Synchrony Bank
Is This Your Business?1.1
3.2
Overall Score
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B Lind
I had a relationship with them until today when they declined payment for my son's shoes through the Amazon store card. For 3 years years I have been set up on auto payment and paid the statement balance on the due date of each month for 3 years. Short story, they decreased my credit limit by $1300 when my over credit utilization is 30% and FICO just over 700. I don't understand. They kept on asking if I received the letter that we sent out yesterday..I laughed and said no..why don't you tell me what is says. Well, we will have to send you back to Customer Service. By that point I was fuming still left with no explanation. I closed the account today and will use AMEX for purchases on Amazon. Do not do business with this bank....you are only just a number
7 months ago
Pat
This company is trying to single handedly ruin ny credit. I HAVE NEVER BEEN LATE ON ANY CREDIT CARD PAYMENT WITH ANYONE. I pay my bills the minute the statement comes out. They reduced my credit card twice on my Walgreens account. Now they closed my TJ Max card which had a zero balance anyway. We should not be given credit point decreases based on this bank. It's ridiculous. I could see if I was even a day late on any bill but I'm not. Three times now they have reduced my lines or closed my account for absolutely no reason. I would not trust them. If your smart don't use them for credit. They make a point of trying to hurt your credit. And now it sours me about even shopping at any of the stores they support for credit. I really wish the credit bureaus would look into what they are doing to people who PAY THEIR BILLS.
7 months ago
Kevin Lexington, SC
I came on here just to see if other people were experiencing the same problems that I am having with this terrible Bank. My account is tied with Amazon and since I didn't know what one charge was for I called Amazon and Amazon told me to call the bank they will know. I called the bank oh sir that payment is still pending it might take 5 to 7 business days for it to go out of pending and we won't know what the charge is for until after it stops pending. I'm ready to pull the rest of my hair out, Amazon doesn't know what this charge is for these people don't know does anybody have a clue between Amazon and synchrony Bank? By all means if you're reading this review and you're thinking about getting an Amazon store card, think again it's not worth the headaches you're going to enjoy!
7 months ago Edited October 6, 2023
Mark Juvert Atlanta, GA
I created Synchrony Bank Card to use with my Amazon Prime. Paid all my bills in time. After two years they requested for Social Security Information verification. I filled in the form with my last 4 digits and sent, they rejected it saying they want me to mail my full social security. After speaking with them on phone they sent another form. I filled it with my full Social Security even though i didn't want to as this is a Security Issue. However, after one week, my account was closed. Call them and they say that I failed to send my Social Security. Currently have a picture of the paper i filled and send to them via mail.
Closing my account is not my issue here even though it's frustrating, the fact they will ask you to send your personal details via a mail including all your names in full plus your social security number is not right. What if the mail got stolen or your information fall in the hand of a bad actor? I think they need to address this as they put everyone's personal information at risk.
upon the several cards I have, non have ever ever ask me for this. Plus the customer service i spoke to were very unprofessional.
At the time of creation, you must enter your social security number to verify your information. Why wouldn't they be able to verify your account with the last four digits.
They deserve 0 star.
- Bad services
- Security Risk
- Bad customer services
7 months ago
Jeremiah Warmbier
In the past year I have applied for credit cards at Sweerwater, Musicians Friend, & Venmo; each time I was denied. They send me the report why I was denied, and list reason that are not associated with my flawless credit history that is 18 years old; yes they said I didn't have sufficient credit history. They told me credit score was 535, while in fact is in the 780s. It is okay though, the same day the denied, capital one approved me for Venture X card with $40,000 limit....So clearly this bank is extremely incompetent. Avoid at all cost. If you're a business looking to use them for financing don't, they will deny qualified customers purchases and you will lose out on that sale.
7 months ago
apt910
Not a Serious Bank
I underwent a significant ordeal involving this institution. Following this encounter, I reached the conclusion that Synchrony operates on a much lower tier compared to established traditional banks and is not equipped to compete at the same caliber. Regrettably, I made an error by placing a substantial sum of money into their High Yield Savings account. In a matter of months, they made a series of mistakes to the extent that I had to involve the authorities to reclaim my funds. Instances of lost transactions, frozen accounts, and a refusal to deliver services seemed to be commonplace there. I consider myself lucky that I managed to recover the entire initial investment. These individuals are either completely uninformed, engaged in dishonest practices, or possibly both. I strongly advise you to do yourself a favor and steer clear of them.
7 months ago
Marla Venice, FL
Terrible company. I have a Lowes card and JC Penney's card with them. Good standing. I had a 3700.00 credit line that they reduced to 750.00. My Penneys account had a 2000 credit line. I made a 120.00 purchase on my Penney's account. I went in to pay the balance and they had reduced my credit line to 10.00 over the 120.00. No letter, no notice and I have had the account for years. Lowes they did the same thing. I had Hurricane damage and apparently use Trans Union to see what you are doing with other cards. Never late on anything and all I can surmise is that they did not like my Visa had a higher balance. They could care less about their customers and have no common sense when it comes to looking at a persons history with them. Whenever I am in Lowes, Penney's or any other store that has them trying to sign people up for credit I am very vocal to not get involved with this company. I will never sign up with them and urge people to push for an investigation of their financial practices. Believe they used to be GE Credit which had gotten into a lot of trouble for their practices. Really terrible company.
7 months ago
Nine Milli Dracut, MA
Two separate accounts, 3 years apart, closed suddenly. The last one, a Care Credit Card, had 0 ZERO balance. I owed them NOTHING. They looked at unassociated credit cards of mine that always had payments on time, and never delinquent. I am currently fighting a pituitary tumor, and these kind people just closed it because my debt fighting this trauma went up slightly. Again, I owed them NOTHING. Has my account for 7 years. They just closed it, didn't talk to me or anything. Now I'm fighting a brain tumor and my credit score dropping because my available credit has gone down because these crooks like to screw people over. No sympathy, no communication, not a care in the world. Be warned.
7 months ago
Michael Wood Rio Rancho, NM
Absolutely horrible company! I made payments on time that were double, or triple the amount due and they canceled my account due to my credit score, not based upon my relationship with them.
Which by the way reduced my credit score even further.
Better yet, totally soured my relationship with the company that the card was for. I no longer make my larger purchases with the business that offered me the Synchrony-based credit card but now shop elsewhere.
If you are a person looking for a card, look elsewhere.
If you are a business looking to add a credit option to boost your sales, this company will only piss off your customers.
Buyer Beware! Shop elsewhere!
8 months ago
Me Wichita, KS
If I could give them a 00000! I would! They closed every account they ever gave me! I have never been late not one time on any account. I have student loans. And because of the irresponsibility of the people that I go through. My student got some paperwork but didn't tell me they couldn't read it. They marked my student loan as a late payment. I finally got that taking care of it it was removed from my credit report. It was their fault not mine. That dropped my credit score A huge amount. Synchrony close my accounts. They started Started by dropping all of them almost to a one hundred dollar credit limit. Then they just start closing them even though I had never been Late. When they close the account When they close the accounts it lowered my Credit score more. This is awful service I would not recommend them to anyone at all they don't Care about customers who make on time payments at all. They based it off of what they think they They see or no on your credit report. Like I said mine was a mistake it was Not even my fault. Now I have to work hard again to get my credit score back up. If you can avoid getting them please do they have Horrible service and I have customers who have said the same thing. They deserve to have zeros For reviews. I have never in my life been so humiliated by a company.
8 months ago
noneya Butler, PA
Is there a 0 rating?
I wouldn't use Sam's credit until they discontinue affiliation with synchrony bank or any sister financial establishments associated with synchrony bank.
I had to deal with this bank through my Sam's account. I have had nothing beneficial result from this bank. In a time when the economy is in turmoil they decide to review and take their credit limit to 100 from the 275 it was reduced to before. A regular payment and years off membership along with a balance of approx 30 dollars presently warranted the need to check my "credit worthiness" and assess I'm such a risk that reducing to a 100 dollars should perfect them. I do not recommend this bank for anyone, and as a result I wouldn't use Sam's credit until they discontinue affiliation with synchrony bank or any sister financial establishments associated with synchrony bank.
8 months ago
Kimberly
Closing accounts that are in good standing is absolutely stupid. I won’t ever do business with this bank again. I paid them off early and I never missed a single payment. They lowered my line of credit TWICE for no reason. Then I just was notified my account is closed. I guess they’re mad they didn’t make interest. Delusional bank and they won’t have customers to keep their business. They’ve done this to MILLIONS of Americans. This is absolutely disgusting and they think it’s funny…. We’ll see how funny it is when you go under. DO NOT EVER DO BUSINESS WITH THEM UNLESS YOU WANT YOUR CREDIT DAMAGED FOR FUN!!! They are a scam and what they’re doing to people is unethical and they will regret these decisions. Also I have several other cards and I’ve never experienced anything like this. Good luck to any and everyone who thinks paying these people will get you a good report on your credit…. It won’t, they’ll just take your money and maliciously damage your credit because they can. Oh and I don’t have property so I guess that makes me high risk. Delusional. High risk for paying my bills on time and in full. I’m absolutely livid and disgusted.
8 months ago
Maxwell Horne Mosinee, WI
As a real estate investor I've worked with so many banks, and this is by far the worst one! It's like pulling teeth to get anything to actually be communicated or executed. They basically held for ransom a trivial amount of inheritance I had received from my grandmother passing away, and it took no less than 13 hours of cumulative time on the phone, on hold (expect that a lot) and filling out forms, refilling out forms. All to make a basic transfer of $6k from two very trusting parties, my aunt and I. I eventually gave up but my aunt persisted. Now I just need to login and transfer it away from Synchrony, wish me luck lol
8 months ago
Crystal Terhune
Please do not use this Bank for anything. I messes up when I was younger and screwed my credit up. I worked really hard to get my credit back in good standings. I got one of their credit cards to make a purchase through Mattress Firm. I'm so regretting that choice!!! I've made every monthly payment since I opened the account. I missed the 6th deadline by one day 10 months ago. I paid that bill on the 7th and even paid the 40 dollar late fee. After that they lowered my available credit. Fine whatever, I didn't plan on using the card again anyways. I had special promotion for no interest until this purchase was paid off. Again every payment was on time before that one day mistake and then every time after that mistake. Yesterday, I get an email stating I had a correspondence from Synchrony. I looked at it and it said they were canceling my card because I did not appear to be credit worthy. I still have a 2k balance! So now this is going to make my utilization super high and my credit that I worked so hard to rebuild is going to take a massive hit! What's the deal? I literally had autopay set up to make the payment 6 days before the due date for 10 months! Are they mad because I wasn't using the card more and they weren't getting interest from me?? Either way!! Don't use them. They are a malicious bank that obviously is trying to keep everyone down. I'm still going to make my payment because I worked too hard not too! But I'm hoping someone else protects themselves from this bank because of this review!!
8 months ago
Bridgette Conway Philadelphia, PA
Never notified/tried contacting me regarding interest charges to my account, yet attempted contacting me non-stop via texts, calls, and emails every single day after the interest charges were posted to my account to collect the money. Terrible customer service and automated speak as I was called (for collecting the interest charges) and nothing on the recording disclosed who was calling. The live representative answered the phone only saying “hello?” and did not identify themselves/their company so I thought it was a scam initially. I immediately paid the whole balance, including the $2000+ of interest charges they put on my account (with zero notice), and closed my account the following day once the money transferred. Shady, deplorable company. 0/5 stars. Would never recommend.
8 months ago
Pamla Cobbs Frisco, TX
Synchrony Card Security program is a scam. I discovered after stopping direct payments to Synchrony that I was actually paying their card security program. None of my payments went against the actual loan. When I lost my job, I tried to get the Card Security to assist. I filled out a application and then denied it, stating that I resigned from my job. The card holder told me that I had a option to stop the card security and ask for a refund. Because they made two payments on my behalf they declined to give me a refund for the 3 years that I paid into the program. I was not told that they would make the 2 payments while the application was being processed, nor was I told that it would void my ability to get a refund if it was declined. I'm paying this loan at 26% interest.
8 months ago
Big Ed Raleigh, NC
If I could give this institution 0 stars I Would, This bank is HORRIBLE, I went too a dental office in Raleigh NC they offered Care credit aka synchrony Bank as a way to pay, what a mistake outrageous interest rates after eleven months of on time payments and never a late payment as a matter of fact I would pay double or three times the minimum payment due ….. I received a credit alert that my credit limit was lowered which took my credit usage with synchrony Bank from 27% usage to 98% credit usage with this account. Therefore I called them and after several attempts I was able to reach a live person and I asked for an explanation her reason was that care credit aka synchrony Bank is not the ones that lowered my credit limit she told me an outright Lie that the credit bureau did this, after several minutes of going back and forth I was told that she would review my account and be back in touch with me as expected I have yet to hear back from this HORRIBLE institution …..A bit of sound advice “Stay as far away from Care Credit aka synchrony Bank as possible . Needles to say I will never do business with them again, and I warn all of my family,friends, and even strangers to stay away from this financial institution…..
EJ
Raleigh,NC
8 months ago
Lynne Porcell Austin, TX
Lynne P - Austin, Texas
I bought a Samsung dishwasher from Lowe’s in Austin, Texas, 8000 Shoal Creek Boulevard, November 5th, 2021, and paid it off within a little over a year but having a 2-year interest free loan. April 3rd of 2022, I bought a Samsung Refrigerator with a 1-year extended interest free loan. However, on April 7th [4 days later], Lowe’s came out with a new promotion that any appliance bought over $2,000.00 could have a 2-year interest free loan. So, I went back to the store and returned the first refrigerator and bought it again under the 2-year interest free loan. I never had any delivery of the refrigerator, so it seems I was within my rights to bring it back and buy it again. The salespeople had no problem with that transaction.
The wording on the right side of every bill I received during the period till I paid off the loan early since I was being hounded for no reason, showing once again that I had 2 – LET ME REPEAT THAT 2 – different interest free loans.
You already robbed me of $142.34 because I did not notice that you added to my May 2023 Balance $142.34 cents because I never had a credit card company just randomly add money. I did not question the balance the next month when I should have with the way you operate your company. I did not buy anything at all on any of the monthly bills that I received over the last 2 years of paying off my dishwasher and refrigerator.
I have enclosed a June 15th Payment Due Note. I get repeated calls every day from Lowe’s. I have no intention of paying you a red cent. In fact, you need to send me back the $142.34 cents that you charged me already for no reason.
I was anticipating buying a stove and microwave to finish off my kitchen but unless this is settled, I will not be coming to Lowe’s. And if you have no desire to settle a problem with a person who has good credit, that is up to you. Maybe you think robbing everyday people and overcharging them is a game. IT IS NOT!
I was appalled when I started reading on the internet how Lowe’s and Synchrony Bank absolutely robs the public.
8 months ago
gdeh
They have been golden for me. Paypal mastercard is my daily driver, Amazon credit card, High yield savings account, and a CD.
I pay the cards in full every month. Never carry a balance. So far never had an issue.
9 months ago
NJGut Crofton, MD
On our travels to Morocco and Portugal in late April - Early May we encountered problems using our ATM Card from Synchrony Bank. Although it is on the Visa Plus Network it wouldn't work at ANY major Moroccan Bank ATM machine in any location we tried. In addition, In Portugal we couldn't get it to work on ANY major bank machine in the Multibanco network. Only the onerously expensive (13% comission) Euronet machines would work. Multiple and expensive calls to Synchrony Bank support did NOT result in any helpful answers. The card was validated as working by Synchrony support. My advise is to not rely on Synchrony Bank for international travel support
10 months ago
Vicki G Franklin, IN
Looks like the negative reviews didn't read the info on their credit card statement re: interest charged during a free interest period! I've used Snchrony Bank many times for interest free products and had no issues. Recently opened a CD and Andy was pleasant to work with.
1 year ago
Randie S. Edmond, OK
Opened this card in June 2021 as my dog was going to sleep furever. The promotion says 0% interest if paid in full by 6 months (12/2021). Cool. Charged vet fees, no problem. Charged cremation costs, no problem. Took my total balance and divided by 6 since I knew that would be my balance. Made a payment that day, before my first billing cycle even ended. This technically makes me "one month" ahead on payments, right? I'm making a payment before the cycle ends each time. Last month, I got my statement which had a $29 late fee. What? They said it was because I didn't make my payment on time. They said I made it on the "due by" date, but not by whatever Eastern time deadline (I'm in Central). Actually, I did, and I have the email confirmations and screenshots to prove it. I made it in the middle of the day but it didn't post as processing until the next day. Went through the automated service which said they would do a one time refund but make sure I make the next payment on time to avoid the fee. I had no idea!🙄 I verified via a confirmation # from live csr about the $29 so we will see what my next statement says. Kind of makes me dread what December might look like. I will update if the statement goes wrong again or if December is crap, but right now I'm just neutral. Even though I was refunded money I didn't owe, I was still put down by an automated system treating me like a child. If all goes well, I will give deserved stars back.
2 years ago
Audrey Jane Budzynski Carbondale, CO
The first time I even heard of Synchrony Bank -- we bought a Bed from a Mattress Business in Glenwood Springs. Oh it was great until they got to the point where you could send your payment in time and they would never get it in time and would start adding more charges on to your account. Then we went to Lowes, same thing Synchrony Bank on every thing at Lowes. Then I went to Sam's Club and had no idea that they had taken over Sam's Club. Just got a call about Synchrony Bank on the phone and found out that they not only had the wrong name, the Bill I was sent was returned by the Post Office and of course there were interest fees. Good Grief is the the Bank of the Future? So my advice don't charge anything to any place unless you know what Bank they are using. This Synchrony Bank has taken over everything. I have been a Traveling Notary and my advice don't do business through them as you get the same person Who doesn't speak good English. I almost Crapped when I heard this same lady say I am calling about your missing a payment from Synchrony Bank for shopping at Sam's Club. I had no idea. Won't use that card any more, sticking to Discover Card. Same Lady gets on there and says the Bill came back to our Company. I have been here for 55 years in the same location, if it came back you had to have something wrong with the address. It was in a Name from a Previous Marriage. I hate that name . They want you to pay over the phone. They want you to send the Bill back the same day as you get it so if it takes the mail awhile they don't care they just don't care about the mail. Well I do care about the mail and when you get my payment you can see the post marked date. So stop acting like your going to keep adding more money on to the Bill..... I can't help it. I do not pay on line for anything except the Discover Card.
5 years ago
Brea Tanae
The payment amount changes every month my payments was $67 a month but some how it’s $97 and no it’s not a late charge cause the late charge is $41 . On top of it all they don’t speak English well!
3 months ago
Mark DeGrande Saint Charles, MO
God awful customer service. They claim if your credit card gets stolen , there is zero liability, that is a LIE, they made me pay the stolen transaction fees and put it against my credit report until I paid the bill
3 months ago
brett clarkson Stuarts Draft, VA
LeAnn was very rude made the experience of my mom's passing a terrible experience .I spent 5 hours jumping through hoops .then LeAnn said they were wrong the check was being sent . Then she called from a private Kansas number late in the evening asking me to verify me .bottom line the bank is keeping my mom's money beware
4 months ago Edited December 13, 2023
Paulina Rueda Watertown, MA
They are the kings of being sketchy and fraudulent practices to charge as many "late fees", "fee/fa feees", "just cause we want to fees".. EVERY time Ive purchased something that requires synchrony bank I have issues w them... AVOID THEM AT ALL COSTS!
4 months ago
Danisha Lee Atlanta, GA
I started with a $650 limit. The account has been paid on time since having it. Later I recieved a letter saying that the account limit was dropped to $240. I've decided that this is not a card worth having. I'm paying out ASAP and closing it out.
5 months ago
Pam Hawthorne, CA
Synchrony bank lowered my credit on my cards because I had one late payment on one acct. the other accounts were in good standings causing my credit score to drop. They also closed an acct without my knowledge. DO NOT USE THEM.
5 months ago
Karla Avila Chicago, IL
I have four credit cards with synchrony bank zero balance on three of them. Despite that and having a good credit score. They have decreased my credit limit on all 3 cards without notice. Of course this brought down my credit score some. Thankfully, I don’t have a large balance with them . They are notoriously awful.
5 months ago
chris Tedder Wilson, NC
If I could go lower than one star I would, beware they will lower credit limits and cancel cards for no reason, therefore while maintaining a excellent payment history, it’s bumps ones credit score to hell. NOT RECOMMENDED AT ALL ! GET A REAL CREDIT CARD IF POSSIBLE, WITH A REPUTABLE BANK.
5 months ago
Rick Dougan Benton, AR
I paid all of my payments on my Synchrony Care credit credit card early every month. I paid my July payment that was due on 7/19 on 7/5 2023. I paid my August payment early on 7/27. I then paid my September payment early on August 28th. Synchrony Bank charged me a late payment fee and a non payment fee which they did waive one fee but would not waive the other even though they agreed that I did not miss or make a late payment. I'm very unhappy with Synchrony Bank customer service!
6 months ago
Noah S New York, NY
I asked for my statements to be sent to me since they weren't accessible online. After the wrong statements were sent, I had to call in SIX times to ask for access. Four times, the customer representative hung up on me. One supervisor promised that I would have the statements in 24-48 hours. After three days, they told me I would get them by 5pm. At 7pm, they told me I would not get them and hung up on me. I still haven't gotten what I need. If I could give 0 stars I would. Don't bank with this company if you want a bank that you can trust and that respects you.
6 months ago
Paula Kirby
This has been the worst Credit Agency I've ever dealt with. Consistently lowering and/or closing accounts that are in good standing, due to elevated credit use on other accounts.
News Flash Synchrony! We sometimes have to rely on our credit accounts when going thru temporary financial issues! When needed the most, they closed accounts and lowered limits to a fraction of nothing! Will never recommend nor patronage this company again.. I gave them a 1 only because "0" is not available. Rude Cust Serv Reps as well.
6 months ago
Sunny Blaine LA
I had a loan for a flute to pay in equal payments to pay for 36 payments. If the loan was paid off within a particular date there would be no interest. Well I paid on time each month and paid off the loan with date agreed upon. They have now added around $250 on interest for “fraud” protection which was for around $350 which I never signed up for. I got them to drop the $350 but they are still charging me $250 plus interest on this interest. I will never use Synchony Bank again.
6 months ago Edited October 2, 2023
Dee569 Rockmart, GA
They will cancel cards even if you made payments on time, AND EVEN AHEAD OF TIME!
So my credit score dropped for a time and so one of their products, the car care card, they closed and an Amazon card that they do they severely lowered the limit rendering the card useless in my case.
Remember while my credit score had went down, I had never missed paying them on time and the full amount due.
So they didn't do good business with me, as I kept my end of the deal but they didn't keep their end.
I strongly suggest that you find a better more understanding company.
Shalom.
6 months ago
Barsha Pun
Very disappointed with this bank. Never ever I had this kind of ridiculous experience in any other bank with ridiculous promotion. When I applied for the card they said it’s 0% interest for 12 months. Nobody literally nobody inform me they will charged whole bunch of year interest in the next year. When I called them they said “they can’t do anything now since it’s been months”. For god sake please do not involved with this bank. I rate them 0 star. Worst worst worst bank and experience.
7 months ago
Kelli Belsches Huntersville, NC
I will never do business with this company again. I have four accounts with them. I forgot about a payment on one account but the other three were in good standing. They lowered the credit limit on all four accounts although three of them were in good standing. This action increased my credit utilization because they lowered my credit limit on all accounts and my credit score suffered.
7 months ago
Morgan Murphy Newbern, TN
I have always made my payment early and paid more than my minimum payment. I was never told that I couldn’t make a payment in advance. So apparently I paid it too early and they put it down that my payment was late and put a late charge on my account. They refused to remove the late fee and now I have a late payment on my credit. I will never use this company again! I only used them because I bought furniture from Ashley Furniture and this is the finance company they used.
7 months ago
Dahn Stackalis Greer, SC
In June I was trying to get my sister some dentures through Aspen Dental.. I was approved for the cost with a Care Credit card.. The dental office didn’t do all the work I was charged for and said they would contact Care Credit to take $1400.00 off the cost.. When it didn’t happen I opened a dispute for the $. 1400.00 to be taken off the original cost of $4135.50 .. Well Synchrony being the low class uneducated financial institution they are told Aspen I was disputing $2700.00 of the cost.. Well go figure I have to pay the entire $4135.50..
PLEASE SHUT THIS FRAUDULENT BUSINESS DOWN!!
7 months ago
Juanice Alexander Jacksonville, TX
I will never do business with this bank again!! I have been unsuccessful at logging into my online account which caused me to be late on my credit cards. Then they started closing my accounts after I had repeatedly reported the website error notification. Most of my cards with them are paperless statements and I had no way of knowing where to send a payment or any other way to log in. When I tried to log in on each credit card site it said I entered the wrong information. Now my credit that I was rebuilding is bad again. Thanks for nothing Synchrony Bank
7 months ago
BILLY GRHAM Miami, FL
Dear Fellow Citizens,
I previously held one account with this charlatan and they gave us a 7500 credit line in Ashleys manager approval on the sales floor and we spent 4500. As we got to 3600 to pay off the interest they hit me with a 3000 interest charge. Dust in the wind I have paypal and pay on time and I logged in now and it says account closed. No explaination other than they are an illegal banking entity that engages in bad faith predatory lending and bait-and-switch tactics in order to write off customer junk debt. Waiting for this case to hit some fancy lawyers desk.
7 months ago
Dale B. Hollywood, FL
Worst Bank Ever!! Close my care care card right in the middle of my progressive insurance payment. Almost made me lose my car as a result of their stupid tactics they do to people. Well guess what, now you can POUND SAND for the remaining payments too. I'll give you notice about paying the same way you notified me on closing the card, after you took my payment for the insurance. Really
7 months ago Edited September 12, 2023
Angel Aguirre
I made a large payment because this bank is messing with my card utilization. Almost 2 weeks later they still have my funds on hold because it was a large payment. I was told they would report it on the 29th, and you guessed it. They still haven't processed it. I was told now that an additional 2 days later that they would finally process it and report it to the credit department. Never again will I use them. They will report usage almost the same day, but will take their sweet time to update your usage.
7 months ago
Leslie Cavalie Manchester, TN
Had a loan for 2 months, made 2 payments already and today I was going to make the 3rd payment but showed as late and with a $30 late fee. I was not late; I have been paying one month ahead. However, according to the lady on the phone, if I make a payment before the statement is issued the payment does not count towards that month but counts towards the month before, so they are counting 2 payments in the first month and no payment for the second month and charging a $30 fee. Never have I been charged a fee for paying early or before my statement was issued.
Ridiculous!
7 months ago
Main Account Cleveland, OH
The customer service department is absolutely terrible! Long long waits on the phone. Representatives are not knowledgeable, have gotten different answers to the same question. If I didn't have a Sam's Club account I would never use this bank. Terrible, terrible, terrible and I never write reviews. Have wasted so much time trying to deal with them on mistakes they made.
8 months ago
valiant200 Oakland, CA
i’ve had have a savings account with Synchrony for a couple years. everything has been in order and no issues. interest rate is top notch.
8 months ago
Patrick Veilleux Minneapolis, MN
Do not do business with this bank! They have closed 4 of my accounts with them for no good reason. This lowers you credit score dramatically and when you need credit this is not a good thing. I paid all my bills on time and this did this to me. What a joke of a bank and hope they go out of business. I hope karma bits them in the butt for doing this to loyal customers.
8 months ago
Auti Morgan Portland, OR
Don't bother opening an a card with them. We had 3, paid all in time and even early. They closed 2 of them and reduced the availability by half on the other one. This was all at different times. It always said it was because my score dropped. plus the drop in scores were very small and very temporary. Them closing it made it go down . I paid them on time and they punish you by dropping your score. And that drop was much bigger and harder to recover from
8 months ago
Review Source
David Cruz Woodstock, VA
I had a Heart Attack and took a cut in pay which landed me behind in several bills. Synchrony bank hired Tenaglia and Hunt to take me to court. They asked why I fell behind I told them I had a heart attack and that did not help the situation at all. They still didn't want to work with me. Stay away from this bank. Also their late fee is the same as their monthly payment. This bank practices in predatory lending.
8 months ago
