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3.2

Overall Score

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Darryl J Williams

Eversince Lowes changed (both( their computer system as well as rerouting payments through Synchronocy, there have been nothing but reports of malfeasance complemented with nefariously false statements. Such is and was and still is the prevalence of my situation. I paid the total amount of my purchase off during the month of January. Unbeknownst to.mtself,, the bill was circumvented to another entity on 15 January; but, the transaction was not debited until 19 January. ...with banking information being shown and faxed over upon request, speaking to the Customer service Representatives proved to be the proverbial lesson in futility. Double billing along with a mis-drlivery ensued. On a particular Saturday, there was an attempted delivery of the exact model projected to my residence. The poor soul who had to attempt delivery replied, "This is a common thing eversince the Company went to a new computer system. In vlising, "Change us not always good ," especially when a Corporation is trying to "bleed good hard-working folks dry through means of intimidation and cajoling. Sad state of affairs we currently live.

2 years ago

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Gary Gorham, ME

Read these reviews (the bad ones). These people aren't lying. Twice this has happened with one of Synchrony Bank's accounts. First it was Amazon credit, and now today, I find out, from another credit card company, that there was a "change" to my credit. I check and find out it's Synchrony Bank again. This time Pay Pay credit. I had an $8,500 limit with them with zero late payments and a credit score consistently over 830. I find out the drop my limit to $1,500. I ask why again and the lady doesn't know why. She rechecks and says I can go "up" to $2,300. I asked to talk to someone higher up and he give me the "you don't use you credit enough" blah blah blah. I only used PP credit to spread out large purchases so what's the point of only having a $2,300 limit? Plus these kind of random decreases can lower your credit score. I don't need them. I closed the account Reading all the stories here, my advise is if you are to open a credit account and you find out it's Synchrony Bank. Run fast and far away! No hyperbole. All they've done is take a guy with perfect credit and singlehandedly try to wreck it with their business practices. All these good reviews must be robots, people who just opened an account, or bank employees. Trust me. When it happens to you, you'll say, "oh yeah, I remember the warning that guy gave online about Synchrony Bank. I don't know a lot, but I do know that Synchrony Bank is by far the worse credit card service out there. I've used many in my life and they are the only one who have treated me this way. BUYER BEWARE!

2 years ago

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Christine Day Greensboro, NC

I applied for Care Credit and was approved through Synchrony. There was an option for card protection should I become unemployed so I chose it thinking it would be a small fee as most of my other cards charge a nominal fee. These clowns charge $46 each month. Between that fee and the interest, my balance is actually going up. This card is supposed to assist with dental and medical services and lower the stress but has caused more financial issues than if I had worked with the provider. I do not recommend this card due to high interest rates and extremely high card protection rates. I will be paying this card off with a lower interest loan and closing the account.

2 years ago

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Siddiq Shijaee Leesburg, VA

It has been over one year that I have purchased furniture from Ashley using Synchrony credit card. I keep paying my monthly fees regularly after 3 months, there was extra $3500 charges on the top of my credit limit which was $4500 since then I have been filing 4 time claims receiving no results at all. Due to their nonsense extra charges I have lost my credit score, i spoke with Ashley furniture they confirmed that I purchased 1 time but synchrony bank keeps saying that I purchased 2 times I have documents from Ashley that 1 time purchase was made only back in Jan 2021. This small issue has not been resolved in over 1 year even though I claimed 4times. I don’t know how they manage other financial matters, whenever I talk to their representative they take all info and file a claim but with no results, they even don’t do follow up call or ask whether or not the issues is resolved. This looks that synchrony bank is cheating and stealing money from people, which I have experienced during my one year. They don’t listen and always ignore customer. I have decided to reach out to my attorney and file a lawsuit as I do have proper documents against them, I hope whoever is responsible for this bank will resolve my issue seriously, I work hard day and night to build up my credit because of this baseless charges I always lose my credit score.

2 years ago

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Justin Steele

Synchrony Bank and their assorted credit cards - unfortunately also associated with the Amazon Prime card - is the worst financial institution I have had the displeasure of doing business with. I'm not a disgruntled customer that owes them money, I'm a disgruntled customer who has had absolutely no luck with their customer service or with payment disputes. I am still waiting, as of 2/11/2022, for a chargeback to show to my account that the merchant processed on January 31st, 2022. Their websites are a nightmare of popup chat boxes and surveys. Will I use you again? No. Will I recommend you to a friend? No. I might recommend you to an enemy, though. There are much better credit offers, much better banks out there. Do some research and look at their reviews - Synchrony is terrible.

2 years ago

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John Virginia Beach, VA

Wish I would have read reviews about Synchrony prior to financing a purchase through them just to receive a $350 rebate gift card. Service has been terrible. I am coming up on 4 months since my purchase that qualified me to get a gift card. I have called them countless times. They do not file your paperwork correctly unless you call them and hassle them to do it. So this requires you to make calls and file your paperwork multiple times. Once your paperwork is in their system correctly they will drag their feet in getting you what they owe you. I keep hearing “wait 10-15 days then it should come.” I have heard this 3 times. When I call back to say it hasn’t come, they are unwilling to do anything different to assist or give any sort of reward or compensation for the immense inconvenience that has occurred. It seems like they just want to wait until you just give up so they never have to pay you or give you your reward. This is a terrible company. Wish I wouldn’t have used them.

2 years ago

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Virginia Umphenour Bridgewater, NJ

They refuse to take credit card payments from my Bank of America account. This has been going on for four months. 22 phone calls, 3 chats, 18 attempts. They don't respond no matter how explicit I am. Strange thing, only one of their cards DID accept my Merrill Lynch Bank of America check payment. So they aren't even consistent in their refusa. Horrid. l did read Synchrony is known for problems with handling fradulent activity, actually breaking the law in misrepresentation to card holders. They are known for poor customer service and mistakes in all forms of debits and credits on statements. I've encountered all of this and more.

2 years ago

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ItsJeppuMan Los Angeles, CA

This company is garbage. They closed my accounts (4 including Amazon) because I’m a high risk. I have paid everything on time and never been delinquent. I have had a credit usage of over 60% and they didn’t close it. I’m currently at a credit usage of 12% and now I’m a high risk. Synchrony is not a real credit card company. They are a joke trying to compete with the major ones. I will never open a synchrony account ever again. Oh and on top of that, I lost my nearly $400 in Amazon reward because they closed my account. The customer reps are also garbage. I got hung up on twice and the third lady tried to speak over me. I had to tell her to stop talking over me to which she finally did. Worst company ever. I recommend everyone to stay away from this company and go with one of the major/reputable ones.

2 years ago

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joe lobello Boca Raton, FL

Terrible. Modani furniture and Synchrony accounting issues. Agreed that they double charged me and would remove. Account was $0 out initially and closed. Did not remove correct amount and after at least 10 follow up calls and emails, multiple apologies and customer service Reps saying would be taken care of, still not and now getting harassing emails/calls/texts. Spent countless hours of my life now on phone with their people that just yes and sorry you to death without any resolution. Nightmare trying to resolve. Worst big company experience ever! Don't get me started with their bate and swith Verizon Synchrony card.

2 years ago

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Pamela Rose Burnley Polk City, FL

I honestly never thought I'd be writing this about SYNCHRONY BANK!! THEY RUINED MY CREDIT!!! I've been with them for a number of years I started out with a store card and work my way up with several cards highest card $13,000 limit..I always kept balances low..never took advantage of the high limits and paid on time payments sometimes made 2 3 or 4 payments a month ..always using my cards but keeping balances low..all of a sudden I got an alert from credit bureau letting me know my accounts were closed!!! Then what do you think happened?? My credit bottomed out..they made me look unworthy like I did something wrong..like I don't pay or deserve a good credit score. I respect my cards..I always stay below good usage . This is wrong synchrony bank..sooo wrong..please people if you value your credit please do not deal with this bank..they do not care about how well you pay on your account or what happens to you when they just close your accounts out of the blue..my credit is ruined..I can't buy a new home .car or anything . Credit wise I'm RUINED by this bank .

2 years ago

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Percy Martinez Queens, NY

I applied for a credit card from Sweetwater (DJ/musician store) last year May with a $2k credit limit, and Synchrony is the bank in charge. I used this card only 3 times, not more than $500 in total for all purchases. I haven’t used the card since the middle of last year. Around the ending of last year I noticed on my e-statement showed me a credit limit of $300. When I called, the rep stated they sent me a letter as to why it was lowered and they couldn’t “give sensitive information over the phone”. When I threatened to close my acct, he then stated “let me check my archives”. He “found the letter” and read it to me!!!!! Apparently they lowered my credit limit due to 4 reasons: risk of lowered credit score, lack of real estate property, and 2 other BS excuses. So in lamens term: they felt I wasn’t worthy enough for a 2k credit limit and lowered it. Ive never heard of a bank decreasing credit limit because “they made a bad decision on you”. Closing a credit can negatively effect your score. I won’t be using this card anymore. Worst bank ever.

2 years ago Edited February 1, 2022

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Kurt Smutzer Noblesville, IN

The only word i can use to describe Sychrony is disgusting. I had financed some furniture through Synchrony which when this was done, the monthly payments were to be 59.00mo. I paid the 1st payment of that along with a $29.00 late fee that they attached the day the bill is due. The next payment, now min due was 187.00 with a 39.00 late fee. I tried to make next payment early and was told min payment again is 187.00..I called customer service to discuss all this and as I spoke with one female she had to put me on hold to ask her supervisor what my payments were because she apparently had no idea. After being on hold for 10 mins I got disconnected, so I had to call back which took about 20 mins to get someone on line. This time I was informed that Yes, late fees get added on day bill is due. She also said that as long as bill is paid the late fees do not add on for 48 hours. Not true, they still add them. She also informed me that the late fees will change to what they want to charge you. The first girl I spoke with, when I asked what my monthly bill will be said it will be 187.00, when I asked the second person that I spoke with what the number is, at first she said it will go to what is should be (the 59.00mo) then proceeded to put me on hold to double check with a supervisor, and came back and informed me that the payments are now a percentage of balance due so now my next payment was 167.00.. This has to be the shadiest practice I have ever seen. None of the employees can actually tell you what your payments are without having to check with a supervisor. I was lied to about what the monthly payments will be and they will absolutely rip you off by adding what ever late fee they want even on the day is due. I would not recommend anyone to finance through them. Seek financing elsewhere.

2 years ago

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Patricia Mays Landing, NJ

My account was on a payment plan. I paid $1700 in full to close the account earlier than agreed. However, The next 4 months they continued to take monthly payment out of my bank account. I have been working on this issue for the last four months and have been told anything such as a check reimbursement will come to me in 7 to 10 days and then I was told it might be 4 to 6 weeks and then they couldn’t find any information. I am beyond frustrated. Their employees are very polite and professional and I feel bad for them. They have to put up with the frustration of customers being promise something and not being satisfied.

2 years ago

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Sua Torres Denver, CO

I wouldn’t give it a star if I could. This is the 2nd month and I haven’t received my check synchrony owes me since December. I called every 15 days because they Kees telling me “oh we are going to get the request so you get your check and it takes 7 to 10 business days and still nothing. I called the BBB, synchrony bank headquarters, synchrony fraud department and they all say the same thing. They said the calles are recorded but then when you ask for the calls so they can listen to them and know I’m not making anything up they say they can’t get them. I asked to speak to the manager or to get my refund through my bank they said they can’t help. These company is the worst at helping the the irony they have by saying “we appreciate your business” well yeah they do they are thieves. I didn’t want to waste my time getting a lawyer but I’m going to have to do this. Never do I want to work with this company again. they don’t care about their customers.

2 years ago

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Donna DiCesare North Tonawanda, NY

I am upset with this bank. I had credit cards with them and they closed them all. The reason was bad credit risk. Every time I used my card and the bill came in it was paid in full. I never left a balance. I opened an account with them and after I got the card in the mail they closed it. Their customer service said even though I paid off every time I used it the credit bureaus reported I was a risk. I never heard of such bull. I will never shop at the stores that they issued the credit card again. I did send them a dispute letter but I’m sure I won’t even get a response. It even caused my score to drop.

2 years ago

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Mike Southaven, MS

If I could give negative stars I would!!! I have paid every payment on or before the due date. The last payment I made was put toward the wrong account. Was told it would be up to 30 days to get corrected and that it may go on my credit report as a missed payment until they can review and get it corrected. I had to pay the payment again just to keep their mistake off my credit score. It was their mistake, their delay in review, their failure to put my funds to the correct account, and their missed opportunity to take responsibility for their actions and get this corrected quickly so it didn't affect me (THEIR CUSTOMER!!). I paid on time and make the efforts to help get this resolved. No help at all from them!! Terrible terrible terrible bank!!!! Beware!!!! I will never do business with this sorry excuse for a bank again and have been telling my story to everyone I have passed today and will continue to do so.

2 years ago

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That Guy Levi Sterling, MA

I had a Verizon Visa and JCPenny card yhrogh Synchrony Bank. I stopped using the JCPenny card long ago because literally every time I made a payment, it would not go through, and I would have to physically show up at a JCPenny location to fix it. Then just yesterday, I recieveved notification that my Verizon Visa account was closed. I had similar payment issues as I had before with the other card...I had enough funds in my account, but they kept saying that I didn't, and I recieved "returned check" fees. I spoke with customer service. They reversed the fees, and told me that I was "all set" and 'not to worry.' That was about a week before my account was closed. Upon calling in again, and waiting 30 minutes on hold, they told me that because I had 2 insufficient fund issues on my account, that they automatically closed it. AND they would not allow me to reopen it!! The customer service reps sound nice, but they are no more useful than anything I could do myself on their janky apps. And overall, they clearly dont care at all about their customers, no matter how long or good their history is. I have over an 800 credit score, with zero late payments in over 5 years with any of my credit cards. Bottom line: ANY CARD OR BUSINESS WITH SYNCHRONY BANK SHOULD BE AVOIDED.

2 years ago

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Alan Moberly Abingdon, IL

I have the PayPal MasterCard. They offer 2% cash back which you can transfer to your PayPal account. It ran fairly well until recently. I had fraudulent charges on my card. I called them, and they canceled my card and sent a new one. When I tried to claim my $102.32 in cashback awards. When I tried to claim it online, it said it was unable to do so at this time. I looked for the award the next day, and it was gone. I called Customer Service the next day. They said it will be on the next month’s statement. (It wasn’t.) i called again, and they said it would be on the NEXT month’s statement. Also, I made a $35 purchase online. Both my PayPal account AND my PayPal MasterCard account were charged the $35. I asked the vendor if she was double-paid. She was not. I called Synchrony. They said they would research and could take up to 90 days to resolve the dispute. I have spent enough time on the phone with Synchrony! Once all my charges have appeared, and I have apid off my balance, and claimed any cashback awards, I will close the account. I don’t want Synchrony Bank in my life anymore!

2 years ago

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eddy gomez

Made a large purchase through Brandsmart almost a year later appliances haven't arrived paid 1-3 days late on the synchrony account. my minimum monthly payments are 10X minimum payment. Synchrony would not waive a two day late payment. Customer service wait is long, the bank will not provide you a forum to dispute and wanted me to write a letter to a po box. When i asked to be transferred to an account manager a Shannon hung up on me. Pretty bad experience I will never use this bank and hope to close this account in a week. Customer service is horrible you are nothing but a number to them. Their online payment system is a maze, don't use them !

2 years ago

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Patricia Christmas Channelview, TX

Never try to improve your d/I ratio by paying off Syncrony accounts first, regardless of balance or interest rate. If you do pay one off completely, within the month they will cancel your credit card, usually citing your D/I ratio as the reason. If you pay off a significant portion of one of their accounts they will reduce your available credit by that amount, citing the same reason. I’ve moved all of my Sync managed accounts to minimum payments and am focusing on the ones that will actually do my credit score some good. Then I’ll pay off Sync and close the accounts myself. Once I do, never again!

2 years ago

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Jo B The Villages, FL

The only positive experience with financing through this bank was the rate. Everything else was horrible. They are still living in the dark ages with no online access, no online payments, no app, no email.. I asked for a payoff statement and it took them 5 days to fax it to me. Who faxes things nowadays. The payoff was done via wire transfer and it went through another bank on Thursday and they did not clear it until the following Wednesday. When I asked them for a confirmation number for the pay off they said they don't do that they will mail a letter.. They give you no grace. On your payments however they owe me a check now and it will take 30 days for me to get it. Horrible. I would not do business with them again even if they offered a good rate. I would pay higher rate for better service.

2 years ago

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T EDGE Mansfield, TX

This is the WORST credit card I have ever had. I called for payoff, paid the stated amount plus 20 dollars because they hold every payment for a m I nimum of 2 weeks. Which they did hold mine for over a month, resulting in a 7 CENT balance. One YEAR later I get a bill for over $100 and a monthly late payment on my credit teport for a YEAR!!!!!!! Over 7 cents they never said a word about. I HATE these people such not a soul I know will use them. If yiu want to screw up your awesome credit use synchronicity. Every mattress store, vet and dentist around uses them. DONT! Unless you just like bending over and.....

2 years ago

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StandingCount Woonsocket, RI

I wanted to enter the New Years without any debt. So I payed of a $1200.00 balance accrued through Amazon. Late that day I realized that Synchrony had a taken out a total of $2400.00 overdrafting my account. Now mistakes happen so I figured that I would contact them and the matter would be addressed. On Dec. 30th I reached out and informed them of what had transpired, the call center informed me that there was no way of refunding me electronically that it would take approximately 2 weeks to receive a check for the refund. I waited 45 mins to speak to a manager when they disconnected the call. Livid I decided to not call back and unleash on an operator that had nothing to do with anything. Fast forward about a week later. I called synchrony only to find out that no action had been taken to refund my money. I was placed on hold for over an hour to speak to a manager only to hear some bs that my funds had to sit in theirs for 7 days before it could be refunded and that they could not expedite the shipment. now I have to wait 7 plus business days to receive the funds, once deposited another however many days it will take to clear to an overdrafted account over money that I didn’t owe anyone. Synchrony you are an extension of a company Amazon that did over $110 billion in revenue alone this past year. Amazon this company is a terrible reflection you as a whole by the way they treat the customer and seek resolutions. That was the last time I use that account.

2 years ago

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Ryan Hemphill Sterling Heights, MI

Synchrony Bank without notice closed my ABC account on 12/5/21. The account has been active since 2008 with an excellent history. With the recent Pandemic I have not used the card regularly over the last two years; however, was planing to use in the next month. I called on Synchrony Bank on 12/28 when reviewing my credit wise and credit karma accounts, since my available credit decreased. I have three accounts with Synchrony Bank, ABC, Lowes, Discount Tire. All have exceptional history. My Credit score in 795. previously they did the same thing with my Discount Tire account and I reopened the line. This causes me additional inquires and lost history, which both are a detriment to my credit history and score. I received no written or verbal notice of the intention, required action, which is bad business. I asked for the account to be reopened since I was within 30 days of noticing the closure and there was no negative information other than inactivity and I was advised that option is not available. I filed a BBB Complaint and CFPB Complaint and will never use this company in the future for a promotional purchase.

2 years ago

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Alex Johnson Spokane, WA

In all my years of dealing with banking and financial institutions, Synchrony Bank is above all the worst in these categories: 1. They do not have customer service. 2. They hide behind an envelope of low tier account managers, who are definitely untrained and ill-informed. 3. Absolutely last place for being credible and having any moral ethics. 4. The CEO is just one notch above slim and runs a loan shark mentality of an organization. 5. No policy is alike amongst their various departments. 6. The list of complaints is miles long and yet they still operate, destroying consumer credit along their corporate path of destruction.

2 years ago

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Average Customer Charlottesville, VA

Synchrony Bank took my autopayments for several months without notifying me that they were scheduled 1 month behind. I thought I was paying early on the 1st of every month when payment was due at the end. For some reason, they calculated this as a late payment for the previous month and charged me a $40 late fee for each payment, all the while sending me confirmations that my payments were going through correctly. I finally realized these late fees had added up to several hundred dollars without showing up as late fees on my statements; just hidden in fine print as "credits and fees." They never sent me any email warning that my scheduled autopayments were late, just racked up late fees while I thought I was paying early. Inhumane and cruel treatment of their customers. Never again.

2 years ago

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Betsy Lansdale, PA

I had a credit card through synchrony that I had to cancel due to poor dispute process. I canceled a purchase for 197.15 from Target and had the canceled email and was charged anyway after disputing twice. I was told that Target showed them proof of the purchase. I was never sent a letter following the dispute and was never shown the "proof" . I did indeed send them proof of the cancelation? BUT, because Target showed them proof it didn't matter. I was told while in dispute I did not have to pay the account amount for the dispute and they then charged me a late fee; which they did eventually remove. HOrrible process and I lost 197.15 dollars. Never again ..

2 years ago

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Richard Colin Young Thermopolis, WY

This is a non compliant bank. Something should be done about this. I didn't even want this card. The cashier at DSG convinced me to apply so I could get a discount on my purchase. I agreed and was approved. 4 months later I had been charged 149$ in late fees for a154$ purchase. I never received a notice about fees or being late on payment. Even paid the account off and got a email that my credit was reduced for non payment. I had the money to purchase the item at the register. I will be contacting DSG, Synchrony, BBB, whomever. THIS IS BS AND THEY SHOULD BE SHUT DOWN. Only got one cause I had to

2 years ago

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K. Kono IA

Terrible service! I have excellent credit. zero debt. Since they now manage JC Penny's cc I am so disgusted. They reduced my creditline from 2000 to 500. No explanation. I used my Penny's card did a little bit of Christmas shopping last week. Spent 280.00. now my credit score went down 5 points because I am utilizing over 50% of my available credit. When calling theme for explanation I was hung up on. I called Penny's and they are unable to assist. Surly this company does not have its retail customers best interest at heart. I am insulted and upset. My score was well over 800. I wanted to shop at Penny's to help them remain relevant. I am insulted and saddened. This bank doesn't care about consumers and definitely doesn't support the best interest of JC Pennys.They will cause Penny's to fail.

2 years ago

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dianne chester-tanis Trenton, NJ

I have had ShopHQ credit for a few years. When I sold my home , I paid off my credit cards.. In November I used my ShopHQ card to purchase a few items for my new apartment. I had no problem because I only spent $950 on my purchases. To my surprise, my credit limit of $7000 was drastically reduced to $950. I was shocked. I was informed on December 14, 2021 that a letter was sent to me informing me of this bank decision. Synchrony performed a random review of my credit and dropped my limit to $950 without any notice and right before the holidays. Now my credit is going to take a hit because of this... I will never use this card againI. How can a company reduce your account without informing the customer? I never missed a payment and always paid on time.. I have no bad credit or late payments. Their response was well: we sent you a notice in October that it would be reduced (which I didn't receive because they NEVER updated my address and sent it to the wrong address). I have had other issues too but this was the last one for me. Their service is horrible. Consumer beware of this bank.

2 years ago

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Tiana Houston, TX

Synchrony bank is a SCAM. They took two payments out of my account and when contacted them about this, they told me me they would refund me via mail within 7-15 business days. My first thought was that this was going to be a bunch of BS because come on, it’s 2021… refund me back on the card you took it off of. Anyway, 20 something days pass and I contact them about this refund and they tell me it’s been denied because I had a payment due once they billing department checked it. A BUNCH OF BS. So it’s looking like they held off my payment until my next bill was due and then reviewed it to deny. I can’t wait to pay my stuff off and be done with them for good.

2 years ago

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G15232 Pittsburgh, PA

The interest on my loan is very high. I have made ten payments on time. I missed one payment by one day. When I called, they informed me that my credit limit had been reduced. Customer service is dismissive and rude. There are few options to get an account back into good standing, especially if a customer may have been affected by temporary economic circumstances. I will not do business with them moving forward.

2 years ago

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Virginia Fleet Washington, DC

If I could give it a zero I would. I was a long time user but like most my activity (using my cards) has been limited or non existent recently due to the pandemic and other things. I go to use my card only to find out they closed both of my cards through them for inactivity.... Not bad credit or late payments. Their response was well we sent you a notice in February that it would be closed if we didn't hear from you (which I didn't receive bc they NEVER updated my address and sent it to the wrong address). I have had other issues too but this was the last one for me. I closed out everything I had in relation to this "bank". Their service is horrible.

2 years ago

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geekpryde Portland, ME

Another user posted basically word-for-word what happened to me: I received a promotional mail from this bank to open a synchrony premier mastercard, spend $1000 for the first 90 days and receive $100 bonus. However, I spent over $1000 but no rewards after the 1st billing. I contacted this bank via online chat and mentioned the bonus $100, and they replied to wait for another billing cycle. I waited till the 2nd, nothing, and they said waited for another one. Now, the 3rd, and did another online chat. When I contacted them, they said my account does not have this promotion offer. They are just lying. I would not had known this cheating bank if they had not mailed me the promotion offer. Now they refuse to give me the opening bonus. I hope I can find then original mailer, but I am not sure I still have it. They are clearly scamming people.

2 years ago

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Shuree Olson

When vehicles require expensive repairs it is nice to have finance options; on the front end everybody gets what they want: Service providers receive full payment, customers receive a year without interest and can spread out payments rather than being out a chunk of money up front. However, Synchrony Bank Customer Service is NOT the foundation of this business model and as a whole, leaves everything outside of convenience to be desired. To do it over again, full payment to the vendor would have definitely been all the better! In this patrons opinion: "any individual considering Synchrony as an option, go elsewhere! Never has any other credit provider been so poor to utilize credit service as this one! 1) Service agents do their best and still fail to listen in comprehension - they repeat their cue cards that are irrelevant to the task at hand; ask them to repeat what was said back to you and it will become clear 2) Business Standard of operating is NOT geared for/to benefit the customer. From failure to state balances on automated system, to long wait to speak with an employee, the final straw was a call made to change the date of payment. Payment changes go into effect 30+ days (?) regardless of specific reasons that ultimately are for/to benefit the creditor! Avoid Synchrony! Synchrony is NOT worth the aggravation in any way, shape, or form!

2 years ago

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Paul Suomela Chicago, IL

Doesn’t deserve even one star, but ZERO here is not an option! PayPal “Bill Me Later” was a great program! Take up to 6 months to pay with no interest (and NO MONTHLY PAYMENTS required). You could (if you chose) to make 1 payment in full at 5 months, 29 days and not pay a dime of interest. But if you paid a day after your 6 months was up, you’d owe the full 6 months worth of interest (reasonable)! PayPal “sold out” to Synchrony Bank and it went downhill from there. i.e. I made a $200 purchase in Nov. 2019 to pay in 6 months with no interest. SIMILAR to what it was before, but now they required a minimum monthly payment (that’s reasonable). Two weeks later, I made a second purchase for $1300 during a promotion to split the charge for 24 equal monthly payments (also reasonable). Now, I’m the type of person that NEVER pays just the minimum, in fact I usually pay off my debts well (and I mean well) before due dates. In December (the following month), I made a $200 payment to be applied to that oldest charge IN FULL, and they applied only $28 to that, and the rest to the newer $1300charge. Now this left me a balance dur of $172 to that oldest transaction (remember, this one has to be paid off in only 5 more months, the other in 2 years, BUT my intention was to pay it off IN FULL). So I called Synchrony, and the person I talked to gave me a bunch of mumbo-jumbo and said they can’t allocate the payment already made to where I wanted it to go, but if I made another payment, they will allocate the entire payment to the oldest charge, and so I sent them $172 right then, I was promised it would CLEAR off the earliest charge. A couple days later, I show a balance of $56.26 still due, the rest had been applied to that newer charge... AGAIN!! I called again, this time to pay another larger payment to not only to (for sure) clear that $56.26 left, but to bring that total amount on the account down to $1000 even. Of course, they applied that total payment to the more recent charge and that $56.26 still showed on the earliest charge!! So you see, no matter how much I paid, they insisted on keeping a balance on that $200 charge no matter how much of my total balance I paid off. This way, I would likely still owe on that first charge after the 6 months had passed, and now I’d owe 6 months of interest despite my exceeded efforts! Dishonest swindlers! So now in just over a week’s time, I made several payments to total 1/3 of my entire $1500 debt with these jerks, AND within the first 5 weeks. THEN the very next day, I get an email stating that I have a minimum payment of $84 due in 3 weeks!!! I chatted online with Reynold S. and explained what had been happening, despite the efforts I’ve made. He turned out to have a RUDE tone, and would not make any effort to correct my account. He just kept saying I have to make another payment before the due date, despite my most recent payment being posted YESTERDAY! I immediately paid off the $1000 balance and have washed my hands of this horsesh*t company. I paid off a debt I could’ve taken 2 years to pay off in less than 6 weeks and within 2 weeks because I won’t do business with a dishonest company that won’t reasonably work with me, who is not a credit risk and with a top rating. PayPal Credit/Synchrony Bank can KMA! They should not be allowed to continue to do business, they’re screwing people who try to pay off their debts. Where are the Feds?

2 years ago

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Nelson TX

Well I have a Belk's card thru Synchrony. My initial credit line was $700, I have always paid well and kept the balance below 20% usage and many times paid the full balance before the 30 days. Synchrony bank decided that they would drop my credit line to $230 putting me at 90% usage. I called their customer service department to see what is going on their customer service is HORRIBLE! to say the least they have a could care less attitude. Their explanation for the decrease is that my credit score changed in Transunion therefore they had decided to cut my credit line by $430 without any regard for my payment history with them THEY JUST DO NOT CARE! Synchrony is the only bank that has done this with me all others have kept their credit lines in tact which speak very highly of them and very poorly of Synchrony's business ethics. I have decided to pay off and close all credit cards of mine 3 in total that are linked to Synchrony and will make sure not to apply for anything with the Synchrony name on it. I work currently for a multibillion dollar nationwide company that offers Synchrony for one of the financing options and I will make sure to spread that word about their unethical business practices and for customers to BEWARE!!! WAY TO GO SYNCHRONY!!

2 years ago

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Derek Snyder Fort Plain, NY

Horrible incompetent bank. Did a home improvement that had a 0% interest for 18 months using Synchrony. I chatted with a Synchrony customer service rep to help ensure I set up autopay correctly - basically taking a fixed amount that would pay off the loan in 18 months (about $600/month). He ASSURED me it was setup correctly. To my surprise, they took out the entire amount of the loan for the first payment (almost $12,000). Talking to a real person is very difficult. And they are basically refusing to fix this to my satisfaction. They can "mail" me a "refund", which will take about a month. Meanwhile, I have a huge deficit in my bank account, and these games will only further screw up any autopay I want to set up. I asked if they would pay my checking account fees over that time. On hold for over 4 hours total. hung up on twice. Dropped from online chat 4 times. Was asked to confirm with my bank that the payment had been made and I couldn't otherwise cancel it. Was told to call back particular person to continue. But no direct line, and calling the customer service number, they WON'T connect be back to person. So more hold time. And they want the info FAXed! A FAX in this day and age! One star is too many. Stay away from this financial institution. They are incompetent. On hold for hours, and still not fixed. Online chat is worthless. Wish I had checked online reviews previously, but years ago, I had made a similar purchase for 0% interest that used Synchrony. All went smoothly then. I assumed it would this time around. I was so wrong! Even though they call themselves Synchrony Bank, they claimed to me that they are not a bank. They refused to just deposit the money back into my account. Poor online account access. Hard to use. Customer service is a joke, if you can actually get to them. You have been warned. Read other reviews. Stay away.

2 years ago

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Mike Schader Anchorage, AK

Synchrony Bank. Bad service. Using them as a prime member of Amazon. A primary reason I use Amazon is expediency. Quick delivery. Although my Synchrony Bank account has been paid up, with zero balance, they repeatedly have been declining my charges via Amazon for no apparent reason. Customer service via internet is nonexistent unless you enjoy getting run around by a robot with no answers. Finally, after much automated diversion tactics by robot phone service I talked with a real person. They indicated that they have been declining my card because I ordered a package to be sent to my brother in Arizona so they froze my account. They made no effort to contact me as to their freezing my account. They apparently want you to attempt to navigate thru both their online and phone robots (robots that try to avoid your talking to a real person) to get to a real person customer service representative. Then you verify your mailing address and they say everything is now OK so you will go away. So at Amazon, they decline your purchase again and steal your rewards points. Back on the merry go round. Still no satisfaction. Various perpetual holds, and "accidental" disconnections.

2 years ago

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Shawn Jackson New York, NY

I’m not understanding with all these bad reviews how is this bank still open. We all need to find a way to report this bank so that it closes. It’s ripping people off and affecting their credit. I had two accounts with them in which I attempted to pay. I was hospitalized due to covid and fell behind on my bills. I was out of work for months and reached out to pay them. They sent me a letter of settlement on the accounts and when I reached out to them they told me I couldn’t do it because I had consolidated my bills. Then they turn around and write the accounts off as charged off on my credit report dropping my score 50 points . This bank is sad and I say we look for ways to get it shut down with its fraudulent activity

2 years ago

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Mary Ouellette Colorado Springs, CO

Over the past 2 1/2 years this is what I experienced. They gave me a credit limit of 3,300. I use $3,000 for a wedding. I made a $350 payment. The next month, Synchrony lowered my limit to $3,000. Which affected my credit score, by stating I was still using 90% of my limit. The next month I paid $300. Synchrony lowered my limit to $2800. Credit report again showed me using 90% of my limit. This happed again, where my limit was lowered to $2,700. I paid the card off, and got one more charge of $37. I just paid it too. I have not used the card for only 4 months. This month, Nov 2021, I check my credit and it states my score dropped Again, because the Synchrony card has been closed. This I found out AFTER wanting to use the card for incidentals at a hotel (in Vail,CO). How Imbarrassing, even though I knew my card was not maxed out. I was told, the card was reported Stollen and they needed to retrieve the card from me. (Not Sam's Clubs fault, but the reason I got the card, was because of my membership). Synchrony is hurting the businesses that use them.

2 years ago

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Mattie Mullen Newnan, GA

Worst bank ever! Trying to start my credit line and applied to buy furniture for our new home. Without even telling me they decreased my credit limit and then a month later closed the account. It was 12 no interest on a $3,000 limit that in less than a year is down to $1,800. Always paid on time and more than the minimum payment! When I called they said they reran my credit and I no longer qualified. Wait you reran my credit WITHOUT my consent. They said in their fine print we give them the right to rerun credit. How about talking to the person about circumstances or whatever. This was done on 2 cards. One of my husbands and one of mine and we never missed a payment!

2 years ago

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Ana Amaya Los Angeles, CA

I’ve been client of Synchrony bank for years! I’ve been using my credit card correctly and always paying on time and one day they decided to lower my limit with the excuse that my credit was not ideal (which was Very good at that moment) affecting my credit now for real by losing 40 pts. I called customer service for help and honestly I was crying because this is so unfair! It is being so hard for me to build my credit and one one day they just decided to lowered my limit and affecting me and my family that way! It’s hard already since covid and you are just making it harder, I trusted synchrony bank and they just turned their backs on me. They just told me “Their nothing we can do” Sad

2 years ago

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John Goad Pulaski, VA

I have four accounts with synchrony. One opened.with a vender I made a large purchase with that offered 48 months at 0%. The other three were existing accounts that were taken over by synchrony. All four accounts are set up on autopay. For months this worked fine. In august of 2021 I was charged late fees on all four accounts because synchrony says they can not verify my account. Resubmitted checking account and routing number, only to get an call a few days later telling me. It still will not go through. Per my bank, synchrony never tried to access my account for any of the four payments. After at least 8 phone calls over three months, it has still not been rectified. After being contacted by consumer affairs with synchrony. I was advised a third party vendor was the problem. The third party vendor verifies the account info and then synchrony takesmpayment. Per the third party vendor, synchrony has not run my account through them since july (the last time autopay worked) When I called consumer affairs back, I was.told that they would.look into it and get back to me in about 10 days. 19 days later no word. But another call from the account people telling me my payment was denied. Ironically I was standing in my bank when the call came in. Spoke to the bank in person. NO activity from synchrony was noted on my account. They never attempted to take the payment. Called and.spent 1 hour and 48 minutes on hold waiting into talk to someone. Just hung up

2 years ago

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Jeramy Johnson Queens, NY

After four months of having the card I finally used it. My credit limit upon approval was $2500. In September I charged 1360 . Today I got an email stating my limit was reduced to 1400. Wow, what a slap in the face. Their reasoning was that I have too many high balances, no real estate loan information and my revolving credit is too high. Only loans that were high were federal Loans and my home is paid off. So of course I have no real estate. The only credit card shows high utilization is now theirs! What a sham!!! I would Only use their card to by a pack of gum just to keep it active. I will encourage anyone not to apply or use this bank. Their actions have compounded the idiocies of the credit game. No value to their consumers. I wish I could give negative stars.

2 years ago

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Ms. KoKo MA

April and May 2021 is when I opened to lines of credit with Synchrony. One to purchase tires for my vehicle the other to purchase a new bed. I paid the promotional balance off for the tires and make my monthly payments on both cards on time every month! It's been great until 10/26/21. I had an appointment for vehicle service at a Dealership. I checked my card yesterday and had almost $450 available of of $700 credit limit. I got my vehicle serviced, went to pay and low and be hold the card was declined for the $450. I call Synchrony because I'm afraid someone stole my card information. The representative told me that because my credit score dropped my limit was lowered!! They mailed a letter. WTF!!! Y'all could have emailed me!!! I told her I had just looked at the card last night!! I didn't have much money. But thanks to the Manager at the dealership being sympathetic, they slashed off $100 and I was able to use all the money I had left in my checking account, plus another credit card!!! I WILL NEVER EVER RECOMMEND OR USE SYNCHRONY EVER AGAIN!!!! I WILL BE PAYING THE CARDS OFF AND CLOSING BOTH ACCOUNTS!!! THIS IS BAD FOR CONSUMERS!! STAY AWAY PEOPLE!!!

2 years ago

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Brita Anderson Superior, WI

If I could rate Synchrony zero stars I would. I have to deal with them at least once a month, the customer service is awful, if I pay off my balance monthly and continue to use my card, I get a $40.00 late fee for not making a payment on the due date, my credit score has gone down while continuously paying off balances, and after the 8th month in a row having to call to dispute issues, I was mad enough to swear at a supervisor and all 3 of my synchrony cards were closed and a late fee assessed to 2/3 of these cards when payments had been made within 10 days. Overall, they should be closed and charged with fraud.

2 years ago

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Mhyrynde Noa Troy, NY

DO NOT TRUST THIS "BANK" -- I received an invitation to apply for the Amazon card, followed through and was subsequently denied because they could not verify identity". One would think that a credit-card issuing bank would verify identity to some degree before indiscriminately sending invitations to apply. Spoke with Teri Weathersby, Office of the President at Synchrony Bank, she has absolutely no ability to see the inconsistencies in their process--she insists they try to reduce fraud via internet applications, yet they use the internet to solicit applications...??, and she (and likely anyone at Synchrony Bank) could care less about the hit to your credit score for the inquiry. Shameful.

2 years ago

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Ramladon Topeka, KS

As long as you don't have any issues they work fine. I had a card with them for 2 years Sam's Club credit card. I received a text stating that my there was suspicious activity on my card I confirmed it was me. Then they froze my account. I called their fraud department and it was someone in India which is the home of telephone fraud... I thought maybe it was just bad luck and it was the representative. I called again and it was still India. This time someone working from home... I can understand a company cheaping out and having some of their customer service over seas but, their fraud department?!? That is inexcusable. They wanted me to send them my drivers license and other personal information to turn my card back on. I'm not sending that to someone over seas. I am going to turn my card off and will never have business with Synchrony or anyone that associates with them again. I was spending 2 to 3k on that card per month lost a good customer just because you want to be cheap.

2 years ago

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Jeffrey Lee ‘Aiea, HI

This bank backs the two worst credit cards I've ever had. They're miserably behind the times, the fact they have no app in this day and age is laughable and inexcusable. Payments have to be done on an actual full browser website because their mobile site is borderline unusable, and they take forever to process, leaving the card unusable for days at times. The worst part is their fraud/scam protection is a joke. Got scammed, filed a claim, refused. Re-opened back up with more evidence, refused. Re-opened with conclusive evidence, refused. Now, closed one account, and only use the other for $500 ish/month when I used to use it for $20,000 ish /month. TL:DR - I would basically prefer any credit card by any other bank besides this one, it's so painfully awful

2 years ago