Synchrony Bank
Is This Your Business?1.1
3.3
Overall Score
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james nicholson
I used synchrony for a few things and as soon as my credit score went down a little bit they lowered my credit limit and lowered my credit score by 32 points.
Also I had a card that had a few dollars on it and I paid it off and they shut my card off and witch dropped my credit score by a 100 point for having a card shut off that is my experience and last experience I had with this bank
We live off are credit score these days and this company is hell bent on destroying ur score as fast as u sign up with them
3 months ago
J o
Seems to be a very consistent concern with Synchrony Bank. I'm paying them off, making adequate payments, using some cards or not using others and then out of the blue I have a huge credit drop. They have at random cut my credit limit to $300, from $3000, stating a concern with credit inquiries. Then again, out of the blue, cut another card from $3000 to $2,250, no explanation. Card is being used correctly and paid off. They have destroyed my credit and one of the reasons they state for lowering credit limit, my credit score, that they lowered due to a sudden decrease. They have a monopoly on stores, but they are shady, scam artist and what they are doing needs to be looked into as fraudulent and illegal.
4 months ago
Chris Robinson
I would like start with saying this, if I knew this credit card company operate with poor standard and practices, I never would have sign up with them for the guitar center credit card. I sign up for the card to buy equipment for my local church. I had the card for over 1 year and half. Use it made purchase and paid card off not a problem. After that I used the card again an I noticed after the 3rd set of purchases my credit limit was decreased. A was sent a email that they are decreasing my credit limit. It didn’t make sense, because I was paying on it and using it and never had a late. Then yesterday was the last draw! I’m at work, I check my email, a saw I have a letter from this company(Synchrony financial) saying they made a decision to close the account. Now I can see if you are late all the time or don’t pay. I believe that is warranted of account closing. But if you make all you payments on time and this month made a double payment to pay it off and you close my account and I have credit and not behind that’s unethical and bad business practice. I have sent a letter, to attorney general office, bbb and complaint board. An after reading comment I will share my experience with my followers on social media to warn people how this company treat people.
4 months ago
Kristin Scott
I have several accounts with Synchrony Bank. Last month they lowered my credit limits across all accounts to where the balance was. I have NEVER missed a payment, Doing this screwed me over on my credit score, it dropped pretty drastically because my available credit to debt ratio dropped. With all the accounts, they dropped my available credit down about $5k. How I hate them... I worked so hard to bring my score up - always paying on time, always paying more than the minimum. Now my goal is to pay them all off and never do business with them again!
And then a loan I have with Ally got transferred (or bought) by these fools.
And for the record, Synchrony... your reasons are bull... I don't have a home loan BUT I own a home - so what's your problem?
4 months ago
Persistent Dreams
Had some plumbing work financed through the Synchrony Bank HomeCare card. Never again! Was waiting for my first statement to make my first payment. In that time, the balance was added to my account, pulled off as if I made a payment for the whole thing, added back, and pulled off again, ON THEIR END. It was only fixed because I called them to fix it. It appeared fixed so I set up a payment through my bank. Payment goes out, I check the SB website, it says my account is closed. They tell me it's because my first two payments (the ones I never made) were rejected. Then they lied and told me they informed me the day before I sent my actual payment. Now I'm waiting to see where my actual payment ends up so I can dispute it if necessary. Read the reviews. Stay as far away from this "bank" as you can. They are either a scan or totally incompetent.
4 months ago
Faith W
HORRIBLE bank! I (had) a 785 credit score with no payment issues with this bank or anyone else. I was in really good shape. Out of no where, they closed all of my accounts stating I was a payment risk??? I have no idea where this came from? there is NOTHING to warrant this! Icing on the cake, I had monthly payments given to a charity taken from my credit card with them which they closed. I had to receive a letter from the charity stating they were unable to obtain payment.....there was NO reason for this....... please read the numerous reviews with my same complaint. I understand taking steps to ensure the safety of the borrows and the bank, but they are way out of line
4 months ago
Christine Russell Columbus, OH
I have been with synchrony bank through value city furniture in 2018 till now I was shot in my neck and needed to have surgery and I was still putting something on my account but that wasn't enough for synchrony they closed all three of my accounts because my credit scored dropped. That's how you'll conduct business np thank you. And customer service was terrible. I would never recommend synchrony bank to anyone. Company trustworthiness lol your COMPANY must be in training or take it off all together because you'll don't trust any one you'll are in it for the money
4 months ago
Jayme & Jon Boettcher Salt Lake City, UT
Our payment on our loan was due on the 5th of the month. Due to a change in our payroll, we chose to pay ahead at the end of January, so we would not have any chance of being late when our next check came in February. These crooks are now telling us that we own them a 30 dollar late fee. Apparently by making a payment before the statement was generated, they did not consider this our normal payment and therefore they claim that our February payment was not made on time. They did this even though we are multiple months ahead on our payments. This is ludicrous!!! I’m very disappointed that I could not give them less than one star for the review!
4 months ago
Review Source
Heather Saint Paul, MN
I seldom give poor reviews because the world has far too many critics. However, your phone system/ communication lines are sub par. The fraud team flagged our card due to a high risk transaction at Walmart. I appreciated the concern at first, but the card has not worked properly since this date. We have called 4 times to have the "card turned back on" only to have it declined for our normal pattern of spending. Moreover, your customer service team has poor communication with transferring back and forth and is unable to help with basic transactions. We have given forgiveness 4 times in the past month...with no results of fixing the problem or any sort of compensation. I am embarrassed for this company.
4 months ago
Kush Scott
I wish I could give a 0. Like the OP they cut you off then send an email with a letter from 4 months prior with irrelevant data.
They cut one of my cards from 1000 to 100. Who the hell has 100 credit cards. That’s gift card status. They really suck I advise everyone to stay away from these scumbags even this review is a scam. I put all 1’s and for the NPS question at the bottom I put 0. Then it tells me I 80% finished the review. After looking back I didn’t omit anything so I decided to test and changed my NPS question to a 10 and then they say I filled out the survey 100%.
I am submitting this scam review process to the better business bureau and the NPS team for forced hi scores
4 months ago
chris alessandrini
I give the 0 stars. They are the worse card ever. I filed a dispute when my card was lost. They told me they would take care of it and remove the charges. About a month later the charges were put back on my account. I called them and they gave me no response as to what happened and re stated the dispute on my card. This account was once used for my sick dog. My account was at steinbech vet clinic which is where the charges were made. I did not approve of whatever they did to her she died! synchrony should be ashamed! These crooks are still trying to get money that's wrong on so many levels! Shame on them!
5 months ago
Diane Jessop Fishers, IN
I would give a zero if I could. DO NOT use any card from them. Thanks to them my credit score has went down over a 100 points. First they cancelled my long standing card, then lowered my Amazon account down to 300 when it was 1500. Then they lowered my Verizon card from 2500 down to 300. Now since they lowered it I still had like 25 available credit. For whatever reason they are now saying that I am over the credit amount. I just paid over a 100 on it and so shouldn’t be no where close to being over. I have NEVER had a late payment on any of my cards. I have paid all of them 2 weeks or so before the due date and over the amount that was owed. I’m so over them and would not recommend them to anyone. I worked so hard to get my credit up just for them to ruin it. I’m literally in tears.
5 months ago
Becky Myers Charlotte, NC
I just had a letter read to me by a customer service lady, because I never got the email,she read it to me from her side. I started with a 1,200 limit at Belk and I've Never ever got my balance up that high and Always pay early and over the payment amount. Thats one card I did love at one time. I checked my monthly payment due ,as always, to find out that I went from 1,200 to 720 limit which lowered my score because it looked like I maxed out my card. Never ever mazed and paid over amount, I looked today to write my bills in my bill book and because I had an amount available they lowered my limit $20 below my available. So lowered my credit score Again. If you get it to 30 used on card they will mess you up and lower your limit. I've always made this card a priority and they are horrible at taking care of Good customers, predators are what synchrony is, can't wait to pat it off and be done with these pathetic people. Definitely they do more harm than good.
5 months ago
Stephanie Soondar Denver, CO
Outdated a/o basic algorithms lead to customer service omissions. For example it's auto-withdrawal malfunctions, and the customer service staff on the initial phone or chat intake aren't trained or equipped to address it. So the bank will count it against you even though it's a bank issue. The year 2023 and I had to make manual payments. If you need the credit grab it, but if you're not pressed there are better banks.
6 months ago
Victor Z Pleasanton, CA
I have been with Synchrony bank even since GE closed their GE Capital account and suggested I transfer here. My experience with Synchrony bank is excellent. They have the best rate for CD and savings account. I used online transfer to switch money between my bank accounts. It works well for me. I have never had any problem with their customer services. You can quickly talk to a real person, no lengthy phone maze.
4 years ago
William Braun
Horrible customer service. They will over charge and bill you for everything they can and more. Good luck getting an help. Do not bank with them. Stay away. There are plenty of other banks out there.
2 months ago
meg ryan
WOW they have a 1 star review and Now I know why!!! I missed one payment and they lowered my credit and charge me a late fee, dumb asses!! So,
Now because you did that I don't plan on paying until I feel like paying and I might include all of you in my bankruptcy
3 months ago
JOLLY RANCHER
I started an account with synchrony through Amazon. Without my permission , they made the synchrony account the primary payment through Amazon. The interest tatexx CD was incredible and customer service was horrible. The worst banking experience I’ve ever had..
3 months ago
Dav
This bank is terrible; they closed accounts or reduced the credit limit for many customers, ruining their credit records for no reason. I read numerous reviews here and on other websites, and the customers are complaining about the same issue. That bank is not good at all.
3 months ago Edited April 1, 2024
Trent Doyle
Like others, I had accounts with Synchrony, then got snail mail about their concern about paying my accounts, even though I haven't missed a payment. They pulled the same stunt about 2 or 3 years ago. So, I've gone through this twice with them. So, from my perspective, if I could, I wouldn't give them a star at all. I will never EVER do business with them again. I will not have a savings account with, nothing at all. Their call centers are never in the USA, their foreign csrs know nothing, it's just simply too much.
4 months ago
Mark Mckinney
Awful experience with Synchrony. Had the card for a couple years with basically no usage. I applied for it with Verizon and it allowed me to get a discount at the time for some promo. Eventually they told us we had to have auto pay on the Verizon account through the credit card to get the autopay discount. So I swapped my auto pay over and had my auto pay set up through my bank for the card. After 1 failed payment for who knows what since they wouldn't give me the information, they closed the account with no notification that the payment had failed.
4 months ago
Chad Peace Riverview, FL
This company is nothing but a scam! Bought a sleep number bed and financed through Syncrony Bank. I have never had a credit company that randomly reviews your credit score several times a year without any notification. Last week after 2 years they closed my account without any notification. I am going to work my ass off to pay them off as soon as possible. I will NEVER do business with them again. I would give them -5 stars if I could. This company should be shut down!
4 months ago
Warren Los Angeles, CA
This bank is fraud they closed costumer account but before they rant your credit their credit line is a fraud a money machine don’t trust this bank they are bad like Santander bank fraud interest high they are from Germany not good they have American eagle 🦅 JCPenney San club gas car Macy 76 gas chevron so be on the alert 🔔 they are not good fraud
4 months ago
MC Swift
The absolute worst! If you are in any way trying to build your credit or have good credit or any credit at all this company will ruin it. They constantly are lowering your limits making it impossible to use the recommended 30% credit card utilization recommendation. If it gets paid off annually why punish people for it. JUST STAY AWAY goal for 2024 pay off what I owe and NEVER do any business with anyone who uses this company just a terrible business who uses unscrupulous tactics to hurt there customers.
5 months ago
Rosalyn Jimenez
If I could leave zero stars I would. If you care ANYTHING about improving your credit score, stay AWAY from Synchrony Bank. They are infamous for closing accounts w/o notice. They've done this to me twice on accounts with long history that I have paid on time. They're justification was that they found something on my credit report that led them to (not simply reduce my limit) but go straight to closure. However, my credit status hasn't changed. Please do not support this bank and their borderline criminal behavior. Its companies like this that keep people from progressing.
5 months ago
Kayla Ofeldt Liberty, NY
I would give a zero if I could.
The customer service team and supervisor are horrible. I had a late payment fee because the payment was made on my due date and they do not offer any kinds of grace periods. And since they returned the one late payment fee, they can’t do another in a 12 month period because my payments were made on the due date. Never dealing with Synchrony bank again.
5 months ago
Darlton Omar Sinclair Houston, TX
If it would allow zero stars I would . DO NOT OPEN A CREDIT CARD WITH THIS COMPANY . I place in all caps for emphasis , They are the worst will closed your account even with you paying on time they lower your limit and mess up your credit. Avoid them they should be shut down and put out of business. Their customer service is mediocre and they are so out of touch , Avoid them and look elsewhere,
5 months ago
Melissa Kelly Glendale, AZ
These people are crooks!! The agreement states they will charge 26.99% interest, they charged 39.98%. Nowhere in the agreement does it say that they were going to take the amount they should charge and multiply it by 365(days of the year) then divide that number and then multiply that number my the
number of months for the promotional period to overcharge by nearly $1400. I do believe this is illegal and this company should be fined and shut down. I will be seeking legal action against them. This is unacceptable!!!
5 months ago
DJ Johnny Scott
This is the worst credit card company in the entire world. do not apply for an account with them and ever miss a payment or have your credit report change because if you do they will reduce your credit card limit in extreme ways and then close your account out right. main cards I had problems with are Musicians Friend Credit Card and Sweet water credit card. I have never had a company reduce my credit line from $5000 and take it to the balance ever but this company did then they closed my accounts entirely a few months later. PLEASE WHATEVER YOU DO BE CAREFUL WITH SYNCHRONY BANK PERIOD. I will never again get a card from there bank ever
6 months ago
Janet Carmichael
I am so saddened that our banking system allows such a company to operate such misleading and deceptive trade practices as this organization. I signed up for a two year payment plan in 2021. As soon as I received my first statement, I quickly calculated that they were specifying a payment amount that was to set me up to not pay it off on time. After GREAT resistance I finally got the rep to change the amount to be auto deducted such that I would pay it off in time and avoid any and all interest charges.
Upon the expiration date of the promotion, somehow they had added additional monies owed and passed on a doozie of an interest charge. They are unable to explain how that happened.
Note that I have contacted them now four times tallying at least seven hours of explaining to each representative their error. Each and every time, they had no notes on the prior conversation, continued to deny that I ever filed a complaint. Eventually they agree they saw I had contacted them and then begin again the standard script evading any note of customer service and/or resolution. I even received emails stating I had messages in my account only to go there and discover no such messages. Their idea of customer service is to hide, deny, hide then deny.
DO NOT UNDER ANY CIRCUMSTANCES enter into any agreement with this company. They are designed to set you up and then run for the hills. How can this company be allowed to operate? They are a disgrace to business.
6 months ago
Dale Sonnenberg Indianapolis, IN
I have a care credit card through synchrony bank and am enrolled in auto pay. I had to change my account numbers because of some fraudulent activity on my bank account. I changed everything on my auto pay with synchrony and they still screwed it up. It showed I had made my payment on time and then a week later I look and see it's past due. I've never made a late payment on anything in my life and these incompetent fools can't get it right. So now I'm stuck with a late payment on my credit report because they have no idea what they are doing. Unbelievable how anyone can be so incompetent. All they do is answer a phone and can't even get that right.
6 months ago
James Wilkinson Olympia, WA
Lousy experience trying to open a CD. I filled out their application online and got no confirmation. After a couple of days, I called, and they could not find any record of my application. I filled it out again with the customer service person on the phone. Again, no confirmation. After about a week I got a letter denying my application saying, "Your application has been declined because we are unable to verify your identity as required by the USA PATRIOT Act". What? I have been a U.S. citizen my whole life, never changed my name, lived in the same address for over 20 years and they have my SSN #. Are they really saying they are that incompetent? or is there something else going on ...? The world is becoming a scary place. Anyway, I moved on to a more competent/reputable bank and I would suggest you do the same.
6 months ago
kevin parker Swansea, MA
Had this card for YEARS (4 to be exact)! Paid off my balance and haven't had one on it for at least 2 years. Just recently, in the last 6 months, I went through a financial hardship. I was then surprised to find an email from Synchrony Bank telling me that they canceled my credit card. Now again, I had NO BALANCE on this card, and have kept a great relationship with then, so imagine my shock upon receiving such an email. My credit score suffers further, I lose my available credit on that card, and I feel betrayed and hurt by this company to boot! I could see it if I was late on payments, or if I had an outstanding balance, but I was always on time for payments, and I NEVER kept a balance on this card. These people are scumbags. DO NOT do business with them. They won't hesitate to kick you while you're down.
6 months ago
Disappointed Warwick, RI
Terrible customer service!! I paid off my account and had a zero balance, and 6 weeks later I had a balance again, and didn't use the card. The account was messed up for 2 months when suddenly my closed account through Synchrony from years ago also had a balance!! It was a closed account and suddenly showed a balance? I called 4 separate times in an attempt to straighten it up. When I called yesterday, I asked to speak to a supervisor and she got on the phone in a mood. She told me that my bank account was closed. It has never been closed. I have had the account for years. I kept trying to explain my issue and she kept saying over and over that my bank account was closed. Not true. I ended up closing the account for my JC Penney card due to the treatment. I have been a long time customer, I don't miss payments and I was treated horribly by Heather a so called supervisor from the call center. She was rude, and she didn't listen to the problem. Horrible customer service! Train your people!! I am contacting JC Penney to let them know how I was treated by Synchrony and why I dropped my JCPenney card. Also, I am reaching out to the State Attorney General to file a BBB complaint. I encourage others to do the same. I am disappointed in the way I was treated for a series of missteps on their end. Shameful.
6 months ago
Roger Smith La Porte, TX
This is a very low class lender bank. I have 3 credit cards through them two have not been used they are less than a year old. So they closed those two. I have one through this bank now that I have and making payments on it and they sent me an email saying that it was closed. So I get in touch with them and they say that the account with this card is good. So is it closed or is it opened. Once this particular account is paid I will never ever go through this bank lender again. Their customer service support is crappy. I have read numerous very bad reviews and seen lawsuits against this bank lender. My advice is if your applying for a credit card DO YOUR HOMEWORK AND MAKE SURE ITS NOT THIS PARTICULAR LENDER.
6 months ago
Niki R
Their retail credit cards with promotional purchases are predatory and non at all transparent. I followed all of the prompts for auto-pay and paperless billing, set my payment well above the minimums and in-line with paying off the promotions in time and they misallocated payments to other purchases causing the promotional purchase to not be paid on time, therefore tacking on HUGE deferred interest fees. I didn't receive any notifications about the fees and I have tried calling so many times to escalate the issue but get forwarded to an "account manager" who is a third party call center that just repeats "there's nothing we can do about it."
7 months ago
Lakeisha Williams Clearwater, FL
I’ve paid three of my accounts off only to find out they closed two of them and dropped the other one from $4000 to $100. The interest is awful my care credit was closed due to the company not pulling the funds out of my account in a timely manner, and due to them not pulling the payment the other payments on my account had been taking out. But I was the one that was embarrassed inside Reeds jewelry store due to Synchrony closing an account that has been paid in full since May of 2023 makes no since to close account that were paid in full. I wouldn’t recommend this company to anyone. These are accounts I had for multiple years with a good history of payments before they were paid in full
7 months ago
Jan Boniface
Over the past 12 hours I have had nothing but problems creating and funding accounts with this institution. Last night, from Facebook, I followed their online application process. All three times, the application got to a point where it froze and would not respond. I decided to wait until morning to open the account.
After opening my CD account in the morning, I funded it using a small amount of money. I then wanted to open a larger CD and tried to transfer funds. Their transfer system was telling me I needed two accounts, but did not explain that the second account had to be a Synchrony account that was not a CD. So, I created a high yield savings account. When I tried to fund the account using the same external account I used to fund the CD, I started getting the error "must not be blank". What a super descriptive error message that is. By the way, nothing was left blank.
I tried several times to no avail. I then got on a chat with a live rep. Eventually, the rep had to call me on the phone. I cleared cookies. Cleared my cache. Then, a new error started showing up. I tried two other browsers, all with the same result.
I want to add that I have 23+ years of software QA experience. This is not an instance of someone not knowing how to use a browser. I have plenty of online and mobile banking experience. This was an absolutely horrible customer experience.
7 months ago
Sarah Hartzog Delta, UT
Synchrony took out a $36,500 loan in my name that I never approved. I have asked for the original loan paperwork and they never provide it. This has been going on now for two years. Shame on you Synchrony. I am a disabled combat veteran who had perfect credit before you got ahold of me. I was approved for a VA home loan, and now because of Synchrony ruining my credit, I am stuck in a home that is not set up for my disabilities and I am getting hurt all of the time. This company should not be in business. They have continually broken laws and their customer service is horrible. Don't use this fraudulent company.
7 months ago
Marty Remillard
This company is behind the multi chain stores such as Beals, Lowes, Credit Care Credit Card. They lie, without warning they just shut off you card even with a zero balance for inactivity for 12 months, then with another card with them they reduce your credit limit, which then reduces your credit score as a result of both those actions which results in a tumbling effect on all your other credit cards cause your credit score to drop further. I went from a score of over 740+ down to a 665 because of them.
7 months ago
Bill Waldorf Knoxville, TN
If I could give them zero stars, I most definitely would. You would think that the CEO of the company would care enough to actually read what customers have to say about their experience with the company. I have an exceptional credit score that I have worked hard to maintain. I just opened an account with Discount Tires simply because they offered 12 months zero interest and it came with a $2,500 credit limit (which pretty much anyone who breathes can get). I wanted to get a second set of tires for my wife's car and requested a credit limit of $5,000 which was declined! What's ironic is that I have an amazon account through synchrony with a credit limit of $20K and Belk stores for $10K. You can't speak to anyone to actually override the algorithm. They just told me I would receive a letter in 7 to 10 days explaining why. Do you really think I care why? I can easily pay for the tires in cash, I just like using 12 months free interest and holding on to my cash anytime that's an option.
7 months ago
Mike Hunt Tampa, FL
Synchrony bank automatically enrolled me in auto payment without my authorization after having the credit card for over a year. As I do monthly, I scheduled an online payment. Today I find out that they took two payments out of my checking account causing overdraft. I contacted the bank and was advised they can send me one of the payments (by check in mail over 2 weeks) but refused to reimburse my NSF fees. I demanded a manager and was told one was not available, but I would get a call back some time over the next 3 days. Worst bank I have ever dealt with; they literally stole money from my account.
7 months ago
Sherrie Echarte' Tempe, AZ
PEOPLE guard your digital wallet with this bank. Twice I had issues with charges being placed on my account that were not mine. They fixed the 1st issue by opening up a new account, only to have more charges accrue. This was raising my blood pressure; I just paid off the accrue purchases and closed the account all together. You can't rely on this institution to protect your credit or to manage any account; they all seem to be going off a script which is apparent and they have little children answering their phone calls. It is best to GET OUT while you're ahead. Synchrony I Am not responsible for any charges that comes through after 11/27/23 because the account is closed. This has been a PSA!!!
7 months ago
Glen Koedding Middletown, NJ
I am deeply dissatisfied with my experience with Synchrony and their Credit Security Service. In April 2021, I opted for a financing option for my new Air Conditioning system, and it has turned into a nightmare.
Automatic monthly payments of $285 were set up, and I recently discovered an unauthorized balance of $4,268.37 on November 13, 2023. Shockingly, Synchrony had enrolled me in their Credit Security program without my consent, charging an outrageous $159.5 monthly fee—more than half of my original loan payment. This fee accrued interest at 26.99%, resulting in an unjustifiable balance.
When I contacted customer service, they claimed I had "opted in" during the loan application, a fact that was never clearly communicated. Despite my objections, they offered only a partial refund of $1,785.89, insisting I bear responsibility for the remaining $2,482.48.
This resolution is unacceptable, as I never willingly enrolled in or desired the Credit Security Service. Paying the contested $2,482.48 under duress is my only option to avoid further interest charges.
I urge others to be cautious when dealing with Synchrony, as their unethical practices have had a severe impact on my financial well-being. I've filed a complaint with the Better Business Bureau and requested an investigation with the NJ Department of Banking and Insurance to address potential deceptive practices.
Consumers deserve transparency and fairness, neither of which I experienced in this situation.
8 months ago
Christopher Boyum Buffalo Lake, MN
Had 2 new egg cards threw them Both ended uip never being used because syncronys system wont communicate with the website. When talking to Synchronys customer support they tell me that their is a way to fix this and that New Egg Knows about it. I am a regular at Newegg and their customer support is great. They say there is no such thing and that The issue is on Syncrony's end. After back and forth I closed my care Credit and my brand new not 1 day old newegg account and will not be returning to such an incompetent company. These companies using them for their store cards should highly reconsider as they are losing money over synchrony incompetence.
8 months ago
Devon Velasquez (Dev) Idaho Falls, ID
I haven't had any of the difficulties others have with their phone customer service, they've been polite and helpful there. However they can be overly persistent with their collections calls and my biggest gripe, and it's a big one, is that their website is absolutely miserable to use. None of their "features" to do things like recover your account number work at all, they don't make it clear at all what information they need, their captcha verification sometimes takes 10+ attempts.
8 months ago
Nikki R San Jose, CA
If I could give zero stars, I would do so. I have two credit cards with them that have never been paid late or had any issues. One had a 5% utilization and the other had a 40% utilization. They have just lowered my credit limit on both cards drastically, and now I have 100% utilization on both, which has dropped my credit score. I have had these cards with them for over three years and have had absolutely no issues with payments to them. DO NOT use them. There are so many other credit card companies that will not do this to their credit card holders. I will be closing both of my cards with them asap.
8 months ago
Kalani Odum
They have repeatedly pulled payment from my bank account just to turn around and return it causing me to acquire a late fee despite there clearly being enough money in my bank account and the appropriate amount due taken. This happened enough times that it closed my account. I was told to keep my account current to pay a WEEK before the due date because the processing time for payments can be up to five days. What other credit card company does this?! I’ve never had issues making my payments the same day as the due date for any other card company and have excellent payment history but Synchrony has been an absolute nightmare. I have called customer service and asked for a supervisor to which I was told I would receive a call back and then another time told I would receive a correspondence in the mail. Neither happened. If the choice comes to Synchony bank vs another AVOID AVOID AVOID. This return payment issue feels like a scam to get more money out of its customers from late fees and is highly unethical.
8 months ago
J.P. Rutledge Elgin, TX
It is nearly IMPOSSIBLE to get a straight answer from their email support. Most of their responses appeared to be copy-paste responses quilted together in an attempt to provide a qualified reply. Nothing gained from any of my interactions from them and each response came from a different agent that would often contradict the response of a previous agent. Eventually they provided a phone support number to call. It kept trying to offer my pre-recorded "solutions" and refused to allow me to talk to a live agent until it ran through all their other offered options. The automated phone support line was horrid until I eventually got to the phone agent who was able to discuss and understand my issue.
8 months ago
Shelly Douglasville, GA
I’m nearly 70 and only my Social Security to depend on. I am in poor health with heart disease, osteoporosis etc. Without notice, they cancelled 2 zero balance credit cards. One card I used in case my car broke down and one for my dog and cats vets. I was never late with payments and had paid off over a year ago. I only kept them for emergencies. Then, yesterday, they took away my available credit of over $5,000 and closed my Lowe’s Credit Card. Never a late payment and, again only used if an appliance broke down or my mobile home needed repair material.
Now here I am, totally alone and without transportation because my car broke down in May and Synchrony had closed the account so I can’t afford the nearly $1500 to fix it. My 14 year old dog suddenly became ill and I had no way to get to the vets nor money to pay the vet since they had cancelled that card also in May. My little dog died this September. Please don’t say I should have called Uber because I don’t have the cash or know how for that. They are so heartless and never once reached out to me about anything. I could understand if I missed payments or something, but nothing could be further from the truth.
Thanks Synchrony for probably ending my life prematurely because I’m anxious and panicked about my future.
8 months ago
