Synchrony Bank

I am not a fan of Synchrony Bank at all! First as you know, they finance about every credit card on Earth. I have Lowes, JC Penney, LazyBoy, QVC, and Sam's Club Mastercard which is the card I have the issue with. I have had this card since 2016, have never missed a payment, have received credit increases (their doing not mine), and have always made payment higher that Minimum Payment. My credit score as of today is 780 with and my credit utilization is at 30% which is considered very good/excellent. I called to see if they would lower my interest rate on the credit card because I do have over a 10K balance on the card and the rate is 22.99%, ridiculous. I was told they are not offering any interest rate deductions despite of my excellent credit standing with Synchrony. The Mastercard is the only Synchrony card with a balance so it's not like every card I have with them is maxed out. So I applied for a CitiDiamond Preferred card and was immediately accepted. I am going to transfer $3000 from my Sychrony Mastercard to the CitiDiamond as it is 0% for 18 months. If you have good credit I suggest you do the same. I will never use Synchrony Bank cards ever again.

I applied for this option to get mattresses a little over a year ago. my payments were 50 per month for 2 years. After paying double that per month they decided to decrease my limit by 1000. I called and ask why and was advised that my credit scores were low. This was not true, my scores since opening this card had risen over 100 points. I was advised to take my complaint up with the credit bureaus so I did. During this call i was told straight from one of the bureaus that synchrony was not properly reporting to the credit bureau every month like they are supposed to. So their excuse was invalid. This caused my score which was on the rise from paying everything on time to drop 48 points! I filed a complaint through all three bureaus and continued to pay double my monthly payment. After another two months my original credit line was now only 250!!! I only found out they once again lowered my credit limit from my Experian update. Immediately went on the app and off the remaining balance and told them to close the account. I would never recommend this line of credit to anyone. It will destroy any credit you are trying to rebuild.

There were 595 consumer reviews of Synchrony Bank in Stamford, Ct on the BBB website. Synchrony Bank has a rating of 1.06 STARS out of 5 STARS. There were 1950 complaints in the last year alone and 5053 complaints in the last three years. Somehow, the BBB rates Synchrony Bank with an A+ Rating probably because the BBB collects a yearly fee from Synchrony Bank and presumably because Synchrony Bank will provide you with a canned response no matter what about what they are legally allowed to do, which they abuse beyond belief. There is a huge difference between legal and ethical norms. Synchrony Bank can do just about anything they want to legally but that does not mean it is ethical. If you take the time to read complaints, you will find that Synchrony Bank does not care about your business. They do not care that they are hurting your credit score even when you are a good paying customer. Take the time to read the responses that Synchrony Bank has to individuals that have paid their accounts as agreed and had their credit rating destroyed by this company. There are probably hundreds, if not thousands of individuals, that have had their credit destroyed by this business without cause and the responses from Synchrony Bank are all canned. The consistent responses are always: 1) When you got credit from the bank, you agreed to allow Synchrony Bank to reduce your credit limit or close your account at any time for any reason even though they will not contest in the majority of complaints that a customer has paid them on time for even a matter of years. 2) If you say, correctly that I might add, that Synchrony has hurt your credit score. The response is that your credit score can change on a daily basis. Even though Synchrony banks employees without any doubt that they hurt your credit, don’t expect an apology or an admittance that they have done so. 3) Synchrony Bank claims to provide notice to individuals that they have reduced your credit limit or closed your account, even though it is statistically impossible for them to actually be doing so as required by law. 4) They will say that they will review your credit periodically with their credit scoring system and tell you that you need to contact the credit report agency when they hurt or destroy your credit for NO REASON. 5) They will report closing your account or reducing your credit limit immediately and claim that it would hurt their reputation with the credit reporting agencies if they did not do so. Of course this is an utter lie, the FCRA does not require anyone to report anything at any time and I doubt highly that the credit reporting agencies care as long as a consumer is complaining. 6) They will say that we care about your business even though it is obvious that they do not. Read their canned responses to complaints. Between 12/21/2020 and 2/8/2021, Synchrony Bank received a total of 48 consumer complaints SOLELY directed at the headquarters element of Synchrony Bank and SOLELY through the Better Business Bureau (BBB) located in Stamford,CT. This DOES NOT include complaints directed at any other Synchrony Bank subsidiary locations and DOES NOT include complaints from other BBB locations throughout the United States. Furthermore, this analysis DOES NOT account for the number of complaints on other platforms or number of individuals that never made a complaint. Thus, we can extrapolate that the numbers of incidents is EXTREMELY under-reported. Out of the 48 complaints between 12/21/2020 and 2/8/2021, 50% (24 complaints) related to Synchrony closing accounts (20) or reducing credit limits (4) on accounts. From a statistical standpoint, approximately 50% of the 1950 complaints in the last year or 975 complaints were for closing accounts or reducing credit limits. In the last three years, approximately 50% of 5053 complaints in the last three years or 2526.5 complaints were for closing accounts or reducing credit limits. Out of the 24 complaints associated with closing accounts or reducing credit limits, the following information was extrapolated: 62% (15 of the 24 individuals) specifically stated in their complaint that they paid their account on time and Synchrony Bank did not dispute this in their response to the claim. From a statistical standpoint, approximately 62% of 2625.5 individuals (1627 Individuals) in the last three years had a DECREASE in their FICO or VantageScore as a SOLE discretion of Synchrony Bank closing or reducing their credit limits when they paid their account on time or had a zero balance. . 58% (14 of the 24 individuals) stated specifically in their complaints that they NEVER received notice from Synchrony Bank at all PRIOR to OR AFTER accounts were closed or credit limits were reduced. From a statistical standpoint, if the approximately 58% held true. Out of the 975 complaints in the last year, approximately 565 people did not receive ANY notice that their account was closed or their credit limit was decreased. In similar fashion, it would indicate that about approximately 1522 individuals out of 2625.5 people in the last three years DID NOT receive the required notice. Synchrony Bank stated explicitly multiple times in their responses to individual complaints that they are aware of the requirement in the Fair Credit Reporting Act to notify clients that their accounts were closed or limits were decreased. Synchrony Bank claimed that the individuals that complained all received notice even though 58% said that they received no notice. Thus, it is highly that Synchrony Bank is in fact making false statements and is in direct violation of the law. 50% (12 of the 24 individuals) stated specifically in their complaints that their credit was negatively impacted as a DIRECT RESULT of Synchrony Bank. In a technical sense of the word, Synchrony Bank may legally close or reduce the credit limit on any account for ANY REASON at their SOLE discretion. However, it is HIGHLY UNETHICAL to destroy an individual’s credit when they are paying their Synchrony bill as required or maintaining a zero balance. This becomes an even greater issue when Synchrony Bank is OBVIOUSLY not providing many individuals notice or allowing the individual an opportunity to reduce their credit utilization rate prior to reporting to a credit bureau. Synchrony Bank has made claims that their credibility with the credit bureau would be hurt if they failed to report accounts closed by the creditor for no legitimate reason other than they can do so legally without any oversight or repercussions. It is also technically legal to decrease an individual’s credit limit at their sole discretion without oversight or repercussions. However, it is extremely poor business to not give an individual an opportunity to decrease their credit utilization prior to reporting the decrease to credit bureaus. Synchrony Bank’s claim about credibility with a credit bureau is laughable. There is nothing in the Fair Credit Reporting Act that forces a creditor to report closing an account especially when the individual has been a loyal paying customer of the business. Why would you do this when you know all it does is hurt a loyal paying customer? There is also nothing in the Fair Credit Report Act that prohibits a creditor to have the decency to allow an individual an opportunity to reduce their credit utilization rate prior to reporting a credit limit decrease to a credit reporting agency. Synchrony Bank has the legal ability to arbitrarily reduce someone’s credit limit based upon whatever “credit scoring” system that they deem relevant. Thus, this bank can reduce your credit limit from $3000 to $1500 without notice. If you owe $1490 when the decrease takes place, your credit utilization rate will increase from 50% to 99% without any notice. In a case like this, Synchrony Bank will DIRECTLY negatively impact you FICO or VantageScore in a major way. Since 35% of your credit score is based upon credit utilization, your credit score could be impacted by a hundred points and there is nothing you can do about it because Synchrony Bank can do whatever they want to do with your credit and there is nothing you can do about it.

If I could give this company a double 00 I would. They are liars and ruin people's livelihood. First of all how is it even legal to look at someone's credit more than once? Second they closed my account that had a $2500 credit limit because of a "EXTRA, EXTRA" payment I made bounced due to paying it out of the wrong account. I made 3 payments depending on the balance on the card which case in point was $200 dollars. I called and was told because of" lack of payment" to which I laughed and told the lady that was the third payment I was making the month of October which I paid $100 total the other payments before the due date. The she went on to insult me with oh because of your credit, which I laughed again because I have fairly good credit, in the end I just said alright so this goes on my credit as negative I will be disputing it and closed every account I had with them. I refuse to go to any store that uses them and will never apply for another one of their cards. I feel that yeah it's their decision to close accounts anytime but what gives them the permission to look at my credit every few months? I called Chase last night and I had to give them permission to look into the " NEGATIVE MARK" SYNCHRONY HAS LEFT. cutting my loses but not before I do all I can to get this crappie company reported and investigated. They need to be sued again. They use to be G.E. Capital which was sued for discrimination back in 2012. Surely to god they are doing something shotty with their business practices here and rude customer service reps. GET ANY CARD BUT THEIRS!!! SHOP ANYWHERE BUT THE COMPANY'S THEY ARE AFFILIATED WITH!!

I opened a Synchrony Bank Credit card that tied to my paypal acct. In retirement I run a 501c3 dog rescue and offer raffle items as fundraisers. People use paypal to buy the tickets and I send out them items to the winner. Let me preface this by saying I have a credit score in excess of 800 and live a well funded retirement of pension, 401K and social security. I open the account in May of this year. I pay the card weekly from the proceeds of the paypal account because the credit line was only $4000. Yesterday i go to order an item and the card is declined. I call Synchrony and am told the "risk" dept closed my account. No call, no notice, just closed. The balance in the Paypal acct yesterday was $4000 more than the balance on the credit card so I fail to see a risk. I have worked hard my whole life and never defaulted on any bill. I own my own home. I have NEVER been treated so unprofessionally by a bank. This will stop me from ever using another online only banking institution. More aggravating is no one can tell you the criteria for the decision. And they refuse to provide a telephone number for their corporate headquarters in Utah. That does not seem like a legitimate business practice to me.

Our experience was an absolute nightmare with these people! They arbitrarily review your credit report and come up incorrect information. They take these actions and do not contact you, to verify the information is correct. Then it is negatively reported to the credit bureau. In our case my wife had an account with La-z-boy. We bought some furniture and paid the balance in full, no late payments there or anywhere else on our reports! They ended up closing an account that had a zero balance on it! Is that Risk Management? If she was not creditworthy you would think they close other accounts with balances? I contacted customer service with the number on the letter they sent after the fact. I was on hold for a long time, and got a representative with whom I could hardly understand. After trying to explain to her what was going on, i just kind got a irate and asked for a manager. I talked to a manager, and he said he would forward my concerns on to a department that handle these issues. The way that bank is managed and their poor treatment of paying customers, makes me ready to pay everything off that is affiliated with them which I don't think we have much more. Walmart dropped this institution, and went to Capital One. Meijer Corp. dropped them and went with Citi Bank

On April 15, 2020 during the height of the covid 19 global pandemic Synchrony Financial decided without warning or notice or good reason closed all 9 credit card accounts, total available credit about $73,000.00. I had about $150.00 total balance across all 9 card accounts total owed. I have never been late, no missed payments, I have a 7 year streak of 100 percent of all credit payments made on time. I have a 740 fico score. I have total credit usage of 1 percent utilization. This permanently ends my business relationship with synchrony financial forever! I've got better cards with much better and more productive banks than synchrony financial. You decide for yourself. Be safe!

Synchrony Bank is the PITTS!!,,the worst I have ever encountered in my 71 years of doing business. I opened an account with Lowes and bought stainless steel appliances, only to find out later Synchrony Bank was carrying the account, Lowes was no where to be found and they don't tell you that Synchrony bank is the financier of your account. Credit Karma monitors my account and sent me a notice stating I had missed payments on my report, keep in mind I pay all my bills with cashiers checks, after numerous tries of trying to contact Synchrony Bank, finally reach them and they stated I had missed 2 payments, the rep said my bank had put stop payments on the checks, I said that's impossible because I paid for the cc with cash...still said bank had put stop payment on them...then she said I needed to get a letter from my bank stating they had not put stop payment on the checks and it needed to be on their letterhead and fax it to them and they would remove the missed payments, I go to my bank and they look up my checks and note they did not put stop on them and my bank go one better and show on the back of the checks where Synchrony bank had cashed them all...after faxing this information back to Synchrony I have not received a response back from them to this day!!!!!

I like the 2% rewards but that is all I like. Whenever you call it takes about 5 minutes to navigate through all the menus and get to a person. The problem that Synchrony cannot fix is a crucial issue. They don't send mail to my correct billing address. Because I take my credit score extremely seriously, I find it crucial to be able to receive statements. Ever since 10/24/2017 I have been calling to correct my billing address. The issue is I receive my mail at a BOX, NOT A PO BOX. Synchrony keeps adding the PO in front of the word BOX. The problem is it is not at a Post Office so the local post office returns the statements and other mailings back to Synchrony. I have been calling since 2017 and it is 2019 and they simply cannot correct it. Today I spoke to a supervisor and then asked for his supervisor who said he corrected it but noted he could see I have been calling since 2017 and it has not been corrected. I suggested he contact their tech department as I suspect they wrote code that always ads "PO" to any address with the word Box in in it. He disregarded that idea all together. I hate this bank!

I've waited for over 2 (TWO) hours on their "CHAT" to get someone to chat with me, and they were helpless. When I asked for a supervisor, all I got is a blank screen, and I've been waiting for over an hour again, with nobody to even respond if there's still anyone on the other side, am I in a queue, when I will get some supervisor to chat with me. NOTHING!!! The MAIN problem I have with this clueless bank is that they take money out of my account a few seconds to minutes after I use my card. That is "automatically done", and is as fast as cyberspace could be. When I pay money into my credit card, it takes them "24 to 72 hours" to "process" the payment. The money is out of my bank account or PayPal balance immediately, but it takes them this long to "process" the payment. And, there's nobody in their stupid "system" who can change or override this! We have become a society of computer/system dependent morons. There is no human touch, no human connection, no human discretion. Just a whole lot of "this is what the computer/system tells us, so this is what we do! The WORST thing that PayPal ever did is hook up with Synchrony bank. Their "system" was so much friendlier and easy to use before this move. TERRIBLE MOVE!!!

They sold my account, while never sending me a bill, once paid the collection agency, they refused to acknowledge the account as paid though I had a letter from the collection agency that it was paid. All I wanted was it to reflect that the account as of February, the account is no longer negative. Besides that, they refused to return my calls, lied to the moderator from the AG's office, told me that when I told them that 2 of the 3 major credit bureaus told me that they are the only ones who can update that information or at least put a comment on the report stating it was paid to the collection agency in full, they refused to do that and told me they cannot do that. They were extremely dismissive, rude, unhelpful, had the wrong information on the letters sent to me, and refused to take the dispute seriously. Now I am sitting there after a background check having a negative blemish on my record that may not have been updated since 2013, but still reflects negative as of now which is incorrect on my report. I have sent them the release letter from the collection agency and they refused to acknowledge that information as meaning the account is paid since they did not get that money. I was never given an opretunity to pay them since they got my billing address wrong and never notified me regarding it. Worst thing is now, thanks to this, I cannot get credit cards, loans, an appartment, background checks may come back as a negative on me, etc... this company has screwed me and my credit.

Synchrony bank website is unclear and can be misleading. If you ever have to cancel a payment, they can’t return the money to your bank and it Hass to be mailed back out to you, which can take up to two weeks very very inconvenient.

Got a synchrony bank card from Qvc. First time I got cats they lowered my credit for no reason. All purchases made on time. Then it put at my credit limit. Now I went to make my payment and I could not connect they Qvc. I found another entry and paid my 35. Dollar payment. I saw the email came thru for the payment t but did not look closely til today when they took the entire amount owed 297. And had dropped my credit limit to 0 with no warning. I have other accounts with synchrony. And not sure why with Qvc they are so ruthless. Funny though I had just paid off a no interest loan with them thru lumber liquidators. Crazy. And poor customer service and fraudulent.

Absolutely terrible! I was a loyal customer since 2010 but noticed how they recently changed their rules and began enforcing crazy fees. My statement last month was $32 and the minimum payment due was $29. More than 90% of the balance. I spoke to their customer service and was told "thats our rules now". So i stopped using the card and decided i would pay the $32 on the due date and not use them anymore. I log in to pay my bill on the due date and am shocked when i see the bill is now $81. Synchrony added a late fee plus interest charge which equaled to an additional $49. My statement was for $32. I contacted their customer service and got ZERO help. Every agent i spoke with both over the phone or online via chat didn't know anything. I was told "thats the way it is" . I then told the agent to close my account and there was no retention whatsoever. They didn't care. Terrible company and i wold NEVER recommend them to anybody unless you want to lose money. These guys are crooks. I'll take my business elsewhere.

Synchrony bank/care credit is Horrible! I have been making regular monthly payment much more than the minimum payment due and several months I paid 2 or 3 payments in one month to help get the balance lower. Well I have been punished by making more payment prior to my due date! Yes that is 100% correct. I paid 2 payments in February one on the 1st and one on the 14th of February but my due date for February was the 20th so Synchrony bank posted my 2 payments in February 1 and 14th to January and hit me with a no payment being made in February, late fee and additional interest. WHAT? this is the crazy 110% ! truth about this company. You try to pay your loan down but they will suck every last penny from you in every unethical way possible. I have filed complaints with the OCC, FTC and the CFPB (consumer federal protection bureau). I am also going to look into a class action suit against the company. Everyone who reads this post and has been ripped off by these very ugly people keep a lookout in the mail to be a part of the law suit.

A dentist sent two fraudulent charges on my CARE CREDIT CARD for procedures he did not perform. An x-ray and my ledger as evidence I proved those procedures we’re not performed, but the dispute dept. sided with the crooked dentist. I am not paying a loan for procedures I didn’t have , so my card was cancelled, and a report sent to the credit bureau. Don’t use this bank - don’t use their CARE CREDIT card. The bank has terrible reviews . Synchrony Bank lost two big customers recently — they are no longer the issuer of GAP and WALMART credit cards

These people are liars!!! It has taken a month to update my banking information and my funds have not been deposited into my account yet. I run a business and offer financing to my customers through them. Needless to say I will be taking my business elsewhere. I don’t have time to deal with idiots. Till this day, I have been fighting with them to deposit my funds and get the same answer every time…. “3-5 business days”

FYI: DO NOT.....I repeat: DO NOT apply for any card/account with Synchrony Bank attached to it. They will ruin your credit score, lower your credit limit, and close your account for being a GOOD CUSTOMER...UNBELIEVABLE!! My Ashley Home Store account was closed because I never used it....my Lowe's account was closed because I was (1) day late making a payment. My JC Penney & Belk credit limit was lowered, which resulted in my credit score taking a plunge. This company will do major damage to your credit score. STAY AWAY!!

Got notice today that BP is jumping ship. This ‘bank’ has a habit of requiring payment by the 19th of each month. Then they extend the charges billed long after. Called to see why my bill wasn’t closed by the 28th this month. Said they were closing the next day. Looks like they try to collect as much interest as they can in any way possible. Goodbye and good riddance!

This bank is garbage. Do not finance through them. The website is terrible. I have been trying to pay my bill for weeks and cannot get into my account. Password recovery fails. Username recovery fails. Paying as a guest doesn't work for any of my cards. My credit score is messed up now due to a bill I could easily pay to literally any other financial institution. Synchrony is not technically a scam but it is definitely predatory. I just paid my full bill just to get away from this bank. I will never finance with google or Synchrony again.

I opened a Money Market account and instead of using my personal information, they populated the security callback numbers with a long ago disconnected cell phone and with my current landline. Customer service was of no help, just repeating the line that they use third parties to populate their data . My current cell phone, which is so customer service could see, can not be used to verify my identity, only a disconnected cell or the landline. Do I have to now take my house phone with me when I leave home? /s

I applied for a Sam's club MasterCard through this bank. I was told by customer service at Sam's that I would receive a $100 dollar credit when my account was opened. I received a letter from Synchrony stating that my account would receive a $30 dollar credit. I called customer service to cancel the card and ask that nothing go against my credit report. They said I would have to do that on my own. Poor customer service and I personally do not want to deal with a company that uses under hand tactics to get my business

Have had accounts with this bank for years with no problem. Opened an eBay Mastercard was accepted with a $7500 limit. Went to charge $600 and was turned down. No one would talk to me about this until threatened to close all the other accounts and then was told due to inactivity on the NEW card which I hadn't even received yet was why I couldn't charge over $500 .until I proved my credit worthiness. I have perfect credit with this bank and couldn't believe this happened!! Will be cancelling other accounts. Do Not do business with this bank!!

After reviewing my monthly statement I noticed my credit line had decreased.I called to ask why they stated because my credit score had dropped.I have never missed a payment with them even paying more than the min and never late.so what did that have to do with them (Only dropped 2 points) I'm cancelling my card and will pay them off as soon as I can.I have several cards and this has never happened to me before

I had an Old Navy account. I hadn’t used it in about 6 months, didn’t owe anything on it and they closed my account today, saying the reason for doing so was because I have other credit cards with high balances . Not true!, that my credit score decreased since opening the account. Not true either ! Oh, and that the account had not been used in awhile. Beware of doing business with this bank!

Me and my wife have worked so hard on our credit. So we decided to write checks and mail them to them to pay them off along with most of our credit cards. A month later came the harassing phone calls. A late fee that in return caused another over the limit penalty along with calls everyday. They couldn’t find my payment. This trashed our credit. It wouldn’t have been enough for it to be one synchrony acct. It was three accounts that were perfect before they ignored my payment. Left a complaint on BBB to trigger a response back from them

The customer service component does not allow a customer to talk to a real person. Instead, one is put in a queue only allowing numerical choices. All I wanted to do was cancel my credit card because of $61 of fabricated late fees. I will never recommend this bank to anyone. Discount Tire does its loyal customers a disservice aligning their fine company with Synchrony.

What a shame shame on u is not a good review is going to make any difference but really I have been a Sam's Club and a card holder for Synchrony Bank for the longest I've always paid on time or always have paid over the minimum amount that has been needed throughout the epidemic and for One Missed payment that I happen to overlook that wasn't even much keeping my overall debt ratio under 20 you guys have the balls to drop my credit limit to a point where shopping at the store there is no point no worries I'm going to cancel this card with you guys

They FAILED to take the mandated IRS required 10% witholding tax from a scheduled withdrawal from my IRA account. Yesterday, Pamela, told me it was an ERROR, but! They refused to make me whole and fix it. Today, I reported them to the IRS via our US Congressman's office via Email, Jamaal B. They still are "holding" US Treasury funds! That's fraud. ZERO "stars" should be choice here, not one! My impression is that they are doing this to keep their balance sheet artificially high, so they can get more cash from the Fed. Reserve Bank. We will see what develops from this situation.

I have a Lazy Boy account that I haven't used in a couple of years, so, without notification to me, Synchrony reduced the credit limit by $2500 which in turn lowered my credit score. Checking my score is how I found out the credit limit was lowered. So, I called and cancelled this account which will further reduce my credit score, but I don't care. I am tired of doing business with companies that don't deserve my business. As soon as I pay off my Care Credit account this month, I'll close that account also.

The worst bank and partnership Amazon has ever started. I would buy on Amazon and even though I would charge it to my personal credit card or gift card it would STILL wind up on this stupid synchrony bank amazon card. Every month I would log in to pay the payment and it would say my info was wrong. So I closed the account, not one but 3 times before they ever actually closed it. Horrible, partnership and bank. When I wanted to close the account they never even tried to make it good for me. They just do not care!!!!

I received a letter yesterday that my CD had renewed into another 2 year term at a measly 0.65%. I called today to terminate the CD. I spoke to the first agent and a manager but both were inflexible about the >$60 termination fee. There is no way to set the CD renewal/termination options online. Customers must call the bank to do this. I'm taking all of my money out of this bank.

First I had a credit card limit of 3000 dollars with Rooms to Go who told me I had 5 years to pay this off. I Missed one payment and they reduced my credit limit to 2500 dollars before I knew it. They review your credit report often I am told and this was most likely a factor. I miss another payment a few months later and they have CLOSED MY ACCOUNT AND REPORTED MY WHOLE BALANCE TO CREDIT REPORT. They will ruin your credit. I will never get a credit card with them again if I can help it.

Stay Away from all Sychrony Bank Cards. They are crooks. I have 2 CC's from Furniture Stores. They will take additional funds from your account for no reason. They never have an exact answer to your question. They charge you to talk to a live person. If you have to shop at any of their stores, use cash. They even hold checks to the very last second making your usual monthly payment late. Don't close your accounts. This will cause a credit drop. Just leave it at zero balance and leave your future headache's behind. A loan shark would be an easier choice.

The absolute WORST company I’ve ever dealt with, enough to nearly give my wife a nervous breakdown. Our primary issue is the denial of charges on our credit card from major fortune 100 companies on the premise they are fraud. All with no recourse to unblock the charges. Trying to communicate with the foreign CS people they hire is like translating a foreign language by phone and no supervisor to speak with. It’s take it or leave it and we are leaving it. Don’t make the same mistake.

Looks like the Synchrony Bank holds payments sent by mail, processing them on the next day after due date, than charges the fee and very high interest charge. I send payments by mail 10 - 14 days prior to the due date along with other payments, all other payments processed 3 - 4 days later, the Synchrony bank holds the payment to be able to charge the fee. Really bad proctice, I think, it should be investigated.

I have auto pay and have paid two years with no charges being made to my jcpenny account and it says I have late payment and my balance has maxed out what started as 300. In charges to the card is now 1083. Have called and inquired why and the lady in Idia where the customer care center is says as she reads the computer screen im sorry I can't help you with that because we can only see what you owe not your charging activity but we appreciate your auto pay enrollment and great payment history..SYNCHRONY BANK IS CROOKS AND ARE FRAUDING PEOPLE!

IF NO STARS WAS AN OPTION…. I AM ABSOLUTELY DISGUSTED WITH SYNCHRONY BANK. IT AUTOMATICALLY CLOSES PEOPLES CARDS KNOWING IT AFFECTS PEOPLES CREDIT, ITS DISGUSTING. I HAVE NOT MISSED ONE PAYMENT. THE SAME SHIT HAPPENED TO ME IN 2021, WHERE MY CARD RANDOMLY GOT CLOSED. A WEEK AFTER IT WAS CLOSED, I REAPPLIED AND GOT APPROVED, FOR A YEAR LATER IT TO HAPPEN AGAIN! I USE THIS CARD TO GROW MY CREDIT. I NEVER HAD AN ISSUE WITH SUCH A STUPID CREDIT CARD COMPANY IN MY LIFE.

I had the Care Credit card. I had not used it and the balance was 0. Out of nowhere one day I received a significant drop in my credit score because Synchrony bank dropped my credit usage from about 1300 to around $500. I can't remember the exact about but it made my credit score go down 15 points. I didn't receive anything in the mail, and as I stated before my balance was 0 and I always paid them on time. Then about 4 months later I receive a letter saying they have closed my account with no notice, which again made my credit score drop. I will Never use them again.

This company and Amazon prime are worst customer service of anyone on this earth. When you call they put you off to another individual, maybe in India, Vietnam, some other 3rd world crap hole you can't understand thier jibberish. On the phone 1 hour 15 minutes, shifted to 5 different people, between Amazon, Chase, and Synchrony, over 14.06 bill I had cancelled in November. Just sorriest bunch in the world. Sorry, I do not want my information shared with the world, and if you can't give me US citizens to speak with, you go to hell...

Was at Bonefish Grille with family(my family is large. Bill was $475. Waiter came back with announcement that transaction was denied. I then used my Citi card, no problem. When I got home I called them, to find out what happened???) The Customer Rep hung up on me! The end of the call survey got an earful. Sam’S Club needs to find another partner (; they are not doing there reputation any favors.

We had a rooms to go credit card it had a $1000 limit , we bought furniture for $800. The very first month they dropped our limit to $800. I paid half the balance the next month , so should have roughly $400 debt and $400 credit , of course , minus interest etc . The next month I go to pay and the account is closed , no letter , no explanation , no answers. Nope never again, furniture fell apart within 6 months , no recourse and then this … I’ll not shop here again , even with cash , poor customer service , poor business practices…

Dishonest customer service. I asked if they hadn't any instrument with higher yield than the .25% on their 6 month CD. They said nothing higher for that period. I later discovered that their savings account offered doubled that rate with no penalty for withdrawal. When I inquired about this, they informed me that the customer has to do their own research. I was forced to take significant penalty when I cashed the CD.

The worst bank. Statements are made to make you make a mistake and pay interest. They only include minimum, current balance and all your purchases with numbers that make no sense. I have to ask them every month how much I have to pay to avoid interest and I have to ask multiple times until I get an amount that more than one agent know because guess what? Not even they know how much and keep giving me different information. Hate this bank.

Horrible they close my account even though it was pay in full: without previous notice and refused to re-open though I have many other bank cards all in good standing: is a shame my favorite stores, Marshall’s, home goods and home sense, use this bank for their credit because I will not shop in any of their stores any longer: reason because I felt unfairly treated and they close my account right before the Christmas holidays when I always paid it in full..

This company has the most incompetent customer service staff I have ever experienced. They fat fingered my routing number which caused my auto payments to be rejected then tried to spin it on me and the bank I used to submit the payments. Amazon should partner with another bank that knows how to treat their customers. All that money and they are shortchanging their customers with poor customer service and incompetent staff.

Synchrony Bank removed $4,500 from my account when the approved payment was for $150. When speaking with customer service, they were able to reverse the transaction, but the money they took without permission is going to take 3 weeks to return to me! Christmas is in two weeks, and the best they can do is give me back my money they stole from me in 3 weeks. Absolutely ridiculous!

I have good credit 740-780 make over 200k a year. I had a 5k limit on the Amazon store card. Synchrony performed a random review of my credit and dropped my limit to $3830 without any notice and right before the holidays. Now my credit is going to take a hit because of this... Will never use this card and again and will close the account when I get another 5k card. Amazon this is the type of company you are partnered with. Shady AF!!!

If there were a 0 star, I would choose it...you can NEVER do survey because the representative will not hang up until you hang up first. Never able to talk to a supervisor, representative will transfer you back to the beginning where you'll get another rep. Once your promotion is over the pay off balance is inaccurate...DO NOT USE THIS COMPANY...WORST EXPERIENCE EVER