Synchrony Bank
Is This Your Business?1.1
3.3
Overall Score
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Erik Miller Santa Rosa, CA
Zero stars. Even though my Synchrony account was on auto pay, and they do show receiving payments from me every month (early!), I was getting calls and texts from them saying I was over due. They even added late fees on to my account and reported me as late to the credit bureau, which caused my credit score to decline. After several conversations with people there who couldn’t explain why this was happening, I just paid off the balance in full so that my score wouldn’t be affected again. What a joke. The left hand doesn’t know what the right hand is doing. At least they reversed the late fees, but my credit score is still adversely affected.
1 year ago
Carolyn Jean Reading, MA
if I could rate them ZERO stars, I would. I previously had a TJX Mastercard for many years through Synchrony Bank but because of an issue that I had with them I closed the account several years ago. Because I shop in Marshalls and TJX companies quite a bit, I let myself be talked into applying again at visit to Marshalls in the last few months. However, once again, I couldn't log into my online account, then when calling customer service I was met with total ineptness, and when I asked to speak with the account manager (Josie #2893), all she could do was keep apologizing for customer service that she supposedly "could not" provide. I can't imagine why TJX Companies does not find a more customer oriented bank to provide their credit services. I'll still shop at TJX Co's but will use my airline credit card which provides benefits equal to or better than the Synchrony Bank, and DOES provide customer service when needed. Fool me once, shame on you Synchrony, fool me twice.....well I guess the second credit card with this horrible institution means shame of me for thinking things may have changed over the several years between the two credit cards
1 year ago
Matt
I use them for alot of accounts and they seam great in those accounts,
Yet I have a B&H camera account that they decided to stop working with I guess .
I purchased a few used low end cameras and some equipment .
All the sudden the card was closed and not usable ,
That is when I was hit with 3 and 4 hundred dollar interest fees several months in a row puttung me over limits and doubling what I owed in a few short months !
It gas now been years ,I have made several phone calls to try and fix ,settle and some how stop this exasperation and strong arm act yet there only answer is to pay them way over the original purchase price and years of charge to stop the nightmares.
12 other accounts with them GREAT!
THIS ON ACCOUNT AND THERE ACTION ,
I have decided to finish paying off all the others account i have with them in good standing then never use them again .
Hope it is worth it sad!
1 year ago
Leanna Meadows Waynesville, NC
Anyone who is considering a credit card through Synchrony Bank, strongly recommend to reconsider. They isse cards affiliated with Lowes, Belks, Sam's, Care credit to name a few. After getting issued two cards through Walgreens and Sam's Club, I found out this Bank thinks its okay to rerun your credit without your permission and lower or raise your credit as they feel. My result dropped my credit score for adding extra inquiries and lowered my credit making my credit percentage higher on overall credit also making my score drop. I have had these cards almost a year, NEVER HAVE I EVER MISSED OR BEING LATE ON A PAYMENT. I have been a perfect consumer. Less than 175.00 balance on both cards and never been to the top end of credit limit. BBB reports they are not accredited and over 2900 complaints of the same action as I am stating. I think all these companies should select a new bank to handle their card services.
1 year ago
M$ke San Pedro, CA
Synchrony Bank closed my Care Credit MC, Lowe's, Living Spaces and Amazon accounts without notice and for no good reason. One account had been in service for over a decade and had real sentimental value. It was for my first dog and I had been using that card for each subsequent pup in my family. It hurt they closed that account so callously. I had $0 balances for 3 cards and paid off my Amazon card monthly. My only mistake is that I decided to trust such an unsavory financial corporation. Their practices are legal and hidden in their terms and agreement. I will never conduct business with them ever again. It is a shame they are the ones who operate Amazon's credit cards. Hopefully Amazon will rethink their relationship with a bank that cares very little for its customer. You should avoid doing business with Synchrony Bank unless absolutely necessary.
1 year ago
Salih Gafori Dallas, TX
Avoid synchrony bank !!
i had bad experience with their furniture stores credit card it should be no interest for the first 2 years and then in one day you will i found my balance almost got doubled because the main reason are my promotion are expired just couple days a go without any notice or any further information!!
until they hit my credit score really bad and i just paid off my first credit to avoid any interest.
with second credit care from synchrony
i just got same problem today
my balance was $1600
I just got recent email showing my balance become 3800!! Isn’t that crazy and when i call them they was talking about my promotion just expired yesterday !!to avoid the high interest i have to pay my balance in full!! What kind scam bank is it !!
1 year ago
Julian EulatthFrost Woodstock, GA
AVOID SYNCHRONY BANK AT ALL COST. They will be a negagtive on your credit score in the future. I had to two funiture store cards with ZERO balances, never missed a payment period. Synchrony Bank closed both cards without formal notice which impacted my FICO score negatively. Now, they have been systematically lower my Lowes CC keeping my balance at high utilazation rates which in turn has a negative affect on my personal FICO score also. Seems this banks AI or analytics are against a consumer even if you payoff cards or pay down cards more than what is owed each moth. Either way Synchrony Bank IS NOT A LENDER OR BANK YOU DEAL WITH AVOID AT ALL COST IT WILL HAVE A NEGATIVE IMPACT ON YOUR FICO SCORE. The customer service is a joke. The CS staff reads off a set menu. If Syncchrony Bank is this nervuos about the personal borrowers they lend too then Synchrony Bank should find another income stream and get out of retail credit card lending period.
1 year ago
Chris Tampa, FL
Exceptionally poor customer service. Long waits for phone. Online chat often has no agents available. Online portal won't allow viewing of statements. If you do get a statement, the break down is confusing and often incorrect. Does not show all open accounts, transactions, promotions, or why you owe what they say you owe. Terms are always non-negotiable. Unwilling to work with customer for any reason no matter what the customer's circumstance. Cold and callous towards customers on calls. Does not send important account notifications. Will not leave voicemails if they even do call the customer. Does not care about you, just your money. Lobbied enough influence in Washington to get lending laws passed so that they legally don't have to care about helping you. How convenient for them. Don't depend on them to keep you informed about when and how much to pay them. It all falls on your shoulders regardless of what's happening in your life. After all, you signed the contract?
1 year ago
Freshbrze20 Winter Park, FL
Agreement to pay 12 mos no interest on $23000.00 major Dental surgery
I paid as required amount due monthly on time.
Synchrony Bank consistently added interest frequently to this no interest transaction. I've had several conversations with them. They remove it and put it back. Block. Deny any interaction to stop it.
Beware. Not a honest. reputable Compsnyyou have lots of better options
Pick another Bank or you may wish you had listened to me
The interest they tried to stick me with was 27,% compounded daily.
Fortunately. I was able to pay in full what I actually owed, no interest.
Peace. I'LL NEVER TRUST OR BANK WITH SYCHRONY AGAIN.
Capital One and Discover on line Banking banking & Credit Card are reasonable & fair...
they don't lie or cheat.
I'm not compensated for this review. I wish someone had told me. One year been back & forth with SYNCHRONY BANK.
Peace praise God. He loosened the shackles. I have a permanent ZERO balance with SYNCHRONY BANK FOREVER.
1 year ago
John Maxwell IV Richardson, TX
You will.need a back up plan. I tried to pay for a trip that I booked with say same credit card the previous year. The payment was rejected. I called and was given steps to help that were ineffective. The link to identify myself didn't work. Why did I even need this when I verified the purchase by checking yes to the charge request via email and text. I never was able to make the purchase and my identity is still in limbo. I stood in the store that authorized me to get the card and I still had no luck. Horrible customer service from the manager trained to help, but didn't or couldn't. Poor !
1 year ago
Mark Root Scottsdale, AZ
In November 2021, I financed furniture through Synchrony bank (bank chosen by furniture store) with a 0% interest loan expiring in May 2023. I set up recurring payments every month. I unfortunately ignored monthly statements from Synchrony as I presumed it was just useless data. I never received ANY emails or texts. My bank was apparently late on funding Synchrony several times and I unknowingly incurred late fees. After my final payment in April 2023, I kept on getting monthly statements, which I finally opened in June. This showed $300 in late fees and $1100 in back interest to day 1 in 2021.
I called immediately, escalated to an account manager and she denied waiving any fees, even though I dutifully paid every month and my financed loan was $0 by the time the promotion expired. Now I owe $1400 from an original $2900 purchase - which I PAID! Since I called about my account I have been getting emails and texts almost every day explaining my outstanding balance. Even after explaining I was not some deadbeat person not paying their bills, they refused to be human and do anything. Shame on me for not checking my mail. Shame on Synchrony for their behavior, unwillingness to be reasonable and treating me like a deadbeat. I see now how they made $3 BILLION in profits last year.
1 year ago
Russell Simms Houston, TX
It is time for Synchrony Bank to be held accountable for their disingenuous and dastardly behavior. They used Sam's Club to have their reps walk around and hound you to sign up for credit, then they approve you for $5,000.00, then despite the fact that you're a 15-20 year Sam's Club member, and you shop there for your business, and you pay all of your bills on time...as soon as you reach even less than 50% of your available balance, they "chop off your available balance to less than $100, showing that NOW you have used 90% of your available balance.
This is not right, and they must be held accountable.
I DID NOT NEED THAT #@&$ CARD!!!!
I. AM. SO. ANGRY. 🤬🔥🤬🔥🤬🔥
1 year ago
Autumn Miller Blackwood, NJ
I have a Lowes Advantage card through Synchrony bank and it is absolutely the worst. I started with a limit of $1300 and when I only used half of it they lowered my limit to only $70 over what I had charged which severely decreased my credit score in one month! At the time I was trying to refinance my mortgage and because of this my credit score fell to the point that I was no longer above a 630 and could not refinance my home. I requested a reason why this happened and the reason I was given was I was not utilizing my credit enough. So I paid down the card to about a $200 and used it for a couple of paint supplies just to ensure I was utilizing the card. I then received another notice a couple of credit card statements later stating my limit was being lowered yet again and this time they lowered it to $300 which was only a few dollars above the balance, so my credit score was dropped AGAIN. I requested that they increase my limit as I would not be able to use the card to finance any large projects, I was asked a few questions over the phone to find out if I could be approved for a credit limit increase to at least $500, and I was denied, mind you my salary more than covers my expenses and I pay my bills on time! I hate this bank. I currently have a balance on the card of $58 I bet you they lower my limit to $100 just because they can. They are the worst!
1 year ago
Tim Ballwin, MO
Do not use this company.
I had a Lowes Advantage card for years, which is backed by Synchrony Bank. Recently I had my entire HVAC replaced by Martin-Jetco. They had advertised 18 months interest free financing. This financing was also backed by Synchrony Bank. While obtaining financing the HVAC was installed, because how could I not get denied financing with my high credit score. Well Synchrony would not communicate with me and when I was able to speak with someone, they wouldn't tell anything other than if I have any questions to call them back. REALLY! You won't answer my questions when I call, so why should I call in the future.
Regardless, I was denied because even though I already do business with them they stated they couldn't identify me well enough to extend me credit. And it took them over a month to explain that one sentence to me and they still couldn't explain how they came to that decision.
The lesson learned is, if any company uses Synchrony Bank you need to explore other options.
1 year ago
Kim Bradford Grand Prairie, TX
I have had several cards for synchrony bank. I enrolled ALL my cards in auto pay so the payments would be paid on the due date. Their Auto pay apparently was not working right with not one but all of my cards! I would immediately call in and make a debit card payment and the payment would go thru. I called so many times telling them it’s making look like a bad liability because my payments aren’t going thru auto pay correctly , I asked them to please make sure it’s noted. Nope, don’t believe customer service, they do not help you and they don’t care. 2 cards had 4000.00 limits they dropped them down to 200.00! The cards are garbage now. I called to dispute it but they wouldn’t raise my limits back up. Said lack of Real Estate, my house is paid off! Stay FAR AWAY from ANY synchronicity credit because they will screw your credit up that you have worked very hard on. I’m done with them. Never again. I also want to note that my husband is having the same exact problem with Autopay.
1 year ago
Hollie Adams Brentwood, TN
Synchrony Bank is a scam. Stay away. Avoid at all costs.
Purchased a treadmill through a promotional offer with Synchrony Bank. That was the only purchase I made on the card, and I cut up the card and threw it out. All was good until final payment. Upon final payment, I found three fraudulent charges. Spent over an hour on hold and talking to three different people to report the fraudulent charges. Was assured I owed nothing. Requested the account be closed.
Weeks later, I received a replacement card and a statement showing the charges I didn't make and a $30 late fee on top of that. I've been holding and talking with representations for now over 1 hour and 2 minutes. They advised I have to dispute the charges again. This is insanity and a total waste of my time. Worst decision ever.
1 year ago
Bruce Hilpert
I have had a VERY unpleasant experience with Synchrony bank in trying to get the proceeds of a maturing CD deposited into my bank account on record. When I called to give instructions, they attempted to text me a link to verify my account, despite the fact that I had provided all verification answers including my account number, SSN, secret question and the account number of my bank account to receive the funds. Repeated texts did not go through to my phone. After numerous instances of misinformation from CS reps, I finally got them to send me an email and was then told by their computer system that my account was locked. They claimed twice that they sent a letter with a verification passcode that was verifiably false. With the clock ticking on an automatic rollover of the CD, I believe I finally got them to mail me the verification letter yesterday and I may get my $73K out of their bank.
To make matters worse, when I tried to go online to deal with this at the beginning of the process, it wouldn't let me login due to an outdated phone number in their files. When entering the new cell number for texted verification, as instructed, it would not accept the number and send a verification. When I updated the number by phone, they told me it would take 30+ days for the website to be updated.
In addition, customer service reps gave me innaccurate repeatedly and two CS supervisors either refused to respond or lied to me about sending mailed passcode verification.
I have two more CDs with this bank and when they mature I will NEVER bank with Synchrony again.
1 year ago
yosemite4 California City, CA
My first experience with Synchrony was when a TJ Maxx employee fraudulently opened a credit card account in my name. Then, with JC Penney. I opened my JC Penney account forty years ago. In May 2003, I bought a duvet through JC Penney, though Amazon had better options. Then I received a delinquent notice for non-payment of a $75 JC Penney invoice from Synchrony bank. Apparently signed up for digital only notifications. Never received a digital invoice. That's that.
Here's the thing. My investment company, Vanguard, has Synchrony on their "trusted" list of banks providing 5.10% + CDs. Do you think that I would trust Synchrony with a $250k CD, when they can't even handle a $75 duvet cover purchase. Hell no.
1 year ago
melissa thigpen
If I could give them zero stars I would absolutely do it!!! Please don't waist your time!! They don't care for there customers!! I got off work on the 4th of May at 3pm by time I made it home and was settled in to pay some bills Synchrony was the first one to make a payment.. I login the app "That I was told to use to make payments". It was at the time after 5pm. The app indicated I had to wait for business hours to make a payment. So I waited till the 5th the next morning to make a payment. It went through and I went along with my day and time off. Today May 9th I went to check my bank account and it showed I had 2 transactions from Synchrony. I called and was told they would refund me the amount but it would be a check in the mail. It could take 2 weeks for the to receive the check. I'm absolutely pissed and stated your company didn't take 2 weeks to take the moneyout of my account!! SO PUT IT BACK!!! Apologies!! Apologies!! Apologies!! All I don't care to hear!! Some people live pay check to pay check and can't afford to wait 2 weeks!! I hope and pray yall screw the right motherfucker with good money and yall lose everything!!! ABSOLUTELY SICKENINGLY!
1 year ago
Teshika Holmes Meridianville, AL
I wish I had read the fine print prior to getting this card. Synchrony bank along with a few others are not worth the money one pays them monthly. First, they decreased my credit limit and sent a letter stating that months after. I contacted them and asked and the customer service staff was rude in explaining that I had not been making payments on time. That was a lie. So come in 2023 they closed my account. Now I am paying them off in a few months and will say good riddance!
When applying for credit, read the fine print and make sure one stays clear of this bank. They are terrible! Please read the fine print. I am waiting for a class action lawsuit against these clowns!
1 year ago
Matthias Zehner
To put it politely, the Mafia uses less aggressive tactics to fleece money from people. The credit card consistently "creates" new charges on a monthly basis that I have to spend hours fighting to remove. I've been successful in removing the charges, but why does Synchrony continually create "deferred interest" or "net interest" charges? The answer is simple: most people don't view their statement, so the charges stick. Furthermore, the website is primitive and difficult to navigate; for example, I can't view any statements online because "I didn't sign up for e-statements" . . . huh? I can't end the autopay option on my account . . . why - no answer from customer service! The list goes on and on . . . DO NOT ENGAGE WITH THESE PEOPLE!
1 year ago
Patt Queen Nampa, ID
If we could give a zero/no-star rating, we would. At the very least, when you speak to a human, they are nice people & sincerely seem to want to help, not that anything ever gets resolved. Outside of that, not so much. We have many credit cards that converted over to Synchrony some time ago. Online access to those accounts has been nothing less than a nightmare, each & every month. We have to struggle to login, use the USELESS live chat, call-in for support &/or change our password nearly every time we attempt access each month on every account. A complete cluster! The latest? On two of our open & active accounts (same creditor), Synchrony has replaced all e-statements with disclosures & can’t seem to explain why or where the statements are now located. So now we have no way of viewing or downloading the actual e-statements (which, by the way, were all present & accounted for last month!). Synchrony Bank is completely irresponsible & should be taken down by a firing squad!
1 year ago
Capital District Property Services LLC Schenectady, NY
I had a really good relationship with synchrony bank. I have three different credit cards with high credit limits had them for years never been late we went and bought two new trucks for our business and of course, with interest rates as high as they are these days I shopped with multiple banks to get the best rate on both trucks after doing that on every single credit card synchrony Didn’t even send me an email I went to use my cards and they all got declined called synchrony and they lowered my credit limit one card 7800 to 280 second card $9000 to 230 and third card $10,000 to 3250 which Only reason they lowered it to that was because I had a that as a balance for a 0% for 12 months offer. When I called to ask what happened they told me due to my credit report, not having a real estate account which my house is paid for and multiple inquiries. They classify me as a high risk even though I’ve been with them for years none of my payments are late and my credit score is in the upper 700s One of the worst banks I’ve ever had will never do business with them again.
1 year ago
Mitch Saint Paul, MN
Lack of communication his correct. I was informed to use my debit card online to pay my bill, only to receive a noticed days later the payment did not go through. Thinking it was an error on my side all payments were made again only to have the same outcome. After speaking to a customer rep for the 3rd time was I only able to get the information that you can only use a debit card via phone, not online. Online you have to enter the actual checking account. Closed all accounts even though all accounts are paid in full or up to date due to the multiple payments not going through. All because their communication was inaccurate. No I am not even able to go online to pay other than a guest as they closed the accounts which closes the online registration. Have to make payments as a guest. Synchrony is fortunate they partner with these companies as stand alone they are terrible.
1 year ago
Prem Vijayan Little Elm, TX
If possible, I would give a -1000 Rating.
They are a scam. I took a loan for care credit for a dental procedure( the doctor made me sign up for it saying it's interest-free) for $6200; after paying it for almost three years and the principal amount coming down to 3800 this January, Synchrony added another $2900 saying that that was promotional APR. They charged another 29% APR from the day I signed up for the loan, saying it was deferred interest. It's such a scam, folks. Terrible customer service. Never again will I approach Synchrony BANK for my financial needs. I paid off around 6K today; I hope they won't come up with another story again to scam me.
1 year ago
Big Daddy Bang Bang
Synchrony Bank has the worst customer service by FAR!!! If I could give a negative 500 star review...trust me, I would. I indirectly became a victim of their terrible customer service 2 years ago when I was making a large purchase for camera equipment through B&H in New York City. On the website they had an offer for a Payboo Credit card by Synchrony Bank. If you applied for the card and got it, you could make a B & H purchase with the card and you didn't have to pay any sales tax. It would have saved me several hundred dollars. I applied for the card several times and was denied, even though I have a credit score above 800. I couldn't get anyone on the phone and there was no online customer service support. The only way to contact them was to type letters, send them through the mail, and wait 10-14 days for a response like it was pre-WW II. The written responses were vague and didn't help with any of the issues I was having. After several weeks of back and forth I never got the card and ended up paying several hundred dollars in additional sales tax. You know the bank is awful when your only recourse is to send letters through the mail. My last letter was blistering...a profanity laced tirade where I hit them with 12 barrels of verbal 00 buckshot. Don't EVER do business with Synchrony!!!!!!!!
1 year ago
Mary Perkins St Louis, MO
Synchrony Bank has terrible customer service in my opinion! I have their Sams Club Credit Card, which had fraudulent charges on it. I use this card for EVERYTHING! When I first talked to the fraudulent department, I was told they were canceling my account, would rush me a new card since I use it so much. I should receive it on Saturday, April 8. This is Monday, April 10 and I have no card. When I called back to the fraud dept., I was told no rush was put on it and I can expect is in 7-10 days from today, which is when it was sent out. I have had this card for two years, always paid in full, never late. I am canceling this card and starting over with a new company. So frustrating!!
2 years ago
fallguypat Rochester, NY
I was a loyal customer of Lowes and held their "Advantage Card" which was backed by Synchrony. I spent thousands of dollars and always kept a good standing with them. I had a $0 balance on an $8000 limit and purchased a new dishwasher for just shy of $750. Out of nowhere, they lowered my credit from $8000 to $750 (what a coincidence) causing a credit card utilization of 95%. Thanks to this outrageous incident, my credit score dropped by 15 points. I paid the card off and refuse to shop with Lowes until they change their card service. I suggest anyone interested in one of their card offerings beware of this extremely shady business practice. Thankfully I was in a position to take care of this issue right away, but there are a lot of people out there that are not in my same situation. So, with that, I will say bye Felicia to both Synchrony and Lowes until they change providers.
2 years ago
Chris Joy Martinez, CA
The last 14 years of my legal career were spent working for 3 of the largest lenders in the U.S. I applied for 12 month, interest free, financing, (free money is good money) for installation of a new home theater system, After submitting the credit application I was required to use Synchrony's lame website based "verification" system. Worst system ever. Spend 5 hours over two days on the phone with the verification department trying to use the system. Involved two levels of management, none of whom could get its system to work. Ended up sending photo I.D. and bill with name and address by overnight mail instead. Just received card in mail today. Called activation number, was automatically transferred to a live person and was advised that the insurance bill I submitted was rejected. They wanted a utility bill. The people I spent 5 hours on the phone never mentioned it had to be a utility bill. I have not decided what action I will take at this point but beware, you are dealing with the stupidest group of people I have ever encountered in banking and I have encountered quite a few. The inmates are running the asylum at this bank.
2 years ago
Cam109090
If you haven't read it a thousand times yet....they are predatory in the way they conduct their business. I do not aim for minimum payments but sometimes while juggling it becomes necessary. Don't pay minimums with synchrony. On my account the minimum never covers the "card security" and interest fee resulting in every minimum payment actually raising your balance. In the future I will ensure that I have no credit accounts associated with synchrony. They will never get my money again and I'll do everything I can to prevent those I know from making the same mistakes. Also block their numbers unless you want over 35 calls a day (that was an average within 3 days of a late payment).
2 years ago
Orion Blade Gila Bend, AZ
I had a previous account with Synchrony Bank. I paid this account in full within six months. It was a total of $7000 and it was paid off early without penalty per the contractual agreement. A year and a half later, I decided I wanted to purchase a musical instrument and my only option to finance was through synchrony bank. They approved me not for the entire purchase price, as I requested the full credit to purchase the instrument, but they were $37 short of the actual total. This was something not mentioned until I attempted to make the purchase some time later when the instrument came in stock.
When it came time to pay for the musical instrument, I was denied because there was not enough money to cover the purchase amount on the credit account that I got from synchrony bank for this purchase. I then had to ask for a credit increase of $37 making the total credit $5337. They denied the increase. (important note: the $37 was not the issue, the issue was the credit extended was supposed to cover the entire purchase price) The reason they gave in their letter for the denial was debt to income ratio. However, when I received the copies of my three credit reports for free, I knew something wasn't right. I contacted the Consumer Financial Protection Bureau who handles these types of issues and according to my assigned case worker at the Consumer Financial Protection Bureau, my debt to income ratio was not an issue according to the standard numbers she ran. My income was more than sufficient and closer to exceeding than not meeting the criteria from what the case worker told me. My lowest credit score was 747 on the three reports as this was clearly not an issue either. I filed charges with them against Synchrony Bank for discriminatory credit practice .
I am writing this to you today, because I was just informed that my case has also now been put onto an existing class-action lawsuit against synchrony bank. My point is; if you are in the right, speak up and follow through. In this case, there is a reason why a class action lawsuit was in place and even if one didn't exist, your situation may be one of the catalyst to begin one against companies taking advantage of people like us.
2 years ago
theresa oliver
Worst financial company ever! RUN FAR AWAY FROM THIS company. Their system dropped my checking account information after I sent them payment and then they said that I was NSF! Then, they charged me NSF fees. I called and used a different payment method and received confirmation that they posted the second payment. Then, for no discernible reason, they sent that payment back. And they charged me additional fees for that payment! I then spoke to a supervisor who admitted that their system drops payments often. There is a communication error in their system and when payments don’t post as expected, fees accrue, even though it’s their IT department’s fault! The supervisor then took a third payment for the March statement and assured me that there would be no additional fees or issues. That payment did go through but a week later, I received an alert from my credit monitoring company that there was a negative report on my credit score. It was Synchrony. They closed my account due to the NSF that was their fault! And it dropped my credit score by 34 points! Additionally, upon reviewing my closed Synchrony account, I discovered that I was charged an additional fee for the supervisor processing my payment in person!
In trying to get this fixed, I have spent hours and days on the phone with them. The standard customer service response is to blame the customer. THEY KNOW they have a FAULTY ACCOUNTING SYSTEM AND THEY BLAME THE CUSTOMER AND PENALIZE THE CUSTOMER ANYWAY. When confronted with the facts, they simply stonewall and continue blaming the customer. That is their PRACTICE and POLICY. Thousands of people have complained about their practices. There are even class action lawsuits against them now. RUN. RUN FAR AWAY FROM SYNCHRONY BANK!
2 years ago Edited March 28, 2023
Rosanna C
I would give a negative review if available. After calls to fix the automatic payment on my account a few months ago, synchrony bank still can not get it right. When I called in this time, the rep Diana wants to argue what my conversation was a few months ago that I had with a male representative. When I told her she wasn't there in the conversation and that I want to pay and close my QVC account ...she continued on that i didnt have the conversation and she hung up on me. Having to call back through the automated system where you have to say customer service 6 different times to get through...a rep answers the phone but doesn't greet or say anything, I feel that it was Diana that answered as they can see the phone number. There is no person on the line but the phone call was live as the seconds were ticking on my phone screen. Very childish! This, of course, then causes another phone call through the automated system. Then rep: John fixes it all..funny thing is they had the right account number on file the whole time but the automaticpayment didnt go through Hummm ...
I made a complaint to Vella who said that she was an account manager and I believe that she didn't care one way or another that a customer of 10 plus years closed their account. She had really nothing to offer and I believe the complaint went on deaf ears. So just saying, their customer service sucks!! Oh, and I did tell John that I hope Diana gets the poops on the way home and hits each red light...darn I forgot to tell that to the account manager but I'm sure they will hear it in the recording. Beware, if Diana answers the phone...she is there for the paycheck and not to help people..you will get hung up on! They don't care about the people.
2 years ago
Tom Dees Brunswick, GA
There is absolutely NOTHING to like regarding synchrony credit card services...The worst customer service, pathetic website, you can't even access statements. I closed our Ashley Furniture Advantage card but could never get it removed from the account website which shares Lowe's, Belk, and Amazon store card...which, by the way is idiotic...I compare them with Chase, who has the best website I have ever encountered! I simply wanted to remove the the card from the account site...no big deal...right? Yeah...the story is to long to describe... just ridiculous. So depending where you shop, for me, Lowe's, Belks, Amazon store card and "If'n" you have PayPal credit, it's synchrony...They offer many more retail store cards. Do-Not-Use ANY store card that offer credit through synch'y deadheads credit! They will hound you with "promotional" deals like alleged no "interest"...it's bs, do not by into it...walk the **** away...do not give them your business...they suck! Only thing I would give them...my finger and my cats litter box ☢️❗
2 years ago
Yolanda Silva Bensalem, PA
Worst customer service you can ever find at a financial institution. You will never encounter any problem to deposit into you Synchrony Bank account, but good luck trying to get any transfer out of your account because they will make you go through hoops. A supervisor just hung up on me saying I can't do a wire transfer from my Synchrony bank into an external bank account, both under my name, because their system is not validating my phone number, so even though I need the transfer today, she said I need to wait for a letter that I can expect in 5-7 business days in my snail mail, and call back. Then she hung up.
2 years ago
michael Giertych
I have never had a good experience with Synchrony Bank. Staring with Wal-Mart statements. Just an amount to pay without any kind of list of what was bought. Just take their word for it, this is what you owe. They have been trying to collect a Lowe's payment from me for that was paid for a year now. I sent them proof of payment from my bank and they still will not stop. My credit score has dropped a hundred points and my borrowing power has dropped 60%. They closed my personal and business account for Lowe's. This is insane! They say they can see where the discrepancy is and STILL won't fix it. Now I have to take it to litigation.
2 years ago
Mark Chenoweth Kissimmee, FL
I have bought tires from Discount Tire and also several major items from Lowes dealing with Synchrony Bank as a credit card; the 5% incentive was OK, but honestly... when I went to JC Penney recently, they had discounts using ONLY Synchrony's Master Card, and I easily qualified, but then... while I made the payment in full, I NEVER RECEIVED THEIR CARD! You NEED the card info to send a payment on-line, but also even at the JC PENNEY STORE! Their people at JCP are less than helpful anyway, even buying things, but making a payment was not possible there! So, I mailed a check for the small amount I owed, but it failed to be delivered by the date it was due (mailed it going to their Orlando office a week in advance!). Several weeks later the dated check was received, so whether the PO or JCP screwed up, who knows! The late ordeal cost me hours of phone and transit time, and in the end also a $2 late fee! I HAVE EXCELLENT CREDIT, but also it was not late! Now, hopefully they will send my refund as they finally said they got my check (I never pay by check for credit) and I closed the JC Penney account! Watch these guys... JCP I suspect is the real problem, but the offices for Synchrony are in Orlando, and I am currently just 13 miles from the PO There!
If you MUST shop at a JCP store, use your most faithful bank credit card... forget the lousy 5% as it likely will cost you more in time and extra effort than it's worth!
2 years ago
Susan Ballard Newport, MI
I only gave one star because there's no way you can leave a minus if there were I'd give it a minus 10 for their customer service nothing but a nightmare trying to make payments with this company. Ours was for a piece of lawn equipment Finance through Lowe's with the Synchrony Bank don't do it just don't do it not worth the aggravation every single time trying to make a payment turned into a 3-hour ordeal avoid this company at all costs no offense but you will always get a call center from the Philippines with people who do not know how to press buttons to make the correct entries on a computer. Customer number always wrong payment amount always wrong they will take out two payments they will charge you a finance charge on a payment. Nothing but bad news
2 years ago
Robin McConnell Oklahoma City, OK
So i found out that in Saturday for no reason my account was closed no matter that my transunion credit is good, not one single missed payment, but they closed my account THEN notified me. After it does my credit score. When i called today the woman could not give me a viable reason as to why it was closed. No matter that i bought one set of furniture, went back bought another price of furniture and recently went to look had ANOTHER set picked out to buy. When i went to get the last set quoted found out they had lowered the amount i had been approved to be able to use. Even though the last set would have been paid for in FULL on purchase day.
And the lady tried to convince me that i wouldn't be paying more in interest. But shes right, they closed the account so i paid it off, AND WILL NEVER USE ANY BUISNESS THAT GOES THROUGH SYNCHRONY, AND WILL LET ALL MY FAMILY N FRIENDS KNOW TO DO THE SAME.
POOR BUISNESS ETHIC I BELIEVE, ALL THEY DID WAS LOOSE A CUSTOMER, (who would have continued to purchase through them). BUT THAT'S OK IF THEY DO NOT WANT TO KEEP THEIR CLIENTS BUISNESS.
2 years ago
Tony Raymond
BEWARE OF SYNCHRONY BANK
On January 20, I invested $100,000 at 4.6% interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated Feb. 3 that indicated I had to complete the process. On Feb. 14, I spoke with Renita. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to 1/20. I told her I would also increase the amount to $200,000. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On 2/21 I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that Renita had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said Renita was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied.
What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction?
I have never received an email or letter indicating my $200,000 had been transferred or cancelled from my bank.
Synchrony has not allowed me to speak with a senior official, despite my repeated requests.
2 years ago Edited March 4, 2024
cjjai_cjjai Houston, TX
So, I found out on Friday that my account with Care Credit had been closed with no notification from Synchrony Bank via email, text, call or mail. I didn't understand why and called them on today. Synchrony Bank closed my account in June 2022 that I had with them for over three years, with no late payments ever, no payments due ever, and nothing owed to them at this time based on a credit report that was received by them from Transunion. I asked the representative why did Synchrony Bank pull a credit report on me after having been with them for over three years, the representative stated to me that Synchrony Bank automatically receives these reports every month from the credit bureaus and based on what Transunion stated they denied me credit and closed an account that had been open and in good standing with them for over three years,. Did you Synchrony Bank forget that everyone is suffering from the fallout of Covid 19 and still recovering and I am still trying to find out how they received a credit report when my account has a fraud alert on it from the breech of a certain credit reporting agency and had a freeze on it? Neither Synchrony Bank nor Transunion had permission to access my account without calling me (Transunion and asking my permission if my credit report could be accessed by any company, so one of these companies also broke the law, that is criminal. I also stated to the representative why I didn't receive notice of this decision via mail, phone, email or text from Synchrony Bank, the young lady stated one was sent out, I stated to her no, I never received any type of notification from Synchrony Bank stating my account had been closed, the representative stated to me that she would email me one today, I stated to her, no, I didn't want it, it was to late for that now, I already new. I want to say to you Synchrony Bank, what you did was criminal, dirty, underhanded and sneaky, if this is the way you treat loyal customers after over three years I want to warn and let anyone and everyone know that based on your character and treatment towards me you are not worthy to be in business, your account is closed.
2 years ago
Sara Coxon Richmond, VA
Trying to pay a bill with them is a nightmare. They sent me email links to pay the bill but the link was to an insecure site. I didn't want to use it. My sister was in ICU for 8 1/2 weeks and I just got back from her funeral. I had to do some searching to find the original bill. I don't know why they aren't sending me monthly statements by mail since it is impossible to open their email statements. I had paid 6 months of payments on the first payment, yet I was charged a late fee because I couldn't find a way to contact them. Ridiculous.
It is by far the worse online payment experience I have ever had. I am paying this bill off as quickly as possible and will never do any financing again with them.
2 years ago
Amber T Tulsa, OK
Never, EVER get a card serviced by Synchrony, especially for a promotional purchase!
You will NOT get a reminder that the promotional end date is approaching. It didn't line up with the date of purchase AT ALL.
If you miss it, all the interest you would have gotten steadily on a regular purchase will get added all at once to your outstanding balance. It almost doubled what I owed!
I would have taken care of that balance one way or another if I knew that was how they operated. I've never had that experience with any other purchase or credit card.
On top of that, they closed the card, randomly and with no reason given, about 5 months before the promotion deadline.
We were ALWAYS on time. Autopay set up, no missed payments. So why close the card? It counted negatively on my credit report too.
This is the third card my husband and I have ever had with Synchrony, but the first time we've used a promotion. One of the other cards was closed randomly as well, no reason given.
I can't stand this company and will NEVER apply for another card serviced by them. This country allows these financial institutions to get away with too much. They are rarely held accountable for the damage they do to everyday people.
2 years ago
Tim Blair San Antonio, TX
I have 5 credit accounts that mysteriously went over to Synchrony. Naming 3, HSN, QVC, and Lowe's. I just got an alert from Experion that one of my credit lines have been reduced. It was Lowe's. My credit line went from $2,600 to $1,018. They run periodic credit checks and adjust your credit limit according to your FICO score. Get this, my Lowe's balance was $1,042. Now my credit report will show a maxed out credit card, plus over limit. Unreal !!! They did this to all 5 accounts. I contacted all the companies and told them, by switching to Synchrony, you are losing a customer. All 5 did not care. My FICO was fine until I refinanced a vehicle, It dropped my score from 700 to 600. I have 12 years perfect credit history, but that don't account for much anymore. I have been advised to file a case with the State Attorney General's office and the FTC . Good Luck to anyone else having this same issue...
2 years ago
Tom Harris Owego, NY
I had a synchrony bank, PayPal 2% cash back credit card. I used it often throughout the year totaled around $130,000 in charges. I alwyas paid it off immediately, without ever having a balance or paying any interest, as the goal was to get the 2%
They cancelled my card, stating "your charge pattern indicates you would not pay us back" lol. When I called they stated "using the card to get the 2% cash back is not the way one is supposed to use a credit card" lol
They owed me $520 in cash back rewards and they told me that they were going to keep it and not pay the money owned to me.
My credit score is 830.. never ever had a late payment, never had a balance or even an interest payment. They simply didn't like me using a 2% cash back card, and they decided to keep the money they owed me.
Don't use their cash back card. They will cancel it when they owe you money and not pay you .
The customer service is horrific. I got four different answers regarding my $520 cash back. 1) it would be deposited into my PayPal actin a few days. 2j it would be deposited in my bank acct in days. 3) they would be sending me a check I would receive in days. 4) they were keeping my money and never sending it to me. Lol
The New York State Attorney General, believes this is a violation of the law. That's the next step. I would not want Latisha James, NYS Attorney General knocking on my door if I were them. She is a pit Bull and a bear. I, hoping it’s class action
2 years ago
susan smith Dandridge, TN
I have never dealt with a more underhanded, unsympathetic, money grubbing bank in all my years. I have had them screw me over three separate times and I didn’t do any thing wrong any of the 3 times except pay my bills. The first time was my Lowe’s card , used it for years always paid on time and out of the blue they cancel my card because they saw a drop in my credit rating!! Next time was my Sams card they approved me for 14 or 1500 in credit . I used it up to 1200 or so and decided I wanted to pay it off to help my credit rating and out of nowhere they put my credit down to 400 so instead of of raising my credit score it plummeted!! Now just today I receive a cancellation to my care credit card… they really care!! I used it once paid it off and kept it to use at the vet if needed. Unless you have wonderful credit and don’t really need it it doesn’t matter how faithful you are about paying them , you are like shit under their boots!! That’s what I think of them and they need to be out of business!!!
There is no room in this world fir a bank with such contempt for struggling people trying to do their best! Shame on you!!!
2 years ago
Bonny Finberg
When I went to the checkout counter at my local Duane Reade I was told I would get $25 of credit if I applied for a Walgreens, credit card. There was no mention of a third-party i.e., Synchrony bank. I never used the card and I only purchased $14 worth of goods which I was not charged for which was less than $25 I was entitled to, but I didn’t care.. My understanding was all I had to do was apply for the card and I got the free purchases. I never used the card, not even once. Then I got bills in the mail from synchrony bank. I called them and said I was canceling my card and that I never charged anything. Now I’m receiving bills in the mail and calls from them. Added to the $14.50 which is not explained. I’m also being charged an additional $16,60 late fee. This is predatory, and Duane Reade is complicit in this scam.
2 years ago
Steven P McNicoll
On February 11, 2022, I ordered two 36x36 frameless bathroom mirrors from LampsPlus.com. The mirrors were delivered on February 17th. The mirrors were shipped encased in form-fitting Styrofoam in separate boxes. Opening the first box revealed a shattered mirror. The second one held an intact mirror that had several deep scratches that went unnoticed at that time.
I contacted Lamps Plus immediately about the shattered mirror. I was told I would receive a replacement, that I did not need to return the mirror, and that I would receive an email from them with an address to send an image of the shattered mirror. I received that email and replied with all the information they requested.
By March 14th I had not received the replacement mirror and had heard no more from Lamps Plus. I sent them a third inquiry that day. Again, no reply. I had purchased the mirrors through Synchrony Bank with my Sam’s Club Mastercard. So, because I was being ignored by Lamps Plus I contacted them to dispute the transaction.
Synchrony Bank agreed with my position, initially, and credited my account with the $421.82 purchase price of the mirrors. Now it gets weird. On June 24th I received a message from Synchrony Bank stating that, based upon “new information”, they were reversing the previously issued credit. The “new information” supplied was a proof of delivery statement showing that FedEx had delivered the mirrors on February 17th. That’s not new information, that’s the date I phoned Lamps Plus to report the mirrors had been delivered in damaged condition. Non-delivery was never the issue.
On June 29th I sent a letter to Synchrony Bank. I told them; “before I take further action on this matter, please verify, in writing, with a signature of an actual human with some authority at Synchrony Bank, that you agree with Lamps Plus that delivery is all that matters, that the condition upon delivery is irrelevant.” The letter was sent Certified Mail with a Return Receipt, it was signed for by Rolando G.
On July 13th I received a Voicemail to Text message from Synchrony Bank stating; “Hello this is a message from Synchrony Bank for Steven N nickel [sic] regarding your Sam’s Club Master Card account. We are calling to inform you that we received your correspondence. We appreciate your patience while we review your request and we’ll update you as soon as possible. We can be reached at 866-xxx-xxxx. If you have any questions. Thank you. Goodbye.”
I responded with another letter to Synchrony Bank stating:
“It is important to understand that I did not make a request, I stated a requirement. Nothing short of the letter described, clearly stating your policy that receipt of damaged goods is not grounds for a refund, will suffice. Upon receipt of that letter I will pay the full amount of the purchase, $421.82. I will not pay any late fees or interest as the delay is solely your fault.
“Further communications on this matter other than that letter must be via an email that is monitored.”
That is where we stand. My account balance is now $589.61, the sum of the $421.82 purchase plus about six months of late fees and interest. Clearly, Synchrony Bank wants to be paid, but nobody there is willing to put their name on the letter required to obtain it.
2 years ago Edited January 18, 2023
Janet Blubaugh Naperville, IL
These dirty folks will close your account without even letting you explain yourself!! I was recovering from surgery and didn't need any crap from Zulily's. I had a card, 0$ balance... they just closed it. They are infamous for doing this crap!! Class action may be next.
2 years ago
Darline Richards Dalton, GA
Synchrony Bank sent a 1099C to the IRS claiming I received $11,000 from them. I didn’t know this happened until I received a letter from the IRS threatening to withhold or garnish my bank account if I didn’t pay the taxes on the amount. I called their customer service and was on hold over 2 hours while being passed from one person to another. None of the reps could find any trace of this transaction on my account, but stated they could not issue a statement to the ITS saying the 1099 was an error. I’m not sure what my next steps will be, but I will never use this sorry excuse for a bank again, and I urge everyone to consider doing the same. They caused the problem with the IRS based on their shoddy workmanship and documentation, but can’t spare 10 minutes to correct their mistake.
2 years ago
