Synchrony Financial Reviews

They lost to charge the $40 additional late fees every month anyway they can, if you try to pay by phone they have tricks that doesn't allow you to make the payment on time. Later on they call to let you know that you are late, you explain that you made the payment over the phone and they tell you little tricks that you did or didn't do right. No matter what is a scam to get your additional fees all the time.

I have four cards with Synchrony Financial and paid off each account early. Twice after paying off Balance in Full with Musician's Friend and with Kiesel Guitars I was assessed an additional charge. True.

This experience with Synchrony Financial has been, and continues to be, an absolute nightmare. Without going into the history of the concern, suffice it to say that the issue has reached the point of my having to engage an attorney to act on my behalf, both with Synchrony and with the fraudulent merchant. My attorney and I have sent FOUR affidavits of representation to Synchrony Corporate, at the address and FAX number they specified, in order for them to deal directly with the attorney.

I was going to purchase a block and tackle from Walmart online. When I got to the check out screen I was prompted to apply for a Synchrony Bank CC for which I would receive a cash discount at payment. After filling out the application completely a popup informed me it could not be processed "at that time". The letter that arrived a week later stated that after reviewing my name, my address, my telephone number, my Social Security number, and my credit report they could not verify I was who I said I was. I am not sure who they think I am, but I closely monitor all my credit and financial accounts and see no indication of identity theft that would trigger this action.

I've had my Synchrony Bank PayPal MasterCard for about 2 months, and I saw the reviews and it freaked me out!!! So I called customer service, and asked, "What influences your credit limit going up or down," and the guy was so well spoken and intelligent and knowledgeable about the subject, I learned a lot!!! Like whether you're buying jewelry versus just food can make a difference to your credit limit, whether you take out a mortgage or maybe just apply for one or like it sounded like he was getting at like what other things can change your assets or spending money. And I am not sure what's going to happen to my credit limit, because I was offered this card after making a big purchase just through PayPal credit, but I've only been using the MasterCard to buy food...

Once they took over my account from Lowe's they claimed I had asked for paperless invoices since 2014. I had NOT. I had always received paper invoices from Lowe's prior card provider. Got a late charge notification at my email, but never received any invoice paper or paperless invoice. I checked that account. They took a late charge of $25. that they made happen be sending no invoice. Thieves! Avoid these bankcard scammers!!

I have two cards from them, a Walmart and an eBay credit card. I've had these accounts since 2017. Now being only one payment behind, threatening a lawsuit. This company is garbage with poor customer service. They need to do a much better job in working with their customers taking into consideration we go through hard times from time to time.

Synchrony bank just lowered my credit limits on 3 of my cards? I’ve paid all of them on time never late and each card was below 20% of my credit used? They never advised me. I found out because my overall credit took a hit due to my balances being lowered now making it look as if I’ve exhausted my credit on all cards! This is a bully tactic and completely unfair! I kept my promise and paid timely... so why penalize me? I see hundreds of complaints about them and yet nothing is done! They are misleading the credit agencies and making good people appear negative when in fact they were not! Credit is earned and so long as you're meeting your obligation... why would a company just abuse their power and single handedly destroy their consumers' credit ratings?

Going through a credit settlement plan for certain credit cards, We only kept limited credit card accounts open for emergencies. Synchrony Bank decides to close all accounts that we have paid on and is/was in good standing with. We only kept certain cards open for emergencies. But since Synchrony Bank decided to close the accounts that I wanted to keep open, I plan to tell people if they are looking into getting any cards in the future, make sure it's not through Synchrony Bank. They will close accounts without reason, even if you have always paid on time and have never been late. SCREW SYNCHRONY BANK. Good business call Synchrony!

This company is complete trash. I have paid my bill on time for OVER 2 YEARS and they will not settle. They have made more than my original health care costs. Their interest rates are utterly ridiculous and they prey on desperate people. Avoid at all costs. If you don't pay it off in the first 60 days you will be screwed and your balance which was half paid off will return to full. The customer service sucks and they are terrible people. I will never recommend anyone to use this disgraceful and shameful sorry excuse for a company.

My husband and I opened a credit account with Mattress Firm last year to purchase an expensive adjustable bed. We were told we had 60 months to pay interest free. We set up automatic payments so we will never be late. All payments have gone smoothly on schedule. Separate from this account, we held a Care Credit card for emergencies. Well, today we had an emergency dental situation. We were grateful for the card! Unbeknownst to us, our Mattress Firm balance was transferred onto our Care Credit card. We had very limited credit available to use for the emergency and were forced to use funds for our house payment. Now we're upset about the transfer of accounts, knowing over $3,000 of available credit was taken from us. How is this even legal? We want to be included in a class action lawsuit. How despicable and corrupt this financial organization is.

I called in two weeks ago steaming about making a payment. They wanted so much information about the account that it was if the women was sparing with me because I was upset. DIDN'T CARE FOR THE PERSONALITY OF SERVICE PERSON. She was cocky. I wonder if at home knows of this treatment that they're giving THEIR CUSTOMERS.

I had a JC Penney cc this company closed the card saying lack of use. I just used the card a month ago and paid the balance off in full. I recently received a letter about my Amazon Card which, the balance was lower from 2000.00 to 100. I just purchased 30.00 of stuff on this card. Now my balance is more than 30% of the credit limit. I did google this bank and I found a list of companies they deal with. I would file a complaint with the CFPB...

I never opened an account with them yet in 2018 I got sued for a account that was opened in 2013. After calling them several times they told me they had no record of the account and they would take care of it with their collection agency. One month later I had a summons to court so I called again and was told that they had a record of me talking to one of their claims people but she failed to follow up with her end of fixing it so nothing was done. They assured me that they would fix their records and I went to court and explained this to the Judge and the collections Attorney.

We opened a CareCredit account with a limit of $7000.00, have always made double the payment and payments have always been on the due date or before. Imagine my surprise when my credit score drops 43 points in the middle of my home purchase! Only to find out the reason is Synchrony Bank has dropped my limit to $1800 ($300 more than my balance). I called the company and was paired with the RUDEST “customer service” agent I’ve ever spoken to. Do not use this bank for any credit card needs unless you want your credit to be impacted negatively!!!

I opened my Lowe’s credit account with a $6000.00 limit. Since then they have lowered my available credit 3 times in the last year. I have paid them over $2000.00 to lower my balance but every time I lower the amount that I owe, they lower my available credit and thus keeping my card at the max amount available. This tends to lower your credit score. They blame me for my credit score but they are effectively lowering my credit score by keeping my account at the max available credit every time they lower it.

Open a credit card through Synchrony Financial to buy furniture from Ashley HomeStores and we were told to get the best deal to put most of our furniture on one statement and the mattress that we bought another statement. The mattress that we bought had 12 months no interest not deferred and the other bigger portion had 72 months. We were told that our payments would be going to the mattress first for the first year and once that was paid off in the first year our payment would drop and it would start going toward the one with the longer-term.

Bad customer service. When I open the acct, I got six months interest free. I made my payments on time, after the six months I had lower my balance, then I noticed that I was charged all the interest for the last six months. Their interest is one of the highest! I will try my very best to avoid business with this company.

I have had the same experience as so many others - am a senior citizen, pay all bills in a timely fashion and HAD an 800+ credit score UNTIL this company sunk it. I HAD an account with a very high credit limit with them at a nice furniture store for years, always paid account to zero balance. Today I decided it was time for new living room furniture - unbeknownst to me my account was closed in June of this year by Synchrony “due to inactivity.” I called Synchrony - was told that I could reapply. REALLY? Who keeps a running balance at a furniture store? How often does one buy furniture?

Synchrony Bank handles the Sam's Club credit card. I advise everyone to stay away from this 3rd party. I have paid this account on time for years and all of a sudden my credit limit was lowered just out of the blue. I called to inquire and got the rudest spokesperson who told me nothing other than they review the accounts periodically and adjust the limits as needed. I do not have anywhere near the max on the card, have paid on time, as with my other accounts. I would never do business with Synchrony Bank again after seeing these reviews posted here. I totally understand what the others are saying about Synchrony Bank. If I know that they are involved with backing a company's credit card I will not do business with the company on credit.

Customer service was the worst I've ever experienced with any credit card company. I had a legitimate concern and to the extent I tried to explain my concern, I was met with the most arrogant and condescending tone, EVER! It is not only inexcusable to be blatantly rude but I'm done giving CareCredit my business!

I have 9 total accounts with them and they're connected to the same email address. On 2 of the accounts they send 50.00 off a purchase of 250.00 or more as a promotion here and there. I informed them before that they're sending them to the wrong email address and they verified the correct email but yet again they sent it to the wrong email address. I contacted them by phone and email 5 calls and 7 emails later still no results other than, "We are sorry for the inconvenience." Thankfully the only 2 cards with balances will be paid off in the next 2 months and then they're all getting closed.

This has been the worst customer service experience and customer satisfaction experience I have EVER dealt with. They kept forwarding me on to over 5 different people and my issue was NEVER resolved. I was completely shocked by after spending 45 minutes on the phone and talking to 5 different people that they could not even partially resolve my issue, which was totally feasible to do. Do not get a credit card through this company!!!

If I could give negative stars I would. This company handles the credit cards for Sam’s Club. On Sam’s Clubs website there was a promotion for $45 off your purchase if you opened a credit card. Why not... So on a major holiday I purchased a laptop and picked it up the following day. The first statement came and the $45 was not deducted. I called them and they said it would take 1-2 business cycles. I told them I was not going to pay any late fees because of this.

This company has reduced my credit on all my credit lines they have assumed and my husband's even though we pay perfectly and we paying them down! Now due to increased ratio of credit used on the accounts it has caused our credit rating to drop. This should be illegal. This company owes us most credit and should be policed!

Again "SYNCHRONY" has bullied me. I got a credit monitoring alert that my score changed. I signed on to check the change and it was Synchrony adding or updating late payments from about a year ago. I have late payments on all 3 reporting agencies and with different months... seems Synchrony has no clue what they are doing, My score dropped 70 points today because it took them a year to report or change the months on the report. Not only do they close your accounts and reduce credit limits they now access your report information 10-12 months after the fact and why?

All of my Synchrony Bank e-statements were bounced back as undeliverable. Got a letter in the mail for each account stating email not valid. I received every other statement from all other accounts. Synchrony is the only common denominator. Letters arrived past due date and charged me late charges on every account. Opened account pages online and the email address in every field was deleted by Synchrony. Very fishy.

Opened a new PayPal credit card issued by Synchrony Bank. Synchrony took a checking account and made it a default payment option without authorization. It’s like writing a check for a purchase at a store, applying for a credit card a year later at that store and then Synchrony using that checking account as a default payment account without your knowledge. They couldn’t explain it (account closed).

Account was closed without warning. I called customer service to find out why. I was told due to prolonged inactivity the company can randomly close people's accounts. I got the card for emergencies, which I haven’t had. I was basically told that I’m out of luck & if I need it to please reapply. Probably the most ridiculous thing I’ve ever heard. I would not recommend this to anyone.

My credit score is excellent and I always pay all my bills way before the due date. I try for Lowe's card. Here their reason: UNSATISFACTORY PAYMENT HISTORY WITH SYNCHRONY BANK. I ask professional advisor for help and what their decision was based on. First thing I did, I put on the application retire. Do have checking account and saving account. Was issue credit card for: Lowe's and QVC was approved. Had both of these cards and pay in good faith and "never" was late! I'm having issues logging into my online account.

They don't credit your payment so they can charge late fee and then you can't use the rewards because they won't credit your account with zero balance so you can use the card until the next billing cycle which then makes you lose the reward money that can only be used with this card.

It's nice to be approved for credit when you need things, however this company will choose to reduce your credit line or close your account without reason. If you are on a promotional rate, they will not notify you when the rate is about to expire and then will tack on interest from the date of purchase. They also disconnected all of my online accounts so I was unable to make payments online, then tacked on all these late fees even though I had always paid on time prior to them disconnecting my accounts. I do not have checks so I pay EVERYTHING online. This company is awful. All of my other credit accounts I am in good standing with and am even receiving credit increases.

Mavis Tires cobrands credit card purchases with Synchrony Bank by promising a $100 rebate for the purchase of tires when using their card. I made more than the minimum qualifying purchase and sent off the application and proof of purchase to Synchrony. Eight weeks pass and I decide to begin status inquiries. I am sent to a special website which displays only error messages after inputting my personal data. Three mode of communication are offered: phone, chat and email. ALL three are bogus. I then write directly to Synchrony sending copies of the application material and they tell me first to use the bogus website and then go complain to the Mavis store. Now my next step is to contact the regulators. Suggest to everyone I know, stay away from store branded cards that contract with Synchrony Bank as their credit card service.

I have always paid my account on time more than minimum. I have had my credit limit lowered $1000! Now I can't even get necessities. I am so upset over this. I so wish PayPal had never gone to this bank. They are horrible! They gave me this credit limit, then just jerk it away. That is not right.

I received the first part of July opening a account with Synchrony Bank. I open a Lowe's account and a Amazon account. I opened both accounts online and was approved immediately to use them. I have purchase things with my Amazon account so there is a balance that needs to be paid. But I have not been able to use my Lowe's account. I attempted to both of those to make a purchase and was embarrassed to find out that my account was not open and it was under review. The same bank that issue me the Amazon allow me to use it and then they closed it as well Synchrony Bank. I have made numerous attempts to try to verify my identity. I've called numerous times customer service to try to verify my identity via telephone. And they denied me saying that my phones are voice over internet phones. Regardless of if the phones are voice over internet phones. I have no control of what carrier uses what system for the phones.

They hold onto your money for at least a week. The funds are taken out of my bank immediately but it takes forever for the funds to be released in my PayPal account. To be fair, the department that handles my Amazon account posts within 2 days but for some reason the PayPal department is in desperate need of improvement.

They keep on lowering credit without explanation regardless of which service you go through (ex: Amazon, Lowe's). Say you get approved for $1000 credit line. You then purchase about $280. You pay on time, but don't buy additional items to save up for Christmas, birthday. If you wait too long, the attitude observed is, "Well, since they don't need that much credit, I'm just gonna reduce his/her credit line." It is outrageous and should be noted after being approved. I have never EVER had this problem with any other revolving account. And then once the account is closed, you will probably never get an account with them ever again regardless of your credit rating.

I bought furniture from a store name Couch Potato, the staff there was great! Synchrony mailed me my first bill and I paid EXTRA because I was given a certain time period with no interest. Synchrony never mailed me another bill after the first bill so I paid on the 11th 2 months down the line. 4 months passed without them sending me a bill so I called. I was told that my account was delinquent and that I owed late fees and interest was tacked on also. They also went on to tell me that my bill was due on the 5th, NOT the 11th.

I received a credit alert that my credit was updated. In reviewing it I saw that my Sam's Club account was closed, my 2 Walmart cards and my CareCredit had limits lowered. I called customer service to find out why. They read from a script and are of no help at all. I hung up frustrated, and began to look at reviews and lo and behold I was not alone!!! Apparently this is standard procedure for them. I called back to speak to a supervisor and even the supervisor was reading from a script and when I asked for corporate information I was given a PO Box address and told there are no specific people in charge.

It is the worst! I paid almost half mine off! They lowered my credit! I have never been late or missed a payment! I have always paid a little extra! When I called I was told they could do that! What the hell!!! What a crock of **! Customer Service was reading from a script! "You will get a letter!" You lowered my credit and I will get a letter! Why!

We opened up an account to purchase appliances being told they were "interest free" not interest deferred. Less than a year later, they tacked on back interest. Then, charged us a late fee on a payment that was five days early and reporting falsely on our credit report. We have made numerous attempts to call and talk to them. They just give us a runaround but never correct anything. Would not recommend them and would like to contact Consumer Affairs to see if we could get assistance on resolving this issue.

We had a few different accounts for stores and they were all through Synchrony Bank. We bought a couch and dinette set at Furniture Fair and paid it off. Then suddenly 2 months later they closed that account because of a change in credit score. The credit score change was because they decreased the available credit on the JCPenney card without notifying us. That was decreased because they had decreased the Walmart account credit availability. All of these accounts were or are paid on time with extra money, we dont make minimum payments. This company virtually sunk our credit score by about 80 points with their ridiculous shenanigans with the cards. As soon as I can pay them off I will close all of them. When I asked why they did this they said, "Well we do a routine credit report..." Ok I understand that but when you can see that your institution is what is causing the score to go down thats wrong. RUN FROM THEM.

Synchrony Bank is consistently reducing credit and closing accounts when they're paid. They have destroyed my credit rating. I suggest to anyone applying for credit, if it's Synchrony Bank run as fast as can... They suck and should be investigated. They destroy your credit when they close accounts and reduced credit. Do not be suckered in.

I notified CareCredit via email a week before my payment was due that I would be a day late. My social security check is deposited the second Wednesday of every month. I received nothing but a runaround via email. I made my payment through CareCredit website on the day promised. I did an online chat. The rep refused to remove my late fee of $27 because the same thing happened less than a year ago. This company tries to squeeze every last dime out of senior citizens. Run the other way. Don't use this card.

My fiancé and I want to buy a house, so I’m looking to increase my credit score and lower my debt to income ratio. I paid my TJX card off in full to start with the snowball effect (pay off the lowest balances first) and the next day, Synchrony cut my limit in half. I have never missed a payment and almost every time I have paid above the minimum payment. I’m afraid this could negatively affect my score, and now the limit is so low I can barely use it. Fixing credit is a monstrous task, and honestly, who punished someone for being a responsible cardholder?

I keep making payments, they keep rejecting the payments for some reason and charging me a late fee even though I know I have the money in my account. I seem to be having the same problem as everyone else. I feel we should do a class action lawsuit as someone else suggested.

I was a loyal customer since 2010, but noticed recently that they changed banks/rules. I noticed when I received my statement balance for the month which was $32. The minimum monthly payment was $29 which seemed odd as that was over 90% of the balance. I spoke to a rep who told me "that's the new rules", so I decided to stop using this card and fill up elsewhere. I log in on the due date to pay my $32 bill only to notice that it's now $81. They added a late fee + interest charges even though I was paying on the due date. My $32 bill was now $81. I contacted their customer service and not zero help. Each rep kept passing the buck and/or telling me "that's the way it is". I would steer clear of this credit card. I closed my account and will no longer be doing any business with them. I'll fill up elsewhere using other credit cards who don't try to rob its customers.

They keep rejecting my payments and charging interest fees. This has to be against the law. They don’t inform me when they “reject” them. They just add more money onto what I already owe. This is theft and completely immoral. Please help.

What a horrible experience. I bought furniture at Wolf's and opened a credit card for the financing for 2 years. The card was through Synchrony. Opened the card in Jan 2018. Never used it after the initial purchase as it was maxed out anyway. Card was put in a drawer never taken off the paper it comes on. In April 2018 I went to make my payment and noticed it was higher than it should have been. I looked and there was an $1800 charge on the card that I did not make. It was well over the limit so not sure how it even went through.

I would like to be involved in any class action lawsuit with this company. Paid balance off in full two years ago. Just saw they posted a $350 delinquent balance on my credit report. They will not provide invoices. This was for a one time emergency vet visit paid in full.

I use a Q Card for QVC purchases. I generally pay my balance off each month. I made several purchases one month for the holidays. I made payments on my card for the past two months. And then this month paid the balance off. Synchrony Bank is "holding" my payment although they acknowledged payment in full and my bank has authorized the payment for 5 days. First, I was told that the hold was because the amount of the payment was large. Then I was told the reason for the hold was because my bank might take back the funds. The representative I spoke to was smug and indifferent. My balance is zero (0.00) but I cannot use my account for 5 days. This all looks like a hustle.

Ashley Furniture HomeStore aka Synchrony Bank closed my account for no reason. On top of that, it's been a year and I've never received a credit card in the mail from them. When I called 877-889-0721 to find out why my account was closed, I was told because I haven't used it in a year. The rep was clearly overseas as I couldn't understand anything she said. She was very rude and basically said too bad and it's not their problem that I never received a credit card after applying. She refused to let me speak with a manager as well. She also said, “You can reapply”, as if I want another inquiry on my credit or to even do business with them at this point. Please do not waste your time applying for this card. It will hurt your credit in the end!

Like everyone here, I have had continuous harassment and unbelievable decisions made on my credit cards, every time I pay one off or don't use it, Synchrony closes the card and then sends a scathing letter saying my credit is bad. For this reason, my credit score has continuously declined even though I pay my bills on time and have no out-of-the-ordinary debt. I have no idea who to complain to and how to stop their awful tactics. Unfortunately, Synchrony holds most of the credit cards for businesses that I use but I refuse to use any of them any longer. So no Amazon, no Car Care and no J. Jill and no Gap. Their tactics are egregious and something needs to be done! Everyone affected should get together and DO SOMETHING!

While fixing my credit to buy a house, I paid off all of my Synchrony Credit cards: Old Navy, Walmart, Chevron Visa, Care Credit, and JCP. One by one they closed or lowered the limit to $200 from $3000 due to "bad credit." I got my score all the way to 700 from about 615. My two oldest accounts were Old Navy and Walmart and those 2 cards closing lowered my score back down to the 600s.

My husband and I are both account holders on our CareCredit card. Tried to use it last month for some vet services for our cat and the card was declined. I checked our account on their app and saw that our credit limit had been significantly decreased by more than half. I have always paid twice the amount due and have it electronically paid on the day before the due date, so I just assumed it was because we hadn’t used the card in about a year. Called Synchrony when I got home and was told the decrease was because of some derogatory marks on my husband’s credit.

I asked for additional credit with my CareCredit card, issued by Synchrony Financial. They added $1,000, but I had asked for $3,000. I already had a credit limit of $7,000. The reason I asked for this was for an upcoming surgery. Their excuse was I had a “derogatory charges; didn’t pay as was required; outstanding accounts; and poor credit score.” I filed bankruptcy (pd off ahead of time & 8 years ago); always paid on time & paid twice as much as minimum payment; no outstanding accounts according to Transunion); credit score is good & rising each month. I have credit through Synchrony for Zulily, PayPal, CareCredit.

Like others that had cards thru GE Money Bank, Synchrony has taken over a lot of them. I had a Walmart Card, PayPal Mastercard, Amazon Store Card, Carcare One, PayPal, Sleep Number, Regency Furniture Card thru them. Well I was having some financial issues last year and thru bad advance I had some cards go into a charge off state. I have been trying to settle the accounts. Of course, their call center is in India somewhere. I tried to pay the one card today and their payment system was down. My wife also had cards with zero balance thru them and those got closed. Some of my other cards, I never used got closed as well. I am going to finish paying off the rest of my cards and then I will be permanently finished with them. With all the bad experiences I see on this site, I would think a class action lawsuit is in order.

I have 3 cc's with Synchrony. Walmart, Care Credit and TJ Maxx. I was late ONE day in paying Walmart. I recently paid OFF my Care Credit. I also paid down Walmart and TJ Maxx. My plan is to zero out my balances to avoid their high interest rates. I believe Synchrony LIED to the credit bureaus and they sent me a letter stating that they closed my Care Credit because of a credit review and claimed that I was late with my payments. THAT IS A LIE. I believe that they are PREDATORS and since I decided to pay down my debt, they realize that they will not be making any profit off of me. They practice predatory lending and should be stopped. I want to join a class action lawsuit if possible.

Had a card through Care Credit that was taken over by Synchrony. Used it infrequently, kept it for pet and dental emergencies. All payments made on time, never a late fee. Went to use it only to be told it was denied. Called and was told it was closed for lack of use. No letter, no email, no phone call. Explained I was trying to get my credit score up, and by closing my $5000 limit account it lowered my score and asked to have it reopened. Was told they would not do this. Then suggested I could apply for a new card, but interest rate may be different. NO THANK YOU. Done with this bank. To any store/company that uses this bank please be advised you will not have my business.

I am about to contact a Attorney and file charges. They are the most dishonest and unprofessional bank I have ever done business with. The Attorney General needs to get involved and do a investigation on their Co.

Like many others, I had an slight issue remedied over a year ago due to a dental emergency. Now, all accounts seem to be closing one after the other lowering my credit rating - Old Navy paid off - closed, Lowe's, closed and each time this has an impact on my credit rating. If I was not paying the monthly payments on time I could understand but this is not the case. Please do not do business with this company. They will ruin your credit ratings.

I asked if they could extend my promotion to the deferred interest. I explained to customer service department and also the supervisor that I lost my job but that have I continued making my monthly payments. I asked for a small extension and they declined. I was never advised of this promotion when I purchased at Havertys furniture. They are only interested in making a sale therefore after being blindsided I am being charged an extra $1,500. Synchrony Bank didn’t try to help me nor made any suggestions. I am not asking them to blow off the balance... I’m asking for an extension to help me while I’m under a hardship situation. Synchrony Bank is Scamming the system. If they are already getting paid why can’t they extend a promotion? This bank is not customer friendly. They don’t care about their customers. I feel like they are consciously ripping everybody off. CEO Margaret Keane ARE YOU LISTENING??? You are scamming the system!!

Synchrony Bank randomly over the last three months has closed four of my accounts: Belk, Walmart, Amazon, Sam's Club Mastercard. On two of the accounts my autopay was turned off. I usually pay my accounts in full, but I keep the autopay in place to make sure there is never a late payment. Two of the accounts had zero balances. Of course, there is a drop in your credit score when they just close your accounts. I will never again do business with anyone that has Synchrony Bank as their credit grantor. They are way too unprofessional and random.

Opened a Lowe's credit card for a kitchen remodel and got stuck with Synchrony bank. I pay more than the minimum every month online before the due date. Although I have proof payments were made on time, they charged me a late fee on the statement just below the payment (showing on time) on the statement. When I complained they refused to correct it. When I told them to close the account. They did without a care in the world.

Synchrony Bank issued me a credit card for Amazon & Walmart 3 years ago (2 years after filing chapter 7 bankruptcy). They lowered my credit limit twice after pulling my credit report. I was late once (30 days) on one card 1.5 years ago and late twice (30 days) on the other. I recently paid the full balance on both cards and didn't use them for a few months. They recently closed both of my credit cards stating that my credit score was low. My score was A LOT worse when they issued me the cards in the first place!

They say they will eventually set up a new account - but over 10 days later I still can't log in.

SYNCHRONY FINANCIAL is the absolute worst company I have EVER dealt with. We purchased a mattress from Mattress Firm and the financial institution utilized was Synchrony Financial. I paid the 1st 2 payments from an electronic payment through my bank - we had no issues. The 3rd payment transferred a day after the due date. I was charged a late fee but never notified of the late fee, until 90 days after the initial $27 fee was assessed. When I called to discuss the person from India stated that the company would refund the initial late fee along with 2 additional late fees that the account incurred after I made the first call to correct the initial late payment. 2 months later I received a delinquent notice and I called, again spoke with someone in India and they said that the could only credit the late fees but the principal balance was still due.

I recently had to finance a major plumbing issue that occurred at my mother's house. They offered no interest if the balance was paid off in the allotted time. Synchrony Financial never sent me a bill in the mail. I tried to register my account with them and pay online and the site says that my information doesn't match. I call and find out that someone at this institution entered my birthday in wrong. The bank said that that I had to send in identification via fax. I thought that was strange because it is 2018. I fax them multiple times and they still don't do anything to unlock my account.

I'm having issues logging into my online account so I called the number on the back of my card 2 weeks ago. They said they would pass the info about my issue to try to get it fix, ok. 2 weeks later same issue so I called. Got the same person on the line (kinda weird but ok). I did what they said. Try all the different browsers on a different network. Same thing and access denied. After speaking with the woman they said there is no tech support to send me over to (huh red flag. My next call will be to BBB). Do not get this card. There is no online protection. I am very concerned about this.

Please be aware of how Synchrony Bank operates. They giveth then taketh away. I bought furniture from Value City using a Synchrony card close to two years ago. I decided to pay off a couple of my cards with Synchrony being one of them. If you know the process of buying a home, the more available credit you have the debt to income ratio can work in your favor. So I waited to see my available credit to appear, but it never did appear after paying the card off, I come to find out the company decided to close my account, saying I'm high risk, even though I never been late or had a delinquent account with them.

Synchrony Bank has the worst customer service in the business. They close accounts you pay off completely even though you paid the payments on time without any issues. When you call customer service you get overseas operators, then they transfer to another call center who then transfer to another call center, while only giving the same canned response. "NO ONE IN CUSTOMER SERVICE CAN ANSWER YOUR QUESTION - YOU WILL GET A LETTER". Really? This is good customer relations? All the companies using this bank as their credit giver is losing customers because they do not adhere to US credit standards. Enough of a rant... this company is not good for business. Finished!

I have given the company 3 chances to get it right and they failed miserably which leads me to believe they are purposely withholding payment amounts in an extremely unethical attempt to get interest paid out. Promotional balances dated first should be paid first, no excuses. They require you to watch each statement and "reallocate funds" over the phone is the only method; I have prepaid minutes they now wasted as well. Example I had 2 promos upcoming of a $300 payment. A ridiculous amount was applied to the promos, the one due this month only had $30 it's still there!

I got, for the 10th time in a row now, a call from Synchrony Bank about an hour ago. They claim that my payment didn't go through because of insufficient funds in my other bank, but I posted the payment the day I got paid and had over 500$ in that account. My payment only being 75$ (normally 25$ but there was a 50$ late fee because the same exact thing happened the previous month but I was tired of fighting these people). They now want 140$ as a payment for last month and this month, when I normally owe 25$ a month. All this because they have the worst payment system ever. It'll take 2 weeks sometimes for a payment to actually post when I pay online. It won't matter if I use a debit card or my actual account number from my primary checking. It's almost like they wait for there to be no money in my checking account before they go and try and take the money.

I bought a new 2013 Kawasaki Motorcycle that was financed through Synchrony Bank and found there is not an easy way to submit your payment, they do not offer any way online to pay or even check your account and they send a statement to you in the mail every month. I found you can call their 800 number but the system is always 3-4 days out of date stating that the payment was posted by that many days previous but their system doesn't show it as credited to your account till 3-4 days later.

I went to Pearle Vision to purchase glasses. The representative said that Pearle Vision had a credit card so I applied, no problem. My husband had his thru a dental office. They do not tell you when you get the card that there is a promotional time limit on the credit. Stupid me I did not see that on the application. Well when my husbands promotional period was up they prorated the interest, so he owed more than what was left on his balance. I called and paid off the balance and they were going to take off the inflated interest. That took 3 months. So I carefully keep an eye on my balance. When the promo was coming to an end I paid off my balance in full. Paid by 2 different debit accounts. Well the Synchrony Bank kicked back the one payment and sent me another statement with the remaining balance and an inflated interest amount.

I made a purchase of new devices from Google, and they used Synchrony Financial to provide 0% interest financing. I have had nothing but problems with this bank in this bank. First they didn't apply my first payment correctly to my loan, which is usually required before autopay kicks in. Second, when autopay made its first payment, it took the entire loan balance, instead of the monthly minimum payment. Third, customer service has been extremely unhelpful when contacting them to resolve the issue. Forth, the resolution of reissuing me a check for the incorrect payment took way too long for them to process and deliver to me. And I fully expect to continue to encounter errors in the months to come until the loan is paid off.

A dental office was about to fill out an application for a credit card for me for $7,000.00 for dental work through Synchrony Bank (CareCredit). I was lied to about payments due and about duration of payment, by the dental office's Office Manager filling out the application. Conflict of interest to say the least, both profited from this transaction. Later I found out that in 2013 Synchrony Bank was hit with a $34.1 million dollar action by Consumer Bureau. "Consumer Bureau hits medical financing company CareCredit with $34.1 million action" in the article it clearly states... "Patients must also be enrolled directly through a CareCredit representative, not through the office staff of a doctor or dentist, for transaction over $1,000."

Despite my credit rating going up over 700 this past year, this bank has continually reduced my credit limit and cites outdated credit information as their reason for doing so. I was literally looking at my TransUnion and Equifax reports as the Synchrony Bank representative read off the exact same outdated credit information they'd been using to reduce my limit for over six months now. This bank should not be allowed to operate within the United States as they do not adhere to the US Credit Reporting System and they do whatever they want based on nothing but their own will.

NEVER use this company, their rep made a miscalculation when going through how much I need to pay monthly to avoid interest and it cost me $469 on an original $1800 dentist bill. They will not budge though it was their rep's fault. Now I am paying interest on the balloon interest charge. WORST COMPANY out there.

Multiple calls and the same outcome. Sit on hold, get transferred to another department who then tells you they are not the correct department and ask you to call back the next day. They are so incompetent you can hear someone else in the background telling them what to say... they can't give you any information and just keep bouncing you around. Horrible, they don't even deserve the 1 start you're forced to give here.

This is the worst bank and I still in surprise why organizations are still encouraging this fraud bank. I don't want to bore you with telling what happened to me as it's similar to the other people. But organizations must quit this bank which uses rules and loopholes to loot people, for the good of the community. Whenever you are taking some store credit cards first ask them which bank is behind it and if it is this fraud bank, then reject otherwise for the promo price you will be paying more than that and you will be stressed. Note: They will not send the card and behind they will pile the late fees and whatnot every ** charge and you will not be helped by anyone.

I was contacted by a collection agent representing Synchrony Bank. We set up monthly payments but Synchrony keeps sending me late notices and interest is being accumulated. They are taking $100 a month from my account and my balance has not gone down. WORST bank to do business with. NEVER EVER AGAIN. STAY AWAY FROM THEM. THEY ARE BLOOD SUCKERS.

I had a Walmart and American Eagle credit card through Synchrony and ALWAYS made payments on time, and never maxed out the accounts. When I had them paid off (both were paid off and closed at different times) and hadn't used the cards in a matter of months they closed both accounts citing negative reports on my credit. However they gave me both accounts with the credit score that I had and if anything my credit score has gotten better so where they get the right to hurt my credit score based on having a card paid off I do not understand. It is a horrible greedy company. No matter what I will never do business through them again.

Never late, lowered credit, paid in full, then get closed by creditor... on my Credit Karma. What is wrong with this company... I had Amazon which is now closed, and also have Sam's Club which is still open with a zero balance, paid that in full too. I will stick to my Visa Master Discover and AMEX from now on. Seems if one pays their bills on time and in full they make no money? No explanation why... They are a TERRIBLE company. I would have closed them myself but was told to leave open so not to upset Credit Score. Their loss.

I have never in my life dealt with a company that treats a loyal and good customer so shabbily! I have had 3 accounts with Synchrony Bank that has never ever been late and has always been paid in full. They first start by lowering your credit limit with no warning! You go to use the card and are so embarrassed that the money you thought you had isn't actually on the card! Wow! Then to add insult to injury they close out the account with no warning. Oh yes you'll get a letter in the mail but that's after it's closed out and once again you went to the store trying use it! Ridiculous and so unfair! I was never late with a payment and the cards were paid off! I just don't understand how or why they would do this to a good customer! I have other cards that have increased my limits due to responsible usage. They are the worst company I've ever dealt with! Don't waste your time! Go with a company that rewards your loyalty! They are ridiculous!

I hope someone reads this before buying the card, but if you’re already in, do yourself a huge favor and hurry up and pay it off. I foolishly got a card in 2017 to help pay for new tires at an Express Oil Change. Mistake number one: They never explained the details behind the card and its interest. I get it and I make no less than the minimum payments every month. I had just started getting closer to paying it all off when I’m hit with a $230 “end of the year” interest fee. A fee that’s related to an interest deal that the card company, nor the oil change place never told me about until it was too late. So now, I’m rushing to get the card paid off so I can be freed from this ridiculousness. I could have came out better getting a personal loan with a credit union or bank or just getting a different company’s credit card. I’ve learned my lesson and hope I can help prevent this from happening to another innocent person.

I had 2 credit cards with Synchrony bank JCPenny and American eagle. Mind you I have been a long standing customer with both companies before I got a credit card with them. I got the American Eagle card back in 2012 and in 2016 I got a letter from Synchrony bank saying that they were closing my card due to deficiency on my credit and my credit score which I never asked him to pull. Fast forward to today April 9th 2018 I got a notification from Credit Karma saying one of my accounts closed. So I looked and found out it was JCPenney’s so I called JCPenney‘s. They referred me to Synchrony bank and I called them and they said they sent me a letter.

Beware of Synchrony Bank. I made every payment in full and went to use it and found it was cancelled. Didn't mess with them for several years later remodeling house. Got talked in to Lowe's card again. They gave me a large credit amount and used it. Well got almost paid off and seen they lowered my credit to just over what the balance was!? Will be paying in full. Will never use any card or service from Synchrony Bank again and will warn everybody I know of the outrageous fees and the way they treat good paying customers. People deserve to know how these companies operate. Will also blast them on Facebook. Enough people know how they operate. Their time is limited...

A number of my store credit card are owned by Synchrony Bank. Just recently I experienced some hard times with my student loans while going through the consolidation process. Which resulted in my credit score dropping because of a late payment. Fast forward to the end March I’m at the store shopping and my Walmart card was declined. I didn’t understand why when the card was paid in full a few months prior. I used cash for the purchase and immediately after leaving the store I called customer care and was told that a letter was sent out (may take 10 days to receive) explaining why they lowered my limit to $100.00. WTH? I was pissed and in anger. I told the person to close my account but I had to stop that process because I knew that was going to make my situation even worse. So I went home and took all my store credit cards to find out that Synchrony Bank either closed all the accounts with zero balance or lowered my limits.

I have recently moved and needed to change my home address with my PayPal account. When I called Synchrony bank to do so, I answered all their verification questions, social security number, mother's maiden name, address, etc. My phone number was even verified. I explain that I needed to add my suite number to my address and they send me to a call center where I am told I need to send a copy of my government issued state ID and a copy of a utility bill. Let me see, I've had at least 6 credit cards a year compromised and they want me to send them the only two things they don't have of my identity. I told them I answered all verification questions and I am calling from the number on my profile and they refused to ADD my suite number to my already changed address... Why have the other information if it isn't used for the purpose of verifying who I am?

I have had a Discount Tire Synchrony Bank account for 5 years. I have always paid it on time. I use it for tires and car maintenance. I have never had any issues till just this month. In March 2018 I paid my account 2 days late. Synchrony charged me for the 2 days late a $38 late fee. Almost one additional month payment. I have never heard of a bank charging a late fee for 2 days late. I am going to pay it off and close it. Horrible.

Today I received a letter from Synchrony bank saying they closed our account. Letter states reason for closing was based on length of time accounts have been established, lack of recent loan information. My fiance, and I have the same information on our credit report, when they first approved us two years ago. We paid the loan off early. We paid each month on time. Was thinking about purchasing something in the future, that would cost us to pay them interest. I feel they didn't use a legit reason to close our account. I feel they closed the account because they made no interest. We were under a promotion that you pay off the balance by a certain date, you paid no interest.

Similar to other experiences, Synchrony has closed my Lowe’s account for reasons unrelated to the account that I have with them. They stated they randomly pulled my credit and made the decision to close my account. I didn’t request a limit increase or make any communication that should have triggered them to pull my credit report. I’m sure this is worked into the agreement somehow and it should not be allowed. I don’t have these issues with any of my other credit card companies. Now I have a closed card with a balance which I’m sure will negatively impact my credit. This activity is unfair to consumers and should be more heavily regulated. This system is designed for people to fail. I will never open another Synchrony account and will be paying off and closing the others that I have.

Took out a T.J.Maxx credit card after being hounded Mercilessly each time I shopped there. On my first bill I carried a $5.99 balance for a candy bar. I pay my bills early and on time and of course I paid it in full. My second bill came with a previous balance of $7.99 plus a two dollar charge for late fees! I called and they claimed that I paid my bill late. Could not explain where they came up with a previous balance of 7.99? This is one big scam of a credit card company in my opinion. Beware!!!

I have had the Walmart Credit Card from Synchrony Bank for approximately 18 months. During that time they increased my credit limit to $2200. I have never been late with my payment and have always paid the account off each month bringing the balance to zero. There has been nothing to negatively affect my credit during this time or many years before. My credit score has actually improved slightly and is at the mid 700s. Today my wife had the card declined. I learned that my credit limit had been reduced to $200. I immediately paid the account in full and closed it. Obviously I will never use Synchrony Bank for anything and I will no longer be shopping Walmart. There are just too many choices in the world to put up with this kind of treatment.

I had three Synchrony Bank credit cards: JC Penney, Rooms To Go and Ashley Furniture. I never ever paid them late and always paid them before the payment due dates. I had zero interest for 48 months with Rooms To Go (limit $8,000) and Zero interest for 24 months with Ashley Furniture (limit $6000). I was never anywhere close to the limits being they used to increase my limits for years with JC Penney which was $5000. I never even went over $500 spending with JC Penney after being with them for over 10 years because I prefer Macy’s. I paid Rooms To Go off early in 24 months and Ashley Furniture off early in 10 months this year. I always paid JC Penney off at the end of every month and sometimes it went for months without being used and a zero balance for months. FAST FORWARD: They closed all my accounts right after I paid them all off this year right away due to them pulling my credit scores.

Very disrespectful customer service. They hung up the phone on me when I paid our account in full, before I could get a confirmation number or something. I only heard is that it then the phone hung up. The rep was a woman and she sounded like she just broke up with her boyfriend or girlfriend and she don't even want to be at this job, she barely wanted to talk or even want to answer back. It's so bad that a big bank like this have such snooty reps working at the front page representing them. That's bad. Trash is trash. I will try to use our Capital One card or Wells Fargo card next time. Their reps are the best. I wish this company could do the undercover boss over the phone, and see how their trashy reps sounds. They need proper training. I know I do that with my company, that's how I make my money. So my reps better be respectful.

I have 3 cards from this company. Amazon, Walmart, and Care Credit... I recently paid off Amazon for an 800.00 balance. They reduced my credit to 200. I paid off Walmart 300.00 balance, they reduced my credit to 100.00. The most upsetting for me was they closed my Care Credit account. There was a 1000.00 limit on it. I kept this always paid off, just in case I had a pet emergency. This was the important one to me. I can live without the crap from Walmart. I've always paid my accounts on time and my credit score is 670. This is the same score when these accounts were opened. I'm so glad I googled info about the decrease in credit lines. I see I'm not alone. In my experience, credit companies usually reward you for paying on time and paying balances off... Not decrease or close accounts.

If you have a dispute for something bought using Amazon's Credit card this is the bank full of crooks you will deal with. They have no scruples and can not keep track nor respond in an expeditious manner. But they will get a credit agency to call you 6 times a day. Bottom line reject getting an Amazon card or better yet just reject Amazon, especially their Prime hoax. (Which no longer ships quickly).

Buyer beware, had 2 Lowe's acct with a credit limit of 9300 and 6700. Well I was only using the lower limit to do purchases and would on occasion use the credit with the higher limit just to show activity, but one day I was going to make a 29 dollar purchase and was declined. I was like wth. Well limit was dropped from 9300 to 280. Needless to say I was very pissed. I had to use another card. Once I called cs to find out what the hell was going on they say, "We sent you a letter bla bla bla." I was like, "Can't you tell me what the damn letter states?" He said rudely, "Your credit score went down."

Never deal with this bank for anything! I know. No matter what you've read from the other people, please listen to me. We took a loan out and this bank, on TWO separate occasions, sent the bill to the wrong address. We tried to rectify it multiple times to no avail. They effectively ruined our credit as it went into their collection services: Cavalry Portfolio. Even after they were informed of their mistake, they refused to take it out of collections and now, it will be on our credit report for at least 7 years. Do NOT do business with this company!

Tried to transfer the balance that was going to go from 0% to 26.99% and was denied. I've transferred all sorts of balances in the past and have never been denied. The thing is I had to call to then to get an explanation. They were perfectly fine without notifying me that the payment being denied so they could hit me with the ridiculous interest charge. This is predatory lending.

Credit card for Amazon Account. Absolutely horrible and shady company to do business with! My account was closed and paid off by my bank. They took forever to process the bank check, then charged me late fees and the account should have been closed, but instead they lowered the credit limit to $100 so they then could charge over limit fees. I have turned them into the Better Business Bureau, I have called and talked to some person that barely speaks English. I consolidated my credit cards to save money and get my credit up, and these jerks are doing everything they can to screw it up with these stupid fees. I was already making payments on my loan before they processed the check from my bank!!!

I've had am Amazon Synchrony Bank store card for approx. 5 years. By their own admission, I have never missed a payment on the account, or anyone else's for that matter, and the card has been active. Inexplicably, my limit was suddenly lowered. I paid the account off in full, and it was immediately closed with no warning or explanation whatsoever. I had no idea it was closed, until a purchase was declined. I have never been treated so appallingly, by any credit organization. Horrible people to do business with. They should be shut down.

This bank is a joke. I made payments on time, they closed my account for what they say is dishonest payments even though it would take them 5-6 days to take it from my account. I loved the Amazon store card. You can never get a human. It's always the stupid computer you get when you call customer service.

I applied for a Lowe's card for my company in 12/16. I was immediately given a $14k credit limit. I made one charge at the time and paid it off when the bill came. Then I tried to use the Lowe's store card for my company. Setting up the online account was an absolute nightmare. The security questions they required me to answer were not about *my* history. It was addresses, phone number, things that were not mine. Of course I could not answer these items correctly and kept getting locked out of the account. When I called Lowe's, I was advised they did not handle this platform directly, it was done by an outside company and they could not help me except to suggest I try again after a few days when the account reset from being locked out.

This bank is nothing but a crook. They take money away from deceased people. If you have Lowe's, Belk, Care Credit, or PayPal smart connect credit cards get rid of them as soon as possible as this bank will charge you outrageous interest. If you owe them any kind of money at all they will not stop until they get their money. They take money away from deceased people. Great company to do business with. Well good luck because you are not getting anything from me. Crooks. Stay away from this company and boycott all places that do business with them.

I've had a Lowe's credit card since 2011 and have 100% paid all of my payments on time. Feb 2018 they decided that our financial situation was dire and they no longer trusted us to pay our Lowe's bill so they shut the card off, listing a long line of ** remarks as to why, all of which had nothing to do with my credit activity nor any of the activity associated with my Lowe's account. They left me with no option to dispute or even get a real reason as to why my account was just all of a sudden closed.

I have 2 cards that were taken over by Synchrony Financial but were previously GE money back who I was fine with. In Feb. 2018 I found out they closed 2 of the credit cards I had with them without notifying me until I called and complained. Once card was with Lowe's since 2015 and the other with Discount Tire since 2013. Both were always PAID ON TIME and only the Lowe's card periodically carried a balance of a few hundred dollars from time to time. I could understand if I had a past due balance and wasn't paying on my cards but this is unacceptable. When I called them both general customer service and the manager/supervisor were unhelpful, rude and just kept repeating themselves. I will never get another card with them as the ones I had were simply to get the companies (Lowe's and DT's) offers that came with having their card.

My parents are elderly. Have taken over bills to make sure they are paid. This company is the rudest people to deal with. I will pay off this card and close this account. I will never do business with these people even if they were the last company on earth. My advise to the general public... if you have anything with these people GET OUT!!!!

I have had an Old Navy card for years. Never late on any payments. I really only used it for the extra perks and discounts. I had a small balance (60.00) from an online purchase and paid it off weeks later. I just received a letter stating Synchrony Bank was closing my account! Reason- length of time revolving accounts has been established. I only have one other account I keep a small balance on!

Synchrony Bank is horrible. If you ever have 2 NSF in their account they automatically close it no matter what the reason is, they just closed my account and I was a victim of fraud on my personal checking account and now because of their payment being return they closed it and now that messes up my credit report. HORRIBLE!!! Don't do business with them. It was better when it was GE MONEY, I just filed complaint with them.

I have been with Lowe's and I have other credit cards and I received a letter today they closed my Lowe's account. My credit score was vastly affected and I have 100 percent payment on time and I have never missed a payment. Our household makes well over 90000 a year I don't understand. But whatever, I'll never shop there again. Now I'm waiting on them to close my other cards I have with them to further devastate my credit. Thanks a lot. It wasn't like I was going to purchase anything else from Lowe's anyway, way overpriced and a terrible card.

I use the Care Credit card for major dental expenses. Every time I use it my credit score drops 25 points. Wait a few months and it comes back up. All payments have been on time or ahead of time. Today I got a letter from Synchrony Bank saying one of my department store cards is overdue. I email the department store because I know there is a 0 balance.

This is the worst lending institution I have ever dealt with, how could I have a score of 727 and 2 days after opening this PC Richards card through Synchrony Backdrop my score to 675. What kind of BS is this, I will never use them again and I WARN EVERYONE TO STAY AWAY FROM SYNCHRONY BANK. This is complete BS and I am telling to STAY AWAY FROM THEM!!!

I am beyond disappointed with Synchrony. I purchased a bed, financed part of it. I made every payment on time and paid the bed off early. I just received a letter stating that my account was being closed due to my credit score, major delinquencies, etc. That is ridiculous. I have no collections, my payment history is great, have a good credit score, and was actually just pre-approved for a mortgage. I called to inquire and was told that it was closed due to nonuse. I JUST PAID IT OFF LAST MONTH. What do you expect? Most people don't purchase beds every month. I was however going to be furnishing a new house soon. Will no longer be going through Mattress Firm and Synchrony. Ridiculous for you to close a good standing account with no notice and for no reason.

It appears that your company is closing my accounts one at a time. These are accounts that are being paid in a timely fashion, and there is no reason for closing them. I was recently divorced and because my credit score has dropped you ** decide to close my accounts; which by the way continues to lower my score. This bank sucks, and I will take my comments to many social media outlets. What you have done is unfair.

Only have had store cards from synchrony - no more. Won't download onto quicken, missing statements, high error rate. Can't see statement online, have to request a copy be mailed. Missed a payment due to not receiving a statement, started robocalling me seven times a day. When I called to complain and to close the account (Lowe's) the reason they called seven times daily was because that's the maximum number they're allowed by law. Treat their customers as if we're all bad credit risks and not to be trusted. If I ever get another store card and find out its synchrony behind it, that card gets closed.

Signed up through online company Newegg to use the 6 month 0% financing offer. I got my first statement and paid the minimum payment. 2 months later my cellphone gets auto called with no one there at least 10 times during the business day, disrupting my work. That evening I call this number back and it is Synchrony Financial demanding payment. They never sent the 2nd month's bill. I didn't trust the barely understandable English from this mysterious harassing number so I made them stay on the line with me until I was signed up to pay online. I set up auto pay so they couldn't do this to me again. I was left with the feeling that they purposefully did not send a statement so I would miss a payment and they would not have to honor the 0% financing. Sounds like a scam.

Like so many others have started, this bank is horrible!!! I paid off my TJ Max rewards card in full in October (my credit limit was 2500). Around Christmas. I charged 1200 with misc purchase... This past week I went to check my balance and realized they reduced my limit back to 1500. The letter I received from them stated I used too much credit in 3 months and that I had delinquencies with them. I was never late one day while I have had this card, and also didn't know that there was a limit to what you could spend monthly when given a credit limit. Nowhere in the credit agreement does it state this!!! Unfortunately this bank does not like when you pay off accounts... as stated by many people here. They will close your account or reduce your limit if you do. I would give it 0 stars if I could.

I have been trying to get on a hardship program but I was denied and told to do credit counseling. I lost my job and then was in a car accident on my way to a job interview. Hospitalized for two months. My credit went from 700 to 529 in month due to do Synchrony bank by downgrading my credit limit to the current balance. So now it looks like I maxed out my credit and I am over my credit limit. I will never use them again. Synchrony provide no help at all, rude customer service, nasty collection representative. I tried to work with them and they refuse. The same for Credit First a Firestone Credit card. Comenity work with me, BOA worked with me.

I have had the Wal-Mart credit card for a very long time now. My credit limit started out at 500. A little while later, it was decreased to 380. I got a letter with some nonsense saying my credit balances were too high and that's why it was decreased. Last week, I paid off the entire balance of the card. Brought it to a $0 balance. Walmart proceeded to drop my credit line to $100. I checked today and my credit score has raised over 40 points in the past month. SO I am very frustrated over the fact that paying off the balance on my card and having better credit than I ever had, I am rewarded by a decreased credit line. Which will impact my credit negatively.

I set up a monthly payment and they instead charged my bank account in full. I did not have seven thousand in bank account so this resulted in 3,000 and overdraft fees. Trying to resolve but everyone says it will take five to seven business days. UNBELIEVABLE.

I tried to open a saving account with $10,000. From their behavior, Synchrony does not want my business. After I submitted the application, I received no courtesy email stating that they received my information and were processing my account. Over a week went by, I heard nothing from them. I was afraid I might have stumbled upon a scam site that was trying to steal my information. Finally I called and they told me the problem was the credit freeze I put on the credit reporting agencies after the Equifax hack. I asked them why they didn’t contact me? The customer service rep said they did, which was not true. I told her that I was not going to do business with an organization that obfuscates the truth. The main thing you want in a bank is trust. I am taking my business elsewhere. My advice to Synchrony is to cut the salaries of their top management and invest the money in better customer service.

I just got 2 letters in the mail that they have closed my Walmart and TJ Maxx card because of inactivity. They will not discuss it with you. They don't care what you have to say and they do not care that you have no balance and have never been late. They lowered my limits on both of them and then they close them. This has to be illegal because they are messing with my credit. We have no rights anymore. These banks can do whatever they please. We may as well live in Russia... I am going to close every account that is serviced by Synchrony bank and never open another account that is serviced by them. Watch out. They are out to ruin the middle class person...

I had to get a CareCredit card because I couldn't afford the test needed to check to see if I had cancer. I was told that I could get a Care Credit card and it would cover the cost and I could pay it off over time. After a year of being in and out of the hospital and having surgery to have organs removed I get a notification that all the money I had paid off to Synchrony Financial CareCredit was being added back onto my debt because of some interest promotion I was not informed of. Long story short no matter how ill you are and no matter how much you feel like you're going to die take your time with companies like this and read all the fine print because even if they act like they want to help you they only want your money and will do anything they can to make sure they get as much of it as possible.

When I signed a contract with CareCredit they allowed autopay which I had set up to pay the balance. Once Synchrony took over I wasn't notified that my auto payment would be stopped. I am a busy person on the go for work quite a bit. One day I received a call from Allied interstate stating my Synchrony account was in collections. I tried to contact Synchrony bank but with no avail they transfer me back to the collection company that is now report negative on my account. Synchrony is a greedy disgusting company. They purposely make it difficult to pay a bill so you will be late and they can rack in on busy hard working people. Nobody knows anything when you call I advise you to stay away far away as this company headquarters should be in the deepest parts of Hell.

All of my accounts thru them have no option for setting up autopay!!! This is because they make $ off late payments. I hate having to log in every month to make a payment. All other credit card companies have auto pay!

Synchrony Bank is a bank that issues several cards for retail companies. I have one with Lowe's and TJ Maxx. My credit started out with Lowe's at $600. I only opened it because being a new homeowner I wanted to have credit "just in case". Well, I didn't use it often, I made a few minor purchases. I checked my account, I had a balance due of $88 with a credit amount of $100. What in the world. I called and they told me my credit had changed. No, it has not. Now it has yes, because of my $100 credit limit. What in the world am I going to charge for $100 that I won't be able to pay for cash? TJ Maxx credit started at $2000... That has dropped as well to around my credit card balance of $1200, so guess what, that brought down my score as well, because now that available credit limit is lower.

I've been with CareCredit for almost five years. Never had a problem till now, as in dispute a facial company in Elk Grove is charging me for device I never received and they are still charging me. I was denied four time, so I took a look at the packet. A closer look and I notice that my signature is exactly the same. I don't think anyone signed exactly. Copy style on any signature. Five different signatures were identical. Fraud and that's clear as day, and when I call to ask status they say all paperwork is professional and I did sign my signature, wow so they never listened to my complain. Had no idea about the matching signature, does anyone know a corporate number.

I lost everything I owned in hurricane Harvey. I had a zero balance on my card and always tried to pay it off as fast as I could. I called the card to make sure everything was ok because I was going to use it the day after. The lady on the phone said I had a zero balance and that the card was ok. She said "I shouldn't have any issues"! I bet she was laughing her butt off when they cancelled my card the very next day. They said they cancelled it because my credit score dropped! Well, when you lose everything you own, that happens! Even with a zero balance on the card.

I CANNOT believe the experience I just had with Synchrony. I am enraged. My husband is deployed to Africa, he’s literally in the middle of nowhere. I am lucky to get a weekly email from him, as he has ZERO access to a phone. He emailed me last night asking me to contact Synchrony about his Sweetwater account because he could not log in when he tried to pay bills last night (God knows what he went through to get internet access this week). His account was ending automatic payments and he needed to set them back up. Since he could not access it online or call them to correct the problem, I called. Their response: "You cannot set up automatic payments, you cannot use his bank account to set up any payment, he cannot email is to correct this problem - he must call, and we cannot offer you any information to make payments. You can set up a one time payment for today out of your checking account only."

I have, or had two accounts with Synchrony Bank, one was Amazon and the other CareCredit. Amazon was 3 years old and for no reason explained to me they closed the account. I called them to ask why and was first told I did not use enough. Always paid them off and had a zero balance, no missed payments. It hurt my credit, in fact dropped my score by about 30 points. Second account, CareCredit, was about 9 years old. never missed paying it off. All of a sudden got a notice that my address must have changed, and needed corrected. I called to update it and was told account closed. Reason was address, and that credit score dropped. They are the ones that caused a drop in score and because they closed this account, credit score again went down.

Paid off account years ago. They put it back on credit report. Dropped my score by 30 points over a 1 week period. I can only describe the experience as crazy. Remember to only contact them by certified mail. Calls are useless and are not protected by federal law. If you have a credit card that is backed by them, GET RID OF IT!!! There is a special place in hell for them.

I had four credit cards under the umbrella of Synchrony Bank. They lower my credit limit with all of them, even though I paid more than the required amount monthly and sometimes twice a month. I had a credit limit with Walmart for $1500 and had purchased amount on the card in the amount of $340.00. I received a letter from Synchrony bank stating they lower my credit limit to $350.00. I placed a call and asked about this and how can they lower my credit limit to this amount. They claimed they pulled my credit report and my credit score went down.

Synchrony Financial approved me for $2,000 limit. I paid off 3 things. Had over 1,000 limit leftover. Then all of a sudden they just run your credit and lower your limit with the same stuff that has been on your credit upon approval. Rip off. I wouldn't recommend them to dog show. They just pitiful trying to keep your credit score low showing your balance is at an all time high. Class action lawsuit.

I purchased a piano on credit through Synchrony Financial. I am totally disappointed in this company. They have zero customer service. Absolutely no contact info without going through their call center in India. I was overpaid on the account by $109.00 and then received a letter stating $0.00 balance. Absolutely could not get the refund even after providing them ALL my bank records. After continued problems, I looked at other reviews and found pages and pages of 1 star reviews for the exact same problems. Closing the account immediately! BE WARNED!!

I had to fight Synchrony Bank for 1 yr for charges on my acct related to vet bills for my dog. They continued to charge my card after he was dead by 4 months. I contacted them and they denied it. Blamed it on the vet office. The vet office did nothing wrong. It WAS Synchrony Bank. After a year of calling them on the phone for 1 yr, they finally admitted it was a "mistake" and refunded it. NOW they are doing even worse and ruining my credit. Transunion said they are wrong. Synchrony Bank has given me the runaround today for 2 hrs and won't answer my questions. Put me on hold and never return. Will be reporting them to the BBB and Colorado Attorney General. This bank is harming me and my family.

These people believe in punishing victims of ID theft! I had paid my CareCredit balance and was never late with a payment. I plan to get a Service Dog later this year and was saving that card for vet bills. In the meantime, a hacker drained my checking account which caused me to get behind on some bills. Guess what. These creeps closed out my CareCredit account even though I NEVER missed a payment with them! I can't get answers from their nasty little bunch of toadies. They don't understand that the lowered credit rating was NOT MY FAULT! Now my cat is sick and all this crap means I can't take him to the vet and I'll have to put off getting the Service Dog!

This bank is a joke. They pull your credit report when you first apply to determine your credit limit. Then they turn around 6 months later or less and "review" your account, pull another report and if your credit score is less than when you first applied they reduce your credit limit without telling you and then claim they mailed out the letter 2 days prior to you calling them. They did this to my Lowe's and Toys R Us card. The limit was not a lot since I am a first-time credit card holder however, the point is they mess with your credit score/report every time they do this. I am paying both off and closing the accounts before they do it to me because that is the next step. They reduce it you pay it and then they close it at their discretion. It should be against the law what this bank does.

Had account, always paid on time, never late. First they lowered my credit limit then once I paid off account, I get a letter saying they closed my account. Now if I go into a store and they ask if I want to open an account, I ask, "Who is your credit card through?" If they say Synchrony, my response is "absolutely not. I will never apply for credit through Synchrony".

I am beyond fed up with Synchrony Bank's credit score damaging cards! I have been a loyal credit card customer for 10+ years and have NEVER EVER made a single late payment on ANY of my numerous Synchrony cards or any account for that matter. Recently, a loan (I co-signed for with my now ex-husband 6 years ago) was reported as having a late payment. The financial institution never once notified me of any missed payments. I only found out, when I received a notice from Credit Karma that my score on my credit report change! Immediately after learning there was a problem I quickly took action and got the account fixed and current.

I keep paying my Amazon card on time but the amount I owe never goes down. Why? And then they charge me a late fee cause they're screwed up crooks to try and screw customers and then still say it's not their fault.

I recently paid off $50 to my Lowe's account and they ended up lowering my account by $125. It doesn't seem like a lot, but my limit was $300. Now with them doing this, they screwed up my credit score because I have a higher credit utilization. I find it completely ridiculous when I'm paying the card off and they lower it. What happens next? Do I make another payment and they drop my credit limit again?

I DID have very good credit for many years, spent a long time working hard on it since I was young, & saw my sister go through credit issues. Have always been careful, my spouse was impressed with my credit rating when he found out! All those years, all shot with a very horrible, seemingly unending dispute between my bank & Amazon over many mysterious charges. This resulted in the bank ruling in our favor, & crediting our account, apparently not in Amazon's favor. I then received an e-mail from Amazon that my account was frozen & that I owed them $40. I didn't know why, & couldn't of course log in to my account to determine anything.

Bad, I've been so patient but it really sucks that there's no actual solution, at first I got approve and then they closed my account for further purchases. They said you suppose to receive a password on the mail so I found it and give it to them, then they said it's expired let us send you another one, I call back. They said I need to talk to fraud department. We talked. They said I will receive a package on the mail, never got it.

Frustrated, I felt like there is a deal between the store and Synchrony bank to RIP-OFF poor people's money. Set up a payment method for 24 months to pay off before interest rate starts and they are charging me $1262.36 interest rate for $980. I am ready to solve lots of people's problem. I will take them to court. They are stealing money from your pocket. I will announce the court date if you have the same problem please email me at **. All I need is to sign a disclosure and no attorney fee. Thank you.

BEWAREEE! Only got this Care Credit account to help build my credit. They messed up my perfect score and lied and had no reason to why their online system was continuously not taking my payments. After scheduling payments with issues in November 2017. I was checking my credit since Capital One helps you track your score. I was so Dismayed and Stressed to see that something Disastrous had happened to my credit within 30 days. This small balance which was something I thought would be a build to my credit because of the small balance had reported me as being late.

This being the 4th time having to call them to send me a bill and then they charge me a late fee cause they're screw up crooks to try and screw customers and then still say it's not their fault. Send me a bill and I'll gladly pay it.

I believe I was late on one payment. They told me to pay a little late fee to cover it and it would be settled. I did and was never late again. Then one day I decided to just pay it off with a credit card. I figured I probably owed $200 or so. Well they said that I couldn't pay it off like that, which was weird because there was zero interest. You'd think that it would be in their best interest to just let me pay it off.

I am not sure what to call this letter, a Complaint/dispute. Writing this with utmost frustration and disappointment on Synchrony Bank. A Bank that works without proper process is what comes in my mind as I think about my experience with this bank. I applied for Walmart Credit card which was instantly approved and given a credit line of $500. While submitting the application I forgot to include the apartment number in the address field and hence I called up Walmart/Synchrony again to update it. But I am not sure why it was considered as fraud. Anyways some random guy from Synchrony Fraud department called me and said they have put a hold on my account until I share them my address and ID proof. He asked me to wait for the correspondence I may receive from Synchrony Bank to send the proofs. And as per the instructions from him I waited for further communication from Synchrony Bank.

I paid off my Walmart cc and they closed my acct with no explanation. They are a rip off. I recently got Care Credit again. Both Walmart and cc use to belong to GEMB. I miss GEMB. Never had a problem with them.

I have a Lowe's and Walmart credit card with Synchrony Bank. I've NEVER been late with the payments, but they've lowered my credit limit 3 times. They say that I have derogatory credit on my credit file. Even if that was the case it still shouldn't lower my credit limit when I've shown that over the course of 4 years I can manage to pay them on time. They also closed an Old Navy card I had with them. I had the card for about 18 months. I was NEVER late on a payment and I had a ZERO balance on my account. I can't stand dealing with them. I have other credit cards and I've gotten a credit line increase on every one of them during the same time period that Synchrony has lowered my credit limit on my cards.

Ok, why, in this day and age does a bank put a hold on an account when a payment is made and the account is paid off? It can’t be in the consumer best interest, right? This is the second time this has happened and the reason I was given is because “a large amount was paid at one time” REALLY? Isn’t that a good thing? After calling and complaining for a second time the account was miraculously freed up from the hold. I love my Amazon but will no longer use this shady card. If I could give it a negative score I would!!! CONSUMER BEWARE!!!

I dislike Synchrony Bank because they lower your credit limit as you pay off a credit card. This, in turn, reduces your credit score. That's what makes them predatory lenders. What business, in good faith, does this to consumers they value? NONE! I wouldn't be surprised if they are out of business in five years. There is consumer power that will make that happen. A bank can't keep devaluing customers and expect to get away with it with no consequences.

I was paying J.C. Penney's off and they took over as the creditor and raised my interest to over fifty percent. They are scam artists and lie like dogs when you speak to them over the phone! They are not capable of telling you the truth! My daughter used my name to open a line of credit at an Animal shelter and I refused to pay. They have harassed me night and day and even on Sundays sometimes calling five times or more a day! They ruined my credit and are horrible people. Don't ever trust Synchrony Bank and make sure you never EVER use them for credit card!

Synchrony Bank is perpetuating a major scam on credit cardholders which not only forces the cardholder to use their cards but penalizes cardholders if they don’t. If you are trying to rebuild your credit and obtain credit from a retail establishment (Wal-Mart, Lowe's, America’s Tire, etc) that is actually backed by Synchrony Bank beware of the trap they will set to lure you into ruining your credit score and paying them higher interest rates.

Synchrony closed my account for no reason. Do not open an account with Amazon! They will find a way to ruin your credit! Amazon sucks and always will! I always paid my account on time and for no reason at all they closed it. Will never shop there again.

I had a credit card through these people. This card was closed and paid off in full. After it was closed, someone reopened it and had charges made it. I get an email from the bank telling me I owe money. I question it and even though I can show that charges were made to the card AFTER it was reported to me that it was closed, this bank still demanded I pay them. Even AFTER I told them MULTIPLE times that I dispute the charges, and I dispute the order, they refused to recognize possible fraud. I even got a police report. I guess nothing will convince this scam artist.

After having my "R"Us Credit card for just under a year, I had been late on payments at least one time that I can remember. However I kept the card in good standing, I had paid off the card on November 24, 2017. I was current on the account. We were unable to use the card, I didn't think anything of it. Well we went to use the card today, and it was declined. When I called, they stated they closed the Account on 12/19/2017 due to Credit History. I have been doing my best to build my credit, however I had taken out a Winter/Christmas Loan for the Holidays which lowered my credit a little bit. I called to try to get the account reopened, they told me they only care about their company.

I have two accounts with Synchrony Bank. (Lowe's) 2 years, (Wal-Mart) 4years. Tried to lower my minimum amount due from direct withdraw, they both made me un-enroll and re-enroll just to change the amount, next payment cycle... Then what the lady on the phone told me was it was all good. The next payment would come out on the scheduled date, next payment cycle late fees, past due, delinquent account and 2 phone calls per-day for the next 3-4 days but I can't do anything about it because they are not available on weekends.

Synchrony Bank is ruining my credit! I have 3 credit cards from them and I always pay on time and more than the amount due. Recently they lowered the limits on all 3 credit cards stating derogatory things on my credit. Those "derogatory" things were on there when they gave me all 3 credit cards! They also cited "too many inquiries" on my credit report but Synchrony Bank is the only one pulling my credit! I paid off Old Navy and they sent me a letter stating they were closing my account! Now I'm worried they will close my Amazon and Walmart accounts after I pay them off. I worked very hard re-establishing my credit after a bankruptcy 5 years ago and Synchrony Bank is ruining everything I have worked for. They lowered my credit limit to just under what I owe on Amazon and Walmart and it looks like I've maxed them out because of that!

Chevron needs to be included in my summary. I have been a Time Honoured (their words) Client of Chevron since 1964. These alleged losers, have all of a sudden taken my credit card away. And in other words said "Suck Rocks". Sears is no longer because of alleged idiots. My story is this. I only use the Chevron card once in a while because they give nothing for merit. But I have been a loyal Chevron customer using my American Express card to get well deserved points. Then this Synchrony (whomever they are) sends me this nasty letter threatening if I use the Chevron card after a few weeks away, I will be declined at the pump. For those who don't know, good old Chevron is somehow involved with the above named outfit. Needless to say it took less than 5 seconds to destroy my Chevron card. Never again US or Canada will I or people I know use Chevron.

I purchased a mattress set Nov 2016 from Furniture Deals and thru the financing was approved for $1000 on a Synchrony credit card. The mattress set was over $600 with tax etc. I always paid every payment early and way above minimum. In fact account was paid off that next February. I was planning to use the card again for this Christmas and found they closed my account due to they ran a random credit check and due to some negative credit (which I have been disputing with the credit bureaus) they decided to close my account.

I used this service for an Old Navy Credit Card. Once my final payment I complete I am cutting this card and avoiding Synchrony services at all costs. Their online payment system is unclear, causing me to make a double payment. I made an initial payment and there was no confirmation upon submitting it. After waiting, refreshing the page and checking payment history, their payment did not show up, I figured there must have been an error, so I paid AGAIN and then it pulled the payment out of my account twice. Shady. I am a computer savvy person, so this shouldn't have happened. I called customer service and the best they could do was send me a check in 5-15 days. Also, it is difficult to leave feedback to them, so it's like they don't care if we're happy, they just want our money.

I recently tried to open a savings account online to deposit some inheritance money. I received an email that I would be contact within 3 business days. That did not happen. When I called over a week later to inquire, I was told that my new address did not match my credit report. (I moved 3 months ago). They said they did not want my business. I even offered to email them my drivers license and a recent phone bill to show proof of my address. (Discover Bank did this no problem). I will be giving Discover Bank a try and one other bank (maybe Barclays) that appreciates using my money for the lousy 1.3% return. Good luck Synchrony! You need it!

I used Synchrony Bank with my T.J. Maxx card years ago and it was a terrible experience. When I hit a $20,000 medical procedure done my doctor talked me into using Care Credit with no interest for 12 months. I can tell you I wish I could just use my Chase credit card or talk to my bank about a medical loan. Care Credit is a nightmare. I paid on time and in advance and I finally ran into a huge problem when I had a bogus contract with a chiropractor's office. Care Credit and Synchrony Bank did not represent me at all. I had to dispute because the chiropractor. It told me I could cancel it with a full refund if I was unable to get a doctor's clearance to use his services.

Okay so I'm one of those people that don't always read all of the terms when applying for a credit card because obviously I'm applying for it because I need it at the time. I also have revolving credit I will pay down my balance and reuse it when need be. Well since mostly all of my credit card account switched over to Synchrony Bank I have had nothing but issues with this company. They keep lowering my credit limit for no reason as well as my husband. I called about one account asking why it was lowered because I needed it for medical reasons and they really couldn't give me an answer. So I close the one card that I had paid everything off on. It's a start right. I have been paying the balances down on both mine and my husband's card so that we could have something available for Christmas this year. I went to check my credit score and his and noticed my credit limit and balances were the same.

I have had this card for over a year and NEVER been late and always paid way above the minimum amount due... I have requested an increase from $800 to about $1,200 for about three or four times. I always get turned down... Not sure what it takes to get an increase when you are an excellent customer... Truly pathetic. I will just start saving the money I pay on the card each month and not have to pay their ridiculous interest rates. Not worth it!!

Got this crappy credit card when I got a bed through Mattress Firm. Went to make a payment today to find they want my bank account info. Which I don't have readily available. I haven't had a checkbook in years. Seriously after reading reviews I'm paying this off as fast as possible. Besides needing to get with the times and allow people to use their debit card which is also known as a check card and is directly linked to my checking account without charging me an absolutely ridiculous $10 fee. And then they in general clearly need to be a better bank and companies need to quit dealing with them. Had I known this is how they were and that this was how I was getting zero interest from Mattress Firm I probably would not have gotten a bed through them.

I had a credit limit of $ 3,900.00. I made a payment of $ 3,223.00. That left a balance of $ 636.31. Now when you look at my statement it states the available amount to spend is $40. When I called I was told it takes 12 days for the money to clear. It has cleared my banks, so that means they are sitting on it collecting interest for 12 day, and preventing me from making a purchase. This company is predatory. I was told it had to do with Anti-money laundering laws. Well after reading up on these laws it was clear that the company set their own time limits not the law or government. So they intentionally hold the money to collect the interest. I was told it was in the terms. AVOID THIS COMPANY LIKE THE PLAGUE!

I made a full payment to my Synchrony Bank/Amazon store card on 10/4 in the amount of 241.72 which was my total balance. I have never had any issues with Amazon payments before when full payments on my larger balances have never been held for more than 3 days. Today is 10/12 and they are telling me it won't post until after midnight. When I called today I received very little help and basically told because I was late in the last six months on a payment (by 2 days). The first rep just told me it was going to release tonight and I requested a supervisor which I got an "account manager."

I applied for the Banana Republic Visa card and one week later I receive a Banana Republic store card. I called them to inform them that this is not the product that I applied for, and the answer I received was that based on my credit score, I did not qualify for the Visa, so they decided to issue me a store card instead. My credit score is in the 720 range and I have never once been denied any credit card at all. So that really pissed me off. I told her that this is not right. They should have denied my application instead of issue me a product that I did not agree to have! Synchrony is a crappy bank. I should have looked at the reviews before applying. I learned from this mistake.

My "minimum" monthly payment just keeps on going up - they say it's to pay off my promotional purchases, but that's BS, because I paid off two of them and my minimum is still as much as a car payment. I called today, was transferred to an outsourced office and all that rep could say is "we need a valid reason to lower your minimum monthly payment". I'm broke. I have more going out in bills than I have coming in. I'm sorry I lost my job and had to take one that's a $15K/year pay cut. Yes, it's gotta be much harder on Synchrony Bank than on me that I'm no longer earning what I earned.

I was hacked in a healthcare data breach. I had an unauthorized credit request on 08/29/2017 for AMAZON credit card. I spoke and wrote many letters requesting to get the illegal credit inquiry removed. I was declined in a letter dated 10/2/2017 and verbally on the phone on 10/06/2017, Alerts on my credit reports and involved in a class action lawsuit against the healthcare facility did not matter. I have filed complaints with the BBB and Federal Reserve Consumer Help for Synchrony Bank's illegal activities.

Payments larger than your normal $30 payments do not free up available credit for 6 days. Synchrony has your money in their account drawing interest. Meanwhile you have No available credit.

I got this CareCredit card for my daughter's braces. It was interest free; my payments have been $143 per month, due on the 1st. Because our mortgage is the biggest payment, we try to have everything else on cycled on the 15th. I am active duty military and I am gone for training a lot; so I set all of my bills up to be paid automatically from USAA to my billers. Because I pay ahead, I am being penalized and charged late fees. When I called, I was told that I am being penalized for paying too early. WHAT!? I pay my bills not just on time, but early, and I am being penalized for it!

July 28th 2017. San Diego CA. Made a purchase at Discount Tire. They were offering 6 month no interest same as cash. Synchrony Financial (formerly GE CareCredit). But that's not what it is. All lies. Using Discount Tire employees to peddle their fraud. I have no beef with Discount Tire. They have always been a great business in my experience. Purchased 4 new tires. Government needs to reel in these crooks. They want minimum monthly payments. Didn't know. My fault. Thought I had six months to pay off. Because that's what they were offering. Charged me $27 late fee. So it isn't 6 months same as cash. Straight up credit card. Once it's paid off. Will never ever use their credit again.

I got a credit card through Discount Tire/Synchrony Car Care. At the time my parents pushed me to get new tires since it was dangerous for me to be driving. I was approved for 500 and then had to pay $100 for the remaining fee. Of course my parents paid for the remaining fee since I didn't have a job. I thought I got 500 for free. This whole time I didn't know I had to pay the 500 until I got a threatening letter. I called the number on the letter assuming it was discount tire. They told me my account is in collections. I still don't have the money to pay for it so I left it alone. I told them my circumstances. They never once told me they were charging interest or late fees. I thought collections meant it would be on my credit report and the balance wouldn't go up.

I have paid my TJX acct on time for about 2 years and all of a sudden they decide to review my credit score and close my account!!! No regard for making the payments on time- so I ask you, what is the point? Why pay any of my credit cards on time if at any moment they will just decide to close my account?! I called today and spoke to a rep named Rachel who was of no help whatsoever so I just hung up on her, then I called back and spoke to a rep named Robin who was nicer but of no help as well, she kept saying I could apply again?! Now how is that possible I ask you?

Stores and other places offer cards to people. I get offers to my Post Office and many emails. I am a housewife but I get some income from the gas etc. you like to stick in your cars. I have not much and I was not guilty. I am angry that a man with bad credit gets more than a woman with not much. I was basically your trustee. I hate false advertising, you do what you say. I complained because the phone couldn't be reached and no emails could be sent.

I have been victim of identity theft recently like millions of American, but unfortunately the thief steal my Synchrony/Walmart CC and since then my life become miserable. I have been impacted in almost everything starting my credit score to utilities company and bank accounts. Everything. This bank is almost not exist. They said they are member of FDIC but they seems follow different rules. Lousy customer service, never understand, never helpful, never honest. I have been in this problem close to three month now and things keep dragging no more.

I made on time payments and paid a portion of my balance early. Synchrony reduced my credit limit down to the balance I still owed. I called them and they blamed my credit score (but it was the same when they gave me the card). I paid off the remaining balance two months later and then they closed my account. I thought I was building up my credit with this card but their actions negatively impacted my score. They do not like for the balances to be paid off.

They will lower credit limit for no other reason than your credit score changing. Had account for years and used it regularly. Never late, over limit, nor returned payment, and always paid on-time. Received letter they lowered my credit limit because my score dropped 10 points. It was lower when I got the card than it is now... I closed all accounts associated with Synchrony. I suggest you stay away from Synchrony and any of its affiliates.

My husband and I got a credit card through Sam's Club, and the credit card company is Synchrony. They are terrible and not worth getting at all. The Credit Card, Synchrony bank payment is the worse. They charge me late fees when I pay early. They charge me late fees when I pay out of my billing cycle. I have paid more than my amount of payment, and they still charge me for that. They charge a high-interest rate than what I am supposed to be charged. They are always calling me for payment when I make my payments on time. They are nasty over the phone and don't help you at all to understand why my payments are not making the balance go down. I have been paying on this card since I received it and my payment is still the same.

I went through a financial hardship several months ago and had to skip 2 of my Amazon card payments (which is through Synchrony Bank), but as soon as I got back on my feet I made the regular payments and then recently a large $500 payment. We use the card regularly so I made another $350 payment to bring the balance down to only a couple hundred dollars this month. How do they reward you? By holding your payment hostage for over a week to "verify it isn't fraud" (even though it was made with the same account we ALWAYS pay it with, and they didn't do it when I made the $500 payment last month???), and lowering your credit limit MONTHS after the last delinquency. They didn't lower it after the $500 payment last month though (which brought the balance down to only $200). No, they waited until I made the $350 payment this month to do it.

Synchrony Bank is poor reflection on Sleep Number and I advise that they find someone else to partner with for financing beds. Synchrony Bank has a cumbersome and unintuitive user interface that creates confusion on simple tasks such as setting up autopay. Cumbersome customer service unable to fix issues in a timely manner. I highly regret using this bank in conjunction with the purchase of my Sleep Number bed. Hard credit hit for subpar service. Will not use them again and frustrated that Sleep Number chose a bank that does not live up to the standards Sleep Number strives for.

On 4/26/2009 I cosigned a CareCredit account for my son so that he could get some dental work done. The credit line was set at $3000.00. On 8/28/2017 my son passed away unexpectedly at age 34. On 9/18/2017 I contacted Synchrony Financial to find out the balance of the CareCredit account and take care of the account. I discovered that the credit line had been increased to $6400.00 at some point and I had not been notified. They state that they sometimes increase credit lines without notification. There is no way that my son's credit rating would have qualified the increase, he was struggling financially.

I had an Old Navy store card that got automatically upgraded to a Visa card, and they closed my store card account. Apparently, some charges were pending or they just transferred a balance to the closed card, and now I can't make payments on that closed account at all. They send me NOTICE OF RIGHT TO CURE DEFAULT letters in snail mail and email, and even when I make a payment with a customer service rep over the phone, the payment gets posted to my Visa account within 48 hours. So I have a credit on my Visa account while my closed account still has an overdue warning. I've made an official CFPB complaint but haven't heard anything yet. What's worse is that their site can only be accessed with Internet Explorer, and when I click Chat with a Representative it logs me out. Seriously incompetent across the board. I will NEVER ever in a million years do business with Synchrony again.

So of course I was prequalified to receive a Walmart and BP credit which are ran by the same bank. BP mysteriously sent a letter decreasing my 500 limit 6 months after only having for 6 months. What's funny about this is that I had paid the crap off and then utilized 180 of it on a road trip. And upon my return I saw the credit line decreased to the actual current balance used which was a slap in my face. I didn't think too much into it because it was a low credit card and just got it canceled. Their reasoning was that my credit was bad with too many accounts and blah blah blah! Now I had thought about paying my Walmart off but thought maybe they will pull the same crap as BP and what would you know, after paying it off and spending about 180 my limit decreased to 200 with the same tired reasons that BP offered. But now I'm calling BS!

I have had endless issues trying to access my accounts as Synchrony bank consistently tries to prove my identity by sending a text or call to a phone number that has not been associated with my person for over 7 and a half years. First, when I was initially trying to register to access my account and each subsequent attempt after. I will be closing my account because what is the purpose of a savings account if you cannot access the account?

1st of all, I was not aware that Synchrony was the bank associated with all of my bigger credit cards. In fact, I had them for a very long time before I realized it. I always paid my bills on time, but stupid me, got them to a ridiculous amount to the point I could not pay them anymore. So, I decided to close them, and did a balance transfer with another company (Discover) and with a much lower interest amount. Most people who are just like me, never look to see what bank the card is affiliated with!!! Synchrony has the worse interest rate, no matter how good your credit might be. I finally feel free and less stressed with Discover taking care of getting me back on track, and helping me keep my fair rating to good and very good, hopefully soon. DO NOT USE SYNCHRONY BANK!! Yes I am yelling, as I want all to hear!!

I have never had much luck with any of their customer service agents in resolving issues. Agents are incompetent. The latest was a purchase through a Kraft Music who offered Mysynchrony interest free financing. Kraft Music walks me through Mysynchrony 12 month "interest free" financing. set up auto-pay minimum payment and Mysynchrony will automatically calculate the monthly payments to avoid interest. This was the Yamaha financing which should have been the same as HOME DESIGN - CE / APPL / SYNCB offered by Sweetwater Sound which does accurately calculate out interest free payments. But it does not. The 12 month became an 18 month and the minimum payments were $36 short of the required monthly payment to avoid interest charges. I contacted their customer service and had to sit through a lengthy automated review of my account which I already was aware of.

When my wife applied for a credit account via Synchrony Financial, who for some reason changed their previous name from "GE Care Credit", they asked me for my information as well to verify since she is not a U.S. citizen. Synchrony Financial ILLEGALLY SWITCHED the account information to my name when I wasn't the original applicant.

These companies had elected a terrible bank and we are treated horrible. Shame on this big and popular corporations!!! The debt might be 200$ but the add so many fees that the balance on each card totals over 1000$. So I am not going to pay them a cent and I would fight it in court!!! I feel for all the people that they are scam in SHAME on these companies.

I had a credit card through Synchrony Bank for Banana Republic and Belk and had these cards for many years. In January 2016 my accounts were delinquent by just a few days. However, as soon as I realized I had not paid these bills, I made the payments and my accounts were both current. In November 2016, I paid off both of these cards in full. Since November of 2016 I have not received any further correspondence from Synchrony Bank until August of 2017 when I received 2 letters stating these accounts had been closed due to "severe delinquency" and this information was reported to the credit bureaus which negatively affected my credit score.

When I purchased furniture at Ashley Furniture, I signed up for the 1 year no interest promotional financing. After 6 months I started being charge interests. When I contacted Synchrony, they explained Ashley entered it as 6 month not 12 months. Which I understand that I need to take it up with Ashley. So I in turn paid off that full balance plus $50, except for another balance from 12 months promotions item I purchased a month before. I am currently on autopay. I just happen to look at my statement today. What I found was an interest charge of $11.51, I understood the fact that was interest billed after the current statement at the time of pay off.

The Interest rate of 29.9% is of course ridiculous, but it is 0% interest as long as you pay it off w/in parameters. Here's what I take issue with. Synchrony only allows you to use a checking or savings account free of charge. If you use a debit or credit card, which you cannot do online, you have to call to have associate process the payment for $10! Really!!! This company is in the business to gouge people. And that's confirmed after reading the thousands of reviews. Attn Synchrony weenies! May you drown in karma!

PLEASE DO NOT ALLOW YOURSELF TO BECOME ANOTHER VICTIM. This is the worst company I have ever dealt with! I cannot create an account to pay online. Every time I chose my log in info, they make you log in once you created, but then tells you your login is incorrect, and then you create another one and it tells you the same and this happens over and over again.

The worst service and least user friendly app I have ever encountered. I have been trying to reset my password multiple times so I can pay online. Not only is it NOT allowing me to reset my password after I populated my account, last 4 digits of my social and God knows how much more info. It does not allow me and I have to go through grilling security questions which then lock me out. THEN, when I call customer service, their answer for the past 5 times was, well, you have to wait 30 minutes and then go back to the ** website so the same thing would happen again.