Synchrony Financial

Recently, I went on a business trip. I decided to use my synchrony card and paid the balance down to zero, so I would have $1,000 to use for my hotel. I spoke to them a couple of days before the trip to make sure that they knew I was traveling, so I could use the balance to pay the hotel. When I got to my destination, my card was declined. I discovered that within the past two days they had lowered my credit limit to $100. I did not have another credit card with me that had a balance over $1,000, so I had to get assistance from my husband to help me pay the hotel bill. It was an embarrassing situation. I later found out they had lowered my credit limit, because they said I didn't have a mortgage payment. I have paid my mortgage off.

They said I had too many credit cards and they thought my balances were too high. My balances are 48% average of each balance. I had paid their account on time...never gone over the credit limit, and I had paid the balance down to zero. I'm feeling I am in a world of credit, where a person of good income and genuinely paying my bills on time.does not have a lot of recourse for something that I feel was unjust in this situation. So I'm posting this review here, if you can avoid using Synchrony Bank.avoid them. They are related to JCPenney and other major credit card accounts.

This is a terrible company that lowered my credit limit unjustly. The failed to give me proper notice that they were lowering it. They said nothing to me 2 days before when I called them to tell them I was doing my trip.
I was embarrassed, stressed, and I had paid their credit card in an exemplary matter. I paid at least $100 each month when the payment was only $30, and I had paid the balance off. Perhaps that's what they didn't like, that they couldn't make enough money off of me..

Up until recently, I thought they offered a great card to help with pets and emergencies, and I would recommend them. Now, however, I will tell every person how they left me high and dry when my father passed away and I ACTUALLY NEEDED a little extra cushion. I have never missed a payment or been over limit, and have barely carried a balance on the card over the Last SEVERAL years. My father died last year and I am in the middle of taking care of his estate. My score was above 800 two years ago but has dipped seeing as I have high utilization (as you would in an emergency) and I was using my care credit for groceries to get by until probate settles up in a month or two. I was at the store and they declined my purchase and I called to find out why( no notifications from their app, or mention of this decision, beside a hidden letter deep in my app messages) They cut my credit limit from over $3,000 and left me with an available credit of $37, rather than $2,037. Still only $1100 on the card, still have yet to miss or be late on a payment... they just saw my utilization go up, and they dropped me, in my biggest hour of need. I will NEVER recommend them to anyone ever again, and will spend my time instead telling everyone what an unethical credit card company synchrony bank (care credit) is. They could have made a little more money on interest from my purchases even. I will NEVER use their company again, and encourage those who are curious to find a better card. One that won't turn its back on you as a customer if you actually have to *gasp* use your credit card during a stressful financial situation. You guys are literally the worst. Thanks for nothing. I sincerely hope whoever made the decision to limit my account that way, for no other reason than my utilization being high, comes up empty handed in their greatest hour of need. I guess this is how they keep stepping on our necks so we can't breathe. Shame on you.

I financed Clear Correct retainers (orthodontics) through my dentist and unfortunately they were partnered with this bank. My experiences with this bank have led to general research and discovery of what a lot of you already know. Much of what's already been stated by others is the experience I've had with them as well:

* Technically deficient website and processes that lack acknowledgement of being in the 21st century
* Website is designed to be frustrating and hard to use
* Overcharged interest at the time of promotional expiration
* Customer service is inadequately trained and unprofessional; I was hung up on several times
* They will rerun your credit as often as they want, negatively impacting consumer credit scores
* They will close cards without communication or reason, negatively impacting consumer credit scores
* They will reduce your credit limit below your balance, negatively impacting consumer credit scores

In my case, after paying off ~50% of my original balance, the promotional rate expired and I was hit with interest charges totaling ~45% of the entire original purchase price. The interest charges were much higher than the rate calculations on the original balance - even considering the worst period of compounding daily. When I inquired for an explanation of the charges I was met with an untrained and impolite support staff. Multiple times I was hung up on, etc. Synchrony has absolutely mastered the art of fatiguing their customers with arduous processes and difficult-to-use support systems. They are not accredited by the BBB and their are thousands of 1 star and negative reviews across many renowned review sites; Best Company, Sitejabber, Consumer Affairs, TrustPilot, etc.

I strongly discourage anyone from engaging with Synchrony Bank; they are corrupt, dishonest, and run a very shady business that is arguably borderline illegal.

Extremely horrendous costumer service, they give no solutions, no answers, coudn't even change my card on file after giving all my info and confirming it was me, because of security reasons like really? No one wants to pay someone elses bill! I've called and use the chat, always useless people. I've been trying to reset my online account since the day I started with this company. Every month gets worse and worse!

I asked for a paper statement and found that every 6 months no interest charge had a huge chunk of interest added. I intend to get my money back if I I have to file with every federal agency in the country.

I am a customer who has had 2 accounts now with synchrony credit card and always paid on time always paid them off quickly and they dropped my credit limit both times for no reason which in turn my credit took a 30 point hit I'm extremely upset at them for that and treating a loyal customer like that. DO NOT USE THESE PEOPLE!

Synchrony Made it hard for disputing! My card # got charged in TX lowes, and I am in NY, fraud department at Sunchrony now want my drivers license or passport on file in order to put dispute request? They even suggested personal video on file? This is no brainer, the more personal information in computer world the more fraud will follow!

Synchrony, in my opinion, is the worst system to use for any kind of banking. Their credit department is abysmal in terms of approvals and changes in your credit. I have had three credit cards closed without notification with on time payments. I have called and they state that based on my credit report they deemed it risky and the system made the decision to close it. There is no way to appeal, all they tell you is that you will have to reapply. I mean, not even a phone call. I regularly check my statements but I do not check it daily to read a letter that they "post" notifying me of any changes that are effective immediately. You try to make a purchase and you are blindsided when the card gets rejected and you don't know why. I have one account with Synchrony and once that is paid off, I will do everything in my power to never use Synchrony again. In my opinion, it is best to stay away from Synchrony due to their communication style, customer service, and just overall lack of humanity.

I opened a account. Changed due date so I could make payments on time never did so I payed late fee every month so I payed a large payment to get caught up and the next month wated me to pay 300$ more then regular payment and to top it all off they closed my account for paying them on time.well necessary to say they lost a customer and money shame on them

Like everyone else, I too am having the same issues. This is a warning to all who reads this to not do business with them. We financed through SB and I had many frustrating issues setting up the account (login fails, convoluted website, phone tree maze, rude customer service). I set up automatic payment AND paid an extra month just to be safe. Well, two months later I get a notice that I'm late in paying. How is this possible that automatic payments are late you ask? Well SB canceled my autopay and never told me. Not only that but I have a $30 late few, an interest rate of 26% (I was told there wouldn't be an interest rate for the first year) AND a hidden $160 monthly insurance fee that I was clueless about. All the extra money they charged me was over $650. When you contact customer service all they try to do is collect money and not fix their issues. They are a cesspool of bottom dwellers. I have taught customer service workshops before and know where business put their value. SB is all about profits over people.

Please beware of this Scamming Bank! They are worst then the payday loan stores. I went to get furniture and I wish I paid cash. Yes it was under a 12 month "promotion" but no one said it was going to be the worst decision I made in a long time. After the promotion they charged me $770 in interest on a 850 balance that I had left to pay. So I called Synchrony Bank and the first thing she says is that I was in a deferment account that was holding the interest for the last 12 mos if the balance wasn't paid they they tact on all that interest from the first day I left the store "HUH" How is that a promotion that sounds like robbing the less to pay for your homes and cars Brain Doubles (CEO). I never received any notice about the change because when I was at the furniture store they never told me about a deferred account of interest. And it doesn't show on my contact that I signed about a deferred interest. I understand interest sure but 750 in one month and I'm not late and I have been making extra payments. This Cannot be legal. Never will I EVER USE THIS BANK FOR ANYTHING...Please go any other way but this way Discover, Capital One try them do not go here if you want your money.

The worst company to do any kind of credit card business with if you change your account information you best make sure it's correct because if it isn't they will not accept that as a reason for why there were so many dishonorable payments one number incorrect and they refuse to reinstate my account which has always been paid in full every month and the service person even stated yes I can see that your account has been was changed I will never do service with them again anything with them if I know they're the bank that takes care of the store credit card I will not have a store credit card with that store that's a fact.

This has to be the worse company to offer credit to consumers. 2nd account where I've done business with a company this time Lowe's. Perfect payment record of on time payments. My credit report shows 100% on time payments for 9 years and this place closes my account for no reason. I personally will no longer shop where businesses use this company.

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.

Synchrony Bank ran my credit without notifying me and reduced half of the approved credit claiming that they were doing it on a regular basis and that it was in the regularity part. I spent all night looking for it and never found where it was written. In addition to that, they added more interest than allowed. I hope JC Penney reacts because they could lose a lot of customers to imposter banks like Synchrony Bank.

I tried to add my 2nd Synchrony card to my account and the whole process took almost 20 minutes only to get an internal error from their server. Their customer service is arguably in the top 10 for being worthless.

Please do not get a credit card from synchrony Bank Please they can decrease your limit when ever they want and that mess up my credit DO NOT GRAB A CREDIT CARD FROM THEM PLEASE

Their website is abhorrent, engineered to be as frustrating and difficult to navigate as possible. It logs you out repeatedly and constantly has technical issues. They hide information about pending interest charges from clear view, duping you into paying more money over time. Horrific customer service. Just downright awful.

Been paying my bills for months now with the same checking and all of a sudden they got the wrong checking account number been going back and forth for over a week the bank web said he found one digital off so because we caught him in a mistake they shut down my Visa the bank rep I talked to is a joke account paid in full and still got close

Have had a problem with a TJMaxx Sync card since end of April 2023. I have not used since I reported the compromised charges in May 2023. When you look up the sites that charged they are bogus companies. Today s June 28 2023 and the items are still appearing on the billing. I am now being told it will take up to 60 days. I bet Sync will not wait 60 days for their money. This is the second store with a Sync card and I had similar experience with the other. Will never have a Synchrony Bank card