Synchrony Financial Reviews

As suggested by the thousands of 1-star reviews, this is the absolute worst bank in the USA. They issue credit cards for Sam's Club and Wal-Mart, among others, so be forewarned. We no longer shop with ANY business that does business with Synchrony. If you look up the word "ineptitude" in the dictionary, you will see an illustration of Synchrony Bank Customer Service.

These scumbags prey upon the working class. I bought a bed through them and tried to pay everything before interest kicked in. ONE day after the cut-off, I see that they charged me almost $200 INSTANTLY. Disgusting. Absolute faceless grifters. I paid it off to prevent even one more penny of my money going to them for "interest". Yes, I know this is how credit works but this insane amount is so egregiously greedy it's like cartoonish evil. BEWARE.

They make me pay a late charge of 38.00 for being one day late. I make a payment every month but my balance never goes down. Every month my payment amount goes up, why is that??? Very troubling to work with Synchrony Bank. I made a payment of 38.00 dollars on time, but they believe I need to make a payment of 49.00 dollars up from last month of 38.00 dollars. Wow my nerves are fried!!!

I have had a CareCredit card for family and pet health emergencies.. I have had this credit card for over 5 years and I have never missed a payment. I paid it off in full just last month when suddenly I get an alert my credit score dropped significantly because they closed my account! After calling Synchrony Bank they informed me they pulled my credit report and saw I had high credit utilization on other cards and just closed my account without warning. I have never heard of this and find it insane to be punished because I have been trying to get out of debt and raise my credit score to buy a home.

Not by choice but Synchrony took over several of my retail credit card accounts. If you are one day late with any payment regardless of making extra payments they charge a fee toward your full balance while doubling or tripling your monthly payments. They make it impossible for you to rectify one late payment. At present I have s total balance on one card of 600.00 and they want a monthly payment of 200.00 which is like 1/3 the total balance but it is filled with interest and fees. Nothing short of a criminal company with NO customer loyalty. Close every account you have with Synchrony ASAP!!!

I was having a procedure, I was told to apply to see the rates, decided I didn't need the credit, but they opened an account in my name and on my credit report anyway. Their response was that I applied, so that meant I wanted the credit. I wanted to see the rates, beware, don't let your medical provider run your info through them.

After 3 years of holding a Synchrony / Lenscrafters card I received a letter yesterday stating they are closing my account. Why? This I am still unsure of. I have NEVER been late or missed a payment. I have purchased 4 sets of glasses ranging in price from $400-$650 ALL of which I paid off in the 6 months / 0 interest period. I once again brought the account to a zero balance last month and conveniently this month my account is closed. Synchrony Customer Service is NO HELP and could not provide a valid explanation or reason for this decision. My guess, they were not making money off of me because I was paying off the charges so quickly. BAD BUSINESS ETHICS SYNCHRONY!

I bought things from Evine without problems before and paid them off. But when you do a payment plan, Synchrony becomes involved. We bought our family members salt and pepper grinders and got a good deal with Evine. I chose to pay out in 6 monthly payments. It's now 5 months later after 120 worth of payments that Synchrony changed my credit limit from 1,000 to 100!!! Now they are calling everything late and not paying Evine.

Synchrony Bank closed my account in error. They removed my account in error. They have done absolutely nothing to rectify the situation. They reported incorrectly to the bureaus. I am seeking legal counsel to rectify this.

Enrolled in automatic payment. After payment 1 of 600$, they deducted as payment 2 the full remaining 14K for my loan from my bank. When I called for redress they said the best they can do is draft a check "we do not make wire transfers" which cannot be drafted until the beginning of next week, and will take 3-5 business days to arrive.

Never apply for a store card without knowing who backs the card. I unknowingly held a Synchrony card for Old Navy, Amazon, and PayPal without knowing how miserable the experience would be. Customer service for the company is not housed in the United States, and you can barely understand the operators. They talk in circles to avoid answering any real questions. You can make your payments on time, but a random credit score review will result in a spontaneous credit line decrease out of nowhere. If you pay your balance off, you can count on having your account spontaneously closed. I don't understand how punishing their customers for having a score they find undesirable, even if the customer is paying on their account, even paying over the minimum payments, timely each month.

This is the worst company ever! If anyone would like to create a class action lawsuit for their bull credit practices let me know! They lowered my credit balance $750 trying to state I made 4 late payments. I have never made one late payment, if I used the card I would pay off the amount before the next statement! I believe this is an illegal attempt to collect interest.

I am stunned, livid, and I feel really taken advantage of... I get an email from my bank account (NOT Synchrony) that I was charged $570 in interest. Surely that's a mistake, right? I realized the 0% financing promo ended, and I expected the typical 26.99% of the remaining balance to be charged. Not ideal, but manageable until I can pay off the rest-- or so I thought. No. I called in to correct them of their mistake, and I was told that the amount was correct, and it wasn't just 29.99% of the balance. No, it was 29.99% of the balance or each month I was graced by the promo period. LIVID. I asked for a manager, and she said before she transferred me, if I wanted to hear her alternative: simply pay the original balance within the next 30 days and skip the interest. Is this legal?? I will NEVER use that card again...

I applied for a Marvel credit card and was denied. Okay, I can live with the denial, but the information included for the denial was FALSE MISREPRESENTATION OF MY CREDIT REPORT! It listed my cred as 666. It's NOT. It's 715 (and was, long before I applied). Claims of serious delinquency. False. On ALL my open accounts, there is only 1 missed payment for one of the accounts. EVER. Listed "Number of Accounts Paid as Agreed." I have one settlement with Verizon that dates back AGES. Ratio of Loan Balances to Loan Amounts. I have only TWO unpaid loans -student loans - and the first payments aren't even due until six months after I graduate! All accounts besides are. PAID. IN. FULL. BALANCES. ZEROED. OUT. Talk about Credit Card fraud. >:(

I had a BP credit card for over 40 years... Last in Jan I sent in my Feb payment. It was posted to my Jan BILL and I was reported late in Feb to the Credit reporting agencies and my card was canceled! I sent an Email to BP with no reply!! So that means the BP gas is OK with they way their consumers are treated!! SO boycott BP gas!!!

Synchrony Bank is the absolute worst bank to deal with if you have ANY credit card problems... Even if you are current, paid up and on time with any/all of their credit cards but experiencing any problems with another of your cards Synchrony will: Cut your credit limit to the bone, CANCEL existing Synchrony cards with no balance and not respond to any Customer service requests to change the above problems. All with absolutely no notice to the credit card holder. THESE ACTIONS OBVIOUSLY CONTINUE TO LOWER YOUR CREDIT SCORE dramatically. Do not open any new accounts with them and pay up and cancel what cards you have currently... Read the other reviews. These guys stink.

I can relate to many on here with the lowering credit amounts... OUT OF THE BLUE! And... causing my credit score to lower... which in turn... causes havoc on your credit score! They caused my credit to drop and then decided... since it dropped... to follow pursue with my other credit cards with them! WHAT??? Who does this? Surely this can’t be LEGAL? Payments never late and... always paid more than the minimum. I also experienced HORRIBLE UNPROFESSIONAL attitudes when calling for an explanation! Seriously... I could barely understand the person on the other line and they couldn’t comprehend my language. Why... do we subject English speaking people to such nonsense?

I had a Gap card for four years. All of my payments were on time, and often early. I hadn't been shopping much before or after Christmas, so in response to my not buying clothing from them every single month, Gap/Synchrony downgraded my account from Silver to Blue (boo hoo). A few weeks later, they closed my account!

I had 4 credit cards with this bank. Gap, Toys "R" Us, Banana Republic, Old Navy. This is the only bank that closes cards and lowers limits for making payments on time! They wreak havoc on your credit! Steer clear of this company. They are a joke! When I called them for an explanation they kept saying my credit report changed. My credit report HAS NOT changed since opening my cards with them...except for the damage they did by randomly closing my cards or lowering my limits!

I had the worst experience with a Synchrony Bank. They put on hold my charge, after authorization they still didn’t process it and following it charge me twice. On top of it they charged me interest rate of $285 without notifying about it. The app doesn’t tell any information. WORST BANK with the WORST CUSTOMER SERVICE.

Dealership offered 5% APR and 0 down for brand new Suzuki motorcycle. Apparently, the paperwork was messed up, as the state entered some vin numbers into the system incorrectly, so I contacted Synchrony Bank (a subsidiary of Synchrony Financial) a dozen times over the last year and a half to try correcting the problem, as they are the lienholder, and the title needed to be sent back to DMV to correct the problem.

The staff at this bank is terrible. I had someone steal my identity and they still want me to pay a balance due which there was fraudulent activity on my credit card. I think what we should do is get a class action lawsuit so we can teach these Banks a lesson.

1 star is WAY too generous! I have been an customer for 5 years and I just paid my card off on February 22 2019. On March 3, 2019 they closed my account after getting $1,100 from me and won't give me an answer! I would NEVER recommend them to anyone!

DO NOT DO BUSINESS WITH THIS COMPANY! I have - well, HAD one of these stupid cards. Very low limit ($200), only had it for 7 months, used it very little and paid it off regularly. Had not used it since December. Went to buy a candle and was told it had been closed! I figured it had to be a mistake so I called. Dude tells me they canceled a card that was in good standing because my credit happened to dip below a certain level (and only because of a mistake - that was fixed by the other company!). So this ridiculous "bank" has caused a hit to my credit that I didn't deserve because I paid their card regularly but didn't use it often. Completely baffled. Furious beyond reason that my credit score has been affected by a crappy $200 card! DO NOT DO BUSINESS WITH THIS COMPANY!

If you’re reading this and you are even considering this bank, DO NOT DO IT! To sum up my experience, I went to a furniture store called Havertys and I bought several different items. My headboard was over $600. Thousands of dollars on two mattresses and a sofa. Of course, the sales lady talked us into financing with Synchrony Bank in order to receive special promotions. That’s where the robbery began. All three had different promotion dates. The first one was paid off. The second one was due around the holidays so I called for my total balance they told me $1,000. I asked if they can extend as a courtesy due to the holidays and traveling. They told me they will extend it and to call them to remove the interests. I paid the $1,000 in three payments. Apparently, if you don’t call and specifically tell them which promotion to allocate your payments towards, they will allocate it for you. If you miss 1 dollar, expect to be hit with a 30% interest rate!!

I have these guys for 3 cards. One with P.C. Richard and another with Newegg. Dealing with those have just been simple. Primarily because I don't acquire more than two purchases and everything gets paid off easily. Currently ending a 12 month and a 6 month promo. While starting a 36 month. Customer service usually tends to be from the U.S. So far no complaints with either. Don't plan to use them much.

In updating our account name, they reverted to making deposits to an account that hadn't been used in over 6 six years. They froze our account and did not allow us to use it. I had to make 2 calls and spend over an hour talking to people who could not help me. They would not listen and were very argumentative. They could not verify the account used in the previous ACH transaction a week prior. They forced me to do extra work by filling out a form, sending a "new" voided check and a bank statement showing the deposits that were made. They kept blaming in on my bank, but it was clearly their error that they were unwilling to fix without me doing the change of account.

I love the convenience of my Amazon Prime credit card. Can't say the same for its finance company Synchrony. Thought this was a good deal over Christmas on purchases, but ended up paying interest over 2 months. Pretty sure I understood the method. I do promotional purchases all the time with a popular box store with no problems. Synchrony tells you your payment is applied first to non-promotional balance (yes, I checked the correct box) and then to promotional balance. Sorry...didn't work, sad to say. I will pay off balance and be done with it! BTW their 'Chat' feature is quite odd. You sign into your account, but when you click on the 'chat' option, they want you to sign in again...with passwords, card#, etc. I backed out. Sounded fishy. No one else does it this way!

I have several accounts through Synchrony Bank. I have been unable to log into their website or their app for five days now. They put out a notification that they are undergoing maintenance and all would be resolved by February 23 no later than 11:00 AM Eastern time. Guess what. All site, all app still down. Maintenance with normal companies takes a few hours during non-working business hours To make it as convenient and as non-disruptive as possible for the consumer, for this company for whatever reason it takes days and days and they are still not finished on time. Extremely poor technical ability and skill on the part of this bank. That’s a shame in 2019 when we live in a virtual world. Very disappointing.

I have several Synchrony Bank Cards, and if you dare pay them off or not use them constantly they will close your account for no reason. This impacts your credit score. A person can only buy so much furniture in a year. This is the worst company I have ever dealt with!!

Today’s Date February 2019. I opened a Walmart MasterCard through SYNCHRONY BANK in July 2017. Seemed like a good idea at the time. I have increased my use of it every month since then. My monthly bill has been between $1000, and $2000 for the past several months. It is paid IN FULL by electronic transfer before the due date EVERY SINGLE month. I have five other credit cards and do the same on each one. My credit score has exceeded 800 every month for many years with both Experian AND TransUnion. I check my scores monthly as a preventative measure. And so, the events that took place yesterday greatly concerned me.

Synchrony Bank is the worst credit card company to deal with. The customer service is rude, non English speaking and have no knowledge of what they are doing. I just have spent multiple hours trying to resolve a restriction issue on my card. They are saying the issue is with the vendors and telling me to contact them. They are making it my issue not theirs. Do not take this card on vacation, it will ruin your vacation.

I was given an interest-free credit limit of $1500.00 and my dentist bill was $1,599.00, they charged me $75 interest fee on the $99 then fined me $437 because I did not pay it off in 12 months. I did not know it could not possibly be paid off in 12 months because the $99 that I did not realize was sitting in a holding tank and never being paid on. Crooks.

I have a 0% interest account with Care Credit that is serviced by Synchrony Bank. I have a monthly minimum of $68. I paid $335 on 12/10/2018 and another $100 on 12/31/2018 that cleared my account on 1/2/2019. In February 2019, my billing statement arrived with a late fee charge of $28 and a past due notice. They had applied a double payment to December and not applied the 12/31 payment to the next billing cycle. I called to ask to have the $100 reversed for December, applied to January and late fee waived. They told me it wasn't possible because the billing cycle was over.

I paid my December bill on December 3, 2018. I started receiving harassing phone calls, some of which woke me up, from the company until I finally got a supervisor's supervisor to what I thought was to correct the problem. They said I paid my card too early, therefore my payment did not count. My reply was, "It sure did count in my checking account!" They said it was corrected. I went to pay my February’s bill and found late charges and a huge amount tacked on. This time I called and I got one of those overseas call centers where I had difficulty understanding the agent, and asked to speak to a supervisor, which she said, “Yes but it will take a while.”

So in July of 2018, my girlfriend and I open a joint CareCredit card that we were approved for a credit line of $2,000 for our pets at the vet. We put roughly $500 on the card for medications they needed at the time and I've been making the minimum payments on time ever since. Now, if you pay attention to the account, you'll notice that they charge you interest every month as well as a "card security fee" which is about $5 for every $100 you put on the card, or in my case about $25/month. Add that to the interest fee and it comes very close to the $38/monthly payment I'm making and the balance goes down very slowly.

I've had a Walmart Card for just over a year. I've paid early, MORE than the minimum payment required without issue...UNTIL...just before the New Year I went online to make my payment (4 days early). All seemed well, confirmation number, etc. as usual. January 11th, 2019 I get an email telling me that I didn't make my payment, blah, blah...WHAT? I promptly called the number only to discover this was 'collections!' It was evening, my bank was closed & there isn't a 24/7 Customer Service. Small town & I like my bank! :) I shared my confirmation number & the amount (well over the minimum payment required) but was harassed by the rep to make a payment immediately. I stated that I was concerned about potential hacking & couldn't make two payments when I had already made my payment. I promised once I investigated the issue with my bank I would promptly get back with them ASAP.

I purchase 2 phones from Google & took advantage of their 0% financing offer - not worth the hassle, wish I had just paid for the phone with cash. I never got the "card" they said they sent in the mail and you cannot make your 1st payment or login without it. They make it very hard to talk to a real person & once you do there is a language barrier and they are very poorly trained. With 4 days until my 1st payment was due, I could still not login to make a payment. It took 3 different sessions of chat plus an hour-long phone call with 4 different reps (they kept transferring me). Should not take over 2 hours to set up auto pay. Do not get me started on how useless their "virtual assistant" is. I think they do this on purpose so you miss payments and they can charge late fees - why else make it sooo hard to pay your bill?

I had an account with them a few years back. I do admit I was late on payments, and I was reported to the credit agencies. I ended up paying off my account of a little over $700. All was good. I printed it off and showed it to one of my credit agencies to clear it, and it was. I didn't get around to the other agencies. However, I noticed it later on that it said it still hadn't been paid off. I decided to finally move forward to clear it. When I signed in, that account was gone. No record of it. So I call to get some printout or something showing that it was paid off, so I can get it cleared from my credit. They told me they have no record of me paying for it and that I still owed money. They said my account was closed and there was no online documents.

The CareCredit card is an unethical scam that preys on vulnerable people in need of assistance with their healthcare bills and ends up cheating them out of all the deferred interest they thought they were avoiding. If one is even one day late on the last payment, after paying in full on time for an entire year, the TOTAL DEFERRED INTEREST FOR THE ENTIRE YEAR becomes due. A warning about this does appear in the fine print on the statements, but Synchrony knows that most customers do not read the fine print, and would not expect such a draconian fee.

First, their interest rate was out of this world. Last I checked it was 28%. This is highway robbery. I decided to close this account realizing that I would never be able to pay it off, even when making more than the minimum payment. I called, got the payoff amount, negotiated paying only half of the outrageous interest and paid it in full. I confirmed with the agent that the account was closed. That was December 29th. On January 3rd, they let a charge go through on what was to be a closed account. It was for $45, I got a statement a few days later for $150. I went ballistic.

So I entered into a credit card promotion Amazon was running about a year ago and opted into this credit card. Upon approval I received a $600 spending limit. I used my first payment to finance a work out equipment for me and it was roughly $210. I opted to go for the 6 months no interest if paid in full. I was also right in the middle of moving to my current home when I did this and I updated all of my address information and made sure it was current. First month came and I completely forgot about making the timely payment and was only 10 days past due. I made the payment with a little extra.

I called this morning to verify my account to see if I could have my animals taken to the vet and sewn back up. I was assured by an agent by the name of James that all we would have to do is call in since I didn’t have access to the card. We called in. Access was denied. My dog died. I am now suing Synchrony Bank for fraud.

Most credit card companies value the customer first, but this institution was less than helpful. I had signed up for an interest free promotion. I set my account up for auto-debit. When the promotion came due, the account was not properly auto-debited, and the bank charged $400 on a $900 balance. The balance was paid the following month after the payment showed up, but they were not flexible on anything.

This company should be investigated! They are horrible. Have never missed a payment with any of my cards, but yet and again they continue to pull my credit. Took my JCP from $1900.00 to $400.00 and then out of the blue closed my account. Same thing with TJ Maxx, QVC, Walmart. Waiting for them to close them as well. The only way I’d found out was through my alerts with Experian. When you call their customer service it is of no help. And of course they are in another country. What the heck they care about you are asking them. And then they have the nerve to say thank you for being a valued customer. THIS CARD SERVICE IS HORRIBLE! PLEASE SOMEONE INVESTIGATE THEM! They are lucky they got a one star rating. They don’t even deserve that!

I'm on my second loan for dental work. I paid off my first on time so tried again. This time after a month they tell me I'm late and hit my credit report. Now they say I have a monthly minimum of $125.00. I had no monthly minimum on my first loan and none was mentioned on my second. They have now reduced my limit to what I have borrowed so I am maxed out. My other cards are reducing my limits now. My agreement was to pay it off in 18 months. No monthly minimum was ever mentioned. Now they are driving my credit score down. I paid $1500 to get them to back off but it only counted as one month and they are back harassing me at night to make a minimum payment. Two weeks after I made a year's worth of payments! Do not use these CROOKS!

My Synchrony Bank Mastercard account was taken over by someone calling by telephone about 3 months ago. The person calling was challenged with and correctly supplied my mother's maiden name, which is fairly easily found on the Internet. Synchrony then allowed this person to change my mother's maiden name, thus locking me out of my account! The person also changed my mailing address and charged about $8600 at an online music store. When I contacted Synchrony's fraud department, they wouldn't talk to me because I couldn't supply the "correct" maiden name of my mother. After three days, I was able to regain control of my account and change my mother's maiden name back.

My bank transitioned and was taken over and a payment was missed. The ONLY one ever and I pay my account in full every month. I tried at first, to politely rectify the situation with Synchrony's customer service. Disgusted with that. They were unhelpful, dismissive and could care less whether you have excellent credit or not. I also have a theory that, because I did all of my purchasing through that card on Amazon and paid it off each month, they maybe didn't like my 5% back payments because, I have to say, that was a plus. I can't say what I'd like them to do with their card, but I will be happy to continue using Amazon without their card.

Based on the reviews I’ve read this bank is a very bad one. I’ve had a Sam's Club (MC) cc. I’ve been on top of keeping it paid. Well I did fall on some hard times. The next thing I know they send me a letter in the mail saying crap like, "We can sue you" etc. Then in Dec of last year Synchrony Bank sent my account to Portfolio Recovery Associates LLC. Based out of Norfolk VA. I've never heard anything great about them either. So I’m going to pay off the balance in full just to get them out of my hair once & for all. I know to keep track of it when I pay it off in full. Based on what I read here Synchrony Bank is bad news. I wished I would have known this before I ever got myself mixed up with this screwed up outfit. Oh well you live & learn.

If you are planning to obtain a credit card from a merchant that uses Synchrony, like Lowe's and a number of others, be very careful! As you have read from other complaints, this company borders on being fraudulent! I am 76 years old and have never, in my life, found another company with such poor Customer Service! With their way of doing business, you could have your credit ruined, they might even cause you to lose money. My wife told me today that she had some Credit Cards that were through Synchrony. I ask her to please close those accounts.

I had 6 5 year CD's with no early withdrawal penalty and am in the process of moving the $ to another institution. After I sent the forms in I called and asked them to send the $ by overnight mail. They closed all 6 accounts on 12-3-18 and my wife's 3 account $ arrived in time to be reinvested on 12-6-18. My account which was larger has still not arrived at the new institution. Called Synchrony and they said the check did not go out until 12-7-18 and it must have gone regular mail. As of 12-13-18 the new institution still does not have it. I have lost $125 in interest thru today. Don't know if this someone making a mistake or them trying to make a little more $ at my expense.

I finally paid off my CareCredit credit card and then they closed it out. As far as I am concerned all Synchrony Bank does is screw your credit up. I have a bunch of different credit cards and they are by far the worst. Everyone has issues from time to time. They kick you when your down. They are the only company I know to lower your credit limit and then close you down. All other companies work with you and help you - not them. They make it worse. Do your self a favor and never open an account with them. You will regret it.

I signed up with this credit card with the idea to pay it off in the 6 months interest free. As soon as I got the card I received a 10 dollar card security fee. This was only the start. I soon got a notice that I missed my first bill of minimum of 30 dollars of 574 that I paid for tires. I was unable to find a notice of my November bill in my email. Could have been misplaced. I now have a second bill with 66 dollar min., 2 dollars in interest charges, 10.16 in card security again and 27 on a late fee. Before my second bill has been due I paid for the whole card due to the fact the 574 jumped to 623. This is not a card you want.

Opened a credit card to purchase furniture on a deferred interest program. Monthly payment amount is much higher than it should be. When questioned they have no straight answer and say they will review. The numbers they are using are completely off and they keep saying it takes up to 2 months to correct. Until then I am required to make payments to keep my account in good order. How many people are they doing this too and collecting extra money? What a joke. Can't get it resolved and getting very frustrated. I work in retail and use similar companies all the time. Have had ZERO issues with other stand up financing companies. This one, not so much.

I am very displeased with this companies and the deferred interest policy on purchases with Amazon Store Card. What is not clearly understood is that if you do not pay the balance off during to promotional period, the interest is retroactive back to the original purchase date at 27.99%. So for those that make a large purchase and can't pay off the balance before the promotional period ends expect a huge jump in your Balance owed and it all interest. The real harm is the multiple ways they set up how your payments are applied during the promotional period. They offer options to pay non-deferred balance before deferred balance which is selectable but defaults to non-deferred balance. This almost guarantees that you will get charge the full retroactive interest rate if you do not select pay deferred balance interest first. I suggest you do not use this company unless you are paying all balance off before promotional balance expires.

I had a Walmart CC through Synchrony Financial. My credit limit was $200 which I paid off every month, never late. I had a problem with my direct deposit and some items were returned due to the error, my bank didn't charge me NSF fees. Synchrony re-submitted the payments and they were paid. Then they closed my account even though I was in excellent standing and refused to allow me to submit proof from my employer and the bank it was their error. When I called, they told me there was absolutely nothing I could do to reopen my account so I took a ding on my credit for $200. Pissed is putting it lightly.

Synchrony is being a horrid pain. They have sent mail and been told twice that there is no estate for paying this card bill. I want them to cease and desist and leave me alone to grieve in peace.

Reading here, I am not the only one. No surprise. They dropped my gas card to $50 limit preemptively because I was having trouble with the bigger cards. I never was late and never missed paying the gas. This limit doesn't even fill up my tank once, so how helpful is this.

Started out with a 1200.00 limit. It went to 250.00 for NO reason at all. Now to $100.00. On another card of theirs... CareCredit, it started at 500.00 and went to $200.00, again for NO reason. I have always paid them on time. I hate them.

My husband and I financed a Sleep Number bed with Synchrony Bank. A monthly payment was set up on auto pay. This bed was purchased in September 2018, mainly because my husband had some health issues. He was a Vietnam vet and a first responder to 9/11. The first auto pay went through as normal for the month of October 2018.

We've been faithful customers for quite a few years now. Each month the minimum is paid on time the next month's minimum is reduced slightly. They offer special deals if one pays the account off during a specified time frame. However, the payments are at times not posted for days. This month it caused one payment to be a single day late (I had paid it days earlier), so they tacked on a late charge. When I called them on it I received a sing-song song and dance word for word of the policy, then got the contact to drop the late fee. However, since I never take advantage of the "deal," the contact told me that my minimum payment was now increased from $55 to $86 a month. When one is consistent on payments and does not add charges the payment is supposed to stay the same or decrease. To me this is a scam operation.

I just opened a Sam's Club card with Synchrony bank. I got the card in the mail, activated it and started making purchases. The card was suspended by fraud dept. I called and was told there was NO way my account could be authenticated. Not via email not via telephone text. They forced me to wait 10 days to get a code in the mail. The rep and manager that I asked for were RUDE and were in a foreign country and I couldn't understand them. Not helpful at all! Then I called back once I received my code to unrestrict my account and was told that this could happen again. This card is NOT DEPENDABLE and their security process needs improvement. May cancel my card after reading all these negative reviews!

Can't log in after having made previous successful payments. Customer service rep rude. Escalated to manager who required that I erase all cookies on my computer so that their program could work - which I declined to do. Went in and erased all Synchrony cookies and was able to get in. Now I seem to have to do that every time I need to make a payment. They have made their problem become my problem and life is too short for that. I'm paying this off and getting outta here!

This is a corrupt credit card company and need to be shut down. They reduce credit limits even though pay on time and hurt credit scores. They are a complete scam and not sure why they are not investigated especially with poor customer service tactics and non-English speaking jerks.

My son got this CC with some special offers, and owed them about $8000 a year ago on this card. Never missed payment. Now he owes them over $9000. He has to pay every month $150 interest on $300 payment. Once he had almost $2000 interest, and once $900 interest. Great SPECIAL OFFERS!!! Wander how far they go?

I have an Amazon, Belk and Old Navy Card with this bank and... I’ve ALWAYS paid on time and more than minimum requirement. This bank has lowered 2 of my accounts balances with NO reason! Plus... They do a credit check time to time and it’s showing on my credit! Seriously...is this legal? I’ve never had a credit card company do business this way. I’ve had credit for years now and they’ve caused my credit score to drop 50+ points! There has to be something that can be done. This seems fraudulent to me. Where are the rights of the people who are being taken by this shady company.

Just like other consumers I paid off my Rooms To Go card and Walmart cc; a month later Synchrony closes the account. First they lowered the credit limit then closed the accounts. This company is ran by scam artists. They try and punish consumers for wanting to keep their debt down and paying their bills on time. They don't give any warnings just a letter stating that after a review you are no longer creditworthy. And this is after they have been paid on time and early! Definitely a rip off. I don't see how the FTC allows them to handle so many department store accounts with these practices. I will not apply for any accounts that are linked to Synchrony!

Without my permission, they signed me up for Card Security which has been costing me about $40/mo. Either the representative who signed me up gets the commission on this, or they do it, just hoping you never notice. This is a disgusting practice of ripping off their own customers. This is fraud.

I'm closing my account because this card is a FRAUD. I was charged some fees without purchasing any product or service on this card. I called multiple times to get help to get the undue charges removed from my account, but didn't get any. I was always referred to Amazon Prime though I didn't subscribe to Amazon Prime. Amazon being an awesome company, tried to help and got me part of the money back, but I still had to pay $17.06 out of my pocket eventually. So, I decided to close this account now that I've cleared the balance before I become a victim of your FRAUD again. Trust me, AFFLICTION SHALL NOT RISE A SECOND TIME.

Customer Service Is Horrible. They are incredibly rude and give misinformation. One person told me I could call to reschedule my due date, and then another told me I couldn't do that. They all seemed to have different information about my postdated payment. I told them I had a postdated payment because I had to pay for my father's funeral and the lady just kept saying "You still have to pay the late fee." I didn't ask about the late fee, was well aware of the late fee, and don't appreciate their uncoordinated and somehow still robotic approach to customer service when I have never made a late payment in my five years with them. Ridiculous.

We were having Kitchen remodeling with Rochester Flooring Kitchen & Bath which had us pay $4,200 down and apply with Synchrony for 0% interest for 26 months. As soon as we were approved almost a month before any work even started Synchrony wired them $25,000 upfront. They started work on 8/27/18 and quit on 9/14/18 after only working part time for three weeks. At that point no cabinets were installed. We submitted documentation, photos, and receipts clearly showing that Rochester Flooring Kitchen & Bath did not do anywhere near $29,200 worth of work and even after they said Rochester Flooring Kitchen & Bath said we owed $27,000 including a countertop and sink which we explained a countertop cannot be cut or delivered until a template is done and all base cabinets have to be in place.

I received a Synchrony Car Care credit card through Meineke Car Care Center. The interest rate was high but, it was an emergency to get our car fixed. Each month I received a late fee. I paid it before the due date. I was told since I paid it early the payment would go to the prior month, not the month in which it was paid for. Then I was told to pay it after the 8th of the month and it would be applied to that month. I got another late fee because it was after the due date. When paid on the posted date I got a late fee because it came on a weekend or holiday. I finally began to see a pattern. Synchrony makes money on late fees. I have not had a problem with any other bank or credit card with late fees.

Horrible bank! Applied for this card in December to purchase a water heater. I was approved, later I purchased a dishwasher. They increased my credit limit without me asking, I found out when I received my statement. We received a notice from Credit Karma that an account was closed on my husband's report. He did not apply for this card, I added him as a user on my account. When I called to let them know a mistake was made, because my account was nowhere near the limit and it was in good standing, paid up to date.

This BS company exist to destroy good credit ratings. Never deal with them. By no means. They move in secret. You find after you've been stabbed. They dropped my 3500 to 1800 without notice. May this company be exposed, & shut down. Stay away from these low-lifes. I went from 750 to 593... Wtf!!! To hell with each employee. To hell with the owners.

I would never finance anything through this company, I would go hungry or without before I ever give them another penny. They charged me a $1000 interest charge on a $900 balance without notifying me at all and then refused to reason with me on the phone or offer any logical explanation. I could have easily paid the balance but had no idea that the interest charge existed. I asked to speak to a manager and was placed on hold for 30 minutes before speaking to a rude account manager who constantly interrupted and talked over me. Please avoid this company like the plague and use anyone other than them.

I ordered three sweaters online from TJMAX. I used my TJC rewards card. When I went to check out, a note came up saying could not process payment at this time. I kept trying. The same note kept coming up for six days and during those days I tried several times a day. I had $1300 credit left on my card. The order was for $65. I called customer service several times as well and they tried putting in my order too. They got the same response. I called Synchrony Bank and got the automated system. It said I had zero credit left! I waited to talk to a representative. Apparently they charged my card every time I tried calling to place my order! On top of that the order still did not go through!!!

I had both TJ Max and Walmart credit cards. Paid them both off and then the accounts were closed. I was never late with payments, but this has made my credit score go down, I would like to know if this is legal... I still have a Belk card. I'm hoping they don't close this account.

My cards are Belks, Empire Carpet, Capital One, Walmart and maybe Kohl’s. I have other credit cards as well and have always paid more than the minimum before the due date. I’m a Macy’s platinum card holder, Belks premier rewards card holder. Both cards had high spending limits in upwards of $5000. In July of this year, we had a tornado touch down in our community damaging our home. We were in a hotel and I was away from my planner and bills, due dates and amounts. Not to mention the stress of our situation. I was late on my bills but explained my situation and was able to pay the late fee but have it taken off my balance! In August I ended up in the hospital with an eternal intestinal bleed.

This company is very rude and very unprofessional. I sent a payment over $2300.00 to this company in error. It was suppose to go to pay off Conn's Home Plus. Synchrony has an account with Conn's credit card. I don't have an account with Synchrony with this department. The customer care reps are very rude and for some reason, they can't find my payment, because I don't have an account with Conn's through Synchrony. I have proof where they cashed and endorsed my check, but for some reason, can't account for it. I have been fighting to get this issue resolved for over 2 months now with no help or assistance from Synchrony Financial. In the meantime, I have to continue to pay for the Conn's account I do have until this issue is resolved. They are a bunch of thieves!

I recently found out that I did not cash in my rewards check that I supposedly received in February. So of course if you don't use it before the 180 days they will not reissue you a new check which of course is the money you earned back from all your spending you did and will keep your money. I am disappointed in these practices that they can just keep your money. I can just imagine how many other people they have scammed this way. I have been calling them to make payments over the phone the last few months and no one had mentioned to me that I did not cash in my reward check or that it was going to expire. At this point I will not be using that credit card and stick with my Visa! Credit card people beware before you sign up with Synchrony Bank, issuer of the Sam's Club Corporate Account.

Purchased a new Mattress from a store that offered interest-free payments for two years. Monthly payments were to be $287.00/Month. Have paid $500.00/Month (1st payment) in April, May, June, July and in August made two payments of $500.00 each... because we were going on vacation and were going to be out of the country for 3 weeks... my October statement contained a $27.00 LATE CHARGE. Called customer service and spoke to someone who called himself Alex. Convinced him that, if anything, I was ahead on my payments, he agreed to remove the charge.

Recently after Babies R Us closed Synchrony converted my card to a regular Master Card with a limit of 3,300. After having around 400 dollars put on the card I paid it off within a couple of months. Right after doing so they closed out my account with no notice. I have never missed a payment on any credit card and the card was not unused for a long period of time, when I called their customer service to dispute this they told me they didn't have the information why it was closed and I should receive a letter soon. To be honest one of the worst experiences ever and unfortunately I have a few more cards through them.

I got a Synchrony Card a few months ago. I have paid on time and paid over the amount due. Synchrony mailed me a letter telling me after reviewing my credit, they have decided to lower my limit. This wouldn't be big deal but this made my credit score drop. Also what are they doing checking my credit without my permission! I recently bought a new car so my credit score had dropped a little so I guess that gave them a reason in their eyes. Is this legal? I had a large credit limit so now that they lowered my credit score, It shows I have a much higher debt versus credit ratio. Unbelievable! If there is a class action lawsuit, count me in!

I shop often at TJ Maxx, Marshalls and Home Goods, so I got their store card - had I known how horrible Synchrony Bank was, I never would have considered it. I paid my last bill on time through my bank online pay. Because there was a national holiday on Monday, the due date, payment didn't actually hit their system until the 5th. For this I got a $40.64 fee plus interest (28.4%!!) on a balance due of $35. When I attempted to reach someone at customer service, the voicemail system took me through about 10 press this number, press that number, then put me on hold for ages before I got to a representative. Though she was very nice, she could not help remove the extra charges. I tried to reach corporate office of TJ Maxx, and wound up getting tossed into the eternal voicemail hell again. Needless to say, this card is going into the shredder.

I purchased an item at Sam Ash and was given financing through Synchrony Bank. I decided to buy with Sam Ash because they told me that I would receive a 100.00 Visa prepaid card if I finance with Synchrony Bank and that I would receive 24 months interest free financing. They stipulated that I had to submit a form, with a copy of the receipt, postmarked by July 31, 2018. Well, they received it by July 27, 2018, however When I read the form over, it turns out that I can't call them less than eight weeks after receiving the form yet there is a small clause that states that if I call after 9/3/18 - "all rights hereunder will expire." I found this out when one of their rude employees pointed it out to me.

I used Synchrony 10+ years ago to buy carpet, interest free. Great service, never an issue! Now in 2018, my daughter needed expensive medical treatment and the doctor’s office offered interest free with Synchrony. Great! NOT SO! They charged a late fee first time, my fault, they removed the charge. Second time, my fault, oh well. Gotta pay! Then I started paying early and way over the minimum amount. They will CHARGE you if you pay too early! The window they leave to not charge you is so small you need to set an alarm and pay right when it goes off or you will be charged a late fee! I have NEVER had this issue with any other card or pre-payments! They have the most convoluted accounting system. I will NEVER accept credit from them after this one! I hope they don’t mess with my credit score! That’s sounds like an even bigger nightmare! This company is FRAUDULENT AND UNETHICAL! You have been warned!

I had the Synchrony Amazon Prime Store card for 8 years 9 month. Bought hundreds, if not thousands of dollars of merchandise during those years on the card. On May 28, I purchased $19.98 of goods that I thought I used a different credit card to pay. On September 14, I received an email from Credit Karma that my Amazon Card was showing 3 months past due. I immediately went in and paid the balance of $22.54 (went from Original purchase $19.98, credit of $10.46 + late charges and fees). Card was paid in full.

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.