Synchrony Financial Reviews

I received a credit alert that a hard inquiry was made at Transunion by someone using my credit / Social Security Number to attempt to open a new PayPal account or credit card. The details provided in the credit alert were: SYNCBPAYPALEXTRASMC PO BOX **. Phone **. The phone number was worthless - it's a FAX machine.

I have paid all my credit cards on time and they have increased my limits on my cards without me asking. Now they are cutting the credit limits down to what I owe and making it look like my credit cards are maxed out. Now my credit score is taking a beating. I wish there was a class action lawsuit against them, this is terrible practice, especially if they get your payments on time every month and in good standing with them. They suck, I can tell by all comments on here. It's not just me.

Always find a why to get fees. Can't get notices like others. Not easy to find if they do have them to check late fees are put on even before due and when you pay on time you will get credit in refund. That's one of the biggest changes when the bought PayPal. Interests always goes to highest you can pay soon after the take over and as soon as they charge fees they will call min 8 times a day till they get fees and even lie about refund to get it closed. My Chevron that I always paid in full every month because of this then they added more fees.

I purchased a guitar from Guitar Center and carried a low balance/payment to help build my credit score. After 9 months of not being late I made the fatal mistake of paying my bill 2 days before the fluctuating pay cycle was due. I logged into my account to make the payment the following month it showed that it was late. No one contacted me about being late or making a payment. As soon as I noticed it I made the payment (with fees) without a thought and come to find out they reported it to my credit report as being 30 days late. The result was a 40 point drop in my FICO score!!!

If I could this company a minus 10 for a satisfaction rating I would. I have had a BP credit card for over 15 years. For 13 years the card was issued through Chase Bank. I never had a late payment or any issues with my card account the entire time Chase was servicing the account. In 2013 the BP accounts were switched to Synchrony Bank. After all my years with this card and no issues three month after Synchrony took over this card they cut my credit limit half. Now this past week after I had once again paid my balance before the card closed, they closed my account. I did not receive notice that they were doing this. I found out when my statement arrived on the 2nd of August.

Synchrony Financial has to be the worst company I have ever dealt with. I don't have much on any of the cards, but they're absolutely ridiculous. Their people can't even add or subtract, not a good way to run a financial company. I had a closed statement on June 30th, with a balance of $110.00. A payment in the activity shows a payment made on June 30th and the current balance is $55.00. A late fee was applied for $25.00 and said no payment was made.

I has an issue with credit card balance. I thought I had a zero balance. Somehow they had attached fees. Unfortunately, I was unable to resolve issue. I have my activity pulled up on computer for reference. The first person I spoke with wouldn't let me say anything. He kept interrupting and talking over me, like he was reading from a script. Finally, I asked to speak to a supervisor. After being on hold for approximately 5-7 minutes. A female supervisor asked me what the problem was? Again, I tried to explain. She started talking over me. She did remark that we had a bad connection. I could hear her fine. In the end, I canceled the card. Credit Karma notified about change in credit score. I checked. For spite, they dinged me for a late payment with the dispute's date. I still have good to excellent credit. A lot of good that did them. My next project is to make list and get rid of all Synch cards.

I had a CareCredit account with synchrony and they closed my account due to other credit issues. I was NEVER late with them. Then they send me a letter telling me to reapply. DUH. Why? You know it will be denied. My advice, avoid these people at all costs!!! You can read the other reviews. They are BAD!!!

This company is HORRIBLE!!! I have a few cards with them and two of them they decided to lower my credit limit after I just paid them $1k!!! I didn't want to use the credit again as I am trying to pay it all off. However, I did want to have that credit ceiling so that it didn't appear that I was maxed out because they lowered my limit to just above my balance!!! I called the Consumer Financial Protection Division and they stated that they were within their legal rights. Well duh!?! Of course, however what should be illegal is making their customers look like they're maxed out. Especially if you have an excellent credit history with them!!! I would like to gather as many complaints as possible and possibly seek a class action lawsuit or present to my senator/congressman. If interested please email your first name, state in which you reside, a brief description of what occurred and I will respond upon receipt. Please contact: **. This is unfair and not ethical!!!

I recently paid off my Synchrony credit card and want to close the account. I call and they say "we don't close accounts." WHAT? How is that possible? So, my question is has anyone actually been able to close their account and how do you do it? Help!

CareCredit is billing me for $1,500 for dental work never performed. They are charging 27% interest on work never performed. I wrote to them telling them that the work was never performed and to stop billing me. They continued to bill me and add penalties. This has continued for two months despite written responses from me. I fear they will damage my credit. I have no choice but to file complaints with the Federal Trade Commission.

This is the worst credit card company I have ever dealt with. Every time you pay your balance down they lower your credit limit to match your balance. To other creditors you appear to be maxed out which lowers your overall credit score. We will be paying them off and closing this account and I'm reporting them to the Federal Trade Commission. This company is crooked.

I've had an account with Synchrony Financial through Lowe's, and now through Sleep Number's. And it never fails that I make every payment but still incur late charges because I was a day early with my payment. Their customer service is unable to adjust the payment so that it covers the intended billing period. I hate being penalized for being early with my payment, and they should have the ability to make those adjustments. I'll never do business with them, or any business that uses them, in the future.

Two years ago I let the clerk at Gap talk me into getting a credit card to save 20 percent on a pair of underwear. At first I demurred, because I'm out of the country a lot and was worried about missing a bill... She pointed out that they do all of their billing online, so I don't have to worry... made perfect sense. Then about a year ago, I got an e-mail from a company called "Synchrony Credit" telling me they'd taken over the credit cards for Gap. The e-mail told me to go to Synchrony's site and log in using my Gap credentials.

The PayPal account I closed being frustrated with credit card customer support (only one phone number on card) and automatically asks you to prompt a survey and then it hangs up after you complete survey!! I had to call later several times to finally get automated directory be put on wait before getting to speak to a Philippine... which offered no restitution to this fraud. Corrupt Synchrony banksters never provided 1st billing statement via email or by mail. Then the late fee thing with penalty even after it were to be resolved finally was in fact ignored!! Folks like this I honestly could gun down. Not paying no penalty fees on card I fully paid and canceled and their 2% reward cash points they voided!!! Lol... No matter what why government don't shut these thugs down unless they are corrupt as well?

I've been wronged by Synchrony Financial and have notified them and the companies that use this institution of such. I will be bringing lawsuit against them for ruining my name and affecting my credit for no reason. They lowered and even closed several of my excellent standing accounts for no reason. Yes this upset me because I worked hard to build up my credit after a nasty divorce. Something that took years to build back up, they tore down with one click. If you've been wronged by this company for any reason and would like to be named in a lawsuit as a plaintiff, you may contact me via this post.

These idiots are ruining my credit. My Credit Utilization will not go down because every time I make a payment, they lower my limit. I have never been late. I have a 100% payment rating. I just paid off $7000 in credit and my score still can't go up, because once these crooks got their money, my limit went down to that amount. Please think twice before using this bank. I am canceling every one of my cards with them, not a very smart way to stay in business imbeciles!

I just called their support line to ask a very simple question. How long can my Musician's Friend credit card be inactive without being closed? Seems like a very simple question to me. The answer I was given: "We (the Synchrony Bank) do not close credit card accounts, only the credit bureau can do that." Lol are you kidding me? Banks (lenders) open and close accounts, not the credit bureau. What a joke. Their support staff is not knowledgeable or at worst, liars.

I just received a letter stating my TJX card has been closed. I have NEVER been late and I just paid the account off in full in May. I have derogatory items on my credit from several years ago that was there when I received the card however Karen the manager stated despite my excellent payment history as a faithful customer, it didn't matter because the derogatory items on my credit superseded my current situation. Granted I have not had one late payment since 2013 and it's now 2017. The only new recent account I have is a personal loan I took out to consolidate some credit card balances.

Calling every day 4-5 times, even Sunday!!! Synchrony needs a penalty. Harassed me everyday. I set up auto since February 2017 for $50.00. Even today I was in chat session with representative they called, phone log printed. I'm disabled, suffer anxiety. Stress caused. They owe me a compensation & hurting my credit score.

This is the WORST company I have ever dealt with. I made a mistake and sent a payment to this crap bank. I did not realize the payment was attached to an old paid off account. As soon as I realize what had happened I had my financial institution contact Synchrony Bank and request a refund they were told no problem it would be issued in ten days. Today I followed up and was told four to six months. They have money not due to them, earning interest on it and apparently there is nothing I can do. I have cut up all charge cards that are associated with this crap bank and notified the companies I will no longer be patronizing their stores as long as they associated with these crooks.

I have several accounts with Synchrony Bank. Now they're going around reducing my credit limit for being a good customer. I never had a credit company do that before. For having a good payment history and for paying off my credit cards.

If you are looking at using this company - STOP AND READ THIS FIRST. I don't believe this company even deserves a one star rating! This is absolutely the worst company I have ever dealt with. Their Customer Service (which is in the Philippines) can do nothing except read from a script and keep placing you on hold, until you demand to be transferred to the US. When and if you finally speak to someone and explain the issue, they tell you "We will have to send that for an investigation." Don't bother to ask for a call back because they will tell you they don't make call outs. Well, they can certainly call and harass you about your payment, like several times a day! Clearly a case of the left hand doesn't know what the right hand is doing. What kind of Customer Service is this? It's NOT!

I have to say that this was by far the WORST customer experience I have ever had with any company. I only had the card (Walmart Credit Card) for a short period of time and it was a nightmare from beginning to end. I was never properly billed for the card so I was charged late fees. I went online to set up payments and their system kicked them back. I have done online bill pay with countless companies and never had this problem. So I spoke with a Representative and explained my issues stating I would pay my balance at the next billing cycle and close my account. They cancel my card before I can do it. Worst service ever!!!!

The worst credit card experience I have ever had. I will write a 1,000 reviews on these guys. I had 6 months no interest credit card. I've done this prior at Sears, etc and have never had a problem. I went online and set up my payment for each month so I would have a 0 balance at the end for the promotional period. Since I didn't pick the correct date they kept adding "late" service fee even though I was paying on the account each month. 0% interest cost me $142.00. Not worth it. Not OK and it is a scam. Oh and they got mad when they knew how upset I was and told me they were professional. Professional con artist, yes you are.

I have had my CareCredit account for several years and used it a few times a year. I always made my payments on time. I have not used it now for approx a year and I learned from Credit Karma my account was closed and in a negative manner dropping my credit score. I called and they stated it was due to inactivity. Ok fine but no response why it was reported as a negative on my account. My balance was zero and my payments were on time. Do not open an account with these lenders and there should be laws protecting our credit from whatever these lenders just feel like saying.

I have had a CareCredit card for many years. I have never missed a payment and have paid the balance owed in full early more than once. Today I was told my card is cancelled because of my credit score. Where is the customer loyalty for always making payments on time and even paying balances early? They don't care about customer service at all. They also cancelled my Lowe's card and I'm expecting them to cancel my Amazon card next. All three cards have zero balance but they are making my score worse by lowering my available credit to debt ratio. I will never use them again. Deceptive practices! No customer loyalty.

They are the worst credit company bank I have ever seen!!! NASTY, NASTY, NASTY!!! NO BUSINESS ETHICS!!! STUPID, STUPID, STUPID!!! I get a notice in the mail that they re-reviewed and decided that I had too many delinquencies (even though I have NOT paid any cards late, all on time, go figure). Haven't even used theirs, it's been sitting. I only have gas cards for a road trip. Just in case.

I got a Care Credit account in Jan. 2016 & was paying it, early. On May 19th I sent a money order for about $90. I soon learned that I wasn't credited with the payment. They claimed they never got it. I paid $18. To get proof from MO company that they deposited my payment on June 25th I sent a certified letter with proof of payment asking for them to credit my account & refund or credit my account with my $18. Cost of proof. No reply! Calling customer revealed that they were "investigating" & that they didn't receive my mailed proof though I had the mail receipt. I subsequently wrote with proof of payment processing again [certified] plus proof that they got my 1st letter & said I was seeking legal advice. No response again! I phoned & was told they were "investigating" & they STILL hadn't credited my account with said payment.

STAY AS FAR AWAY FROM THESE CROOKS AS POSSIBLE!!! I pity you if you already have an account with these crooks. I don't know how they are still in business. I make my payments online ON TIME every month. But not according to them. I get a call saying I missed the past 2 payments. After speaking with the lady, she found where I made one of the payments. But now she can't find where I made the other payment. Come to find out, the payment never went through, but I did pay it. I don't recommend paying online. Their website is just as bad as all of their other services. I'm being charged a late fee, from no fault of my own. Now this goes on not only my credit report but the person who cosigned for me. They hurt people's credit when they're the ones at fault. If someone hadn't have cosigned they would not get another red cent from me.

They should be sued – put out of business! Seems what they are doing is unethical and illegal! I have read many posts about people with the same problems that I have had with them!!! They will lower your credit limit without warning (for no reason other than your overall credit score has lowered and no payments to them are even late) therefore making your balance over the credit limit, charged an over the limit fee and using 100% of your credit limit! Thus reducing your credit score! Which if you have more than one account with them, the next card will do just the same! I had a small Belk card, paid on time, limit 500.00, balance 118.00. Reduced my limit to 100.00! Boom! Over the limit, fees charged, credit score reduced! No warning! I have paid them off. Will NEVER use this bank again! Anyone interested in a Class Action Lawsuit!??

Well at least when I look on this website I see plenty of others experiencing the same issues I am with Synchrony Bank. They are rude, they lie, they are very informal with their own processes, and without explanation. My credit line was decreased. Funny, other credit card companies were giving me offers and yet another major creditor just increased my credit. No formal letter, no explanation - But when I called them - I get a non-English speaking rep. from some place in Florida. I find that hard to believe.

I have been a loyal customer of Lowe's for over a decade but I'm going to stop shopping there due to Synchrony bank being who holds their accounts! As the last person stated they are constantly dropping my credit limit when I have paid as agreed. I'm very OCD about my financials. I call to make sure what's due and they the automated systems tells me that no payment is due then I start getting collection calls and a late fee, when my account had nothing on it at the time! I tend to pay it off in full every month! They have screwed my credit due them constantly dropping my limit! Debit to credit ratio! I've written a letter to the B.B.B. over their poor business practices! Any good lawyers want a client to go after them I'm the perfect example of what their customer loyalty and service is like!

I just wanted to write a review about CareCredit company. First of all am here not only to make a complaint, but also want to inform people for the sole purpose to educate them and be on the watch by this predatory companies in which like to prey on hard working people. On 4/12/2017 I had to make an emergency visit to the dentist for a toothache on my 3rd molar tooth on my right side. I went to my local dentist office and I was charged $1800 for a root canal and crown which I believe is extremely expensive despite I had no pain, I made a $300 payment plus visit fee. Due to the fact that I didn't had the money I decided to use CareCredit for the sole purpose to get my procedure done and not get into the point where I would suffer a toothache. After the payments my dentist told me that my minimum payments would be $58 a month through CareCredit and my first due date would be 5/5/2017.

I have been having a Wal-Mart credit Card for several years. A couple of months ago I was reviewing my credit card statement and learned that Credit Cards Services was charging me $12.65 for a protection plan just in case I lose my job per the company. I explained that I had not signed up for it and I wanted them to discontinue that services and the lady agreed. They credited my account $400.00. I was told after she credited my account that the reason I was able to get the card because of the protection coverage. No one had ever told me that. Nevertheless, in two months, my credit limit was dropped, I was told after they reviews my account it was necessary. It's so sad that these people are making money off consumers basically saying, "I need you to pay me more money for this credit card." I refuse to keep paying for something I will not use. I want the decision to be mine since I am paying and not the company.

I have a Walmart account with them. I was late 2 times this year. They reduced my credit limit to 800. I owe them like 50 dollars less than that. So here is my problem with this whole pile of BS. The letter states that other factors caused them to reduce my limit from 3000 to 800 which means other accounts on my credit report that have nothing to do with this account at all. There is no such thing as fair credit reporting anymore. Is all lies. I contacted them and no one could tell me what specific thing cause this only that it was a good business decision and that it would not be corrected.

This banking system is flawed and insensitive. Both parents went into two separate ER rooms, ICU rooms, morgue, funerals and finally double burials beginning Feb 6, 2017. I having slept by my parents side while one in morgue the other pronounce dead held on life support. I still drove 100 miles home to take care of my personal affairs and paid Walmart account 300.00 and minimum payment 25.00. Yes two payments. Funerals 2/27/2017.

I receive by mail a refund check from this bank for $1.02 and I call them for credit to my account and they say no. I went to Walmart to use for buy and also cashier not want. I go to customer service for cash and they want $3.00 for cash them. I not understand Synchrony between Walmart and Synchrony Bank for this nonsense idea from this business.

I have had this card for over 3 years. I have never had a late payment. EVER. I usually made multiple payments in a given month more than the minimum payment. I had a credit limit of $2800 until I checked this morning and it was lowered to $2200. When I chatted with the online chat rep all he could say was he was sorry and that I would get a letter in the mail. I told him I was sorry for him that he works for such a terrible company that treats its loyal customers this way. My last balance was $1700, way below the credit limit. I asked for one increase to my limit last month - my scores (all of them) were above 670. They refused to increase. (Ironically, 3 of my other credit cards granted my credit increases - all soft pulls). Currently, I am making payments to my vet for a surgery due to the fact they would not increase my limit so I could use this card.

I had a acct two years ago and paid in it monthly until I fell on hard times. They contacted me last year about paying on my acct. I explained my situation to them and they rudely said they couldn't do anything and that I needed to pay 2000 dollars to them as a payment the same day like someone has that much for a payment! I asked to get out on a payment plan. They still said no and said they would see me in court. Needless to say I got a subpoena on my front door to go to court for the original CareCredit Amour and they already sent garnishment papers to my employer to take money next Friday and the court date isn't until 09/30/2017.

This company is sheer fraud and purposefully deceitful. I was guaranteed that I would not pay interest. I have since paid triple in interest payments than the original credit payment. I cannot log onto my account to see what I have been charged because I do not have an account number and I have no way to figure out my account number. They will not give you this info over the phone even if you give them your social sec #, address, phone, etc. I have tried for years to access my account online, but they always say something to prevent me from logging onto my account to see what they are charging me for. I have sent several emails inquiring about my balance. No response. Ever. They will not allow you to access your own account easily because they know that are cheating you and you will call them out.

This company is trying to ruin everyone's credit. They drop your line of credit even if it is paid as agreed. If it is due on the 10th and you pay on the eleventh they are after you. This is so unfair. I hope someone goes after them. You also cannot understand the customer service people and they are very nasty.

I purchased 3 mattress sets from Mattress Firm. They say if you don't like the mattresses there is a full money back guarantee minus $150 for pick up as long as all is handled within 30 days. I returned one set to the tune of $1649.00 and paid the $150 for pick up. Mattress Firm had just this one bed on it... The other two were paid in full at time of purchase. This was June 27, 2016. Come August of 2016 I was in a dispute with Mattress Firm, who kept sending me to Synchrony Bank.

I was issued cards from Toys "R" Us - $800, J. C. Penney - $500, Home Furniture store $3000. All cards were opened between 2013-2014 and all paid off either same billing cycle or within 3 months for the furniture. Once Synchrony took over I was notified one by one and within weeks of each other that the account was closed due to serious delinquency on my report. How odd since nothing had changed. Since then, I've had other creditors increase my credit limits and another grant me a $1000 limit. I think this bank targets people who can't manage their cards! Needless to say, I haven't shopped at those stores since my accounts have been closed.

I opened this account to purchase two pieces of furniture. The first was a very inexpensive platform bed - bought with the plan to pay it off in 3 months. They advertised 6 months same as cash. Months one and two I received email notification of payment due. I paid them 150 each of those months. My April payment came due - no notice was received. On the day it was due, they located my chair that matched a previously purchased discontinued loveseat. I went in to the store and purchased the chair, paid my deposit and nothing was mentioned that the April payment was due.

It's been a year since I've tried to end the "relationship" with Synchrony. I got an Old Navy credit card in 2012 and the lack of customer service and extreme hoops to jump through with Synchrony Financial has been a pain from the very beginning. Rarely are you connected with a representative who you understand and who understands you in return, the representatives are NEVER familiar with the policies or conflict resolution, and you will always been transferred multiple times because no one knows how to resolve issues based on their level of training and abilities. Never once have I spoken with a representative who was polite or helpful. I've been hung up on more than 5 times, the automatic system is poorly designed, online account access is not user-friendly, and written complaints go unanswered.

I called Synchrony Bank for a $500 credit limit increase on my Walmart Credit Card with 17% interest. I got denied. Hung up the phone and called Synchrony Bank with my Care Credit card that has 36% interest and instantly got a $2000 increase. RIP OFF!!!

In November 2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. I’ve been paying everything down as best I can ever since and have never been late on a payment. But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. This makes it look like I continue to have high balances on my accounts which keeps my score low. Then because my score is low, they lower my limit on another account and so on.

This bank is a joke! They own several store credit cards for example Walmart, Old Navy, Amazon! There should be a law against the way they practice business. I have been battling with them for months regarding my Amazon credit card. I started out with a 300 credit limit and they raised it to $1300, which I never even came close to! I received a letter from them in March stating they were cutting my limit down from 1300 to 430 of course after I had paid the entire balance off on my card! They then reported to the credit bureaus that I had gone over my limit! I never ever went over my limit, was late with a payment, or missed a payment! They refuse to fix this problem!!!

I am furious!! I have five Synchrony bank credit card accounts, all in good standing... including my Amazon prime card... I just noticed that I have been charged for a card security fee for over a year now and I never authorized it to be added to my account!! I do not add any of that kind of stuff to any of my cards. I am checking my other SYNC BANK CREDIT CARDS now to see if they have any charges on them and then I am calling in and demanding a full refund be given to me... I will update my progress, if any.

I applied for, and was approved for, a $500 limit on this card. My first use was for a rescue dog that came to us beat up from a fight with another dog at the last foster home. It cost me $78 or so, which I paid with next SSDI check before the bill was even due. I received my next bill, and it said I still owed for that amount. Called their customer service and was informed that no payment had been received, however I paid using their online service, and my own bank confirmed that their payment had been taken out.

Had a card through them for Rooms to Go. Got a couch 3 years ago, then got a table a year ago. Literally as soon as we paid the balance to 0, they turned the card off, which caused our credit score to drop significantly. Closed Our Account For No Reason.

At first, Care Credit was a great way to finance expensive dental work. Last use was for emergency services to save our dog at intensive care unit. But the company floated our due date and we missed a payment by two days. They hit us up with a 29% interest rate - on all charges ever made, even ones already paid!! Suddenly, we owed $4000 in interest - more than the principal on the account! GE, once a reputable company in my book, is evil. Tried to reason with them, but they would not budge.

I had a Walmart and J.C. Penney and Amazon card through Synchrony Bank, I paid off Walmart and J.C. Penney and went and charged $200, when I was checking my balances on my cards Synchrony Bank closed my Walmart card and decrease my credit limit from $800 to $150. They also decreased my credit on my Amazon to $650. When I called them they told me they closed my card because of my bankruptcy that was filed in 2011. I got these cards in 2015 with my bankruptcy on my credit report. This bank is a fraud. Once you pay off the balance they screw your credit by closing the accounts. I was told by a banker the best way to increase your credit is by paying off a card and reusing it and keeping a low balance. Now they have affected my credit report. I called them but I never get any answers. I ask to talk to a manager and they just keep transferring me to people that can't answer my questions.

We had a credit card with CareCredit, use it for dental, vets, for my pets. I paid my account in a regular monthly payments. I would pay more than my regular payment. I owed close to 700$ my balance. I paid it completely off, thinking in case I would need it for dental, vision or even taking my pets to the vet. I was having my 15-year-old daughter eyes exam. As she has a condition in the eyes requiring glasses. I was OK with it considering I had CareCredit card, and had way beyond more on the card to pay for the glasses. To my surprise they had closed my account. After just paying it completely off after 3 months. I called them from the doctor’s office in hopes it was a mistake, only to find out yes my account was close due to inactivity. Just 3 months.

With all of the changes with Obamacare, many people have lost their medical/dental insurance. CareCredit would seem like a great option for people to finance the dental work that they need performed. But why has this company gotten so many bad reviews. Well, it probably has a lot to do with Synchrony Bank. I got a Toys R Us credit card with Synchrony Bank. I made ONE $30.00 dollar charge and when everything was over, I had ended up paying them nearly $250.00.

I have Had a Chevron/Texaco gas card for Over 20 years, I have never made one Payment late, for years I consume Chevron Gas for my Personals cars and when I had a business my Business cars, then Synchrony Bank took over the Account. The First thing that happened was 3 times my Card Number was stolen they blame the gas Station, I made the owner aware yet the ID theft Continue. My Gas takes 40-45 dollars to fill up. I no longer consume hundreds of Dollars a month as I used to. But the bills for 120-150 Kept coming. I reported it each time and they knew what stations the card was been used and where I usually Gas up, so they credit my account 3 times, all of the sudden they cancel my card for non payment and told me when I Called that I had paid late 3 times.

I have been an account holder for 5 years. I always overpay my payments and I make frequent payments over the minimum due, if not I pay in full. I missed a payment on the due date because I just made a payment to them. They do not count other payments as or towards the monthly payment. Bank denied payment to them I made 3 payments in a months time! I was 3 days overdue the payment date and they closed my account. In 5 years never being late and overpaying balance due! 3 days, had I known I would have made the payment! But they just cancelled the account, customer service could care less about helping a customer.

Multiple times Synchrony has put hold on my Credit account with no basis explained. There was one returned payments due to bank account not found even when same account number has been used for more than a year. Customer manager accepted a system glitch at their end. They mention they have authority to put a hold on any account. For what? My payments have been on time, my bank has released the payment and none of my payments have been reverted ever. Customer service just reads the script and rejects the idea to think out of box even when it's their mistake. Very frustrated.

Just received a notice in the mail Synchrony is canceling my Amazon account due to low credit score and too many revolving accounts. Yes my credit score isn't the greatest. It's in between. I was never late and the card was actually paid in full for at least 6 months now. They are not hurting me by cancel a high interest credit card but I also have care credit through them for over 5 yrs and am now waiting to see if they cancel that account or lower the credit line like some are saying have happened to them. I have a small balance on it but like always payments will be on time and paid off shortly. I will not be dealing with this company much longer. If I'm not delinquent, and carry no balance why worry about stuff in my credit report that does not pertain to your account. Beware of this company... Run before you do business with them.

I DID NOT apply for any credit with this Bank. They send me multiple letters with different card. Even my name and address not match with the credit bureau's record. They still go ahead and get the cards approved. So far they had done 4 hard credit inquiries against my SSN. I called and spoke to many differences rep. They are not pleasant to speak to and helpless. So I design to report to all 3 credit bureau.

I was approved for an Old Navy store card a year and a half ago. To my surprise my account was closed in January 2017 due to a returned payment. I received an email stating that my payment had not processed which was odd so immediately I went online and made the payment on my old navy card. A few weeks later I got a letter in the mail that my account had been closed. Confused so I call Synchrony bank and requested that they correct this. I was told that the bank tried to get the payment from my account at 4 am and it was not successful. I hang up and called my bank because I know that there was money to cover the amount. My bank says that my direct deposit hit my account around 6 am that is why the payment rejected. WOW is all I can say...

Synchrony Financial (formally Synchrony Bank) agreed verbally to take 4 monthly payments rather than a final balloon payment. 2 months into the payments, they threatened to repossess my jet ski which had 2 payments remaining and were all made on time. They then reported to the credit agencies as defaulted and charged off even though those payments were made on time. I've filed disputes and contacted the company to correct the credit records over the last few years to no avail. This company doesn't stand behind agreements made by their billing department, and harassed me with multiple daily phone calls for the last 2 months of payments they agreed to.

I didn't received statements due to mailing address change, and a $1,227 hhgregg due on Jan 17 ending up with $2,413 interests charge on Mar 9 (less than two months), although I auto paid $400+ minimum payment every month. I called them and raised the concerns. They don't care at all and said it's all my fault. This is totally steal money! Anyone wants to sue this bank and get our money back?

If I could give -0 stars I would!! I purchased furniture from Furniture Fair in Cincinnati. 48 months no interest on their Synchrony Credit card. I received my 1st paper bill on 1/28, the day after the due date of the payment 1/27. How could I pay a bill I never received? I got on 1/28 and paid on 1/28. I called Synchrony right away and pay the $48 on the bill and Jose said that he would "fix" the late fee. I received my Feb 2017 bill in my email and it showed I owed $82.00, $27 being a late fee. So I called again. Leo said that I should pay the $53 on the bill and he would handle the late fee.

I did not apply for the store card, I was specific to only send a Mastercard or nothing at all. So they send me a store card with a $700 limit, they then tell me to go apply for the other card which I do. Denied due to the fact they do not give a second card to anyone. So wrong information again. On their website my FICO score is 787. My other cards carry credit lines from $12,500 to $25,000 and I have a 7 figure income, my credit report shows total outstanding debt of $282. WTF. Now I have two hard pulls on my credit report and a worthless $700 CL on my credit report. They refuse to send me the Mastercard. RUN far away from this so called bank.

In November, signed up for promotional financing on a TV from hhgregg. Purchased a second TV that we cancelled the order on prior to delivery. We never got the second TV but it was on our Dec bill from Synchrony anyway. I wrote Synchrony about it. The reply letter said we would not be billed late fees or minimum payment on said item during their investigation. Now 3 months later. Each bill Jan, Feb, March. All still have the new huge balance as well as that minimum payment due for the TV we never got. And late fees.

On March 3, 2017 I went to Sam's Club in Woodstock GA for gas and groceries. At the pump, it declined my Sam's Card and I had to use my Chase Credit Card to pay at the pump. I went inside to member services to be sure they had my new address, which I had changed previously on the internet, then went shopping.

This is by far the worst credit company! They approve people very easily for a loan in the medical field - you start paying and they keep on lowering your credit limit EVEN if you're paying 3 times the balance due and ultimately destroys your credit! PLEASE be aware of them and AVOID anything with this company. Better use your credit card or wait until you have money saved up OR you will be paying 5 times more and a lower credit because of this company. PLEASE DO NOT USE - do your research! I end up paying my loan off and so happy I don't have to deal with this company ever again.

I had fraud charges on my credit that I discovered around Feb. 1, 2017. I called and they said they would look into it. They sent me a new card in the mail. I called back Feb. 21, 2017 to check on the status and they never put in my charges. They ended up sending me two new cards for whatever reason or so I thought, but never got the cards in the mail. On March 2, 2017 I called back as to why I never got my cards in the mail and they said they had to send me two more cards because of the fraud. 3 different times I have called to check on it and they have cancelled both my cards every time. If my debt wasn't so high I would pay it off and never reopen with them again.

I have several credit cards with Synchrony Bank including Sam's Club 5000.00, Wal-Mart 1000.00 and JCPenney 1000.00. I've never paid late and had a credit balance of 4090.00 on Sam's Club over the past 9 months. I paid it off four weeks ago and once the payment posted I notice online available credit of 150.00! They said they lowered my credit balance due to derogatory accounts on my credit report. Due to my current financials situations I'm current with 12 student loans, 10 credit cards and a personal loan with credit utilization of only 15% and they lowered my credit balance because of a two doctor bills that hit my credit score for 50 points!! Again, I've never paid my mortgage, credit cards or loan payment late once!!!

The first account I had with Synchrony Bank, I had to cancel. The routing number which I used the same for all other payments was exactly the same, yet Synchrony kept sending notices that my bank could not find my account. I had a banker call and finally set up a different way to pay the balance and get rid of Synchrony. Second time was at Sam's Club. I did not know it was Synchrony until got the bill. Paid in full, and again, "bank could not find account". Went to banker, they acknowledged that they had the right info. I paid the balance and forgot about it. Then again, "bank could not find account". Checked with Synchrony routing number info, and it was a good one. They resent, and whammo it worked! Then my balance was the ZERO (again).

I moved a lot of money to Synchrony Bank for the higher interest rates. The customer service people were very friendly and was great until I unfortunately needed my money. I moved money from my savings to checking account within Synchrony Bank. I was told that the money would not be available the night I moved it since it was late but the next day I could write a check. The next day I called the bank to make sure the money was in the checking account and my check would go thru. I was told no problem. I go to the store, hand them a check and it is denied. I call the bank, spend over a half hour on the phone only to be told all transfers internal or external take 24-48 hours. The customer service representative agreed that was stupid and went to two other supervisors but all had the same answer. I closed my account. They will NEVER hold another dime of my money!

My Walmart account is **. At 7.52am on February 21st 2017 I made my regular online payment yet noticed that on the same day a late fee of $25 was posted to my account! This morning when I rang Synchrony to complain I was told by Jairo ID ** that 'late fees were automatically added' to customer's accounts 'when' those customers used the online payment system 'because the system did not recognize' payments had been made even though those payments had been made on the morning of the day that they were due.

I got a Walmart store card through Synchrony Bank about 8 months ago, never missed a payment and paid the balance off. I notice today they reduced my limit! What sense does that make? I've been a good customer and have never been late. I will be closing this card and NEVER shopping at Walmart again.

I had my car worked on at Midas and opened a Synchrony Bank Midas credit card while I was at the store. I disputed the charge with Synchrony Bank because Midas Auto services misdiagnosed the problem with my car and charged me 293.00 that I didn't need to spend. I found out later all I really needed was a new gas cap. Synchrony Bank took 60 days to investigate which I could have done in 5 minutes with the way their "investigation" was done. I got a call from the corporate office that this woman Jen ** was going to speed up my dispute. Another 10 days later I get a letter saying my dispute was denied. I continually called Synchrony Bank and was given the runaround for 60 fricken days to find out they don't get involved in service issues and they are just the finance company through the credit card. I am livid.

Consumer BEWARE!! I went to make my payment on Synchrony and I noticed a charge of 161.99!! I filed a fraudulent dispute. According to the customer rep this happens a lot! WHAT?? Do not use this bank! And if you do have this bank watch your account like a hawk!

I've had numerous credit lines with Synchrony Conns, WalMart, etc. High balance with Penney's $275.00. Made my payments. Present balance $145.000 and I receive a letter that they're reducing my available credit from $1,500 to $250.00. I'm going to spend about a week posting their chicken ** way of jerking customers around.

Synchrony bank is the worst bank in the country. I lost my job I was paying the minimum payment due, they charge me every time 25 to 70 dollars late fee and report 4 times to the credit bureau. They really mess with my credit. I hope you enjoy my money, that will burn you all... I pray to god to burn you all you are just a rats.

Even after confirming by phone that all address and account information are correct, Synchrony rejected my credit union's payoff check the first time, stating "incorrect account number" (untrue). Rejected a second attempt, then finally a third attempt to pay electronically is still not showing. This account was sold to Synchrony from another bank, but the responsibility is on Synchrony to keep records and to apply payments as received. This situation still unresolved!

Spoke with Matt, manager at Synchrony Bank for Old Navy card holder. When I mentioned about how Jee (representative) did a good job taking the my call, with issues, concerns and addressing all of my questions and putting a note into my acct. with the intention of not going thru the same ongoing issue I been having with this company. He then replied (sarcastic and careless about my concern) "Matt Manager" for Synchrony Bank Old Navy Visa Card holder as of 02/09/2017 at 7:30 pm CTS: "Ma'am doesn't mean that what she puts on the notes will happen. As an example, I can right now put in the acct. that you are going to win the Powerball and that doesn't mean anything, that doesn't mean it will happen, because those notes she made are worthless. No one will follow those notes."

They may dispute this but it's there in black and white and many, many complaints have been filed to no advantage to having them start billing interest properly. They bill you interest on the first charge you make. You pay the minimum payment due, or perhaps more, but not all of the balance. You make no more actual merchandise purchases. They take the interest from your last bill... let's say this was your November 2016 bill. When computing the December 2016 bill, they add the interest billed in November back to your balance as if it were a purchase made in December. Then they charge interest on it and your bill goes up instead of down like it should.

At least 5-6 calls per day. Despite paying statement amount month, and on time, they continue to call. They also send emails advising of additional "Late Charges" that they tack on every two weeks. Complete rip-off designed to assure that consumers can never pay their debt.

I had recently hoped to improve my credit score through obtaining a new credit card. Since I needed some percussion equipment and Guitar Center offered their Gear Card, I took them up on the offer. It is a credit card from Guitar Center, partnered with Synchrony Bank. Upon immediately using this card, I made the entire payment in one check and mailed it back to Synchrony.

Synchrony Bank--it's a highway robbery. You called them and it's all foreigners and they're not explaining things to you properly. They charge you $37 late fee even when you are not even late. These people a highway robbery. I would never never borrow money from these people again. This is wrong that they stealing people's money, taking people's money, and telling them that they are late and charging them late fees and interest rates. I have closed my account with them and I'm willing to pay the rest of the money. These people are highway robbery. I did need to shut them down.

I held 3 accounts with Synchrony Bank; Walmart, Sam's Club and Amazon. My average balance between them was $1200.00 each. I was laid off Oct 27th. In November I signed up with a debt consolidation program to "save" my credit. My payments were still being made through November. In January, I decided to pay off all my debts from my 401k account instead of through the debt consolidation plan. (It would take 4-6 months of non-payment for the debt consolidation to even start.)

I missed a payment in error and called them when got the bill. Agreed to make current in 5 days including current charges. That robo called me leaving no message 5 or 6 times a day. So rude. Is it legal to call so much?

I notice $80.23 on my credit card statement and I was told by customer service was added to my account by my request!!! I never called and requested to have insurance coverage, this is fraud and theft, needs to stop.

I bought a queen size Sleep Number Bed and I was given 30 months free interest to pay off my bed. I made several payments to Synchrony "Cronies", and they charged me two late fees. I pulled my bank report showing the number of payments I made and Synchrony statements do not reflect the actual payments. They are short by $320 dollars on my payments. I wrote to Sleep Number company explain the problem and I told they are losing a valuable customer and future customers due to the cronies at Synchrony Bank. I told them I will let all my friends, family and coworkers that Synchrony Bank are crooks and not to do any business with sleep number company. I have not heard from sleep number and it's been a week. The dumbasses at Synchrony Bank are just plain crooks and believe they can get away with charging people late fees. They said their payment plan was outline in the information they sent and is also listed on every bank statement.

Synchrony bank is the worst bank in the country! Synchrony treats customers like Gestapo treated Jews. The woman running it comes from four generations of police, and it shows! Worst phone payment system! Worst interrogation at every call! Worst cashback bonus rules! Avoid! Run! Shred!

I had an Amazon card through this bank. I used it only once & found the service deplorable. I was told I would be billed by email in 48 hours. That did not happen. I was also advised that I only had 20 days to pay the account. I could barely under the agent. When I did not receive my email, I called again only to listen to a long recording before getting another agent who spoke poor English. I paid the account in full (one purchase) & immediately closed the account. Amazon keeps referring me back to the bank & will not accept any responsibility for their store card.

Apparently, I've been in a debt cancellation program for years with my Amazon.com store card which is through Synchrony. I've also had automatic minimum payments set up for years. What I didn't realize is that the minimum payment doesn't even cover the debt cancellation fee and interest each month. So, while I thought my balance was going down, it was, in fact, going up by $20 or more whether I made any purchases or not. $783 in debt cancellation fees this year alone. I should have been paying closer attention, but I never expected that I'd have to worry about the credit card company itself to be stealing from me.

I received a phone call from the bank saying they are collecting a late payment. I checked with my bill pay through the bank and a payment was made. According to the customer service department I paid a day too early and so they did not show it as a payment. They know it was the payment but they are still telling me I have to pay immediately and are saying they can't reverse the late fee.

Loved the convenience of PayPal + PayPal Credit Card (makes online shopping super simple!). However when I recently used my card for an online purchase the card declined. Received an automated call from Synchrony to verify the attempt, which I did. Then they bounced me to their fraud dept., which was supposed to text me a code which I would confirm upon receipt. However the person on the other end said my phone number was not valid, since it was not registered under my name (my phone is provided by my employer). All of this, despite the fact that Synchrony called me on the number which they would now not accept as legit. They wanted to send me validation via snail mail, meanwhile keeping my card totally locked down. I also had previously provided the last 4 digits of my SSN during the course of my conversation, but that is also apparently not enough.

Got another call from the synchrony bank fraud department last night. They asked me about two of my most recent charges and I confirmed to them that they are in fact valid. She then told me that my card could be involved in some fraud and that they will be shutting down that card and sending me a new one within 7 - 14 business day. SO, this will be my third card in the past 4 months. Same thing happened just two months ago. At least the first time there was a charge many states away that was not mine.

I received a rejection letter from Synchrony bank in Orlando Florida today denying someone named Kevin ** a credit card using my address. I do not nor have I ever known a Kevin **. When I called Synchrony bank's customer service line I was reconnected several times to different departments and then finally to an automated bill pay extension. This is lousy customer service!!! Furthermore, the reason Kevin ** was denied credit was due to "prior application submitted too recently". I wanted to let them know that this person was attempting to commit credit card fraud using their business and all I got was the runaround. Huge dislike!

I am pretty much in the same boat as the rest of the reviewers. I've had three accounts absorbed by Synchrony, plus I have two motorcycle loans that were presented as very low interest. But looking at my Synchrony Statements, the rate is much higher. I am trying to find the payoff on the bike loans, but as usual, I get lost in their maze of vmail garbage. I od a lot with Amazon and Paypal, I have a car care and another card for the bikes. I am very, very nervous about Synchrony and am looking at a consolidation loan to get out from under them, but I need to be sure I have accurate information on the payoff amounts.

The whole problem was the result of errors on both of our parts and a misunderstanding of what was really going on. They were actually having problems with their website, as the many posts on the Internet agreed. Most had been resolved, but my account had corrupted data that would never allow it to log into my account.

I have several credit cards that are managed by Synchrony Bank. Over the last year, they keep lowering my credit limit claiming that I have derogatory items on my credit and high credit limits. I've paid over $6 off combined on all my credit cards to lower the balances but they continue to lower my credit limits. This scenario ensures that I will indeed have maxed out credit limits. I plan to pay off every single card related to this bank. Not one other credit card company operates like this one. It's a disgrace and ruins the credit of those who pay on time. Companies like Amazon, QVC, TJMaxx, GAP, CareCredit and American Eagle use this bank. Stay clear and use your own money to make purchases.

I received a letter in the mail that they lowered my credit limit. I paid my payments on time, never late and I never maxed my card out. They said my credit score dropped down to a 603. I know it is a heck of a lot more than that. I can walk into the car lot that I shop with all the time and buy a car and know when I go in there that I will walk out owning a new car. I keep an eye on my credit because it takes too long to rebuild credit.

A company kept charging my account. They use a "third party call center." I could not reach a person to stop charging the account. Synchrony rep said, "you gave them your number, it's not fraud." However I DID NOT authorized them to continue charging. Synchrony did not care. After speaking with the second supervisor, he hung up on me.

Up until recently I would have given 5 stars... CareCredit just opened a new account in my name, without my permission. When I called to inquire about this I was told that CareCredit was offering a new MasterCard promotion, and my account was selected to receive it. Ok - great, but no thank you. I asked if we could prevent this from happening again, and was told no.

I made a purchase from HHGregg on their in-house credit card backed by Synchrony Bank. In order to pay off the balance before the interest was applied, I immediately started making payments 3 to 4 times the amount of the minimum balance. The VERY first month, I paid the first payment 2 weeks after the first purchase, in order to get ahead of the game. The first statement I got from the bank had a late fee on it. Their reasoning is that I paid before the statement was created. This went on for 4 months (my own fault, as I didn't notice the fee at first - why would I have a fee... I paid early) before I noticed it.

Synchrony Bank opened 7 (SEVEN) fraudulent credit cards under my name within a week. They never verified any of the information and they reported a fake address to all three majors credit reporting agencies. By some stroke of dumb luck, three of the fraudulent cards arrived at my home, not the person committing the fraud. After calling Synchrony to cancel the cards & report the fraud, they told me that there were additional credit card applications submitted to them in my name, pending approval.

I opened the account and had a pleasant phone conversation with an account representative! She explained how the account would work but never mentioned deferred interest! I would happily pay triple the minimum every month, steadily paying down the balance. Then I received a nearly $1000 charge added for interest!!!

I woke up to check my account with Chase and noticed a fraud charge for 451.29 from Synchrony bank Alpharetta, Ga with a 800 number. I got a hold of a lady first name KarI, she said she didn't know what it was for. Well I called the 800 number it was the collections dept for Synchrony Bank and Alpharetta, Ga was their payment center. I don't like liars and Synchrony Bank lying to protect one of their customers makes mad. Ms ** you lying deeply upsets me. To protect one of your scumbag customers. God will see to it you get this right. Lying gets you nowhere. As for the corp of the bank you are so full of yourself, righteous selfs.

Synchrony has the same predatory practices and poor customer service that gave GE Credit a bad reputation. If you are issued a card from a department store or other business RUN don't walk to another store. DO NOT use Synchrony When I argued with them about not providing statements, they canceled my card causing me to forfeit my over $200 in rewards.

This has to be the one of the worst credit institutions in the market. I had a Marshalls/TJ Maxx card issued by Synchrony. I've had this account for over 5 years, have paid it off several times over and I'm never late or miss a payment - until I set up auto pay on their site. Their auto pay only withdraws on the bills due date and doesn't factor in if you've paid the bill manually before the due date.

I received a letter dated October 4th, 2016 stating my Old Navy account was closed due to a review in August because of derogatory and delinquent accounts on my credit score (300 low and 850 high). I have 552 and my card was opened with a score a little bit higher than this like 570 or less and my balance is paid in full and no late payments. This is not good consumer practices. They don't value their customs. I just opened this card the end of April and my account is already shut down and closed??? What right as a customer do I have???

Tried calling Customer Service. It's impossible to get a real live person and it doesn't understand anything you are saying. When you finally do get a real person they say they can't hear you and you have to call back. I lost my credit card 3 weeks ago. Called and reported on the "automatic answering." They said they would cancel it and send me a new one. Can't even get in touch with them to find out if they did cancel it. I don't care if I get a new card. Just want to make sure the old one is canceled.

I have had the Old Navy card since 2007. Never have I had to request an increase, GE increased me automatically. I topped out at $2700 until I recently received a decrease letter after complaining to the rep after I have several months paying my bill online as I have always done. I would end up paying on the phone and late. I recently received a request to upgrade my card to a Visa, but I'm not interested. Especially since my limit was reduced to $1340, which is so close to my $1250 balance. No real reason, just that my other balances are high, which is not the case. This reminds me of the practices of PROVIDIAN. They continued lowering limits to mirror balances, which would incur late fees and over the credit limit fees due to interest attached. I will be paying this card off and closing. Hopefully they have a class action suit because they are running a shady business.

I'm not sure why but Synchrony bank has cut everyone of my credit limits and actually closed a few of my long lasting (never late) accounts. Every time they close one they send me a letter using the excuse that my credit limits are maxed out. The only cards that are maxed out are their cards due to them constantly cutting the limit. For example I have a TJX Rewards cards started with a $2000 limit. The balance owed was about $1800 right after Christmas, so I paid $500 on it and they cut the limit down to $1379.

On 9/9/16 I made a payment of $749.49 to clear most of my account out. There was a late fee and a deferred interest amount for a payment that did not clear. ON 9/18/16 I called Synchrony and spoke to Bill, an Asian person with a heavy accent (Apparently, Synchrony sends our jobs overseas). "Bill" reversed the late fee and the deferred interest as well. That left a zero balance on the account. That same day we made a purchase for $39.99, 9/18/16. On 9/25/16 I checked the account online. There was a balance of $53.09. The $39.99 plus an interest charge of $13.10!!!

I am preparing for my furry little feline to have surgery and have been advised by the veterinary practice that they work with CareCredit and offer a 6-month finance-free option. Great! I went ahead and applied for and got approved by Synchrony Bank within seconds. Then, I decided to check out Consumer Affairs and now I'm downright terrified... I did proceed to call CareCredit for some additional insight.

I had very expensive work done at Aspen Dental and financed through Synchrony Bank. I got an agreement to pay 85 dollars a month for like 3 years and I have been very loyal to pay every month but a few times because I am on disability and the check comes on the 3rd my payment was a couple of days late. Suddenly now they are treating me like America's most wanted. They call every day. They charged me like $112.00 in late fees and raised my monthly payment to $147.00. I am epileptic and ill but they have no understanding of that. I was late with 3 payments by 2 or 3 days. I paid every month. They are trying to Shylock me. This bank operates really shady. Be careful to get involved with them.

The interest rates have exceeded the minimum amount due for the last 6 months, even though I have not charged anything on my JCPenney's card for the last year. It has actually increased the balance that I own due the the 26.99 interest rate that I did not agree to originally. I have paid over the minimum amount due and yet my balance due keeps increasing. This is stealing money from me. There needs to be either a class action lawsuit again Synchrony bank or there needs to be consumers that join together and refuse to pay any money, thereby making them listen to us.

Overview of complaint: If you have multiple promotional purchases on your credit card, and one of the promotional offers expires, Synchrony does NOT apply your monthly payment to the portion of your balance that is getting charged interest. Instead, they apply it towards your remaining promotional purchase balance.

As I was facing a loss in my family, great financial strain followed. I continued making monthly payments in amounts more than I could afford - $75, $100, $50. I never missed a month, yet two of my payments were not sufficient so Synchrony reported two months as NON-PAYMENT which is not only a LIE but extremely detrimental to one's credit report and against the law. I never missed a payment. When I called to address this problem I spoke to a young, very pompous, rude and unprofessional representative by the name of Tyler who claimed that his first name is the ONLY way I can identify him, but then gave his supposed supervisor's name (a generic name used by nearly every financial institute in the country) "James **".

I have an Amazon store card that's administered by Synchrony Financial. I use the card for interest-free financing for big ticket items. The last time I used the card, I bought some camera equipment, and paid the balance in full within the interest-free period. I also have an Amazon Prime account. I use it to order TV programs on an on-demand basis. Whenever I order anything on Amazon TV, it gets billed to my debit card. However, when I started a subscription to the Starz network, the fee (8.99), which recurs every month, was charged to my Synchrony Amazon store card. (Btw: It was also charged to my debit card.) Because I was under the impression that my Synchrony account was at a zero balance, and because I assumed that these fees were charged to my debit card, I never checked my Synchrony account balance. The thought just never occurred to me, and because it was at a zero balance, it was logical not to be concerned with it.

I have a single account with Sam Ash music. I set it up for auto pay which, after 5 months, still has not worked and now they have sent it to collections. Worse yet, they opened a TJX rewards account without my permission. I should say I received a bill telling me I owed money on an account that they cannot even find in their system! The reps cannot even tell me why I received a statement telling me I owe them money. Again, this is an account that I never opened AND they cannot find me in their system! I'm pulling a credit report and if any of this shows up then I will start a lawsuit. Based on the number of terrible reviews across the web with people having similar issues, I'm guess there will be many others that will want to be involved with going after this BS of a business.

I did the interest free credit for a Lumber Liquidator's purchase. As most people, I set my payments up through my online banking. The statement due date is set up for the 4th of the month. At the time I didn't realize several holidays occur then. I pay due dates and all went fine at first but have been hit twice now with payment showing a day after the due date because of the holidays. The first was a charge of $27 and the next one was $37 before I caught it (July 4th). When I called they made it clear there is no grace period, not even the one day late mine were and each time the penalty becomes more severe. Very clever indeed.

I have just recently been informed by Synchrony that all my cards with them have been cancelled. My Brakes Plus, I use only for expensive car care and paid off, but only use in emergencies - cancelled due to inactivity. Amazon, yes late missed a month, but paid off next month - cancelled, JCPenney, always paid off within 3 months and yes late once a year but always paid off - cancelled. I talk to someone at the bank probably from India and he said because I do not use the Brakes Plus card is why they cancelled. I called JCPenney and they said the new policy appears no purchase 3 months or more is cause for inactivity. This should be illegal.

Purchased windows from an installer who uses this bank for financing their Interest Free Financing offer. Got the first bill and there was a hidden $29 "Activation Fee" there. What a scam! Interest free, but a BS hidden ripoff fee. Just ridiculous.

This company has told me so many lies. First I was told I had one year free interest. After 6 months they added $900 to my acct for interest and $120 every month after. My min payment is 119.00/month and I always pay $400-$500 monthly and my payment seems to never decrease. I have called several times and all I get is a bunch of rude, lying representatives.

A few years ago, I opened a Synchrony account with a $400 balance at a local Midas shop to help with car repair costs. This particular card had zero interest if paid in full within 120 days. Any time I used the card, I made payments on time, every time and paid it off before the ridiculous interest rate would apply. In fact, I would often be late with payments to other cards to ensure this one was paid on time. Recently I received a letter from Synchrony telling me that based on my entire credit history, my Synchrony account has been closed. This was an important supplement to auto repairs and this was done in the month where I need to have my 2 vehicles inspected. I would understand it if I had a high credit limit, but for $400? Synchrony is the worst kind of credit company.

I had to have extensive dental work done which I had to get financing through Synchrony. After about a year of payments which I paid on time every time, I still had a balance of 1,166 and was about to get stiffed with a balloon APR of 500.00 or more so I wanted to pay it off and they wouldn't give me my whole account number over the phone so I could pay it off through a bank loan or credit card nor would they let me pay it off with my credit card. I never got a "card" through them or the dentist. All I could do was make payments online. Luckily, I was able to get a cash advance through one of my credit cards and paid the balance off immediately. What kind of bogus institution does this? They just wanted to stiff me with a balloon APR. Do not do business with these people. They are awful.

If there was no stars I'd give them none! This is the worst bank in history! And there have been bad banks in America. They are scammers! I applied for a Sam's Club card in March, I was approved for their MasterCard. When I signed up, I was told and there was a plaque right next to the register if I get approved no interest for 6 month on purchases. Now, it's August, I've called and fought with them once before because they charged me interest since my first billing cycle and again on my July bill they charged interest. When I called customer service, they said that the promotion is only on a certain minimum that I spend and only on certain items. I argued and argued and argued but got nowhere.

I filed a dispute against a charge-off on my credit profile by Synchrony Bank. The account was paid and proven to be paid after their Collections attorney Gregg ** of Patenaude & Felix's lawyer could not prove nonpayment, BUT I COULD PROVE PAYMENT! I HAD MY BANK STATEMENT SHOWING DIRECT DEDUCTIONS TO GE THEN SYNCHRONY BANK TOTALLY OVER $5000! The Magistrate tallied the payments and found in my favor.

The reason for my review is to place a complaint and warn everyone to not trust Synchrony Financial! They are a scam! I opened an account with them through Discount Furniture to pay off my furniture within one-year interest-free. In June I made my last payment of 338, which I divided into two different payments, one from my bank and the other from my boyfriend's. Three days later I received confirmation of payment and checked that my balance was $0. One month later I received a call from them stating that I have an outstanding balance of $600 because my payment was reversed, which I never received notification of, so now I owe interest charges and fees. When I asked which payment was reversed they couldn't answer me. So I called both the banks, which said that the payments did go through and the money was withdrawn from both the accounts.

I applied for an account with Care Credit because I was told that I could borrow for needed medical expenses and hearing aids with no interest for a year. I was ahead of the payback schedule until my income fell. I had to use the account a couple more times during the first year. I was unable to pay off the initial loan before the year was up. I was charged interest all the way back to the initial loan date at a truly ridiculous rate. STEER CLEAR OF THIS COMPANY.

We signed up at PC Richards for a credit card 12 months zero percent interest. Paid off 85% of the card from $6,000 to $1,150, the first bill after 12 months was $2,400 - 1,300 was interest that they charged us on money that was already paid back. There was no disclosure of this and we were told to sign 3 times on a 4 inch screen that said nothing about this interest charge and how they would calculate the interest. Avoid GE, PC Richards and Synchrony bank at all costs. Complete scam.

I had opened a CareCredit card about 4 years ago for vet bills. Brought my fur baby in for a regular exam/checkup yesterday. Wanted to use my card and it wouldn't work. Called the number on the card and come to find out, my account was closed without my knowledge. Customer service rep that I spoke to said that I had to reapply because they can't re-open my account. Re-applied after I got off the phone and was denied. This place is a frickin joke.

I have been actively paying above the minimum balance every month on my Care Credit Card. If it wasn't for my dog being in and out of chemo and we needing to fund it, I would have nothing to do with these people. My balance has not budged under $3000 after months of paying it. I did some research on them, and not only do the sky high interest hit you basically as soon as you sign up and charge the card, but there are 4 deferment fees you have to pay that are hundreds of dollars on top of the fees you are already paying every month.

Synchrony Bank will ruin your credit. I had at least 4 cards that somehow became Synchrony. I had small balances and a lot of credit. First they lowered my limits, and as I paid them off they closed my accounts. Which really messed up my credit 50 point drop in a matter of a couple months. Now I am at a loss. I plan on reporting them to the Better Business Bureau and hopefully a class action suit will come about soon.

Beware, stay away from this company. This company is horrible. I applied for this card at my oral surgeon's when I needed emergency surgery and they would not perform the surgery unless I paid up front. So I put $4000 dollars on the card because they say there is zero interest for one year. I have been making 2 full payments per month and they charged me late fees because I made the second payment before the billing cycle ended. When I called to inquire about late fees, they did not want to credit them back to me. I am 5 full payments ahead and they are charging me late fees. I will find a way to pay this off and cut it up. Also when you have had a balance for one year they begin charging 30% interest. I have contacted the Attorney General's office, Consumer Affairs Division in my state to report them and have contacted the Better Business Bureau.

WARNING! SYNCHRONY BANK IS BAD FOR BUSINESS!!! I had eBay/PayPal business card for over 6 years now, and couple of weeks ago I received new PayPal Credit Card due to the changed of the bank name (formally GE to Synchrony Bank). I called with issue with HIGH interest rate, and I was told they are aware of the issue of the INTEREST RATE and they will fix it by November, and in meantime there is nothing they can do. Whatever you do, DO NOT EVER apply for Synchrony CREDIT CARD AT ALL!!! The interest rate is by far the highest regardless of your credit history and they kept telling me that it's NON-negotiable, despite good payment history and good credit (786 Fico)!

The medical facility we used CareCredit with sold us on using CareCredit and said it would be zero interest. 12 months later after the 12-month term we were charged over $800 of "deferred interest" on a $2400 balance.

I took out a loan through GE Capital 5 years ago, which was set to mature several months ago. I never received a single statement/call/email through the entire life of the loan. After passing the date of maturity and not hearing from them, I called them. It was at this time that I was informed of over $700 in unpaid fees on the account. Being unable to pay this in one lump sum, even though I've never missed a payment, they attacked my credit and fraudulently reported me as being very delinquent. Their attack has caused a serious (100 pt) drop in my credit score!

Care Credit and its Affiliates issue a Health Care Credit Card which has terms and conditions which don't comply with the individual state regulations where the Consumer resides. For their other cosmetic services, each state has laws on who may render laser services. Care Credit allowed a business owner in Jacksonville, Florida to register with them as a provider with false information. Each provider must have valid credentials to be registered as a health care clinic. There are also regulations for who may own a medical spa.

Since the very beginning, there is a difference between the amount l owe you and the amount you claim! l have been attaching a note on my check asking you guys to explain me the reason for the difference, adding that l will not pay any cent more than l owe you, unless you explain me the reason for the difference. It was astonishing for me to see that you were depositing my checks, without any explanation to me. GE is a gigantic company, but your bank is not respectful to your clients. Please check your account and confirm that l owe your bank $382.15 by June 30, 2016, but not $411.15. Thanks.

I can't believe what I had to do just to get my medication! For the third time (at the end of this report is a summary of the events leading up to this) my neurologist wrote a prescription for 60 pills over a 90 day period, and once again, Express Scripts claimed they got a prescription for 6 pills every 9 days, and claimed that was exactly what my neurologist sent. This would increase my cost for the medication from $90 to $900 for the exact same amount of medication.

Synchrony Bank. The credit policies are very unfriendly to consumers. Read the terms very carefully and BEWARE as they are not the usual terms. I totally stopped shopping at Walmart, Lowe's, and did not renew my Sam's Club membership since these "Big Box" companies continue to use their services.

My step son had a health issue with his young puppy so we said, "whatever it takes." Synchrony was called and they promised 6 months interest free. They began charging interest from the first bill!! Even though we hold the account, Synchrony blames the veterinarian office for the interest we're charged each month and ONLY the vet's office can fix it because they claim the vet's office set the promotional period up. That's like applying for a credit card and then letting the place you purchase from set up your account. Synchrony is criminal and is continuing in the deceptive and outright illegal practices that led to their last lawsuit. I will never again do business with anyone who is associated with Synchrony.

I have been paying my bill online for 18 months. I have never received a paper statement or an actual card. Online it gives two choices ONLY! Make minimum payment (this amount is pre-filled in with no option to change) OR make payment in full. My daughter now needs to get her wisdom teeth taken out and I inquired about an increase. I was denied because they said I am OVER my credit limit. After my husband and I went round and round with them with their canned statements of how we should have dug around on their website (which they had to help us navigate) to find all kinds of late fees. We are NEVER late. Always three weeks early. Anyway, I guess the $225 million they had to pay for Deceptive Marketing and the $34.1 million they had to pay in Care Credit refunds when they were formerly known as GE Capital did not teach them a lesson. Still up to their old tricks also known as fraud and theft.

I went to pay my monthly payment and realized that Care Credit added $2000 to my account. I went past the 12-month period (of free interest), so I ignorantly thought that the interest would be applied to my paid down balance of $4,000 (like my credit card). I didn't realize that it was a deferred charge on the original purchase of $7,200 with a 26.9% interest rate.

I have a $5000 account with them for 8 years and always in good standing. I asked them for a temporary hardship assistance as husband had a op and no income for 6-8 mos. After 3 hours on the phone they finally declared, "We do not do hardship. If you want you can pay $126 instead of $118 monthly to lower interest and shorter payoff." WHY UNTIL NOW IS THERE NO LAWYER INTERESTED IN CLASS ACTION AGAINST THEM AS INTEREST SCAM? I see there are thousands of complaints many like mine.

I paid next month's bill after due date for previous month, but apparently 1 day before new billing cycle. Payment was applied to previous month and then I was charged a $27.00 late fee for the next month. When I called to inquire all they did was state that that is their policy. Where is that policy? It is not online. It is not in the statement. I will not do business with any merchants using Synchrony Bank, too many choices in the free world for this BS. Just too convenient a policy trap. I have numerous accounts I pay in advance which always gets advance credited, no questions asked. Watch out Synchrony bank, your days are numbered with such award-winning customer service and hidden policies.

I had Care Credit since 2011. I ran into financial hardship in 2012 due to hospitalization. Care Credit reduced my credit line of $5000 to $1500. Yes there were 3 late payments but, I had the credit protection on my account. I submitted my claim a month after I got out of the hospital and the ENTIRE balance owed was paid off! Awesome right? Well, they still do reinstate my original credit line of $5000. In fact, it remained $1500 and shortly after they closed my account altogether due to my credit history. This is absolutely awful. I had not missed another payment since 2012 and I had a $0 balance on my account. I haven't called them yet because I am so disgusted with them. I actually planned on using Care Credit to pay for dental work this year. What a bummer.

I've had CareCredit for several years now. I have never had a late payment. I have always paid off my balances at a reasonable time. They even increased my limit from $550 to $2000 in the past year. My daughter's kitten got very sick unexpectedly, and ended up needing emergency surgery. I thought we were all set with CareCredit since I had paid off my balance early this year. They were prepping for surgery, when I tried to pay. My card kept declining. The receptionist called and they told her the account was closed. Thinking that was impossible, I called to speak to someone. The representative told me my account was closed last month and she didn't know why, but a letter was sent. I never received a letter. My daughter's kitten was unable to get the emergency surgery, and therefore she passed away. So thanks so much CareCredit for teaching a 6-year-old little girl a very hard lesson recently.

I got letter in mail stating my account was closed. I have zero balance with 1500 credit limit, no late payments. They said they done credit review and I'm high risk. I got two more credit cards that has said nothing of such. Is this even legal. If it is it shouldn't be. My history with them is A+. Do not use CareCredit or Synchrony bank for anything. It's a rip-off. These types of banks make people want to go postal. Owed them ZERO and closed my account mm. Maybe they couldn't make money on me is reason.

I have been using Lowers (spelled like that on purpose) for 2 1/2 years on a business credit account w/ an escrow account on top of that to rebuild my underwater/no equity house. Halfway through the project SUCKrony bank sends me a letter they are lowering my credit from a measly 2,000 dollar limit (I am funding most of this project out of pocket) to 1,300.00 (which is just above where my balance currently stands) with some B.S. excuses about low payments, percentage of balance to credit too high, and account open less than 36 months.

CareCredit charges a merchant/provider 10% fee right away. So we only receive about 90% of the total amount a patient pays. One patient paid $4450 on January 4 for her braces using CareCredit Card which she applied herself online. I received only $4009 from carecredit. On April 14, CareCredit charged our office's checking account $4450 without notifying us. When I called them, they said they suspected a fraud on that patient. Since our office did not respond to their fax requesting information sent to us the day before, they took away $4450 from our checking account. I explained to them we were closed for a week so we did not receive any fax. It did not matter. We had to pay them $4450 back although we only received $4009.

Dear David and Donna, I am so sorry for your experience, what a nightmare. I too have been try to pay down my bill as well. I have been paying $70.00 a month which only $23.95 has been going towards my balance. Unbelievable! Of course any doctor or dentist is going to say CareCard is wonderful, they get their $ up front and then we have to deal with them. It sad how this institution uses people especially when most don't have insurance and need help. I once read this saying, "We used to love people and use things, now we love things and use people". CareCard are wicked owned people! To use them would to use the card as a loan at no charge and pay it off within 6 months. Anybody reading these comments, do not use this card.

GE/Care Credit (GECC), now SYNCH/CARE CREDIT, paid a Denver dentist thousands of dollars for procedures that I've never had. After a visit to the dentist GECC began billing me for $4900, that I have no intention of paying, so of course they reported to the 3 major credit bureaus (CRA-s) that I'd defaulted on this 'balance owed' then charged off the nonexistent account and sold it to a junk debt buyer (JDB). They clearly got (were given) my information from a Cherry Creek, Denver dental group where I'd had an exam and cleaning for which I paid, immediately after the service. After the exam the dentist provided a "Dental Plan" that listed thousands of dollars worth of recommended dental work. I did not have this work done.

I wish you could leave zero stars for reviews! Where to start with this company? Once all of our GE Capital accounts were swallowed up by Synchrony, much to our dismay, it has been nothing but a hassle dealing with their customer service team. From managers on down, they are rude, inconsiderate and most of the time not at all interested in you as a customer. And if you are one day late on a payment get ready for the myriad of phone calls you'll receive within a 24-hour period!! We are in the process of paying off our accounts with Synchrony and WILL AVOID THEM AT ALL COSTS!

My wife and I decided to purchase a Sleep Number bed using Synchrony as our creditors to pay for the bed. The salesman at the time told me the interest would begin accumulating after 12 months so we wouldn't have to worry about it until then. On Christmas day the interest rate kicked in, but was a lump total of nearly $1500! Instead of beginning the interest at that time, it had been accumulating the entire time and Synchrony REFUSED to acknowledge the dirty sales tactic of our salesman. During the course of our billing time with Synchrony, I lost my job and was unable to make total monthly payments although I offered what I could and was happy to go on a payment plan. Instead of helping me out during a serious down time in our lives, Synchrony had people from the Philippines/India demanding money on the phone to pay, calling over 9 or 10 times in a day harassing me at my new job and my pregnant wife.

I have had a "care credit" account through Synchrony bank for a year. I originally signed up to pay for some dentistry work, as the dentist highly recommended using the service for their promotional 0% interest on repayment plans. I just recently moved and wanted to use this synchrony account in my new city, but they never mailed me a card or anything that I could use to setup the use of care credit at my new dentist. I contacted their customer support to try to obtain an account number or card, but they ended up closing the account, leaving a remark that my card had been lost or stolen, then immediately reopened the account. This has had a slight adverse effect on my credit score, as the average age of accounts has dropped, and the number of accounts has gone up.

My monthly statements from them all of a sudden had the balance and the credit limit as the exact same number! The statements were not reflecting any of the monthly payments made nor the new balances each month. I had been making payments every month for nearly two years. The statements just started to have the credit limit and the balance AS THE EXACT SAME AMOUNT! I have been paying on this credit account for two years and not using it for any additional purchases. Seemed funny to me that all of this nonsense started very near when my promotional period will be ending.

Over 4 years ago we borrowed we 2000.00 for emergency dental. CareCredit, recommended highly by dentist Dr. Bruce **, Littleton. We made our payments to CareCredit regularly for one year. Dr. ** was paid immediately 2000. for the work on one tooth. Our amount due after one year only went down by 200.00. We paid a few late fees, as wife got very sick, and we could not make on time. Our payments doubled, and harassing calls began. We made double payments, but it was a revolving door, nothing went to principal. Nearly we all paid year two went to fees, interest. Also year two borrowed 550. more for emergency dental from care credit. Year three paid on regular basis, but started missing high monthly payments due to lack of money. Wife is on disability, was very ill. Spouse on retirement. All the money we paid year three went to fees.

I overlooked making my monthly payment. The payment was $26.00. I had the money to pay it, but I forgot. Then the calls started. They were always during my work hours, calling my cell phone. In five days they called me sixteen (16) times! Outrageous for $26.00. I have since paid three months in advance and let their collections department know how I felt. I will not use Care Credit/Synchrony for anything again! Worst business practices a company could have. Very disappointed.

On 08/21/14 I purchased 4 tires at Discount Tire. Discount Tire it's a great place to do business & get service. At the counter they offered something that I really needed - $700.00 on a 6 month 0% interest plan (+ $50.00 cash card). I didn't think I'd qualify because I'd lost my job, house and all credit in bankruptcy... So everything I do is on a cash basis. The approval was immediate. I paid the account to a zero balance in the 6 months.

My balance was paid in full. This is not the first time this ** bank screw me over. Wal-Mart card they closed my account for no reason, Home Depot they decreased my credit and now JC Penney card account is being closed. I guess if you don't buy anything for a while they close your account. It's so terrible. I hate it. Good thing I own my car and house and I don't need my credit to be 100% because these people are ruin it. I feel terrible as a customer because I stopped shopping at Wal-Mart, buying more at Lowe's now and JC Penney will be history in my shopping experience next. That's how angry I feel right now. Hate it!

I had a Walmart account with Synchrony Bank. My original credit limit increase was $500. I just happen to check my credit score and they decreased my balance down to $100 after I paid my entire balance off. They did the same thing with my Amazon account. I am confused because I always paid my accounts on time. I closed my Walmart account today because what can I do with $100. You can spend, but $20-$30 to keep my debt ratio down. When I originally got my accounts the bank was GE Capital! Synchrony Bank is fraudulent and they should be investigated. They are unjust and unfair to consumers. I have a credit on my Amazon Account, but after I use it I am going to close my account.

Every month I try to pay my bill online and every time I get some kind of error or some kind of message that the system is unavailable. Fix it already! Then when you call you have to listen to 15 minutes of automated menu BS and then they tell you to RE-REGISTER your account. EVERY SINGLE time! I switched to paper statements because you are failing! It is 2016, why doesn't your website work? UNACCEPTABLE!

I have a number of promotional balances on CareCredit which clearly states what the remaining balance is, when the promotion ends, and how much deferred interest has accrued and will be added to the bill if the balance is not paid off by the deadline. I assumed that every payment I was making was going toward the balance with the promotional balance that ends the soonest so as to avoid a large add on of interest. I made a $150 payment and only $43 was applied to the promotional balance ending the soonest (in 2 months). I spoke with customer service and the representative's manager who confirms that their practice is to apply however much they determine to the promotional balance ending the soonest. I was informed that I could make a payment and then call the same day to request all of my payment be allocated to the soonest ending promotion.

My name is Andy from Baltimore, Maryland. I received a Wal-Mart credit card from Synchrony Bank in 2014. I have used my card on a regular basis, made all of my payments on time for two years. I intended to use my card today and it was declined - EMBARRASSING!!! Once I got the bank on the phone, they told me my credit limit had been reduced. This was unknown to me, I was never notified. What kind of people do that? Praise God this was only a credit card and not a mortgage. What kind of position would I be in? It goes to show some lenders don't care. Be careful deciding who you intend to use.

I have had Care Credit for years. I used it to get my dentures and hearing aid. I called the insurance that I have had on them because I have had a loss of income. The insurance (Account Security) said that they did not cover loss of Disability income or loss of Child Support, which was what I lost. I was so upset. I have been paying them $49.05 per month for years! (Since around 2008) I have always made EVERY payment up until now.

I have made several promotional purchases where the interest is deferred for a number of months if paid in full by the end of promo. I have excellent credit and love these promos in order to keep my cash. I have some that are coming due and some that are not due for another year. My problem with this bank is that I make extra payments and manage my due dates in order to avoid paying interest and I noticed that the payments are not being apply to the promo balances that are about to become due soon but rather applied to promos that are not due for a year or more.

There is an error on my credit score because care credit has me listed as dead and I'm not. They refuse to fix it and every time I call them, I'm on hold for 30 minutes because of this my credit score went down from around 600 to 0.

This was a good company when it was GE. They are charging 10% interest. At this rate, I could never possibly pay off the debt. After reading the other comments about late charges, I'll be calling them on Monday to try and get the interest lowered and challenge the late payments! Next, I'll pay it off and never use it again!!

I opened a line of credit in 2014 for a car stereo. The account was promptly paid off in full and I requested the account be closed. Months later I started seeing past due balances on the account for $2, $3, sometimes $6 Dollars. I call Synchrony bank and they always delete the past due balances but when I ask why I'm being charged these amounts on a Non-active account, they do not have an answer. When I ask to delete or close the account they say they do not have the ability to close the account. So, once again this is happening.

I found Synchrony while searching for a bank with better rates than my conventional banks. Synchrony seemed to have the best rates. I transferred 15,000.00 into a one year CD and 6500.00 into a high yield savings. I was told I could transfer funds into and out of the accounts as needed without penalty. Today, I found out that your first 6 transactions in a cycle are free, they then charge $20.00 for each and every one over that. I complained to their customer service and was told that is what it is, set by federal law. Of course, none of my others banks nor the ones I have researched indicate there is any such federal guideline. So I am looking into transferring to another institution. Goodbye Synchrony.

I had a Care Credit card, $2,500 limit, $0 balance. Last used 3 months ago for my dog's surgery. Planning to use for an upcoming outpatient surgery. They closed my account based on my overall credit score even though the account had a $0 balance and always has been paid on time. Synchrony account representatives could care less if you need the card for health issues and rely on your overall credit score. Yes, my overall credit score is bad due to issues that occurred in my life, but they won't even look at the card history.

I tried to register online and was forced to call in. Found out that whoever entered the account didn't have my correct birthday, although they approved the credit and the card arrived. I cannot correct it by phone, by fax nor in person at Sleep Number retailer where I bought it! The agent wants me to make a copy of an license or passport and snail mail it. I have no balance nor credit available since they can't create the account so I cannot simply pay off the card since they cannot create the account.

Just trying to view the bill so I can pay it. My wife is in a coma. I need to only change her email address to the new one as we have moved. Don't have the account info. Dealing with her medical condition in the middle of closing on our new home, I am completely overwhelmed. They won't shoot me not one bit of break. Mindless corporate drones who have no soul.

This response is directed to GE CareCredit otherwise known as G. E. Capital Retail Bank who then transferred to Synchrony Bank. When you come to Scottsbluff, NE to render a judgment in your favor, you had better have proof of the certified registered receipt and the signature confirmation. This includes a copy of the summons and complaint. That also includes proof of service of a copy of the summons and complaint. I was not notified of this action in 2013 and this is in violation of my due process rights pursuant to the Constitution and International Law. Asking for a social security number over the phone is in violation of the Social Security Act subsection 208, section 8. Go read that. That is why account numbers are used other than the social security number. A person cannot be compelled to give out their SSN under Title 18, subsection 242 under the "Color of Law". There is no law and a requirement to do so under Title 18, subsection 242. Go read that as well. This situation took a very long time to resolve a relatively simple matter and quite frankly, I will never do any business with this entity again. This matter is not resolved until I can fully concur that my credit reports have been corrected. In addition, the only entity that should ask for the SSN is the Social Security Administration itself. That's it-Period. This has been upgraded to a two-star rating instead of a one-star rating.

Last month my bill was around 1,700. This month I have an interest charge of 800 dollars. I was not aware this would happen. I never signed anything that said they would charge this amount. I'm receiving help with my house. I cannot pay this ridiculous amount. On top of this they will charge me 52 a month. I believe CareCredit is the biggest scamming company! Please help.

For convenience I initially used CareCredit for a dentistry bill. All went fine with my automatic monthly payment through my bank with the first payment on 2/24/25. No interest, no late fees. Great program, I thought. After it was paid on 4/16/15 I again used it for my husband's new glasses on 5/1/15 through Eye Specialists of Florida. I set up a similar payment schedule with my bank for the glasses, earlier pay date with different monthly amount, of course. The pay date was set up on the 21st to sync with my Social Security income, just like I set up for major credit cards. I paid $55 (over twice the minimum payment) on 5/21/15, 20 days after the purchase, & before I received my first statement. I received no late payment notices by mail or email.

Today I received a letter from Synchrony Bank notifying me they have closed my Care Credit account (paid off since Sept; prior payments made on time) due to my overall poor credit! So... I pay them as agreed, on time, pay off my account in full (until I need to use it for the next dental or vet visit) and they reward me by closing my paid as agreed account?! REALLY Synchrony Financial?! To make my credit worse, you close my account which will lower my credit score, as I'm working to rebuild my credit history, after my husband passed away last year?! You people are truly **!! Shame on you!!

Be cautious.I signed up for a "promotion" in which no interest was to be charged if paid in full within the promotional period. When I signed up I check the box that stated (and it was explained to me in this way) I was signing up for 12 equal payments to pay off the balance within the promotional period and to be automatically withdrawn each month from my bank account. I will take responsibility for not reconciling the amounts and making sure it all added up. I just saw that payments were being withdrawn from my account each month. Since I thought that it was automatically being withdrawn to pay off the balance within the period, I didn't think I had to worry about it.

My husband took out a 500 credit line for us to pay off our dogs' vet bills. They never sent us our first statement, so we were unable to login online because we had no idea what the account number was. When my husband finally called, they told him he owed a late fee of $31.00. My husband disputed it. They said they'd send it in the mail, along with a card. We still haven't received that and it was over a few months ago. I'd never work with them again.

I never received a single statement in the mail. Still made everyone of my payments online. One month it was late (since I didn't know when it was due). They charged me $35 for that month and every month after totaling about $500 because it kept rolling over. No help at all. So frustrated!

I first signed up for the CareCredit card because, way back about 10 years ago, I had no insurance and I had and still have lots of orthopedic issues. Needless to say, I did qualify but for only $500. I was going to see a NP at this ortho office and she basically was trying to get samples of everything for me (she was truly my angel at that time) and she also got samples of the cartilage type shots that I had to get 3 each of that were $100 a piece! So, long story short, i used this card for whatever I needed at the doctors' offices I went to as long as I made sure I could pay. Well, I did, on many occasion (because I was only working 20 hours / minimum wage) a week. I could hardly afford much and had to pay the minimum amount each month.

My beloved dog had an accident and required emergency care. I was SO grateful that I was able to use CreditCare for the medical expenses. However, dealing with the customer service department has been a nightmare! I tried to go online to mysynchrony.com to set up payment. The system would not recognize my account number (which I now know by heart from typing it in so many times). I called customer service and got a man in India. He advised me to refresh my computer... blah blah blah... then said to me "They have been having a problem with their system lately. Try again later". REALLY? Three days later, I just paid the bill online through my own banks bill pay system. As you know, those payment take three days to process. I made the payment today, but the due date is tomorrow... meaning my payment will appear as late. So, I called, explained my dilemma and was basically told they could do nothing.

I signed up for the Amazon card. But never received a physical card, never had a statement, online or by mail. I believe this is a business model that preys on people's inertia. Those that don't closely check their balances, statements and charges, therefore making fantastic amounts of money in charges, never disputed. I have had my charges refunded and have closed my account. I urge you to do the same.

I got a CareCredit card in May 2015 to use at the vets when a pet needed urgent care. I knew the rates were high. I also was given a promotional deal that when you charge over $200 there is no interest if paid in full within six months. My very first charge was $203. I had two more charges, each under $100, during the months after the first charge. During the sixth month, before the promo deal ended I checked my account online to make sure all was going well. Even though I had paid $205 on the promo charge of $203 the website said I was still past due $21 dollars. I called and was told some of my payments went to pay on subsequent charges.

Today the company's website is under maintenance and they go to the extent to say that you can make a payment with the customer service line @ 1-866-419-4096 but when I called the number I was on hold for more than 47 minutes and I decided to hang up because I have used that time I wasted to get something else done. It's very frustrating when the company says something but fails to keep up with their word. The message on the website does not say how long the site will be under maintenance which is just not right. I guess they expect you to check their website 5-10 times a day to see when it's up and running.

Misleading. Customer service is awful. Obviously sourced out of the U.S. service. Reps continuously disconnect you, causing frustration and if you are I'll, unable to deal with runaround. Late fees are so high and they did not want to work with you to have it adjusted (no fault if you are hospitalized due to accident). Terrible.

I have several accounts that were formerly managed by GE Captial that has now been taken over by Synchrony Bank. Synchrony Bank is lowering your previous credit limit to at or below your current balance and in some cases lower than your previous limit to charge fees. By lowering your credit limit they take your card to maxed out which then lowers your credit limit and begins a vicious cycle of lowering your limits further. They need to be investigated.

This is absolutely the worst company and the lowest level of customer service received. I called to get my account number so that I could pay off my loan and the agent would not give me the account number. Her solution was to send me a new credit card so that I could get a new account number. I offered repeatedly to answer all of the necessary "security" questions to confirm my identity, but to no avail. This company needs to improve exponentially in order to even get a chance to provide me with consumer credit services in the future. I do not recommend this to Synchrony Financial or their CareCredit dental/medical loan services to anyone. Beware!!!

I purchased furniture from Rooms To Go in which Synchrony financed. The 1st bill was $25; therefore, I figured the monthly bill would be $25 unless I added something else to the account. I set up recurring payments for $25. The following month, the $25 posted to the account then a few days later I received an email stating $6 was past due. I retrieved the bill online. Apparently the bill increased to $31. Not sure why because no additional purchases. I immediately called Synchrony and explained the mixup and requested the late fee to be removed because at that point the balance due was $64 which included $25 late fee, $6 past due and the current amount due $33.

Horrible customer service, most unfriendly employees. Why would anyone deal with this bank? Unfortunately I had to for business, and trust me I will never do again. And I advise anyone to stay away from this company.

I have 9 store credit cards that I've had for over 20 years with some of the stores, and all were closed without any notification in writing or letter. I had to file chapter 13 due to a very messy divorce (I was ordered to purchase and make payments to my ex for a house that was all in his name). So to protect myself from this I filed but my credit score is still in the fair range. I kept my store cards because I had frequently used them for rewards but I always had paid on time and 0 to low balances. This is not fair since I've been with some of these store cards for years! I can see if I was a risk but since they were not on the chapter 13 and I was in great standing why should they be cancelled?

I have had several accounts with Synchrony Financial (Formerly GE Capital). I have a 730 Fico, no lates, and they lower my credit limit every time I make a payment to just about the balance. Currently the only accounts I have left with them is a PayPal and Amazon Store, and they BOTH will be closed as soon as I close on my house. I am currently livid, and my mortgage is in underwriting, and if this causes a problem, I will be taking a lot further recourse. If it does not, as soon as the loan closes, I am shutting down ANY accounts I have with Synchrony Financial and will stay far away. DO NOT GET ANY ACCOUNT WITH THEM. It is not worth the hassle. This particular card started at a 2,000 limit, and is not at 250! I have others that range from 3200 to 5000 that have little or no balance. Why does Synchrony Financial do this? Poor, poor business practice.

I returned to the U.S several years ago after being out of the country working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working. I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them when they took over the account. They told me that I had to contact the Collection agency Midland Funding and that if there was any paperwork to Validate the Debt, they would have it.

Was charged a late charge because I paid my bill early. Can't pay the bill before the billing cycle ends they said. Makes no sense. I had already made another payment before the billing cycle ended and ask if I would get another late charge. Yes, I would, but they could refund the payment I had just made and I could make it again after the billing cycle ended. Agreed to that.

Synchrony took over GE Financial and it's been amazing how they treat their customers.

I have tried at least a dozen times for different credit cards with Synchrony Bank over the past three years... Each time with a denial. My credit is rebuilding (avg score 600). I have been approved for three cards with Comenity Bank & two personal loans & an auto loan but this bank does not seem to like me very much. I have never had an account with them that has went negative... In fact years ago I had a Walmart credit card that I was a joint applicant on and it was always in good standing and eventually closed by our decision. I guess Synchrony Bank has way too many customers and can afford to be extremely picky. I will make this promise to them though... Even if I get my credit up to 800 I will never apply for another credit card with them. After seeing all the complaints on different websites about the bank that even makes my decision easier to stand by.

We bought a 4600.00 bed and signed up for a Syncrony 12 month no interest account. After 9 months, there was a 99.00 balance at the end of July. We never received another bill as of today 10/05/15. Their collection dept. called this morning and I was connected to Customer Service. They told me that the Postal Service returned both the Aug. and Sept. bills, even though we received the previous 9 monthly bills with no problem. Even after admitting it was their fault, they couldn't assure me that I wouldn't be charged for going past the promo deadline after they sent the bill in 7-10 days, and I responded with the final payment to them before 10/18/15. It forced me to pay by debit card today. Smells like scam to me to mysteriously not get the final bill. I wonder how many people got burned by this unscrupulous practice. I know I almost was, I thought I must have paid it off. I never got another bill from them for two months.

It has been a nightmare with my Banana Republic card ever since spring of 2014 when they switched my regular card to a Visa; I take it this was when BR switched to Synchrony- I have had so many issues since. The first was that the card was not linked to my online account and they had 2 separate accounts set up and neither reflected an accurate balance. The bank will call 2-4 times a day to reach me- I believe this is considered harassment. A few times I have gone to pay for things, zero balance on my card only to be told that my card was being declined and I would need to contact customer service. One month I was attempting to pay my bill online and could not log in. They said I needed to call them asap. I did and they said they had turned off my online account because I had not picked up my phone to "verify my address"; yet I was paying my bills on time and had verified my address 3 months before.