Synchrony Bank
Is This Your Business?1.1
3.2
Overall Score
Jeanette Koelsch
I've had 3 separate credit cards with Synchrony. One of them was a Lowes card with a limite of $4k, Sams Club with a limit of $500, and Care Credit with a limit of $2k. I used my Lowes card and purchased a few things, paid it off and within 3 months of paying it off they lowered my limit to $400. I paid of my Care Credit one and they closed it 3 months later. They lowered my Sam's Club one from $500 to $300 to now $200. I have not been late on payments, have had auto pay set up, and my Sam's Club one, I pay off monthly or bi monthly since it's so low. Other companies keep raising my credit limits with my cards, but Synchrony just lowers and closes. Would not recommend opening a card with them if you are trying to increase your credit score.
1 year ago
Lisa L
My wife and I both have Care Credit accounts as we have a dog and cats. We opened these accounts when our dog became very ill and needed emergency vet services, totally over 7000.00. We paid on time and more than the minimum due, we paid off the total balance before the promotion ended. Synchrony reduced both of our credit lines for a total of 5000.00! They had no explanation. This was a huge hit to our credit scores! My wife has a QVC card with Synchrony, they gave her an 1800.00 credit line. When she made a payment bringing the total due down to 200.00, they lowered her credit line to 225.00! This caused a huge hit to her credit score because it made it look like she was using over 95 percent of her credit line! They had no explanation. This is VERY POOR BUSINESS PRACTICE. DO NOT OPEN A SYNCHRONY ACCOUNT.
1 year ago
Jessica Morgan
Purposeful scamming done legally! I bought a mattress on credit and per usual process, was told Synchrony would contact me with the billing and payment information. Synchrony did not contact me until I received an email stating that I had 2 late fees for 2 late payments. Upon calling the service number on the email, I was given payment and billing information. They said I had not received information because I was set up on paperless (which is automatic when you set up an account). I told them I did not feel I should be charged late fees as I had called the mattress company and been reassured that Synchrony had just not set up payments yet and had received no communication from Synchrony. They said they would waive the fees, and we set up automatic payments. The next month, the fees were still on my account. Upon calling back, they said they can only remove one late few. The agent was unapologetic, short, and rude. That billing set up seems like a purposeful scam.
1 year ago
Steve Redmond
This bank is the most non customer friendly company I have ever delt with in the 75 years I have delt with Banks These people do not have any business dealings with the public under any reason. They insult you with the emails and promises to do things and do not do what they say. I would love to tell all but my language would be to nasty for most to read. The CEO should step down due to poor leadership.i like working with Chase but these Aholes are not worth working with. Lowe,s needs to find another bank to work with before Synchrony bank runs all the good customers away. The worst customer service anywhere.
1 year ago
Bert Davidson
Keeping my money hostage
They did not execute a wire transfer to a verified account in which time was of the essence. Instead they blocked my account for a "review" that would take 3, 4 or 10 working days in which time I cannot use it, without being able to give an explanation of the reason why. They are not going to notify me of the result, I need to call them now and with representatives who will transfer me to others at least twice. Last time I was hung up three times for a total speak time of 1.5 hours. The bank has no rates above 1. As soon as I can I will close the account. I recommend that you do that as well.
1 year ago
Amanda Szymanski
I had two accounts with Synchrony. One account for Car Care and another for TJMAXX. I had previously used the Car Care account for repairs earlier in 2023, so I signed up for the TJMAXX card December of 2023. I never received a credit card for the TJMAXX account, nor did they provide me with the account number. I had tried to log in to pay the bill and could not log in. I had contacted the company about this concern multiple times. I requested to be given the account number they stated they could not, but they would send a bill in the mail. I did not get a bill until June 2024. Even after receiving the bill with the account number, I was still not able to log in on the app or online to pay the bill. Because of this my credit has decreased by over 150 pts. In April 2024 I called a Synchrony Car Care representative and requested to pay the remaining balance and to close the account. I was told that they were closing the account, and I paid the remaining balance. Since I was having such a bad experience trying to pay the TJMAXX card, I decided to double check the Car Care account late June 2024. There was a balance of $324.18 in late fees and interest! I called and spoke to the manager. He was giggling and joking which I found to be unprofessional. He stated that we could resolve the TJMAXX account by waiving the late fees, but not the interest. I paid the balance of the TJMAXX account, and after paying he stated that I will still receive charges to that account next month which I found frustrating. They stated that when I called to pay off the car care account and close it that they only charged me for the "promotional balance", and I still had a $117 charge on the account and since April it's accumulated interest and late fees. Now that also has negativity affected my credit and I had no idea. I stated that was not acceptable and not what I had requested. The manager said there's nothing he can do that I have to pay it. I find that to be completely unacceptable.
1 year ago
Jessica Mantia
Of all my nine different creditors, none have ever decreased my credit limit on any of my accounts except for Synchrony! Not only did Synchrony decrease my credit limits on all my cards with them, they also removed all available balances.
We are talking about thousands of dollars I had available and left my cards at 98% usage, maxed out! What a low, malicious thing to do. Synchrony also decided to remove $3000 available in credit on my Sam's Club card two days before the 4th of July. There went my huge 4th of July party!
How thoughtful of them! I can't wait to now pay off all my forcibly maxed out accounts with Synchrony so I can cancel the cards and stop doing business with a company that cares nothing for their customers. Mind you, I have never made a single late payment to them, all accounts 100% in good standing.
And this is how Synchrony treats its members! Don't do business with this company unless you want to be treated like garbage.
1 year ago
Trenice Lane
Read the reviews. I had no warning or emails, and they closed my account after being with them for over 3 years. They took money out of my account, and when I asked for a refund I was told I would receive the money back to my checking account within 7-15 business days. It's been over two weeks and I found out they issued a check to an incorrect address, after verifying they would refund it to my checking account. Speaking with 3 different people from India and each one had no idea what they were doing, and hung up in my face after expressing concerns and the misinformation. After I pay off this credit card, I will NEVER return to do business with this company. They lost the check, and now I will have to wait another 3 weeks to get the money they took out of my account without my permission. Lesson learned.
1 year ago
Kay True
I had a Lowes card and still have a Sams Club card with this bank. So, in April I receive a notice telling me they are reducing my line of credit from 8,000 to 2,000, just 30.00 more than what I owed them. In May, a month later I got a notice they were closing my Lowes account.
They used the excuse that I had high balances on my other cards, yes, i did. However, had no lates, no bad remarks, etc for over ten years. This just plummeted my credit score and here I was/am paying off my credit cards to get out of debt. And then this was just devastating.
I also called and they did not care, cold- blooded, and non-American bank. I, of course will never shop at Lowes again and I am paying off my Sam's now.
It was such a cold non-caring thing to do at a time when a lot of Americans have been using their cards to survive the hard times.
1 year ago
Hawk Hawk
Synchrony Bank removed my reviews from BBB twice! Obviously, they are fraudulent! So I am here to re-post my damn review here!
Synchrony Bank is BIG FRAUDULENT, FOOLING, SCAMMING PEOPLE’S MONEY AND CHARGING US MORE LATE FEES! HORRIBLE!
I opened my Electronics Online/SYNCB/OWC account for purchasing IMAC desk computers. I did paid my bills on time, 3rd of every month but seems, they are fooling to charge me late fees every time after I paid my bills on time, 3rd of every month! Sounds like they are trying be greedy to get my extra money from many late fees after I did paid my bills on time! I wanna have FBI to investigate Synchrony Bank and see if seriously, they are fraudulent for charging me and other people many late fees! Bust them and sue them for their fraudulent! Remove all late fees from my Electronics Online/SYNCB/OWC account! I am tired of this hearing world! I am tired! No customer service there! I hope someday customers will sue them real soon!
1 year ago Edited June 21, 2024
Steve Dinsmore
Synchrony Bank is no place to get a credit card. I have an Ashley credit card with Synchrony bank. I was approved for $1,000 credit limit. Been making my payments all of the time. Now I find out they dropped my credit limit to $700. So I bought furniture from Ashley. I now owe $678 on my card, and now they say my available credit is $83. They say they reduced it because I have to many other credit cards with big balances. When I asked them questions on how and why they could do this, no one there was smart enough to give me the right answer and hung up on me twice. This is the worst bank I have ever worked with. Please do not get involved with this Rinky Dink ooperation!
1 year ago
Erica Knox-Wachiwi
Charged me fees I didn’t agree on with my credit care card. They kept hanging up when I tried to resolve. They lowered and canceled other cards which ruined my credit when I wasn’t late and didn’t have a reason. No notice given. Finally when I demanded my card be refunded and fixed or I wouldn’t pay they took me to court and sued me for the remaining balance and of course no matter what proof you have in court a judge with always side with a huge bank. They also closed my account so I couldn’t access any statements in court and even after I requested they send a full print off. I never received it. Don’t use them. If you have good credit, they will ruin it! Their customer service is the worst and they do things most other companies do not.
1 year ago
Samantha Dumon
had two cards with them, both at separate times and with separate retailers were canceled immediately after paying them off within a promotional period. This screwed my credit both times, the first time inconveniently when my dad passed and nearly made me miss his funeral. They didn't care. I tried calling them and asking them why, all I got was 'your credit is no longer what it was so we canceled you' like really? you dont say? THAT'S HOW CREDIT AND LIFE IN A PANDEMIC WORKS!!!!! Trued reporting them through the BBB but they are clearly in the bank's pocket, go figure. Stay away from them if you value your money.
1 year ago
David R Lord
We became involved with Synchrony Bank when we purchased a Sleep Number mattress. At the time Sleep Number offered a financing offer that we were initially not interested in; but, because it involved a 0 % financing over 48 months, we said why not spread the $5,000+ cost out as it cost us nothing to do so, We were instantly approved and made our regular monthly payment for six months. We suddenly received a notice that the terms of our "contract" had changed.
Now, because this was a "promotional" event in which we received a 0% rate, we would now be subject to a 2% "Promotional Fee" for the total amount at the outset of our transaction, we would be charged $1.99/ month to receive paper statements, and the fee for any "returned payment" would be $41.
None of this was part of our original agreement, and if it had been, we would have rejected the whole concept as it is ridiculous and a misrepresentation of 0% financing. So, in essence, this was a "Bait and Switch" maneuver.
We immediately paid off the outstanding amount and will be canceling the credit card that we never wanted in the first place.
We refuse to be associated in any way with institutions that engage in this sort of deceptive behavior, and this is the last we will ever be involved with any banking or credit activity through Synchrony Bank.
I would recommend that anyone use great caution when dealing with a financial institution that apparently has a track record of inaccurate statements, and feels that it can blithely alter the real terms, and the spirit of the terms of any agreement it has with a consumer at any point in time. Buyer and deposited Beware!
1 year ago
Megan Kaplan
Would give zero stars if possible. I had an account with them with a $1500 limit. Have never been late, I got hit with unexpected medical costs and used this card. They decided out of no where to drop my credit limit from $1500 to just above $800 (which was where my current balance was at the time) they never gave me advance notice of this. That skyrocketed my utilization and they didn’t care.
I also provide assistance for my elderly mother. She had a care credit account with them. She always paid the account in full and on time. They closed her account with no warning. She got an email stating that because she didn’t own a home, they closed her account. She’s in her 70’s and lives in an apartment, so that makes her less worthy of having a credit card?
1 year ago
Joe M'Hamma
Horrible experience! Avoid them completely. They swapped the cards I had on file and started charging me money without my knowledge. I was only notified when my payment was late. The primary reason I got the card was to improve my credit score; I don't need additional credit as I have plenty. I'm extremely frustrated with their awful business practices. Two months ago I completely paid this off and closed it out because I was so furious and mad then and now I just found out today that I have some kind of other magical mysterious charge along with another late payment when this was supposed to be 100% taken care of paid off and closed 2 months ago. Makes no sense to me. Seems like a total scam. They seem to hide the bills and only inform you about the money you owe when you're already late, to collect interest rates and damage your credit. They don't care about their customers and appear to take pleasure in causing widespread dissatisfaction. I've been a satisfied Amazon customer for over a decade, but in just six short short months, my opinion has completely changed. I detest everything about them and hope they face legal consequences and go out of business soon. I eagerly anticipate a class action lawsuit that might lead to significant repercussions for the company.
1 year ago
LIS M MOREAU
I had a CD with Synchrony Bank for $60,000. I notified them of an address change early January prior to my CD maturing at the end of February. Two days ago, on the 11th of April, I was notified by my new bank that Synchrony had finally transferred the money; however, they had deducted $898.92, claiming I had withdrawn the money early! I have tried so many times I cannot count, to contact anyone at Synchrony Bank but it is impossible. All I get is a chatbot or someone who isn't even qualified to discuss banking. How does this continue to happen when it has been reported for months now, that other consumers have suffered similar losses. Because of their negligence, I lost the opportunity to invest nearly $62,500, at 5.75% interest. During the time they were “reviewing” my account to “potentially” release the funds, as though it were not mine- they claimed that I failed to contact them regarding the address change and then they put me under some kind of “investigation,” that not even my Wealth Management Bank could resolve. I wanted the money sent back to the bank from which it originated- so Wealth Management could then transfer it to another bank. They refused to discuss the reason why my bank- Northwest Bank, was not an option. My family has been banking there since 1988. Every time I confront Synchrony Bank about their negligence and gross mishandling of my account, they blame me because I failed to contact them. Classic projection and victim shaming is all I got from them. They refused to let me talk to a real banker that could help me- because they didn’t care. They kept me from three opportunities and then promptly took three months worth of interest away from me for no reason. I am at my wit's end. I'd rather put my money under a mattress than go through this again. You felt you were entitled to keep my money. I am mortified at their behavior. They kept telling me to document it in their app, and upload everything that was necessary- three different letters from other banks saying the address change was okay with them. They wouldn't transfer my money and they wouldn't write me a check either. They keep telling me to use the app and I swear to God they never read anything I sent them. Everyone else sent me a check either to my home or to my bank of origin within 24-36 hours. I have contacted everyone I can possibly contact about this issue. The way I have it figured out, if Clark Howard says Synchrony Bank is safe, then it should be. I just finished writing to the folks at the Clark Howard Show, to see if they will let me tell my story on the air.
1 year ago Edited April 18, 2024
Mike Bartley
I tried for 2 days to change my contact information. They had an old phone number on file and I had to call for them to change it. First they sent me a link where I had to take a 5 second video of myself and then had to scan in my id neither of which worked very well. After that their system sent me a passcode to call back and give to a rep. The rep had no idea what to do with this passcode. After calling back several times I was finally transferred to the fraud department for verification. That rep also did not know how to handle my situation however she contacted someone who finally gave her permission to change my contact information. The next day I went online to check my information to find out she did not update my phone again not allowing their system to send me a passcode so I could do it myself. I have two accounts with Synchrony and notice the other account wanted to send me a passcode to a phone number that I don't recognize. So I had to call again. I ended up raising my voice to this rep because he couldn't understand what my problem was and he hung up on me. So I had to call again. In the meantime I receive a digital letter from their fraud department for me to use for the next 30 days. I called the number listed on the letter and I guess what? That rep had no idea what to do or how to use that passcode. At one point while I was waiting for the fraud department rep to update my account I went online while I was waiting and updated 8 of my bank accounts in about 15 minutes. I spent about two hours over a period of two days trying to get them to update my information and it still is not done properly. I ended up closing one of my accounts which I was able to do over the phone without a rep. The other account I plan on closing once I pay off the balance.
I will never do business with Synchrony Bank again. They have one of the worst customer service systems I have ever seen and I worked in customer service for over 7 years. SYNCHRONY BANK IS THE WORST!
If I could I'd leave a zero-star rating I would!
1 year ago Edited April 4, 2024
Robert Lino
Where do I start with Synchrony Bank. I first used them for care credit in which they refused to honor the interest free financing. Paid them off as fast as I could.
Now they close a second card I had with them without even notifying me that the account was closed. In my state of they are going to close a consumer credit card the company is to provide at minimum 30 days notice in writing. However that never happens. By doing this they destroyed my credit.
The cards are always being hacked. I had my PayPal card and Amazon card hacked multiple times. Each time they refuse to do anything and blame me for it. When it was on them.
Now with them closing my card without notice I refuse to give them another cent. The DOJ needs to investigate Synchrony Bank and close the company down. If I could give them -50 stars I would. I would advise everyone to stay clear of them.
The DOJ needs to investigate this fraudulent company and shut
1 year ago
J o
Seems to be a very consistent concern with Synchrony Bank. I'm paying them off, making adequate payments, using some cards or not using others and then out of the blue I have a huge credit drop. They have at random cut my credit limit to $300, from $3000, stating a concern with credit inquiries. Then again, out of the blue, cut another card from $3000 to $2,250, no explanation. Card is being used correctly and paid off. They have destroyed my credit and one of the reasons they state for lowering credit limit, my credit score, that they lowered due to a sudden decrease. They have a monopoly on stores, but they are shady, scam artist and what they are doing needs to be looked into as fraudulent and illegal.
2 years ago
Chris Robinson
I would like start with saying this, if I knew this credit card company operate with poor standard and practices, I never would have sign up with them for the guitar center credit card. I sign up for the card to buy equipment for my local church. I had the card for over 1 year and half. Use it made purchase and paid card off not a problem. After that I used the card again an I noticed after the 3rd set of purchases my credit limit was decreased. A was sent a email that they are decreasing my credit limit. It didn’t make sense, because I was paying on it and using it and never had a late. Then yesterday was the last draw! I’m at work, I check my email, a saw I have a letter from this company(Synchrony financial) saying they made a decision to close the account. Now I can see if you are late all the time or don’t pay. I believe that is warranted of account closing. But if you make all you payments on time and this month made a double payment to pay it off and you close my account and I have credit and not behind that’s unethical and bad business practice. I have sent a letter, to attorney general office, bbb and complaint board. An after reading comment I will share my experience with my followers on social media to warn people how this company treat people.
2 years ago
Kristin Scott
I have several accounts with Synchrony Bank. Last month they lowered my credit limits across all accounts to where the balance was. I have NEVER missed a payment, Doing this screwed me over on my credit score, it dropped pretty drastically because my available credit to debt ratio dropped. With all the accounts, they dropped my available credit down about $5k. How I hate them... I worked so hard to bring my score up - always paying on time, always paying more than the minimum. Now my goal is to pay them all off and never do business with them again!
And then a loan I have with Ally got transferred (or bought) by these fools.
And for the record, Synchrony... your reasons are bull... I don't have a home loan BUT I own a home - so what's your problem?
2 years ago
Persistent Dreams
Had some plumbing work financed through the Synchrony Bank HomeCare card. Never again! Was waiting for my first statement to make my first payment. In that time, the balance was added to my account, pulled off as if I made a payment for the whole thing, added back, and pulled off again, ON THEIR END. It was only fixed because I called them to fix it. It appeared fixed so I set up a payment through my bank. Payment goes out, I check the SB website, it says my account is closed. They tell me it's because my first two payments (the ones I never made) were rejected. Then they lied and told me they informed me the day before I sent my actual payment. Now I'm waiting to see where my actual payment ends up so I can dispute it if necessary. Read the reviews. Stay as far away from this "bank" as you can. They are either a scan or totally incompetent.
2 years ago
Faith W
HORRIBLE bank! I (had) a 785 credit score with no payment issues with this bank or anyone else. I was in really good shape. Out of no where, they closed all of my accounts stating I was a payment risk??? I have no idea where this came from? there is NOTHING to warrant this! Icing on the cake, I had monthly payments given to a charity taken from my credit card with them which they closed. I had to receive a letter from the charity stating they were unable to obtain payment.....there was NO reason for this....... please read the numerous reviews with my same complaint. I understand taking steps to ensure the safety of the borrows and the bank, but they are way out of line
2 years ago
Christine Russell Columbus, OH
I have been with synchrony bank through value city furniture in 2018 till now I was shot in my neck and needed to have surgery and I was still putting something on my account but that wasn't enough for synchrony they closed all three of my accounts because my credit scored dropped. That's how you'll conduct business np thank you. And customer service was terrible. I would never recommend synchrony bank to anyone. Company trustworthiness lol your COMPANY must be in training or take it off all together because you'll don't trust any one you'll are in it for the money
2 years ago
Jayme & Jon Boettcher Salt Lake City, UT
Our payment on our loan was due on the 5th of the month. Due to a change in our payroll, we chose to pay ahead at the end of January, so we would not have any chance of being late when our next check came in February. These crooks are now telling us that we own them a 30 dollar late fee. Apparently by making a payment before the statement was generated, they did not consider this our normal payment and therefore they claim that our February payment was not made on time. They did this even though we are multiple months ahead on our payments. This is ludicrous!!! I’m very disappointed that I could not give them less than one star for the review!
2 years ago
Review Source
Heather Saint Paul, MN
I seldom give poor reviews because the world has far too many critics. However, your phone system/ communication lines are sub par. The fraud team flagged our card due to a high risk transaction at Walmart. I appreciated the concern at first, but the card has not worked properly since this date. We have called 4 times to have the "card turned back on" only to have it declined for our normal pattern of spending. Moreover, your customer service team has poor communication with transferring back and forth and is unable to help with basic transactions. We have given forgiveness 4 times in the past month...with no results of fixing the problem or any sort of compensation. I am embarrassed for this company.
2 years ago
Kush Scott
I wish I could give a 0. Like the OP they cut you off then send an email with a letter from 4 months prior with irrelevant data.
They cut one of my cards from 1000 to 100. Who the hell has 100 credit cards. That’s gift card status. They really suck I advise everyone to stay away from these scumbags even this review is a scam. I put all 1’s and for the NPS question at the bottom I put 0. Then it tells me I 80% finished the review. After looking back I didn’t omit anything so I decided to test and changed my NPS question to a 10 and then they say I filled out the survey 100%.
I am submitting this scam review process to the better business bureau and the NPS team for forced hi scores
2 years ago
chris alessandrini
I give the 0 stars. They are the worse card ever. I filed a dispute when my card was lost. They told me they would take care of it and remove the charges. About a month later the charges were put back on my account. I called them and they gave me no response as to what happened and re stated the dispute on my card. This account was once used for my sick dog. My account was at steinbech vet clinic which is where the charges were made. I did not approve of whatever they did to her she died! synchrony should be ashamed! These crooks are still trying to get money that's wrong on so many levels! Shame on them!
2 years ago
Diane Jessop Fishers, IN
I would give a zero if I could. DO NOT use any card from them. Thanks to them my credit score has went down over a 100 points. First they cancelled my long standing card, then lowered my Amazon account down to 300 when it was 1500. Then they lowered my Verizon card from 2500 down to 300. Now since they lowered it I still had like 25 available credit. For whatever reason they are now saying that I am over the credit amount. I just paid over a 100 on it and so shouldn’t be no where close to being over. I have NEVER had a late payment on any of my cards. I have paid all of them 2 weeks or so before the due date and over the amount that was owed. I’m so over them and would not recommend them to anyone. I worked so hard to get my credit up just for them to ruin it. I’m literally in tears.
2 years ago
Becky Myers Charlotte, NC
I just had a letter read to me by a customer service lady, because I never got the email,she read it to me from her side. I started with a 1,200 limit at Belk and I've Never ever got my balance up that high and Always pay early and over the payment amount. Thats one card I did love at one time. I checked my monthly payment due ,as always, to find out that I went from 1,200 to 720 limit which lowered my score because it looked like I maxed out my card. Never ever mazed and paid over amount, I looked today to write my bills in my bill book and because I had an amount available they lowered my limit $20 below my available. So lowered my credit score Again. If you get it to 30 used on card they will mess you up and lower your limit. I've always made this card a priority and they are horrible at taking care of Good customers, predators are what synchrony is, can't wait to pat it off and be done with these pathetic people. Definitely they do more harm than good.
2 years ago
DJ Johnny Scott
This is the worst credit card company in the entire world. do not apply for an account with them and ever miss a payment or have your credit report change because if you do they will reduce your credit card limit in extreme ways and then close your account out right. main cards I had problems with are Musicians Friend Credit Card and Sweet water credit card. I have never had a company reduce my credit line from $5000 and take it to the balance ever but this company did then they closed my accounts entirely a few months later. PLEASE WHATEVER YOU DO BE CAREFUL WITH SYNCHRONY BANK PERIOD. I will never again get a card from there bank ever
2 years ago
Janet Carmichael
I am so saddened that our banking system allows such a company to operate such misleading and deceptive trade practices as this organization. I signed up for a two year payment plan in 2021. As soon as I received my first statement, I quickly calculated that they were specifying a payment amount that was to set me up to not pay it off on time. After GREAT resistance I finally got the rep to change the amount to be auto deducted such that I would pay it off in time and avoid any and all interest charges.
Upon the expiration date of the promotion, somehow they had added additional monies owed and passed on a doozie of an interest charge. They are unable to explain how that happened.
Note that I have contacted them now four times tallying at least seven hours of explaining to each representative their error. Each and every time, they had no notes on the prior conversation, continued to deny that I ever filed a complaint. Eventually they agree they saw I had contacted them and then begin again the standard script evading any note of customer service and/or resolution. I even received emails stating I had messages in my account only to go there and discover no such messages. Their idea of customer service is to hide, deny, hide then deny.
DO NOT UNDER ANY CIRCUMSTANCES enter into any agreement with this company. They are designed to set you up and then run for the hills. How can this company be allowed to operate? They are a disgrace to business.
2 years ago
Dale Sonnenberg Indianapolis, IN
I have a care credit card through synchrony bank and am enrolled in auto pay. I had to change my account numbers because of some fraudulent activity on my bank account. I changed everything on my auto pay with synchrony and they still screwed it up. It showed I had made my payment on time and then a week later I look and see it's past due. I've never made a late payment on anything in my life and these incompetent fools can't get it right. So now I'm stuck with a late payment on my credit report because they have no idea what they are doing. Unbelievable how anyone can be so incompetent. All they do is answer a phone and can't even get that right.
2 years ago
James Wilkinson Olympia, WA
Lousy experience trying to open a CD. I filled out their application online and got no confirmation. After a couple of days, I called, and they could not find any record of my application. I filled it out again with the customer service person on the phone. Again, no confirmation. After about a week I got a letter denying my application saying, "Your application has been declined because we are unable to verify your identity as required by the USA PATRIOT Act". What? I have been a U.S. citizen my whole life, never changed my name, lived in the same address for over 20 years and they have my SSN #. Are they really saying they are that incompetent? or is there something else going on ...? The world is becoming a scary place. Anyway, I moved on to a more competent/reputable bank and I would suggest you do the same.
2 years ago
kevin parker Swansea, MA
Had this card for YEARS (4 to be exact)! Paid off my balance and haven't had one on it for at least 2 years. Just recently, in the last 6 months, I went through a financial hardship. I was then surprised to find an email from Synchrony Bank telling me that they canceled my credit card. Now again, I had NO BALANCE on this card, and have kept a great relationship with then, so imagine my shock upon receiving such an email. My credit score suffers further, I lose my available credit on that card, and I feel betrayed and hurt by this company to boot! I could see it if I was late on payments, or if I had an outstanding balance, but I was always on time for payments, and I NEVER kept a balance on this card. These people are scumbags. DO NOT do business with them. They won't hesitate to kick you while you're down.
2 years ago
Disappointed Warwick, RI
Terrible customer service!! I paid off my account and had a zero balance, and 6 weeks later I had a balance again, and didn't use the card. The account was messed up for 2 months when suddenly my closed account through Synchrony from years ago also had a balance!! It was a closed account and suddenly showed a balance? I called 4 separate times in an attempt to straighten it up. When I called yesterday, I asked to speak to a supervisor and she got on the phone in a mood. She told me that my bank account was closed. It has never been closed. I have had the account for years. I kept trying to explain my issue and she kept saying over and over that my bank account was closed. Not true. I ended up closing the account for my JC Penney card due to the treatment. I have been a long time customer, I don't miss payments and I was treated horribly by Heather a so called supervisor from the call center. She was rude, and she didn't listen to the problem. Horrible customer service! Train your people!! I am contacting JC Penney to let them know how I was treated by Synchrony and why I dropped my JCPenney card. Also, I am reaching out to the State Attorney General to file a BBB complaint. I encourage others to do the same. I am disappointed in the way I was treated for a series of missteps on their end. Shameful.
2 years ago
Roger Smith La Porte, TX
This is a very low class lender bank. I have 3 credit cards through them two have not been used they are less than a year old. So they closed those two. I have one through this bank now that I have and making payments on it and they sent me an email saying that it was closed. So I get in touch with them and they say that the account with this card is good. So is it closed or is it opened. Once this particular account is paid I will never ever go through this bank lender again. Their customer service support is crappy. I have read numerous very bad reviews and seen lawsuits against this bank lender. My advice is if your applying for a credit card DO YOUR HOMEWORK AND MAKE SURE ITS NOT THIS PARTICULAR LENDER.
2 years ago
Niki R
Their retail credit cards with promotional purchases are predatory and non at all transparent. I followed all of the prompts for auto-pay and paperless billing, set my payment well above the minimums and in-line with paying off the promotions in time and they misallocated payments to other purchases causing the promotional purchase to not be paid on time, therefore tacking on HUGE deferred interest fees. I didn't receive any notifications about the fees and I have tried calling so many times to escalate the issue but get forwarded to an "account manager" who is a third party call center that just repeats "there's nothing we can do about it."
2 years ago
Lakeisha Williams Clearwater, FL
I’ve paid three of my accounts off only to find out they closed two of them and dropped the other one from $4000 to $100. The interest is awful my care credit was closed due to the company not pulling the funds out of my account in a timely manner, and due to them not pulling the payment the other payments on my account had been taking out. But I was the one that was embarrassed inside Reeds jewelry store due to Synchrony closing an account that has been paid in full since May of 2023 makes no since to close account that were paid in full. I wouldn’t recommend this company to anyone. These are accounts I had for multiple years with a good history of payments before they were paid in full
2 years ago
Jan Boniface
Over the past 12 hours I have had nothing but problems creating and funding accounts with this institution. Last night, from Facebook, I followed their online application process. All three times, the application got to a point where it froze and would not respond. I decided to wait until morning to open the account.
After opening my CD account in the morning, I funded it using a small amount of money. I then wanted to open a larger CD and tried to transfer funds. Their transfer system was telling me I needed two accounts, but did not explain that the second account had to be a Synchrony account that was not a CD. So, I created a high yield savings account. When I tried to fund the account using the same external account I used to fund the CD, I started getting the error "must not be blank". What a super descriptive error message that is. By the way, nothing was left blank.
I tried several times to no avail. I then got on a chat with a live rep. Eventually, the rep had to call me on the phone. I cleared cookies. Cleared my cache. Then, a new error started showing up. I tried two other browsers, all with the same result.
I want to add that I have 23+ years of software QA experience. This is not an instance of someone not knowing how to use a browser. I have plenty of online and mobile banking experience. This was an absolutely horrible customer experience.
2 years ago
Sarah Hartzog Delta, UT
Synchrony took out a $36,500 loan in my name that I never approved. I have asked for the original loan paperwork and they never provide it. This has been going on now for two years. Shame on you Synchrony. I am a disabled combat veteran who had perfect credit before you got ahold of me. I was approved for a VA home loan, and now because of Synchrony ruining my credit, I am stuck in a home that is not set up for my disabilities and I am getting hurt all of the time. This company should not be in business. They have continually broken laws and their customer service is horrible. Don't use this fraudulent company.
2 years ago
Marty Remillard
This company is behind the multi chain stores such as Beals, Lowes, Credit Care Credit Card. They lie, without warning they just shut off you card even with a zero balance for inactivity for 12 months, then with another card with them they reduce your credit limit, which then reduces your credit score as a result of both those actions which results in a tumbling effect on all your other credit cards cause your credit score to drop further. I went from a score of over 740+ down to a 665 because of them.
2 years ago
Bill Waldorf Knoxville, TN
If I could give them zero stars, I most definitely would. You would think that the CEO of the company would care enough to actually read what customers have to say about their experience with the company. I have an exceptional credit score that I have worked hard to maintain. I just opened an account with Discount Tires simply because they offered 12 months zero interest and it came with a $2,500 credit limit (which pretty much anyone who breathes can get). I wanted to get a second set of tires for my wife's car and requested a credit limit of $5,000 which was declined! What's ironic is that I have an amazon account through synchrony with a credit limit of $20K and Belk stores for $10K. You can't speak to anyone to actually override the algorithm. They just told me I would receive a letter in 7 to 10 days explaining why. Do you really think I care why? I can easily pay for the tires in cash, I just like using 12 months free interest and holding on to my cash anytime that's an option.
2 years ago
Mike Hunt Tampa, FL
Synchrony bank automatically enrolled me in auto payment without my authorization after having the credit card for over a year. As I do monthly, I scheduled an online payment. Today I find out that they took two payments out of my checking account causing overdraft. I contacted the bank and was advised they can send me one of the payments (by check in mail over 2 weeks) but refused to reimburse my NSF fees. I demanded a manager and was told one was not available, but I would get a call back some time over the next 3 days. Worst bank I have ever dealt with; they literally stole money from my account.
2 years ago
Sherrie Echarte' Tempe, AZ
PEOPLE guard your digital wallet with this bank. Twice I had issues with charges being placed on my account that were not mine. They fixed the 1st issue by opening up a new account, only to have more charges accrue. This was raising my blood pressure; I just paid off the accrue purchases and closed the account all together. You can't rely on this institution to protect your credit or to manage any account; they all seem to be going off a script which is apparent and they have little children answering their phone calls. It is best to GET OUT while you're ahead. Synchrony I Am not responsible for any charges that comes through after 11/27/23 because the account is closed. This has been a PSA!!!
2 years ago
Glen Koedding Middletown, NJ
I am deeply dissatisfied with my experience with Synchrony and their Credit Security Service. In April 2021, I opted for a financing option for my new Air Conditioning system, and it has turned into a nightmare.
Automatic monthly payments of $285 were set up, and I recently discovered an unauthorized balance of $4,268.37 on November 13, 2023. Shockingly, Synchrony had enrolled me in their Credit Security program without my consent, charging an outrageous $159.5 monthly fee—more than half of my original loan payment. This fee accrued interest at 26.99%, resulting in an unjustifiable balance.
When I contacted customer service, they claimed I had "opted in" during the loan application, a fact that was never clearly communicated. Despite my objections, they offered only a partial refund of $1,785.89, insisting I bear responsibility for the remaining $2,482.48.
This resolution is unacceptable, as I never willingly enrolled in or desired the Credit Security Service. Paying the contested $2,482.48 under duress is my only option to avoid further interest charges.
I urge others to be cautious when dealing with Synchrony, as their unethical practices have had a severe impact on my financial well-being. I've filed a complaint with the Better Business Bureau and requested an investigation with the NJ Department of Banking and Insurance to address potential deceptive practices.
Consumers deserve transparency and fairness, neither of which I experienced in this situation.
2 years ago
Christopher Boyum Buffalo Lake, MN
Had 2 new egg cards threw them Both ended uip never being used because syncronys system wont communicate with the website. When talking to Synchronys customer support they tell me that their is a way to fix this and that New Egg Knows about it. I am a regular at Newegg and their customer support is great. They say there is no such thing and that The issue is on Syncrony's end. After back and forth I closed my care Credit and my brand new not 1 day old newegg account and will not be returning to such an incompetent company. These companies using them for their store cards should highly reconsider as they are losing money over synchrony incompetence.
2 years ago
Devon Velasquez (Dev) Idaho Falls, ID
I haven't had any of the difficulties others have with their phone customer service, they've been polite and helpful there. However they can be overly persistent with their collections calls and my biggest gripe, and it's a big one, is that their website is absolutely miserable to use. None of their "features" to do things like recover your account number work at all, they don't make it clear at all what information they need, their captcha verification sometimes takes 10+ attempts.
2 years ago
Nikki R San Jose, CA
If I could give zero stars, I would do so. I have two credit cards with them that have never been paid late or had any issues. One had a 5% utilization and the other had a 40% utilization. They have just lowered my credit limit on both cards drastically, and now I have 100% utilization on both, which has dropped my credit score. I have had these cards with them for over three years and have had absolutely no issues with payments to them. DO NOT use them. There are so many other credit card companies that will not do this to their credit card holders. I will be closing both of my cards with them asap.
2 years ago
