Synchrony Bank
Is This Your Business?1.1
3.3
Overall Score
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G R
The ability to use Care Credit is wonderful; however, the app and site are poorly designed. Often the wrong amounts are showing in fro-downs and the ability to change autopay is not apparent. I requested that Customer Service inform the technical team of the various areas where information is not updated; they offered to transfer me to that group. It is not my responsibility to do their job.
9 months ago
Hazeleyes Green Grey
I paid my accounts on time every month and they cancelled all my cards for no reason All 10 never late. I been a great customer since I had my cards.
1 month 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.
2 years 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
Rene Alvarez
This Bank Closed my credit card account without notice and without missing a payment. The reason why: I had a payment set to be withdrawn from a checking account that I stop used, but I still was paying my entire monthly expended money. They do not appreciate customers business.
4 months ago
a p
Customer service people are rude and unhelpful. Management does not care. I filed a complaint via the BBB and they haven't even bothered to respond. Clearly the customer service people know there is no accountability and act like it.
4 months ago
Keeley Jennings Odenton, MD
I suggest using a more reliable creditor. They will cancel your card abruptly and tank your credit with no remorse because you were behind on payments twice. Also don't get a sams club credit card just go though someone else.
4 months ago
Gabriela CHULFAIAN Wilmington, DE
Their on line CDs offer good rate but then dont give fair warning of renewal and the website overly complicated and customer service from foreign call center nonexistant then . When you ask for manager they put you on hold unitil you eventually hang up. Their game is to force you to pay withdrawal penalty to get your money out. Beyyer BEWARE
4 months ago
Jennifer H. Houston, TX
I have a big complaint with Synchrony. After paying off a Crate & Barrel bill I got another charge for $1399 and NO ONE at the bank can tell me what it is for. So the inaccurate billing is one issue and the HORRIBLE customer service is another.
4 months ago
Terry Harden Costa Mesa, CA
I would leave Zero. I agreed to sign up for a trade credit card with Crate and Barrel. Was the wrong thing to do. Incorrect statements and when I made Schedule Payments they didn't work on the date schedule! (Too Many Times!). Stay away....Far Away unless you want a head ache.
5 months ago
SarxBot Ontario, NY
ZERO stars. This place has worked me over too many times and they don't care. They allowed a business to charge me 3x over and made my life a living hell. Not to mention the fact they are pushing for APR over 40%! Stay away from Synchrony and the creeps making money scamming the people.
5 months ago
DiamondParkCBLEE Lawrenceville, GA
The worse creditor ever!!! Do not obtain any type of credit card from this company. They will screw your credit up by lowering your limit to your utilization and have you maxed out for no reason at all. Closing my account with them and will NEVER EVER use them again! Deuces
5 months ago
Helena Mire Dallas, GA
I made a mistake by opening an account with this bank since they do not have any physical locations; I am obliged to talk to their customer service supervisor. Instead of listening to the concerns I called about, she seemed more interested in listening to herself talk, as if she had more issues to resolve than I did.
5 months ago
carla North Brunswick, NJ
Horrible experience with this banks credit card. 2 hours to apply their app stinks customer service is not good I called and got hung up on. Seriously 15 years ago we used them no issues this time asking for photos and videos then taking you back to start due to their systems doesn't work well!!!!!!!!!!!!!!!!!!!!!!!!!!! HORRIBLE.
5 months ago
Becky Morris Perrysburg, OH
They lower my credit limit constantly! I make payments so then they lower it to my utilization. Amazon Synchrony has done this once and Synchrony Mastercard has done this twice! So it drastically increases my debt to income which makes my credit look worse!
5 months ago
Lillian Pardo FL
I was sued by GE money for a account that was over 12 years old
The attorney that sued me never provided proof that I owed the money
I will not do any business with your company again
This company will not make another dime from me
5 months ago
Morgan DeKnight
I was forced to over pay by nearly $1,000 and after several weeks on the phone and many promises that a refund check was on the way, they never sent it. Worst banking institution on the planet. Owner is a thief and should be shot. Terrible company
5 months ago
Darrell Schultz Phoenix, AZ
Do not use their banking, nor get a loan through them. The customer service is horrible, also not the best people to talk to and are not helpful at all. Plus I've been trying to pay off a loan that I did with them for dental work and have not once been able to pay on time due to the fact their auto-pay doesn't work and have been charged 200 dollars so far for something that wasn't my fault to begin. Use a different bank if you can, it will safe a lot of hardack
6 months ago
Cassie Smith Portland, OR
Run! Run far away from using this bank. We purchased furniture almost 6 months go with Mor and they put us in the wrong payment plan. It has been a literal nightmare. Even after we showed them that we were supposed to be in a longer agreement, it has been 3 months and this still hasn't been resolved and now I have a notice on my credit that I'm 30 days past even though we have made the monthly payment we were first originally told.
6 months ago
Alicia Wichita, KS
The worst bank I've ever had credit with. Closes your account for no reason when your bill is paid on time. Decreases your credit limits when you've been paying on time. They make no sense, once my accounts are paid in full I will be closing them all even if it hurts my credit and will never apply for credit or bank with them ever again in my life. Id give this company negative 5 stars if I could. Please bank/credit with anyone else but them.
6 months ago
D L Carlsbad, CA
Just trying to open a new CD account so far has taken a half day and still not done. Now I have to wait for them to approve me to open an account. Seriously, they are the ones who need approval, and they are failing miserably. Now I'm supposed to receive it by snail mail for their approval! Another week or so while rates go down. The worst bank I've ever dealt with by far.
6 months ago
Shilpa I CO
Purchased a Synchrony Home credit card on 11/2022. This was the first time for me to know how this works. I thought in 12 month the amount paid to buy furniture would be paid and autopayment also gets cancelled automatically. In Jan 2024, got to know Synchrony has charged 613$ interest on my account as the full amount in 12 month was not paid. I called the customer care to explain the situation and was the first timer , they did not wave off the amount. Very poor experience with Synchrony. Immediately paid the amount and closed the credit card.
6 months ago
Candi Thomas Chicago, IL
Customer service is terrible once I pay off my credit card I will be closing my account and never again dealing with Synchrony bank. I’ve only called in twice and both times the representative yelled at me and I literally had to go off. English is not their native tongue so basicallly there’s a communication barrier and since they don’t understand what I’m saying they just yell Judging from these reviews I see I’m not the only one that had a terrible experience. NEVER AGAIN!!!!
6 months ago
Gwen L. Killeen, TX
I was never late on my payments and always paid more than they amount due every month, and they took my unused credit away after I cancelled a Credit Security Program charge that I found on my bill every month. They were literally charging me $65.00 a month for whatever that Security Program was. I had no idea. I kept wondering why only a few dollars of my payment was being applied to my credit. I am so angry with this company. I have been a loyal customer for years and thats the crap they did. Run, don't walk from this company. They do not have the customers best interest at heart.
6 months ago
Scott smokeytaz Dorn Augusta, GA
This "bank" is absolutely horrible, they will reduce your credit limit,Even when you have not missed a payment. When y'all reduce ones credit limit y'all make that person look bad and hurts credit rating. I'll not ever use synchrony when I pay those idiots off. Lower a good standing customers credit is a great way to lose a Paying customer.
I hope this bs bank folds and goes under!!!
Oh yeah why are yall checking my credit report With Out my permission?
I did not authorize it!!
7 months ago
Mick Syed Conroe, TX
Worst customer service ever. I made the payment on a new account too early and scheduled the recurring payment from my bank on a monthly basis.
Their system ignored that first payment and charged me a later for all payments there after! I only realized this when I received a past due notice in mail for a payment that was scheduled.
Customer service was of no help stating there is nothing they could do about the situation, it is just the way their system works.
8 months ago
Chad Marusak Bedford, TX
My payments have been made timely for over 1.5 yrs, I am ahead two months on payments, they closed my account and for three months have been reporting negative remarks (SINCE /8/2023)or showing late payments even though I am two months ahead EVEN ON THEIR RECORDS per their customer service , I had auto pay and they still hit my acct many months showing that I made 2-3 payments a month 14 payments in 9 months) on my bank statements, this place is far from correct in any business practice and is very shady!!!. DONT WASTE YOUR TIME
8 months ago
M Criss North Olmsted, OH
Synchrony Bank recently closed 3 of my accounts with them
and this decision was completely unwarranted. I had two
Guitar Center cards and one Levin Furniture card. I found
out about this through a push notification with Credit Karma.
I am more so concerned about the Levin account. I called
into customer service and the first representative I spoke
with was extremely rude. He told me a letter was sent to me
and he read the text of that letter. He eventually hung up on
me. The reasons for my closure is completely bogus. I
understand I agreed to their terms and conditions upon
opening the account, but that doesn't mean I can't dispute
their decision. I called back in and spoke with a friendly rep
who transferred me to a supervisor. The supervisor told me
it is impossible to reinstate my account, although reading
some of the other complaints here it seems they did
reinstate other accounts for people. She gave me the
corporate address to which I mailed a letter. I also filed a
complaint through the chat system on their website. They
sent me an email a few days letter with another letter that
basically said the same thing as the first one. It was a do not
reply email address so I couldn't send a response back. I
have made every single payment on time for all 3 accounts
that were closed, I had these accounts for years! It's no
wonder why these guys have a 1.9 BBB rating. Closing your
customers' accounts for bogus reasons is terrible customer
service. I will consider my complaint resolved when all 3 of
my closed accounts are re-opened. Until then, I will
continue mailing letters and filing complaints with customer
service.
9 months ago
Cuban Queen Fort Lauderdale, FL
I just recently received an email that they would be lowering my credit line with Amazon. They also lowered my credit line with PayPal which lowered my credit score,because now it seems like I'm using the majority of my credit line. I have never stopped paying my cards and my accounts are in good standing. I realize that they're doing this quite a bit and this makes me feel that I'm not valued as a customer. I will pay them off sooner than later and never use any credit card with Synchrony bank!! They need to take certain things into consideration when dealing with good customers such as myself!!
9 months ago Edited October 24, 2023
Tracy Greer
I will never do business with this company ever again! I have 3 accounts with them. I forgot about a payment on one account but the other three were in good standing and it was paid off then they lowered the credit limit on all three 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. Synchrony got to go! Capital one is the best! Excellent customer service and they never give me a hard time ever. I'm closing synchrony credit cards and be done with them! I would rather to put zero star but there's no option so one star it is!
9 months ago
Michael Bower Okeechobee, FL
Synchrony Bank has the worst customer service of any bank I have ever dealt with. I am remodeling my kitchen and it is a very expensive project. I went through Lowe’s to schedule the orders and labor for installation. I applied for a Lowe’s credit card issued by Synchrony Bank. The credit limit was way less than I needed, so I pulled money from savings and mailed a large check to synchrony bank to cover my entire project. Synchrony applied the payment to my account, then closed my card a few days later, stating in a letter that they through the large payment was an attempt to defraud the bank. What a load of hogwash! I simply wanted to make ONE payment to the card tho cover my whole remodel instead of making multiple payments over and over. Synchrony Bank flipped out as if the concept or situation had never happened before in the history of mankind. I called their customer service multiple times and used the chat feature also many times, but they always said either the check is in the mail or your account will be reviewed tomorrow. It was always tomorrow, not today. I feel disrespected and ignore by this bank. I have explained myself over a dozen times but nobody at the bank cares. It has been over a month now and they still will not release my funds. I even emailed the CEO Brian D but he did not respond personally. A rep from the executive team called me once and left a voicemail, but several attempts for me to reach back via phone have been unsuccessful. Anyone with issues with this bank or any other should file a complaint at the Consumer Financial Protection Bureau website. That agency handles consumer complaints. Synchrony bank email format is first name.lastname at synchronyfinancial.com. It is doubtful anyone will actually try to help you. They really do not care about their customers.
9 months ago Edited October 17, 2023
Dylan Liebhart Shanghai, SH
I have a Lowe's card through Synchrony. We made a purchase of just under $10k for a fence install through Lowe's. The deal was supposed to be a 120 month payment plan of 9.99% interest a month, which would equal out to be about $94/month. Lowe's completely botched the installation process and we ended up not getting our fence until about 4 months after the project was supposed to be finished.
During this time we contacted Synchrony and explained that the fence hadn't been installed and we weren't going to make payments on a purchase that we didn't even have. Synchrony was supposed to dispute the payment, and we were supposed to have no charges or interest until the fence was done.
The fence gets done and Synchrony asks for our first payment, which is now $800 despite our previous agreement. After what seems like a dozen calls to Synchrony, the payment wouldn't get changed. We bit the bullet and paid the $800. The first payment after the $800 charge came due, and Synchrony was now asking for $300 a month.
The first call to Synchrony said that the payment was so high because the interest was now 28%! We were making a minimum payment of 1% of the principal and and 28% interest on the entire purchase.
What didn't make sense to me was that after the $800 fee we had paid over $300 off the principal on the loan. So, how was the payment now $300 when the loan's balance was now lower than the original financed amount? What changed?
I called Synchrony to find out what happened. Turns out, when they disputed the original charge, they removed the ENTIRE purchase from the credit card. This removed the financing option that we had agreed to upon signing the loan. Then, after removing that purchase they put it back on the card as a regular purchase, cancelling out that financing option and assigning us a 28% APR.
I called Synchrony again, and they said that this is fixed and the original financing is now back on the loan. It should take effect within 2-3 billing cycles. So for now the payment is $300 and I just pray that it will go back to normal.
Due to the project installation failures, I'm never setting foot in a Lowe's store again. Due to the financial headache, Synchrony is never getting another dollar from me after this card is paid off.
9 months ago
Judy Puente Las Vegas, NV
I opened a Care Credit account in 2020. I had surgery and was paying it back and have never been late. In September I had a dental emergency and used the card with deferred interest for a year. I wanted to know how that works since I noticed you could not separate payments for the two Care Credit accounts. One person told me that they could not allocate payment and another told me that when I make a payment that it would pay the first of 313 and the 170 would go to the dental and to do it online. So last week I went on line to pay, and the website said that it did not go through try again, so I did and it again said it did not go through so I did it again and it said it did not go through. I called the automated and made a payment on the phone. Then I checked the account and saw that I had several payments processing and called and was told that it had to go through and that once they did they would send me a check for the over payment. I didn't want that much money taken out of my account so I put a stop payment with my bank. Today I took that stop payment off and called Care Credit/Synchrony bank to get a payment allocated and found out that my account is closed. I had never been late, all kinds of notes were in my account from the MANY times I spoke with their reps. The rep told me that it was because of the stop payment. I'm so frustrated. I didn't want to wait for them to mail me a check because the rep told me it takes a while. The closing of the account is automated so there is no reversing. Their website malfunctioned and now I'm penalized. I heard so many different stories on how to deal with my account and trying to make the payments on the two transactions from the reps. They are not consumer friendly and my credit will take a hit because of this situation. I'm so FRUSTRATED!!!
9 months ago
Mark Strecker
I have had several accounts with Synchrony bank, all my experiences have been horrible. They will arbitrarily lower your credit amount or close your account, even if you have been 100% on time, and pay off your account. They claim that Trans Union is reporting that we have too much dept, high balances, and little credit. However the opposite was true with us. We have an 830 Fico Score, our credit report with Trans Union shows we have $100,000 available in revolving available, less then 5% in balances on that credit. They are liars, untrustworthy, the worst bank I have ever worked with in 50 years. DON'T USE THEM!!
9 months ago
jan dance Eagle River, WI
This is by far the worst bank I have ever dealt with. They "lost" a large deposit that was transferred to my High Yield Savings account from another bank. I called Synchrony every day for 5 days and got switched from one inept and rude "customer service" agent to another, including four different managers. The worst one was "John" who literally screamed at me over the phone. I finally had to get two federal banking overseers to step in. They unlocked my account then relocked it one day later so I still can't transfer my remaining money out of there which is all I want. My struggle with Synchrony is still not over. I strongly suspect some internal fraud. If you decide to get involved with Synchrony do two things: Send them a notice Refusing Arbitration or you will lose the ability to participate in a Class Action Lawsuit. This must be done within 45 days op opening your account. The address is buried in their electronic agreement, almost at the end because they don't want you to see it. It is a PO Box in Dallas. The second thing is to take a screen shot daily of your transaction page. Several times I had a deposit credited then disappear and the only proof I had was the screenshot of my account page which included the ACH tracking number. You will need that proof. My best advice is don't get involved in any way with Synchrony Bank and if you are, get out now, whatever it takes. I have a feeling they will be in the news soon, along with Silicon Valley Bank and Signature Bank. This was the worst financial decision of my life. You've been warned...
10 months ago
Extinguisher Graffiti Oklahoma City, OK
9/21/2023 first time getting this card form sams club I bought a washer and dryer for 800 and I set up auto pay so they auto pay took the 29.00 minimum balance which I didn't know I went ahead andpaid 100 plus the 3.95 fee then a week later I got a interest charge for 35 then I called them and told them what was going on I was muted for 20 minutes called them back lady laughed in my face and said she was sorry for her colleague performance then said she would take a look came back said everything was was fine.
Today I looked I have an interest charge and late fee which I don't understand I paid on time and everything the so I called lady name Marie helped me and said I needed to pay 900 due to interest if I only pay the required it's 25-35 on top of what you paid on interest "it's not satisfying the bank" that's what the lady responded who in the life has 900 laying around top of what you already paid. They want the full payment if you pay the minimum it's just to keep the credit card active.
So now I'm out about 1100 stay away these guys are worse then scammers
10 months ago
William Wilson Atlanta, GA
Minimum payment calc is intentionally designed to insure 0% interest promotions aren't paid in time so they can hit you with usury levels of deferred interest. An honesty company would set the minimum to insure the customer pays the full amount before the due date but Synchrony doesn't want you to pay it off on time. That's their whole schtick: Slap people spending $1,000 with nearly $1,000 in deferred interest charges if they don't insure the balance is 0 by the end of the contract term.
It's a great deal for me since I make sure they paid off but people who don't understand are getting screwed when they buy something for 0% interest financed by this bank. This reflects poorly on Lens Crafters, Guitar Center. JC Penney, PayPal Credit, and other's fronting for Synchrony Bank.
10 months ago
Justin Arnold Columbus, OH
I financed Clear Correct retainers (orthodontics) through my dentist and unfortunately they were partnered with this bank. My experiences with this bank have led to general research and discovery of what a lot of you already know. Much of what's already been stated by others is the experience I've had with them as well:
* Technically deficient website and processes that lack acknowledgement of being in the 21st century
* Website is designed to be frustrating and hard to use
* Overcharged interest at the time of promotional expiration
* Customer service is inadequately trained and unprofessional; I was hung up on several times
* They will rerun your credit as often as they want, negatively impacting consumer credit scores
* They will close cards without communication or reason, negatively impacting consumer credit scores
* They will reduce your credit limit below your balance, negatively impacting consumer credit scores
In my case, after paying off ~50% of my original balance, the promotional rate expired and I was hit with interest charges totaling ~45% of the entire original purchase price. The interest charges were much higher than the rate calculations on the original balance - even considering the worst period of compounding daily. When I inquired for an explanation of the charges I was met with an untrained and impolite support staff. Multiple times I was hung up on, etc. Synchrony has absolutely mastered the art of fatiguing their customers with arduous processes and difficult-to-use support systems. They are not accredited by the BBB and their are thousands of 1 star and negative reviews across many renowned review sites; Best Company, Sitejabber, Consumer Affairs, TrustPilot, etc.
I strongly discourage anyone from engaging with Synchrony Bank; they are corrupt, dishonest, and run a very shady business that is arguably borderline illegal.
10 months ago
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
10 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.
10 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!
10 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
10 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.
10 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.
10 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.
10 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.
10 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!
11 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.
11 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.
11 months ago
