Synchrony Bank
Is This Your Business?1.1
3.3
Overall Score
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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.
11 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
11 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!!
11 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.
11 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.
11 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
11 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.
11 months ago
C D Windham, NH
We opened an account with Synchrony bank to set up a payment plan for work that was done on our property. After several months of mailing checks, my wife decided to set up the payment info for online banking. A week after submitting the first online payment, we got a rejected payment notification and a "returned check fee" was charged to our account. Without any clear indicator as to why it was rejected, I called the bank's support number to get an explanation.
The person on the line informed me that some account information was entered incorrectly and the fee was automatically charged because of that. No, he couldn't tell me specifically what info was typed in wrong and, no, the fee was not able to be reversed for any reason. I was able to get transferred to a manager who, after reiterating the same info, narrowed it down to our bank's account number being one digit off what it was supposed to be. A single typo equaled a $30 penalty fee.
I was given their sympathies, told they would fix it if they could, and that they understand how it is an easy mistake. But the words "terms of service" were thrown at me about 12 times and that it was the company policy to never reverse those kinds of fees. They can waive late fees and other issues, but for unknown reasons (read: they don't want to), my situation does not apply.
It is a classic example of anti-consumer fees designed to punish customers, regardless of circumstance, just to squeeze a few extra dollars out of them. I wonder of rules such as ToS will ever apply to these banks when they accidentally give out too many predatory loans and crash the housing market and need a government bailout again.
11 months ago
sstone55
I have (or had) two accounts through synchrony bank. Both accounts with pretty high limits. The account through LL Flooring was just closed. Synchrony bank closed it. For the reasons of I had too many revolving accounts, with balances they are too high. I never had one late payment and spent thousands on flooring. I just recently paid off the remaining balance. I have a higher credit score now than I did then. I’ve never had a creditor close an account. Also, each credit reporting agency has been frozen approximately two months ago, so I don’t know how they could even get any credit information. I’m just stunned. I will never do business with them again. Do not use this company.
11 months ago
R M Las Vegas, NV
I wouldn’t even write this bank number 1. We finance through JCPenney every month. We were making a payment on time every time we had a balance with a good adequate credit line, but because the credit score dropped a little bit. This bank took the credit back they issued back even though they got a payment every time on time I highly recommend that you never use this bank I am warning anybody reading this, not to finance through this bank if you get credit, or have credit the minute you fall behind her your credit score goes down they take away the credit they issue . It’s a guarantee that we will not pay the balance off.
11 months ago
Fredrick Panda Ventura, CA
I don't think I've ever encountered a company so consistently bad in every single aspect. It would take too long to get into specifics because of how many different instances there are. To summarize, their customer service is horrendous, the website has never worked properly, and I even have to use a different browser to get into my account, their website will not allow me to manage my account without going through another step that doesn't even work. Their website is an absolute joke. Also, someone put my middle name down as my last name in their system, so it took several minutes to get access to my account when I finally spoke to someone on the phone, and they still kept using it as my last name after I corrected them. They then told me that I had to submit some form and provide proof of my identity because of someone else's stupid mistake. Their automated phone system is also a nightmare, and wasn't able to assist me with my issue no matter how pushy it was to get me to use it and not speak to an actual person. However, when I finally got through to a person, I honestly couldn't say which was more useless. I am only using this bank to pay off furniture, but if I ever finance furniture again and the company tells me they use Synchrony, that company will immediately lose my business. Yes, that was the summarized version of my overwhelmingly negative experiences with this horrible company.
11 months ago
Tee Woods Powder Springs, GA
I would not prefer this bank to Noone. My reason for opening and account with Synchrony wad to establish good credit or to help my credit. I paid off a Rooms to Go account and a Ashley furniture account on time never late, even doubled up on payments just for them to close both these accounts. I asked why they just closed on me and not give me more credit and not consider my payment history. They stated because there are too many things listed on my credit report. I told them those things were there when you approved me in the beginning. Why was I even approved. I only got these account to build my credit and show credit worthiness in hopes of them extending more credit instead they close both accounts. I wish I never dealt with this bank
11 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.
1 year 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
1 year ago
Victor Gill Milford, OH
This Bank has good rates most of the time. However this all negated by their inabilit to communicate with customers efficiently and accurately! They have secure email, BUT they will not address ANY request you make via this SECURE email. They are not a brick and mortar bank where I can go down and talk to rep and when I try and call them on 1-800 line as they want you to, I find that I have to wait minimum of 15 minutes or so to even get someone to talk to you!! I cannot be on the phone this long to make minor requests that SHOULD BE EASILY HANDLED via "Secure" email!! Tried them twice and this was the case in both instanced, even BEFORE the Pandemic!! Will not utilize their services again!
1 year ago
Beverly Chavous Evans, GA
I was a loyal customer of synchrony for years with several credit cards until I made one honest mistake of deciding to start online paying of my Lowe's card. I had my card years never abused my spending and always made payments on time no matter what. If i made a purchase I would pay it off on time or even before the month was out sometime! I decided to start making my payments online doing so I accidentally left out a single digit in my checking account number and didn't realize it and then made a payment and it caused a non-sufficient payment on my account. When I was notified by mail I called Synchrony and went over my account to find out why after years why did they decide to close my account. I spoke it over with the representative and they explained to me that was the reason.. I found it to be very hurtful because I pay my bills as I should and on time. I'm writing this review so that synchrony bank can see that the issue with my account was an honest mistake and not on purpose and for other people to know please be careful when setting up information online to double check before submitting a payment because you will be in the situation I am. No one is perfect and I hope synchrony will understand that my mistake was an honest one! I still have a balance on the card and plan to make the payments on time as I always have.
Sincerely,
Beverly Chavous
2 years ago
Davra Clayton Albuquerque, NM
I took out the CareCredit / Synchrony Bank card to pay for expensive dental work and have also used it for veterinary services. I like the way the Promotional Payments can be deferred without interest which has been helpful being on a fixed income.
Now the frustrating.... I had three Promotional Purchases coming due in the first 3 months of this year. I made 2 calls to Synchrony Bank (being on hold for minutes and minutes each time) to confirm the amounts of each Promotional Purchase coming due and the exact pay-off amount each. I took money from my 401-K to pay out ALL of the promotional purchases coming due, and made a lump sum payment for over $2K in a phone conversation where I specified the amount for each pay-off. Each was paid in full with no interest! It was confirmed by the representative I spoke with. Or so I thought!
The next month when I went on-line to check my account, several of the Promotional Purchases showed balances, so I immediately called SB. After a LONG hold, I got a girl who was really hard to hear and who didn't seem to know what I was talking about. After going over it with her for several minutes with no understanding, I asked for her supervisor and went over it AGAIN. After another LONG wait the manager came back and agreed that the money I paid had not been allocated correctly and interest had been wrongly charged to my account. She insisted it was straightened out, apologized and informed me it could take 1 - 2 billing cycles for the corrected amount to show up. Really? Shouldn't a correction be made immediately?
Fast forward to the following month - upon checking the on-line account, my balance for one of the Promotional Purchases had been moved to inactive, BUT instead of being paid off, it showed over $300 still due. So another phone call to CUSTOMER SERVICE? - another LONG wait, another lady with a timid voice who said it was the interest due for the remaining balance. She proceeded to explain how much the interest was, and I kept saying it was paid off several months prior to the due date - there was no remaining balance. Finally she said she would have to speak to her manager - WAIT, she came back, said WAIT while she got the answer...WAIT. I asked if I could just talk to the manager myself. She ignored that and said WAIT. Finally she came back and said that he "was able to remove the accrued interest" (which I said never should have been there in the first place). She again said her manager was able to fix it. I got her name, his name and a confirmation that it would be corrected within 48 hours.
While I was on hold - again and again, I went to the best company website to see if anyone else had issues - thank goodness, it isn't just me!! I thought maybe I was jinxed. My husband keeps saying "get rid of that card, they are incompetent" but I keep holding out because we just don't have the money up front to pay for dental work or vet bills. I keep expecting better accounting and customer service. But, I'm about done with the time and frustration. I feel like I have to check every month to see if it's been corrected and worry about their next mishandling of the account.
2 years ago
marsha morgan Altamonte Springs, FL
Some of the largest bills are medical bills especially dental bills. I got a care credit card via synchrony Bank and because I was new to it I was given a balance 1500 to use. However an emergency came up which prove to exceed the 1500 amount so I requested a increase on my balance. My reply from synchrony was to the tune of: I haven't demonstrated the ability to use the amount given to me and no increase would be given. I explained everything in my explanation box but was denied the increase. Well now I get upset as to how I'm going to pay this so fortunately the dentist broke up the payment. Yes the bank doesn't know me but I'm sure there's a lot of people they don't know that they've increased their dental card for. They need to change their credit card to 'Don't Care' as opposed to Care credit.
Oh and Jess is a side note, in reviewing your complaints, do you really send out false statements to your customers?
2 years ago
D LS New Kensington, PA
I have multiple account with Synchrony Bank, one with a balance of $11,000 and the others with no balance and one with a balance of $2000 on a promotional zero percent deal. I have never made a late payment, have my credit increased on all cards and never had my credit limit lowered like the other comments I have read. I called Synchrony Bank and asked to have my interest rate on my Mastercard with the high balance lowered and they refused. My credit score is over 800 and my debt to income is at %27. I simply applied for a Citi Diamond Preferred card and transferred my balance. Synchrony Bank is not customer friendly, they do not care if they keep there customers and by the comments I read, they prey on the vulnerable. I am done with Synchrony as soon as my promotional balance is paid off.
3 years ago
Robyn Brady Kent, OH
We have several loans through Synchrony Bank. Windows at our rental and our new furnace and A/C at our new home. Super easy to set up payments and customer service always helpful and courteous.
3 years ago
Deddy Raksawardana
They keep reducing my credit limit just because I made one time late payment for 2 days. I immediately paid balance and close this ridiculous account.
3 months ago
Alexa Ray Titusville, FL
Withhold of funds for months!!!
They have put my money on hold for months now. No answer, no information. I want to close the account, they won't let me. Disgusting policies and customer service.
4 months ago
Sharaf C Hardin, IL
Paid off my card, $4,000. Was told there was now a hold on my account for a week due to the payment size. I asked for a review by a person, was told that's not possible. I will be canceling my card.
5 months ago
Julia San Antonio, TX
Terrible bank, do not apply for any anything related to this company! Terrible customer service, I applied to finance some furniture at R2G through this bank, I have great credit score, high income, was still rejected with no reason why. Save your time with this company it’s terrible!
6 months ago
Bryan Blanks Atlanta, GA
I had a King Size account for years! I forgot my December 2023 payment they lowered my credit and reported this to all three credit which killed my credit. I am having to resort to 609 credit letters to remove these fools permanently from my credit report!! I hate king size and synchrony!! BYE! BYE!
6 months ago
Vanessa Healey Denver, CO
Do not go through them for care credit. This is worst service to go through. I have a care credit card through this bank. They did not send notice that my credit limit was going to be less, however then the charged me a higher monthly payment. I never ever will bank or get something through them again.
6 months ago
Precious Flores CA
If 0 stars were an option I would have picked it, This Card is from Amazon, Their customer service people are rude, insulting, disrespectful, unhelpful, uneducated, will hang up on you when asking for clarity, JUST RUN, RUN IF YOU ARE EVER OFFERED CREDIT FROM SYNCHRONY BANK, ITS SMALL CREDIT AND THEIR GOAL IS TO TRULY SCREW YOU
6 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
7 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!
7 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.
8 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.
8 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.
8 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.
8 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!
9 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.
9 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.
9 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.
9 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.
9 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.
10 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.
10 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.
10 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!!
10 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
10 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.
10 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
10 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.
10 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!
10 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.
11 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.
11 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.
11 months ago
