SynchronybankReviews 

Synchrony bank is the worst cc co ever. I have 5 accounts with them. I also have accounts with Discover, which has changed to some other name, Chase Bank and Wells Fargo. This is by far the WORST COMPANY. Especially for customer service or "lack of".
Forteen days ago, had a Lateral Full Hip Replacement and one day late for the first time on Discount Tire card. They refused to give me a break for being one day late. My credit is very good and sometimes is excellent. They suck.
I had an AT HOME cc at one time and i told them about fraudulent charges on my account. They tppk oof the wrong charges and then made me pay them back. I noticed every month they were taking money out of my account. Finally after contacting them for several months, i had to close my account to end them taking my money. It was such a mess and i had no other choice.
I am astonished that they can get away with operating like a criminal would.
I am dropping all accounts after i finish paying off. One is tires at Discount Tires and the other is furniture at Home Zone. Two accounts down and Two to go. I am never dealing with Synchrony ever again~!

This bank is a joke they are more like loan sharks. I paid off 3 accounts with a Bank Check which it guarantees to be good and the cash is available, they cashed the checks on May 7th yet they are telling me that the funds are on hold to credit my account till may 20th to insure the payments are good . These are BANK CHECKS not personnel checks, customer support was of NO HELP and useless. This bank to be shut down or investigated by the Federal Reserve for their unethical practices.

Guys, please stay away from this piece of shit company
I wish I knew that I will be dealing with this bank through Lowes credit card so I would never open credit line through them
They gave me $5000 but took 70 points from my credit score
So they basically destroyed my credit
Please stay away
They will go out of business soon I’m sure

I use them with Lowes and was set up with automatic payments and it did not do it in May, so I have a late fee. I was told they would do a late fee waiver request, so I will see. Secondly, when calling in and asking the automated system to speak with a person it ignores you and keeps talking. Very annoying.

I noticed each time I would try to get into my card account that wrong phone numbers would show. I would get locked out regularly even after contacting customer service. You can never get a live person and end up having to send a message, then wait for days. I ended up turning them in a few times to the government, after which my number was not changed again until the last time. I tried to sign in and a message came in that I needed to sign up for a new sign in. They wanted a live picture and an ID to set up and account, then locked me out when I would not provide this to them. I'm still locked out of everything. Then sometime later, they locked me out of my store account. If you look up your interest rates for this bank, how much is it? If you do not know, you better look. Mine was towards 35 percent and my credit line kept lowering for no reason. I had a FICO on all 3 companies in the mid 700 range, paid on time, never late, etc. Please do not take a loan or card out with this company. If you want to shop with a store, use your major credit card that has buyer protection, in case you need to return something that they won't let you return. I was told these banks are doing this to people that are Christians and vote red. There's a list out there they keep. That would make sense. Why would someone attack my family when nobody knows us?

This is the most deceitful business experience I've ever had.

I set up an account for an emergency vet bill under their "promotional 0% interest" credit card.

If the loan was paid off in full by 12 months, there would be no interest.

What they didn't tell me, is that in the fine print there were some monthly fees (equivalent to interest), so when I set up the amount to pay off by 12 months, it was a little short. So I only owed a couple hundred dollars (the result of the small monthly "fees", aka interest) on a $3,000 loan... then they dinged me for $800 in interest from the beginning of the loan.

They send you monthly emails, but they only have how much you pay and the remaining balance (the bare minimum of information). So if you want to see those fees, you have to actually log in to your account on their website every month.

When I called them to try to figure out a fair solution, they were very rude and said that everything was laid out for me in the legal documentation that they provided at the beginning.

STAY AWAY!!! Don't use them for anything, and if you're absolutely forced to, make sure that you factor in their fees when setting up a monthly payment plan!

I purchased an item using the Amazon Credit Card with a no-interest monthly payment plan, which can only be paid through Synchrony Bank. Even though I selected the installment payment option, Synchrony Bank sent me an email saying they are going to charge me the full amount instead of the no-interest monthly payments.

I tried contacting a representative at Synchrony, but the automated system does everything possible to prevent you from speaking with a real person. After I clearly said that I needed to talk to someone, the system told me it would connect me with a representative, but instead it sent me through two more automated recordings with the same options I had already selected. In total, it made me listen to three separate recordings just to request speaking with a human being.

After finally waiting and getting connected, they asked for my full name and then hung up on me.

The Amazon Credit Card is terrible because it forces you to make payments only through Synchrony Bank. I will cancel my Amazon account as soon as possible, and I will never connect another card to Synchrony Bank again. You should do the same.

Bank needs to be shut down I'm going to Contact Donald Trump to See if I Can get some Justice On This Scam Bank!!! RUNN !!!!! I Should Be A Law Against This So Call Bank!!!!

I’m really sorry they didn’t have an option to do zero stars. I am super disappointed in the synchrony Mastercard I got from Belks department store. I was initially approved for 500 and they kept raising the credit limit but I generally kept the card anywhere from 500 to around 800 and always paid more than the payment amount. They randomly lowered the credit limit recently. It did not bother to send a letter, a text or a call. They sent it in an email that was basically overlooked in the junk box. I still cannot understand why they lowered the limit, but I never used it so that was no real loss. But due to the fact that they did that it took several points off of my credit score. Needless to say, I only owe 525 on the account half of it was paid today and the other half will be paid in a week. I know I’m just one person in the millions that they give a credit card to but the more of us that are honest the more that people avoid this trap. I don’t really care if only one person reads this. At least somebody somewhere knows what they’re dealing with. My guess is I didn’t use the card enough to benefit their company and instead of saying that they used some bogus excuse that ended up hurting me ,a good paying customer in the end. Way to go synchrony bank. I understand why most of the reviews left here seem to be far more negative than positive.

The only bank that I know that reduces your credit limit for being on-time with all payments, and all monthly dues paid in full...they did this with my Amazon credit card and now with my Paypal credit.

Never missed a payment, never paid less than my statement balance.

Twice in a row, will think twice ever before signing up for anything that this bank controls.

I made a payment on my acct with the intent of charging part 2 of my project on the same card. The payment was confirmed, the funds were taken from my bank , and it posted on Synchrony last week saying 'thank you for your pymt of xxxx.xx ' , They will not make the funds available to use again because it's on a hold since they deem it as a large amount. This is holding up my order and delaying my install. The funds have cleared- it was electronic, not a paper check. The store confirmed the funds should be available.

I went with my daughter to the local Living Spaces store to buy a loveseat. I knew that I was going to be approve for the amount due to my high credit score. However, I did not know that I was going to get a credit card. That process lowered by credit score by 15 points. I agree with all of the previous reviewers. Synchrony Bank is lousy and if I had know that they were the ones financing my purchase, I would have gone somewhere else. I had read about their terrible reputation. Don't get anything financed through Synchrony Bank.

Terrible "bank"

Worst customer service ever everyone plays pass along almost impossible to excess account my terms was up with 1200 left they add 2800 in December been paying hundred something for past 5 months debt dropped like 100 dollars so they basically are just taking my money robbery stay away from this theft

This the only credit card I’ve ever been unhappy with. It is a master card through synchrony bank. THEY DENY EVERY CHARGE UNTIL YOU RESPOND TO A TEXT AND THEN YOU HAVE TO RESUBMIT THE CHARGE YOURSELF! THEY WONT DO IT!!! We tried to use this card for all of our autopay accounts such as water and electricity and multiple other monthly bills. OUR WATER WAS ALMOST DISCONNECTED BECAUSE I DIDNT REALIZE IT WORKED LIKE THIS. DO NOT GET THIS CARD FROM THIS BANK - if you do you will rue the day you did

Now I prove it for my self the people in the reviews are not lying worst I don’t not recommend the money will double and while paying it keep going up 😡😡😡

Had the card for almost two years. In june i was informed it would be closed if i did not put any debt on it, so I scheduled a $200 unnecessary vet visit just to put a balance on it.

Last month i paid off the entire debt a month early, because if you take six months or more they will charge you up to 100% interest.
This morning i got an email informing me they are closing my account, effective immediately, because it 'doesnt have enough debt' and 'account payments were too low' on top of 'inactivity'. this was my highest credit limit. it closing like this is going to take my credit score that i JUST got established and throw it into the dirt.

It's a disgustingly shady credit lender in every single aspect, from them saying 'no interest' until an unknowable amount of time has passed, to them closing peoples accounts after they pay off their balance. a HORRIBlE lender. run farrr away. use any other health or vet credit card. literally any other.

I’m was a PayPal Master card holder. A brief summary…I made a scheduled payment for $5,000.12 (current balance) for final payment. The day the payment was to be withdrawn (due date) the scheduled payment was deleted from my account. The status on my account switched to “Payment Overdue”. My bank confirmed the payment was transferred and Synchrony confirmed it was received, after four weeks of calls and account notations I received a letter stating my account was closed due to “High Risk of Failure to Pay” although I confirmed payment in full my account had a balance of $0.53 after PayPal made various attempts to take an additional $10,000.24 ($5000.12 X 2) leaving a credit of $10,124.40, due to their inability to flag paid in full and duplicate payments. I was promised a refund for an overpayment due to the return of a previous transaction which was reversed and an additional charge of a late fee was added. What they did was figured out a way to keep the refund by adding bogus fees for late payment that was scheduled in advance and their responsibility to make the transfer request. This after being a customer for over 5 years without ever missing a payment or being late. I out of 3 managers was very efficient the others focus was to shift the blame on the customer. Customer beware!!!

I paid entire balance plus interest before due date. They charged extra interest for the next billing period. That is ridiculous!!!

My review is a minus Zero. My experience with Synchrony Bank has been terrible. I’ve had 2 cards with them Close Out for No reason other than using my other cards 2 out of 20 to pay for some unforeseen expenses. I’ve paid my bills on time not once ever over 30 days. On a couple occasion 2 not more than 3days from due date. Paid late fee. I have Been in good standing with them and also my other creditors paying on time and Boom they close me out without notice. Statimg I’ve leveraged some cards. No other raso. They simply Suck when it comes to things like this. My other cards with triple the limit have not once done this to the funny thing is even the accounts that are
Bing Used are in good Standing. Now this is a bad thing because it reduces your fico score and since the creditor closed the account out it damages your credit score with no wrong doing except the only care about the bottom line despite your account and other credit being in good standing. My advise use other cards when synchrony will Be your financing option . They will zap you and hurt your credit score simply Because your a number. they are Not interested in retaining customers. They are just simply looking out to please Their investors and lining there share
Holders pockets . My rating is 0 for customers care and working with the working class that uses credit responsibly and uses credit to cover unexpected costs while
Paying responsibly .