and is as fast as cyberspace could be.

I had this account for 4-5 years and never missed a payment or was ever late. All balances have been paid off before they were due. Out of the blue, I get notified by my credit watch, that my account was closed. When I call customer service, I get "call the credit bureau." This is outrageous, just because I have some high balances on other cards my credit score dips down, and they completely close the account, even though I had a zero balance. All they tell me is they're sorry I feel that way. I have several other accounts that rely on Synchrony Bank, and I will be zeroing them out and never using a Synchrony product again!

I recently took out a small personal loan to pay off balances on a few small credit cards to improve my credit score, consolidate some small debt and lower my monthly out of pocket expenses. Well I have waiting patiently for everything to report on my credit and today it decreased 38 points! When I looked to see why, it showed my Synchrony account had decreased my credit limit by $500! I was confused as to what I read and thought it was a reporting error but when I returned home and got my mail I had a letter confirming it had been decreased. Apparently, this company punishes its good paying customers for being responsible. I have been a customer for 1.5 yrs and always made my payments on time. What a despicable way to treat your customers.

I got their credit card a 6 month deferred interest for six months. It has been over a month and I still have not received a bill or my Credit Card. I have called them twice and Keep getting the run around. They wont let me pay my bill because I haven't activated my card, but I cant do that until I get it. As soon as I get my bill I'm paying it off in full. I just know they will try and screw me over if I use the 6 month pay off. DO NOT USE THEM!!!!

The ONLY reason you get 1 star is because I can't give 0. Your company deserves a negative star. I am a military widow with 4 kids. I opened up a discount tire account to help ensure emergency help for my car to ensure transportation for my vehicles and safety for my children. I was NEVER LATE. PAID OFF ACCOUNT within months of using. Never making minimum payments. Always paying over to come home to find an account closure notice because I have bad credit. NOT WITH this creditor, not with my mortgage, not with my vehicles but just because my credit score dropped after hospitalization and job changes. It is TOTAL slap in the face that you receive YOUR MONEY TIMELY and then you close the account.

For the love of all that is Holy, do not under any circumstances do anything with Synchrony Bank involved. If for any reason you do, I demand that you go through your own bank and file it as a fraudulent charge to get your money back. Those paper checks will never, ever arrive. That's how they make their money - fraudulent credit strangling, and refusing to reimburse you for money paid.

I’ve had the same experience as others have mentioned. I’ve got a couple of cards from Synchrony, never paid them late, kept my balances low and without notice they lowered my credit limit and hurt my credit score. For one my cards they closed the account as soon as I paid the balance off. My goal is pay off each card I have that Synchrony services and never use them again.

I have had the card with Walmart for about 3 years and have never made a late payment. In fact I often paid it off in full. My limit was recently reduced from $300 to $100, right AFTER I paid it in full. I requested a $200 increase after the payment and the reason they give for reducing was my credit score. I have been dealing with identity theft issues ('cause of my credit plummet) and explained this to a supervisor and then to the customer manager —not sure who hired him— who states he is the top person I am able to speak with——.

Spent 10 days in the hospital. My Walmart and Amazon card (both Synchrony) payment are due on Sunday, so I get out of the hospital Monday and pay them that afternoon. So I'm all up to date and go to use the card. Sorry both accounts have been closed for "late" payments. Not any 30 day lates, but late as in making an electronic payment Sat for a Sun due date and finding out Friday @ 2.01 pm PST is "late" for making a Sun payment. So I call Synchrony and explain I was in the hospital, "Sorry we DON'T CARE. Your accounts are closed, your interest rate has been raised to 30% and NO we will not forgive the 2x $38 in late fees. And that $280 you just sent us (5% ish of my balance) well your balance INCREASED by $20. Have a nice day." Synchrony putting the P in Predatory.

I have had an experience with Synchrony which is apparently not an isolated one. As others have noted, they reduced my limit without any notice. They cited a high balance to available credit as reason for the reduced credit limit. I tried to explain that as I was paying it down, sometimes twice a month to get it down to the 30% debt to credit ratio, that reducing the limit was moving the goalposts and making it very hard to establish good credit on this card.

I purchased a bed from mattress firm and was given 0% interest if paid within 1 year with a Synchrony credit card. I made all payments on time, and avoided paying any interest by paying the account off in full before the 0% finance period ended. In fact I had a negative balance after over paying. Without any notice synchrony closed my account.

Their invoices can easily go to spam and if you elect to accept invoices via email, you can miss an invoice and they charge $35 for a late payment and will only reverse such costs once in a year. I paid the full balance and canceled the card as do not appreciate that abuse!!!

If I can give them zero stars I would. My father has had this account for over 3 years. Pays it off way before it’s due. Never late, never missed and they closed his account. This is where it gets interesting and I hope it helps people. They stated that the reason for the closure is because they run the credit every month and his score supposedly dropped. Yet they reported to the credit bureau that he called and closed his account. Mind you my father even has an American Express account in excellent standing so I ask them for the real reason and they couldn’t give me one. All you get is India speaking people that look for every excuse. When asked to speak to a Spanish rep I was told they could not accommodate that request. After looking at my dad's credit reports we have seen a hard inquiry every month for the past 3 years from this company. They are a scam!!

Would not recommend this card to anyone. One of their cards I had For a little over 2 years. Paid more every month than what was due on it and was never late. Thought I was building my credit. At approximately one year they cut my credit in half and currently I only owe $125 and they closed my account. I have never been late. And they have ruined my credit rating for now. The other card I have with them has a small amount on it and once again have never been late and pay more than is due. They dropped The credit limit on that card right after I received it. So I know it's only a matter of time before they close it so I need to pay it completely off. They are not worthy of being in business and would like to find others in a class action lawsuit against them. And I have never been in a lawsuit against anyone Before but something needs to be done about them. They are worthy of no stars.

I’ve just found out recently about Synchrony bank, having the same issues as others on here. Saying I never made a payment, when I have proof from my bank. All of a sudden... oh yes I did, but they added a hefty interest fee! Won’t take it off. When I get my few cards paid off, I will no longer use them. It baffles my mind how many stores they have. Just check out the list. They certainly have a monopoly on the consumers! Beware to all. Check the list before opening a new credit card. I believe they own just about every single one in my wallet!

I have several store cards with Synchrony Financial and I always pay on time, no matter what. I had to use my credit cards more than what I like to but I paid them off a few months ago. As soon as I paid them off they started closing my accounts, dropping my credit score in a very significant way. They do this every year. I will never open another credit card that is offered by Synchrony Bank. They only care about the money they make on interests.

I can't believe it but I made a mistake and didn't pay off my 0 APR card by one day and was hit with the entire deferred interest amount. I immediately got upset and went into the "credit cards greed" mode and started masterminding how I was going to get out of this. I then read all the reviews and saw that I probably had an uphill battle. After all, the rules are the rules and I made the mistake. I decided to try the online chat to ask if they could help me out and was connected to a wonderful agent (in India by the way) and simply stated that I paid off the card a day late and wondered if they could help me out with the deferred interest. To my amazement the interest was waived. I couldn't believe it. So, it is possible to have someone overseas give you great service and help you fix the problem, THAT WAS MY FAULT TO BEGIN WITH. Thanks Synchrony. You have a customer for life..

I have a number of young Synchrony accounts. Around 6, I have a young credit file, that is considered thin in history. However while most started with just small starting limits of around $200.00 to $400.00, over a 9 month period they have increased my limits from $200.00 on one card to $1k, another from $200.00 to $3k, another from $500.00 to $5k, another from $700.00 to $2k, one is still at $700.00, while the last one went from $400.00 to $800.00.

I have just been charged an interest amount of $1,124.00. A doctor's office asked if I wanted to open a Care Credit card which had no interest for 12 or 24 months. My choice. I said sure! The administrator applied for me online on her computer. I set up auto pay right away and paid $250.00 over the minimum for 12 months. I thought it was that time for me to pay anything over and when I went to my account I saw this charge and almost threw up. I spent over an hour on a live chat with someone overseas. The grammar gave it away. I explained this was never disclosed to me that if one day over the 12 months I would then be charged 29.99% for all of those 12 months! What crooks! What a scam! Shame on me that I didn't even know their interest rate is 29.99%! Isn't that against the law? Didn't Obama do something about the credit card price gouging? That's beside the point.

I have had to use credit cards more than I like. I finally was able to pay several off. Soon as I did so Synchrony started closing my accounts. The excuse given was reports from the credit bureau, but I have no late payments, delinquencies or derogatory marks. They're just not getting their 26.99% interest any longer. This has now happened on 3 cards that I paid off. I now try my best not to do business with them, but they own most store cards. I have PayPal credit, which I pay in full each month. I am expecting that to be the next one they close, so I will beat them to it. Every time they close an account, my credit score takes a hit. Disgusting company and business practices.

I had a WalMart card through Synchrony with a $2000 limit and always paid on time. I made the mistake of running the balance up, but while still making my payments on time, paid as much off in a large sum as I could. As soon as I made that large payment, Synchrony lowered my limit, with no notice or reason given. I made a second large payment and Synchrony lowered my limit again, this time, to 200, and again with no notice or reason, which hurt my credit score. I closed the account and will finish paying it off, but I will never do business with Synchrony again. I have a card with Discover that I have paid in the same way and each large payment has resulted in a raise to my limit, not a decrease, so there is no excuse for Synchrony lowering my limits with a history of paying as agreed, on time, every month. Consumer beware. Synchrony's practices are, in my opinion, questionable at best.

Every month I make my payment before the due date. Last month my due date was April 28th and I paid all of my bills on April 1st period. I was informed that my next bill would not be due until May 28th period. Today is May 10th - I called to make my payment for May 28th and was informed that I have a double payment due because I was tantalized for a pain my April payment to early. My balance has not gone down and now they are charging me $220 a month payments and I have never once been late.

This company is the worst company we have ever dealt with. We pay every month. If it is one day early they apply it to the month prior and give you a late late free. They play games with your money, it has been a nightmare. I am just sick over this. We have never missed a payment and have over $200.00 in late fees. We are disputing this. Call me if you have any questions please call me. Mike

I was approved for an At Home credit card. I have 3 other cards issued by Synchrony Bank. I was able to use my card exactly 3 times for purchases, nowhere near my credit limit. I called in 7 times, in one night, not to mention the prior 3 times I called earlier in the week, to verify my identity, I have all calls recorded. I have never been treated so disrespectfully in my life.

All of their customer representatives are overseas, and at times, it is difficult to understand their English. We are working to pay off all of our debt, and we wanted to keep only two out of our four credit cards. Discover is one that we are keeping because they are all Americans, and they have been wonderful to do business with. We have very good credit, and Synchrony wouldn't even negotiate lowering our interest rate down from 25 percent after being a customer for several years. We were able to get a card under 10 percent with discover.

I have had a CareCredit card for a while and only used it for one procedure at at time but this last time I needed cataract surgery and dental procedure. This added several different charges which had various "expiration dates" for no interest if paid in full. I made out a budget where each amount would be paid within the expiration date but then I got a message that I had a promotion balance that was going to expire in 60 days.

I have had a Belk card for years never missed a payment. I recently retired and paid the account off. Find out my account is closed by this awful bank. Never missed one payment, owed them nothing, I told them it's discrimination and am considering getting an attorney. It's just the principal. Closing my account made my credit go down. The worst part was they waited until it was paid off.

I called customer service to find out why I was being charged $38.00 late fee when I was not late. I was told since I made my payment on 4/2/2019 that they applied it to my March bill. My original due date is 4/27/2019. I was told I need to wait a week or so to pay my bill so it would be applied to the proper billing date. I have paying my bills at the first of the month for 12 years and I have never heard of this.

Synchrony Bank took over 3 of my accounts. First thing I noticed was interest rates jumped from 19% to 29% and 26%. I had never missed any payments. I track my credit and have been working diligently to increase my credit score. However, once Synchrony got involved they immediately lowered the available credit to the balance owed thereby maxing out all of the cards. I paid the balance down as I didn’t want my credit usage to be high lowering my credit score. Synchrony Bank again lowered the available credit to the balance thereby maxing out the cards and harming my credit score. I was shocked that a company would deliberately harm its customers but it's Synchrony, they are predatory to put it mildly.

The company adds in interest until the end of the loan, but isn't willing to defer those charges if it's paid off early. I'm not even sure how that is legal to charge interest over a period of time that wouldn't be used if paid off early. I understand wanting your money, and the interest, but it's good business to work with customers that want to pay things off early.

Never deposit YOUR money into Synchrony IRA CD despite their rates being a teensy bit higher. I had an IRA CD maturing on 4/19. I sent in the appropriate paperwork by Next Day Air which they received which included a request for $10K less 15%. The lady said they had my paperwork, all was in order for my withdrawal. It can take 3-5 days to process because we are so busy. Expected that it would arrived by today when my property taxes are due. Not in the mail so I checked their website. Says I called 4/19 negotiated new rate, no pending transactions. Thanks for making a problem for me I didn't need. NEVER BELIEVE WHAT ANY OF THEIR REPS SAY. I HAVE 1005 BAD SERVICE EXPERIENCE and now I notice they aren't even accredited. I am going to try and find a way to get my money out of there without paying a penalty. Made me feel stupid.

I was a victim of identity theft Oct 2018, PNC National Bank alerted me. I then checked all other credit cards and notified the credit union. I found out 1,400 ck was cashed, my DL was scanned, it's been a nightmare. My mortgage was auto deducted from the credit union. I received notifications that Nov and Dec mortgage was withdrawn from the credit union acct. The problem was since there was freeze on the account (that I knew nothing about) the transactions did not complete, the money did not cross to Home Point Financial.

Whatever I purchase on Amazon, when the bill comes I pay my purchases in full, except for those purchases who have a promotional deferred interest and become due at a much later date, currently such one is November 27 of this year. In my February statement on the purchases/debits I had $173.82 in purchases and an unknown $11.64 interest charge. I called the bank and asked what this interest charge is about and they were quick to waive it.

I would never seek a loan Synchrony Bank/Care Credit again. I received dental surgery in the amount of $2000. Care Credit offers interest-free if you pay it off within 6 months. I planned on doing that and then got laid off. Now, 2 years later I am back up to $3000 because of "deferred interest" charged to my account. Even though I have been paying $100 per month all this time. What the heck! This is as bad as going to a loan shark. Don't ever borrow from them unless you know FOR SURE that you'll be able to pay them off quickly.

I wanted to make a large purchase on eBay and PayPal advertised on eBay at checkout that I could get 0% for 24 months if I used Paypal Credit which is through Synchrony. I applied and was approved for over $3,000 for an $885 purchase. When I went to complete the transaction it would say I cannot use the credit. I call Paypal and they say it is fraud protection and that they have no option to override. I tried for three days straight with today being the last day of the offer and no way to make a purchase which was the only reason applying for the credit in the first place, which I was approved for the credit. A little too convenient if you ask me.

Had a Synchrony Bank loan for a boat purchased in 2017. Monthly payment plus extra paid on time every month through autopay. Traded boat for new boat in 2019, and dealer paid off Synchrony balance in full (well in advance of next monthly payment due date). Received confirmation letter from Synchrony Bank that loan has been paid, security interest in collateral has been satisfied and thanking me for my business.

I had this the Synchrony credit card for about 2 years. Paid my balance and the credit card closed out the account. This is one of the worst credit cards to get with a high interest rate. Consumers stay away from this credit card. Don’t sign your life away. Trust me, worst company to do business with.

I have had my Synchrony Bank Credit for card for 9 years and 8 months. They were always great until recently. I used to have a $1,800.00 credit limit with them for approximately 5 years. After I paid off the credit card and they were no longer accruing all the interest I had been paying for all those years. I went to Walmart to make a purchase that was just a little over $100.00 and my card was declined. I was so embarrassed, thankfully I had my debit card and was able to pay for my groceries and call the credit card company and that is how I found out they had lowered my credit limit from $1800 down to $100. I was extremely upset because the card was literally paid off only 3 days earlier and I received no notice.

I've had my Amazon credit card through Synchrony Bank for years. It has always been on autopay and has never been late and then out of the blue they lower my credit limit. From over $2,000 to $800. No warning, no letter, nothing. I tried to speak with customer service and they say they can't help me without the letter they sent, which I never received. I also have my CareCredit card with them that's on autopay and a Walmart card with $100 limit that I pay off every month. I also just paid a couple other credit cards off and my credit score is on the rise. Why would they just lower the limit? And now after reading other reviews here I'm afraid they will close the account for no reason too, which will make my credit score lower. Customer service is rude and not helpful at all.

I made the mistake of getting a CareCredit card when my dog was seriously ill. Paid it OFF within the promo period (almost $500 in 6 months). They CLOSED my account. Called to complain, they said it was because it had a 0 balance! They said I could just reapply (I did, because my daughter needed glasses). Paid it OFF again -- again within the promo period, and yep -- they CLOSED it again! TWICE! Excuse this time, they ran my credit (even though there should be no need to since I had not tried to use it) and it had dipped below their standards. WOW. I guess their standards are that you must use it alot, not when you need to. I will NEVER do business with Synchrony bank cards again: paying off my Old Navy and Walmart cards (which I rarely use anyway).

I chatted with a representative about what I needed to do to keep my account open BEFORE it closed. I was told to fax a letter stating I wanted to keep the account open. So I did so the following morning. Well 5 days later after I faxed the letter I get an email saying my account has been closed. So I immediately call to fix this situation and keep my account open. I was told it was closed more than 24 hours ago. I stated, "Then why am I receiving an email today if it was closed 24 hours ago, so now you can’t help me?" I explained I spoke to someone 5 days prior explaining I wanted to keep the account open and that I faxed what they wanted way prior. And why send me an email 24 hours after you closed my account and not allowing it to reopen? So unprofessional.

My father became seriously ill mid 2017 and used his Amazon Prime account to receive medical supplies. At one point the card was declined and I let him use my checking account info. He passed away in 2017 and a recurring charge is taken from my bank account monthly and I can’t get info on the balance and they won’t stop the payments. My bank states they can’t stop the payments and Amazon (yes Amazon) if you use this bank Amazon, you are complicit in this ridiculous scam. Today I will close my account I’ve had for 10 years because trying to get a company to do the right thing failed.

Three times in the past month, their fraud dept has rejected legitimate charges and "frozen" my card. They do not notify me when they do this. The first two times I called and "unfroze" the account by verifying the purchases. The third time, they needed to send me a code, but claimed my mobile phone was not in their system, though an agent assured me he would register it on a previous call. They also claimed my landline was not secure, since it was VOIP, which it isn't. Now, I have to wait for them to send a snail mail letter before I can "unfreeze" the card again. I have been told various obvious lies through the whole process. Stay away!

I have had an account with them for furniture via National Chain. In December I overpaid the final payment which meant I had a credit. In January I said just send me the refund which they did. Went today to use the account and shockingly was told my account had been closed. I could re-apply though for a new account. Literally 0 notice and within 2 months of the refund. I was told that I was "high risk"... That floored me. No late payments in 3 years And I had overpaid but yet I am high risk... Never again. I'm still in shock and said I'd rather apply elsewhere vs re-apply with them. Left the $2500 I was going to spend at the store which made the salesperson unhappy. Anyone ever had that happen? I'm just shocked & frankly annoyed over the whole thing.

So I am trying to figure out how Synchrony Bank could still be in business and wondering as anyone ever considered a lawsuit against them? I really wished I had researched this bank and seen all the negative reviews. Out over 200 reviews about 95% are bad or negative. I happened to visit a furniture store thinking I was getting a great deal, 2 years to pay off about $2700 with 0% APR. I pay every month, sometimes way more than my minimum payment in perfect timing to pay it off prior to the expiration of the promotion.

Let me tell you my story about Synchrony Bank/Amazon. I made a 2nd (that month) payment on my Amazon Account from a small account I was closing out, so on the 27th, I decided to go in and verify that the payment made it before closing the account. The payment made it but there were two large made on the 26th purchases for speakers (just under $600) that I did not make, I had not received any email receipts or any other notification like I would, had I made an ordinary purchase. So after more than an hour of phone calls with an individual with very limited English skills, I believe that I had closed that account, had a new one opened, and disputed those fraudulent charges. Just the beginning.

On January 2019 I paid my balance in full, cancelled my card, and destroyed it. On March 27 the cancelled card came back from the dead with a new balance and a late fee. Apparently Amazon Prime was continuing to draw from the Amazon Store Card, despite me cancelling the Store Card. In an honest world, Amazon Prime should have received a "declined message" from Synchrony and it would be up to Amazon Prime to either track me down to get a new payment method or cancel my membership. Instead, Synchrony used predatory lending practices to bill the consumer with late fees allowing Amazon Prime to continue drawing from the Amazon Store Card well after the account was closed and card destroyed.

I had the worst customer service experience of my life! After this experience, I will be letting every business I know and person to not associate with Synchrony! I've been waiting to receive a CareCredit card since 2/28/19. I was referred to open up a CareCredit account from my health care provider for a surgery I have coming up on 4/5/19. After not receiving it within 7-10 business days, I called 18998937864 today (3/27/19 @ 2:23 PM PST) to confirm why I hadn't received my card in the mail yet. I talked to Patt who said that I should have received the card by now so she was going to cancel my current account, open a new account and get a card rushed to me so I would get it in 3-5 days since my surgery is on 4/5/19 and need the card by then.

TERRIBLE CARD. HORRIBLE CUSTOMER SERVICE. 29.99% INTEREST. I had an unexpected repair on one of my vehicles that came to over 2k. I had the Synchrony card for a few years and had been using it to finance a couple of large repairs. I had a balance on the account and didn't have the room to add the new repair. I decided to make a $2,000 payment the morning of 3/20/19 (when I brought my vehicle in for the repair). The funds had been cleared from my bank and accepted by Synchrony within 48hours or so. But they haven't released my available credit STILL. A week later and I still don't have access to those funds. Absurd. If I had known it was going to take that long I would have just paid out of pocket.

The people at this bank are unprofessional ripoff artists including the people that they have working for them. They're all partners in crime. 30% interest rate. You do business with them for years. Right out of the blue they ask for your tax returns to verify your social security number. A bunch of **. They have no idea what they're doing as long as you're paying the bill. That's all that should matter. They shouldn't need all that information. The other banks don't answer that they want to pry into your life. They want information on your tax returns. It's none of their business. Verify your social security number when you done.