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3.2

Overall Score

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Kelsey Woodard

Terrible in this day and age what lender doesn’t have a grace period! But you set the payment dates for your customers! They are aweful and not considerate at all. I am currently trying my best to close my account and never look back.

6 months ago

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Wanda Middletown, DE

Synchrony bank credit cards routinely cancel credit cards and lower credit limits even if you pay you bills and are never late or over your credit limit. By doing this it lowers your credit score which allows them to charge you higher interest if you want to get your limit raised again. Crooked business practice.

6 months ago

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Ruth Grindeland Denver, CO

SUCH A JOKE Synchrony bank has a relationship with Crate and Barell. I was excited to use them. However, they only approved me for 2% of my net income. 2%, and I have sold credit (800) and zero debt. Don't even waste your time getting their credit.

7 months ago

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Heave Hoe Norman Park, GA

Avoid this company at all costs they take to long to process payments which can cause issues and they will close your account without notice as well as their customer service is absolutely terrible they out right refuse to work with you.

7 months ago

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Kim Verstraete Waterbury, CT

I registered for online banking today. I needed to call customer service because after downloading the app it was telling me that it didn't recognize my account information. The agent was extremely rude and spoke to me like I was stupid. I didn't realize that I couldn't use the online app because that was for credit card, not bank accounts.

8 months ago

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Sharlene Clayton Statesboro, GA

Can you post negative numbers?! Worst bank EVER!! Have never seen such pathetic service, customer concern, willing to work with customer to resolve issues. When I can get these accounts taken care of, I will NEVER use this company again!! Rude, don’t care about your business at all. Rn as hard as you can!!

8 months ago

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Nelly Nel Ocoee, FL

I have multiple accounts with synchrony bank. Recently they reduced one of my available cards down by $3000 to the amount that I owe. This puts a hard hit on my credit. I’ve paid on time and haven’t had any issues until now. They didn’t even call me or write a letter in regards to this. Just horrible customer service.

8 months ago

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Gene bovinett Sevierville, TN

5 wks to get a title delivered after a payoff is ridiculous. Now I can't even list it for sale for 5wks Very poor business Should be much faster The last one I paid off they lost the title. Will avoid this company as service is pathetic.

8 months ago

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King Baby (Tha King) Ormond Beach, FL

DO NOT, I REPEAT DO NOT USE THIS BANK!!! ⚠️⚠️⚠️ IF you are struggling with credit do not look here. Though it may sound good, this BANK destroys your credit and with NO WARNING. I lost over 100 pts in one day with this bank and NEVER MISSED A PAYMENT. They run your credit every 3 months and in return DROPS your credit limit to make it look like a new account. This is HORRIBLE and a scam! Why would someone drop Your score when you NEVER BEEN LATE OR MISSED A PAYMENT..if i could give them a negative 0 i WOULD! STAY AWAY FROM THIS BANK!

9 months ago

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Jamie Vaillencourt Portland, OR

I agree with ALL of these negative reviews. This company is horrible and their customer service is even worse! Just like everyone on here, they'll give you an offer for a card and then take away or close your accounts without warning or notice. Stay far away from this company if you're trying to build your credit! I wish I would've read about them before applying. Glad I am almost done with them. I would give them -0 stars if possible.

9 months ago

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MichaelD Santa Rosa, CA

I opened a new Lowes card last year after I moved and was given a credit limit of $5k. By the time I received my card, my credit line was decreased to $4k. I used my card 3 days ago to charge $65. Today I received an electronic letter that my credit line has been reduced to $100. I paid off my $65 balance and told them what they could do with their card.

9 months ago

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Lindy Johnson Apopka, FL

They will be out of business after I call every news channel in Jacksonville today I make all my payments on time and then more .. For RTG rubbish They just added over $1,000 to my balance I can't get into my account .. I'm a widow with heart problems I am literally going to take them to the Bank and everyone is going to know how crooked Synchrony is !!!!!!!!!

9 months ago

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Justin Mednick Hopkins, MN

I was forced to use Synchrony Bank after purchasing a washer/dryer from Warner Stellian and wanted to finance. Although it was MY error that I set up my auto payment for 24 months vs 18 months, I received no email notification or anything letting me know my promotional balance period was ending and had to pay over $1000 in interest. This bank does not care about you and only wants more of your money. BE CAREFUL if you have a payment plan through them.

9 months ago

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Huxley Murfreesboro, TN

We got new gutters and they offered synchrony to finance. We set it up over the phone. We put it on auto pay and months later find out we are being charged some outrageous security charge each month dor protection that we NEVER asked for and we were never told about. When we called to ask what it was, the rep even said yeah you probably weren't told about it. We have been trying to call and dispute it but getting someone on the phone who can fix it is providing difficult. Absolute scam. Ive also found that Synchrony has had a few class action lawsuits. I can see why.

9 months ago

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tevita Saurara Anchorage, AK

I was speaking to your customer service representative around 2.40pm and he was so rude. It was a male representative and he was so rude. If he is lazy or don’t have customer service skills then he better not in that field. So lazy, no phone adequate and so rude to the customer. I then called them second time and spoke to a girl who was so patient and kind but the gentleman that I spoke to earlier must have woken up on the wrong side of the bed. I called regards the Amazon credit card account.

9 months ago

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Justin LA

Absolutely the most corrupt garbage creditor in the United States. Even when being contacted and told about hardships causing delays in payments just a week or two past due dates they take action against customers. They report accounts as being more delinquent than they actually are and lower credit lines or close them for no reason. They actively seek to tank customers credit reports as if that is the only purpose and source joy they have in life.

10 months ago

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Maw Fayetteville, NC

Whatever you do do not open a credit card account with this bank it will be of no use to you within 2 years they give you a high credit limit and then out of the blue for no reason they drop your limit down to the balance you owe with no warning or explanation . One day you go to use your card and it’s declined and you don’t know why you’ve never been late always paid on time but they have went into your account and trim the limit they are pathetic.

10 months ago

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Hugo R. Sibrian Newhall, CA

Engaging with this institution is tantamount to navigating a labyrinth, with its distinct inability to uphold its pledges creating a daunting ordeal. If the sanctity of your credit score holds any significance to you, steer clear of this facade of a bank. Its alliance with Google is a cunning ruse, shrouded in deceit and carefully designed to ensnare the unsuspecting. Remain vigilant. Moreover, the complete lack of customer service further compounds the challenge, leaving you in the lurch when you need assistance the most.

10 months ago Edited May 19, 2023

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J R Pittsburgh, PA

After opening an online account and depositing $10,000 into Synchrony bank, they restricted my account and demanded I send a notarized copy of an ID(DL) I already sent an unnotarized copy of my drivers license. 5 calls later no one can tell me why my ID needs to be notarized. I found no documentation anywhere that states anyone's ID needs to be notarized . I suspect it is because I am African American . I will get notarized and immediately close my account and will consider additional actions . My account was opened over a month and a half ago and it is still restricted !

10 months ago

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Susan Muir San Francisco, CA

Synchrony bank screwed my credit over, they closed out my account with Sleep number for no reason, I have never missed a payment and my account was almost paid off. I never received any letter. They are horrible now I have to pay off any other cards with them These are very bad people I am not they only one they have done this to. They are the lowest of the lowest they will also for no reason lower your available credit also someone needs to stop them. Thank you Synchrony for ruining my credit.

10 months ago

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Ashley Illo Washington, DC

After I paid off my account. 3 months later they decrease my credit limit and then not long after they closed my account because it drop 7 points below 650. Now my score is going to drop even more because of this crap. Had I known this would happen I would have NEVER opened an account with them. I paid off the account before the promotional 0% Apr was over. Thus bank sucks. Stay clear.

10 months ago

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Valeria Leininger Glendale, CA

They lack proper communication. They closed my account without notifying me. I made errors when entering my payment information so the initial payment did not go through, but the subsequent ones did. They closed my account, no letter, no email, I found out through my credit report monitoring account. The only reason I got the card was for dental work and now I can't even use it.

11 months ago

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Fadi Annaba Decatur, IL

Really bad credit card issuer. I almost never was able to talk to customer service. It's hard to find the number to contact and when you do, you get auto prompts that keeps you in a loop. If you by sheer persistence make it to be directed to a live person, the line either drops, or they transfer you to someone else where the line drops again. Twice someone finally answered, but then pretended that they can't hear me and dropped the line!

11 months ago Edited July 10, 2023

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Frances Tintelnot Tucson, AZ

Every account I have that was taken over by Synchrony has had the credit limit dropped to the amount owed! No matter how long I have had an account with the creditor, nor the status. Most recently was my PayPal credit which I have had for years and pay over the minimum each month. I was livid when I saw that they dropped my credit to what was owed. Synchrony has single handedly been responsible for my credit score dropping because putting my credit at what is owed has increased my utilization even with no purchases. I really feel this is an unfair credit practice.

11 months ago

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Suz McKimmey Alpharetta, GA

I've closed two accounts now, because Synchrony ignored properly submitted and documented Legal Name Changes for over a year on more than one account. even worse, once I got them to process the change on one particular account after multiple contacts, my name was actually spelled wrong. I couldn't believe it. Even the SSA was less trouble than this entity. Good riddance.

11 months ago

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n smith

THIS IS PROBABLY THE WORST BANK IN AMERICA'S HISTORY THEY TOOK OVER $1200 FROM MY ACCT FOR CARD SECURITY I DISPUTED IT AND REPORTED IT THE GOVT, HEY DECIDED TO GIVE ME $700 BACK I'M STILL WAITING FOR MY REMAINING $560, IN RETALIATION THEY, I HAVE TO CHECK IN MY BANK STATEMENT THIS WEEK ARE CHARGING ME $50 A MONTH FOR A CASH ADVANCE THEY CLAIMED I TOOK OUT IN 2021, SPOKE TO A MANAGER SHE WAS EVEN CONFUSED WHY AM BEING CHARGED FOR A CASH ADVANCE THAT THEY CLAIM I TOOK OUT TWO YEARS AGO SHAME ON THESE GUYS

11 months ago

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Terri Uglem

My Home card was randomly closed stating future likelihood of no payments. I have had this card for about 5 years, in addition to a Care Credit card for even longer. I have never been over limit nor have I missed a payment. My credit score was lowered because of this, and customer service transferred me to a "manager", and then the call was disconnected. I will look for every location to which I can submit a poor review.

11 months ago

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Orion Blade Gila Bend, AZ

I had a previous account with Synchrony Bank. I paid this account in full within six months. It was a total of $7000 and it was paid off early without penalty per the contractual agreement. A year and a half later, I decided I wanted to purchase a musical instrument and my only option to finance was through synchrony bank. They approved me not for the entire purchase price, as I requested the full credit to purchase the instrument, but they were $37 short of the actual total. This was something not mentioned until I attempted to make the purchase some time later when the instrument came in stock. When it came time to pay for the musical instrument, I was denied because there was not enough money to cover the purchase amount on the credit account that I got from synchrony bank for this purchase. I then had to ask for a credit increase of $37 making the total credit $5337. They denied the increase. (important note: the $37 was not the issue, the issue was the credit extended was supposed to cover the entire purchase price) The reason they gave in their letter for the denial was debt to income ratio. However, when I received the copies of my three credit reports for free, I knew something wasn't right. I contacted the Consumer Financial Protection Bureau who handles these types of issues and according to my assigned case worker at the Consumer Financial Protection Bureau, my debt to income ratio was not an issue according to the standard numbers she ran. My income was more than sufficient and closer to exceeding than not meeting the criteria from what the case worker told me. My lowest credit score was 747 on the three reports as this was clearly not an issue either. I filed charges with them against Synchrony Bank for discriminatory credit practice . I am writing this to you today, because I was just informed that my case has also now been put onto an existing class-action lawsuit against synchrony bank. My point is; if you are in the right, speak up and follow through. In this case, there is a reason why a class action lawsuit was in place and even if one didn't exist, your situation may be one of the catalyst to begin one against companies taking advantage of people like us.

11 months ago

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theresa oliver

Worst financial company ever! RUN FAR AWAY FROM THIS company. Their system dropped my checking account information after I sent them payment and then they said that I was NSF! Then, they charged me NSF fees. I called and used a different payment method and received confirmation that they posted the second payment. Then, for no discernible reason, they sent that payment back. And they charged me additional fees for that payment! I then spoke to a supervisor who admitted that their system drops payments often. There is a communication error in their system and when payments don’t post as expected, fees accrue, even though it’s their IT department’s fault! The supervisor then took a third payment for the March statement and assured me that there would be no additional fees or issues. That payment did go through but a week later, I received an alert from my credit monitoring company that there was a negative report on my credit score. It was Synchrony. They closed my account due to the NSF that was their fault! And it dropped my credit score by 34 points! Additionally, upon reviewing my closed Synchrony account, I discovered that I was charged an additional fee for the supervisor processing my payment in person! In trying to get this fixed, I have spent hours and days on the phone with them. The standard customer service response is to blame the customer. THEY KNOW they have a FAULTY ACCOUNTING SYSTEM AND THEY BLAME THE CUSTOMER AND PENALIZE THE CUSTOMER ANYWAY. When confronted with the facts, they simply stonewall and continue blaming the customer. That is their PRACTICE and POLICY. Thousands of people have complained about their practices. There are even class action lawsuits against them now. RUN. RUN FAR AWAY FROM SYNCHRONY BANK!

1 year ago Edited March 28, 2023

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Rosanna C

I would give a negative review if available. After calls to fix the automatic payment on my account a few months ago, synchrony bank still can not get it right. When I called in this time, the rep Diana wants to argue what my conversation was a few months ago that I had with a male representative. When I told her she wasn't there in the conversation and that I want to pay and close my QVC account ...she continued on that i didnt have the conversation and she hung up on me. Having to call back through the automated system where you have to say customer service 6 different times to get through...a rep answers the phone but doesn't greet or say anything, I feel that it was Diana that answered as they can see the phone number. There is no person on the line but the phone call was live as the seconds were ticking on my phone screen. Very childish! This, of course, then causes another phone call through the automated system. Then rep: John fixes it all..funny thing is they had the right account number on file the whole time but the automaticpayment didnt go through Hummm ... I made a complaint to Vella who said that she was an account manager and I believe that she didn't care one way or another that a customer of 10 plus years closed their account. She had really nothing to offer and I believe the complaint went on deaf ears. So just saying, their customer service sucks!! Oh, and I did tell John that I hope Diana gets the poops on the way home and hits each red light...darn I forgot to tell that to the account manager but I'm sure they will hear it in the recording. Beware, if Diana answers the phone...she is there for the paycheck and not to help people..you will get hung up on! They don't care about the people.

1 year ago

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Tom Dees Brunswick, GA

There is absolutely NOTHING to like regarding synchrony credit card services...The worst customer service, pathetic website, you can't even access statements. I closed our Ashley Furniture Advantage card but could never get it removed from the account website which shares Lowe's, Belk, and Amazon store card...which, by the way is idiotic...I compare them with Chase, who has the best website I have ever encountered! I simply wanted to remove the the card from the account site...no big deal...right? Yeah...the story is to long to describe... just ridiculous. So depending where you shop, for me, Lowe's, Belks, Amazon store card and "If'n" you have PayPal credit, it's synchrony...They offer many more retail store cards. Do-Not-Use ANY store card that offer credit through synch'y deadheads credit! They will hound you with "promotional" deals like alleged no "interest"...it's bs, do not by into it...walk the **** away...do not give them your business...they suck! Only thing I would give them...my finger and my cats litter box ☢️❗

1 year ago

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Yolanda Silva Bensalem, PA

Worst customer service you can ever find at a financial institution. You will never encounter any problem to deposit into you Synchrony Bank account, but good luck trying to get any transfer out of your account because they will make you go through hoops. A supervisor just hung up on me saying I can't do a wire transfer from my Synchrony bank into an external bank account, both under my name, because their system is not validating my phone number, so even though I need the transfer today, she said I need to wait for a letter that I can expect in 5-7 business days in my snail mail, and call back. Then she hung up.

1 year ago

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michael Giertych

I have never had a good experience with Synchrony Bank. Staring with Wal-Mart statements. Just an amount to pay without any kind of list of what was bought. Just take their word for it, this is what you owe. They have been trying to collect a Lowe's payment from me for that was paid for a year now. I sent them proof of payment from my bank and they still will not stop. My credit score has dropped a hundred points and my borrowing power has dropped 60%. They closed my personal and business account for Lowe's. This is insane! They say they can see where the discrepancy is and STILL won't fix it. Now I have to take it to litigation.

1 year ago

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Mark Chenoweth Kissimmee, FL

I have bought tires from Discount Tire and also several major items from Lowes dealing with Synchrony Bank as a credit card; the 5% incentive was OK, but honestly... when I went to JC Penney recently, they had discounts using ONLY Synchrony's Master Card, and I easily qualified, but then... while I made the payment in full, I NEVER RECEIVED THEIR CARD! You NEED the card info to send a payment on-line, but also even at the JC PENNEY STORE! Their people at JCP are less than helpful anyway, even buying things, but making a payment was not possible there! So, I mailed a check for the small amount I owed, but it failed to be delivered by the date it was due (mailed it going to their Orlando office a week in advance!). Several weeks later the dated check was received, so whether the PO or JCP screwed up, who knows! The late ordeal cost me hours of phone and transit time, and in the end also a $2 late fee! I HAVE EXCELLENT CREDIT, but also it was not late! Now, hopefully they will send my refund as they finally said they got my check (I never pay by check for credit) and I closed the JC Penney account! Watch these guys... JCP I suspect is the real problem, but the offices for Synchrony are in Orlando, and I am currently just 13 miles from the PO There! If you MUST shop at a JCP store, use your most faithful bank credit card... forget the lousy 5% as it likely will cost you more in time and extra effort than it's worth!

1 year ago

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Susan Ballard Newport, MI

I only gave one star because there's no way you can leave a minus if there were I'd give it a minus 10 for their customer service nothing but a nightmare trying to make payments with this company. Ours was for a piece of lawn equipment Finance through Lowe's with the Synchrony Bank don't do it just don't do it not worth the aggravation every single time trying to make a payment turned into a 3-hour ordeal avoid this company at all costs no offense but you will always get a call center from the Philippines with people who do not know how to press buttons to make the correct entries on a computer. Customer number always wrong payment amount always wrong they will take out two payments they will charge you a finance charge on a payment. Nothing but bad news

1 year ago

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Robin McConnell Oklahoma City, OK

So i found out that in Saturday for no reason my account was closed no matter that my transunion credit is good, not one single missed payment, but they closed my account THEN notified me. After it does my credit score. When i called today the woman could not give me a viable reason as to why it was closed. No matter that i bought one set of furniture, went back bought another price of furniture and recently went to look had ANOTHER set picked out to buy. When i went to get the last set quoted found out they had lowered the amount i had been approved to be able to use. Even though the last set would have been paid for in FULL on purchase day. And the lady tried to convince me that i wouldn't be paying more in interest. But shes right, they closed the account so i paid it off, AND WILL NEVER USE ANY BUISNESS THAT GOES THROUGH SYNCHRONY, AND WILL LET ALL MY FAMILY N FRIENDS KNOW TO DO THE SAME. POOR BUISNESS ETHIC I BELIEVE, ALL THEY DID WAS LOOSE A CUSTOMER, (who would have continued to purchase through them). BUT THAT'S OK IF THEY DO NOT WANT TO KEEP THEIR CLIENTS BUISNESS.

1 year ago

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Tony Raymond

BEWARE OF SYNCHRONY BANK On January 20, I invested $100,000 at 4.6% interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated Feb. 3 that indicated I had to complete the process. On Feb. 14, I spoke with Renita. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to 1/20. I told her I would also increase the amount to $200,000. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On 2/21 I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that Renita had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said Renita was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied. What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction? I have never received an email or letter indicating my $200,000 had been transferred or cancelled from my bank. Synchrony has not allowed me to speak with a senior official, despite my repeated requests.

1 year ago Edited March 4, 2024

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cjjai_cjjai Houston, TX

So, I found out on Friday that my account with Care Credit had been closed with no notification from Synchrony Bank via email, text, call or mail. I didn't understand why and called them on today. Synchrony Bank closed my account in June 2022 that I had with them for over three years, with no late payments ever, no payments due ever, and nothing owed to them at this time based on a credit report that was received by them from Transunion. I asked the representative why did Synchrony Bank pull a credit report on me after having been with them for over three years, the representative stated to me that Synchrony Bank automatically receives these reports every month from the credit bureaus and based on what Transunion stated they denied me credit and closed an account that had been open and in good standing with them for over three years,. Did you Synchrony Bank forget that everyone is suffering from the fallout of Covid 19 and still recovering and I am still trying to find out how they received a credit report when my account has a fraud alert on it from the breech of a certain credit reporting agency and had a freeze on it? Neither Synchrony Bank nor Transunion had permission to access my account without calling me (Transunion and asking my permission if my credit report could be accessed by any company, so one of these companies also broke the law, that is criminal. I also stated to the representative why I didn't receive notice of this decision via mail, phone, email or text from Synchrony Bank, the young lady stated one was sent out, I stated to her no, I never received any type of notification from Synchrony Bank stating my account had been closed, the representative stated to me that she would email me one today, I stated to her, no, I didn't want it, it was to late for that now, I already new. I want to say to you Synchrony Bank, what you did was criminal, dirty, underhanded and sneaky, if this is the way you treat loyal customers after over three years I want to warn and let anyone and everyone know that based on your character and treatment towards me you are not worthy to be in business, your account is closed.

1 year ago

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Sara Coxon Richmond, VA

Trying to pay a bill with them is a nightmare. They sent me email links to pay the bill but the link was to an insecure site. I didn't want to use it. My sister was in ICU for 8 1/2 weeks and I just got back from her funeral. I had to do some searching to find the original bill. I don't know why they aren't sending me monthly statements by mail since it is impossible to open their email statements. I had paid 6 months of payments on the first payment, yet I was charged a late fee because I couldn't find a way to contact them. Ridiculous. It is by far the worse online payment experience I have ever had. I am paying this bill off as quickly as possible and will never do any financing again with them.

1 year ago

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Amber T Tulsa, OK

Never, EVER get a card serviced by Synchrony, especially for a promotional purchase! You will NOT get a reminder that the promotional end date is approaching. It didn't line up with the date of purchase AT ALL. If you miss it, all the interest you would have gotten steadily on a regular purchase will get added all at once to your outstanding balance. It almost doubled what I owed! I would have taken care of that balance one way or another if I knew that was how they operated. I've never had that experience with any other purchase or credit card. On top of that, they closed the card, randomly and with no reason given, about 5 months before the promotion deadline. We were ALWAYS on time. Autopay set up, no missed payments. So why close the card? It counted negatively on my credit report too. This is the third card my husband and I have ever had with Synchrony, but the first time we've used a promotion. One of the other cards was closed randomly as well, no reason given. I can't stand this company and will NEVER apply for another card serviced by them. This country allows these financial institutions to get away with too much. They are rarely held accountable for the damage they do to everyday people.

1 year ago

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Tim Blair San Antonio, TX

I have 5 credit accounts that mysteriously went over to Synchrony. Naming 3, HSN, QVC, and Lowe's. I just got an alert from Experion that one of my credit lines have been reduced. It was Lowe's. My credit line went from $2,600 to $1,018. They run periodic credit checks and adjust your credit limit according to your FICO score. Get this, my Lowe's balance was $1,042. Now my credit report will show a maxed out credit card, plus over limit. Unreal !!! They did this to all 5 accounts. I contacted all the companies and told them, by switching to Synchrony, you are losing a customer. All 5 did not care. My FICO was fine until I refinanced a vehicle, It dropped my score from 700 to 600. I have 12 years perfect credit history, but that don't account for much anymore. I have been advised to file a case with the State Attorney General's office and the FTC . Good Luck to anyone else having this same issue...

1 year ago

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Tom Harris Owego, NY

I had a synchrony bank, PayPal 2% cash back credit card. I used it often throughout the year totaled around $130,000 in charges. I alwyas paid it off immediately, without ever having a balance or paying any interest, as the goal was to get the 2% They cancelled my card, stating "your charge pattern indicates you would not pay us back" lol. When I called they stated "using the card to get the 2% cash back is not the way one is supposed to use a credit card" lol They owed me $520 in cash back rewards and they told me that they were going to keep it and not pay the money owned to me. My credit score is 830.. never ever had a late payment, never had a balance or even an interest payment. They simply didn't like me using a 2% cash back card, and they decided to keep the money they owed me. Don't use their cash back card. They will cancel it when they owe you money and not pay you . The customer service is horrific. I got four different answers regarding my $520 cash back. 1) it would be deposited into my PayPal actin a few days. 2j it would be deposited in my bank acct in days. 3) they would be sending me a check I would receive in days. 4) they were keeping my money and never sending it to me. Lol The New York State Attorney General, believes this is a violation of the law. That's the next step. I would not want Latisha James, NYS Attorney General knocking on my door if I were them. She is a pit Bull and a bear. I, hoping it’s class action

1 year ago

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susan smith Dandridge, TN

I have never dealt with a more underhanded, unsympathetic, money grubbing bank in all my years. I have had them screw me over three separate times and I didn’t do any thing wrong any of the 3 times except pay my bills. The first time was my Lowe’s card , used it for years always paid on time and out of the blue they cancel my card because they saw a drop in my credit rating!! Next time was my Sams card they approved me for 14 or 1500 in credit . I used it up to 1200 or so and decided I wanted to pay it off to help my credit rating and out of nowhere they put my credit down to 400 so instead of of raising my credit score it plummeted!! Now just today I receive a cancellation to my care credit card… they really care!! I used it once paid it off and kept it to use at the vet if needed. Unless you have wonderful credit and don’t really need it it doesn’t matter how faithful you are about paying them , you are like shit under their boots!! That’s what I think of them and they need to be out of business!!! There is no room in this world fir a bank with such contempt for struggling people trying to do their best! Shame on you!!!

1 year ago

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Bonny Finberg

When I went to the checkout counter at my local Duane Reade I was told I would get $25 of credit if I applied for a Walgreens, credit card. There was no mention of a third-party i.e., Synchrony bank. I never used the card and I only purchased $14 worth of goods which I was not charged for which was less than $25 I was entitled to, but I didn’t care.. My understanding was all I had to do was apply for the card and I got the free purchases. I never used the card, not even once. Then I got bills in the mail from synchrony bank. I called them and said I was canceling my card and that I never charged anything. Now I’m receiving bills in the mail and calls from them. Added to the $14.50 which is not explained. I’m also being charged an additional $16,60 late fee. This is predatory, and Duane Reade is complicit in this scam.

1 year ago

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Steven P McNicoll

On February 11, 2022, I ordered two 36x36 frameless bathroom mirrors from LampsPlus.com. The mirrors were delivered on February 17th. The mirrors were shipped encased in form-fitting Styrofoam in separate boxes. Opening the first box revealed a shattered mirror. The second one held an intact mirror that had several deep scratches that went unnoticed at that time. I contacted Lamps Plus immediately about the shattered mirror. I was told I would receive a replacement, that I did not need to return the mirror, and that I would receive an email from them with an address to send an image of the shattered mirror. I received that email and replied with all the information they requested. By March 14th I had not received the replacement mirror and had heard no more from Lamps Plus. I sent them a third inquiry that day. Again, no reply. I had purchased the mirrors through Synchrony Bank with my Sam’s Club Mastercard. So, because I was being ignored by Lamps Plus I contacted them to dispute the transaction. Synchrony Bank agreed with my position, initially, and credited my account with the $421.82 purchase price of the mirrors. Now it gets weird. On June 24th I received a message from Synchrony Bank stating that, based upon “new information”, they were reversing the previously issued credit. The “new information” supplied was a proof of delivery statement showing that FedEx had delivered the mirrors on February 17th. That’s not new information, that’s the date I phoned Lamps Plus to report the mirrors had been delivered in damaged condition. Non-delivery was never the issue. On June 29th I sent a letter to Synchrony Bank. I told them; “before I take further action on this matter, please verify, in writing, with a signature of an actual human with some authority at Synchrony Bank, that you agree with Lamps Plus that delivery is all that matters, that the condition upon delivery is irrelevant.” The letter was sent Certified Mail with a Return Receipt, it was signed for by Rolando G. On July 13th I received a Voicemail to Text message from Synchrony Bank stating; “Hello this is a message from Synchrony Bank for Steven N nickel [sic] regarding your Sam’s Club Master Card account. We are calling to inform you that we received your correspondence. We appreciate your patience while we review your request and we’ll update you as soon as possible. We can be reached at 866-xxx-xxxx. If you have any questions. Thank you. Goodbye.” I responded with another letter to Synchrony Bank stating: “It is important to understand that I did not make a request, I stated a requirement. Nothing short of the letter described, clearly stating your policy that receipt of damaged goods is not grounds for a refund, will suffice. Upon receipt of that letter I will pay the full amount of the purchase, $421.82. I will not pay any late fees or interest as the delay is solely your fault. “Further communications on this matter other than that letter must be via an email that is monitored.” That is where we stand. My account balance is now $589.61, the sum of the $421.82 purchase plus about six months of late fees and interest. Clearly, Synchrony Bank wants to be paid, but nobody there is willing to put their name on the letter required to obtain it.

1 year ago Edited January 18, 2023

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Janet Blubaugh Naperville, IL

These dirty folks will close your account without even letting you explain yourself!! I was recovering from surgery and didn't need any crap from Zulily's. I had a card, 0$ balance... they just closed it. They are infamous for doing this crap!! Class action may be next.

1 year ago

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Darline Richards Dalton, GA

Synchrony Bank sent a 1099C to the IRS claiming I received $11,000 from them. I didn’t know this happened until I received a letter from the IRS threatening to withhold or garnish my bank account if I didn’t pay the taxes on the amount. I called their customer service and was on hold over 2 hours while being passed from one person to another. None of the reps could find any trace of this transaction on my account, but stated they could not issue a statement to the ITS saying the 1099 was an error. I’m not sure what my next steps will be, but I will never use this sorry excuse for a bank again, and I urge everyone to consider doing the same. They caused the problem with the IRS based on their shoddy workmanship and documentation, but can’t spare 10 minutes to correct their mistake.

1 year ago

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Symon Kimitei

This company is very deceitful. They will notify that you owe zero in your account in a given month only to change the amount later without notice on their website. Their design of customer account information is designed to deceive customers into being late so that they can charge them $35 late fees. If you are their customer, pay close attention to your account and keep a record of every payment. This bank will not inform you about due date via email as it approaches but will be very quick to let you know that you are late. Other banks will send you multiple automated emails to inform you as a customer about your approaching due date. This bank does not and it does this purposely because it is their policy to maximize profit from late fees!!

1 year ago

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Marie Pond

The bank called me on Dec 27 to say my payment was late and I needed to pay right then over the phone. They didn't get the check I mailed don Dec 9. They had gotten all other checks prior. The were closed on Dec 26th. She said no grace period, and even if they DID get the check, it won't count as paid on time. This line of credit doesn't have an online account to view, only paper statements. So, I had to pay my bank to put a stop check. On Dec 28, they cashed that check! Then on Dec 29, they refunded the check with a check refund fee. The rep even acknowledge, well the weather may have delayed things and the due date was on Dec 26th, a holiday.

1 year ago

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Mr. L Highland Park, IL

Synchrony Bank has inept, incompetent employees who provide the worst customer service I've ever experienced-personal or business, at any banking institution. They do not follow instructions, they do not follow up, and getting someone to call back in a timely fashion is almost impossible. Here's the abbreviated story of what should have been a simple transaction. I provided instructions to close a CD account, withdraw and send me some of the cash from the CD, then open a new CD with the remaining balance. Multiple representatives of Synchrony mishandled this simple transaction. It took many calls and over 6 hours of my time on the phone, along with 5+ weeks of waiting before I received a check that should have been sent in a week. I heard apology after apology from each new customer service rep but the incompetent employees at this institution just can't seem to get anything right. I also emailed multiple senior executives of the bank alerting them to the experience and not to my surprise, I didn't receive a single response. Let me say this. There are many good banks with excellent CD interest rates available right now for those of you who want to find a safe place to park some cash. I strongly suggest that you avoid Synchrony Bank and find a banking operation that values their customers, doesn’t repeat the same mistakes over and over, and responds in a timely fashion to requests for return calls. Synchrony does none of this and as such, they do not deserve my business or yours. Think carefully before you make the same mistake I did. I will never work with this bank again and I had been a customer for over 10 years!

1 year ago