Synchrony Financial

Getting in touch with a live person and getting any resolution to any question is near impossible. Several times once I was able to get a live person, they say hold on while I look into your account and they never come back. I have waited over an hour twice, only to not have the agent come back to the call. Also there always seems to be an issue with their credit card and the "promotional auto purchases". Never coded right and they start charging interest so you need to call to recode the purchase, which leads to them never coming back to the call. Not a reputable bank for anything.

I tried to call them to regain online access - it was sent a call centre in the Philippines. I said I did not consent to being recorded and the Filipino woman (clearly unempowered) said I will make a note of it. I asked to speak to her manager and waited about a half hour on hold - Synchrony recording the call all the time. I finally hung up. I think this company needs to be investigated by some black PI's and expose who their leaders are and then dox their home addresses. Maybe we could even get a dirty lawyer to file a class action suit against them but we all know what dirty lawyers suck on don't we - Synchrony Financials' largess. It's hopeless people - done game over.

This resulted in my credit score tanking. For some reason this bank closed 2 accounts I owed nothing on. I had made my payments on time for all of my accounts with Synchrony. The remaining 3 accounts they lowered my credit limits by several hundred dollars so that I was maxed out, literally over night.

Fraudulent purchases made to my account! That totalled over $1000. 00 Through Amazon! When
I asked them to Audit my Account, the closed my Amazon Card and sent me to collections!

Got Amazon card through them. It got compromised, they blocked the card, asked me for my current address and promised to send a card.
Two weeks later I call to find out where is the card - it was sent to the old address! "we will send you a new one".
Fast-forward ten days - no card. I call. "We are sorry the card was not delivered, we will issue a new one".
WHATTTTT
If this time I don't get a card, I don't care, I will close this account.

I'm disappointed in synchrony bank! Absolutely NO ethics or integrity. I've received $120.00 in late fees for paying a day late. Most banks give you a couple days grace period. They even told me (afterwards) if I pay a minute late or a $1 late, I'll receive that fee, Really. God in heaven please help me pay this card off & never again. Thanks synchrony, I was wondering why my credit score was lower. NO Morals!

I have a good job, I pay all my bills. I actually worked on my credit score and brought it all the way up. Any type of place that has a credit card is owned by synchrony bank. I filled out applications for two separate places. Both denied due to. To many inquiries, no retail credit, how the $#*! am I supposed to get retail credit if every $#*!ing place is under this $#*!ed up $#*! bank, then it was also not enough time in between your last delinquent payment. But everything on my credit report has been paid off! You know why there are inquiries because I actually fill out applications. But if they are attached to this bank you won't get $#*! it's actually sad! I'm wondering if I can go to the Better Business Bureau. It's been about 2 years before this incident. Before I was denied because of my credit score. Now that I've brought it up, they have new ways of not issuing credit. $#*! synchrony bank!

They reduce your credit limit for bogus reasons so your credit takes a nice hit if you have any kind of balance. They reduced mine to 12.00 over the amount I owed (which was only about 15% of my available credit) so now I'm showing almost 100% usage lovely. Not the first time they've done this but that card had a zero balance at the time. Stay far far away if you value your credit.

So i have 10 credit cards with them all of them have very high amounts on them to spend ive been with them for about 5 years all of my credit cards r paid off don't owe anything on them any how they closed all of my accounts out this week 05/24/22 over me keep asking for a credit line increase the reason they closed them is im a high risk of going on a shopping spree remind u i have had them for 5 years now and all of them is between 10,000 and 9,000 so would u think by now i would have already gone on a shopping spree i really don't care if they closed 7 of them out but the 3 i do use is my jc pennies 2 times a year for my daughter and grandsons for school shopping and my sams store card i use it sometimes for groceries for my grandsons and daughter and my care credit card for my doctor appointment and dentist appointments remind u even they have 10,000 credit on them thanks alot for closing out my accounts over wanting a increase i have a 750 credit score and i was trying to get it to go up too 800 and now today it dropped 20 points over them closing my cards out? Has anyone else gone through this im really saddened that they done this to me i can see if i was late and never made payments and if i was out there chargeing them up thats around 100,000 dollars i could have racked up if i wanted to im a responsible person with my credit cards and score just over wanting a increase too boost up my credit score. Really like to have the three credit cards i mentioned reopened

I'm spreading the word as much as I can - don't get involved with these people. They close accounts in good standing for no reason. Trashed my credit!

I was approved for $6,500 credit line at a furniture store. Total purchase price was $4,500 a few months ago. Since then, I've paid more than the minimum due but also purchased a car. Because the car purchase lowered my credit temporarily, they lowered my credit limit to $4,000, totally slamming my credit score.

In essence I'm being penalized for making payments above the minimum balance because if I had only made the minimum, they wouldn't have been able to lower it as much. You call for customer support and they say "as long as you make the minimum payment, your account will be in good standing". No $#*!, that's not the complaint. This company is worse than trash. You ask for a supervisor and the same person comes on, asking more questions as if they're the supervisors spokesperson. Pardon my language but this $#*! is crazy and I'm so frustrated with them.

Trash.

This so-called bank is atrocious.

Spouse opens an Amazon card, then backed by Synchrony, with a 750+ credit score. Physical card fails to arrive, but card or statement are required to set up online management of account. They charged some initial fees (annual? Prime?), so the card started with a balance that we didn't know about - so that in combination with inability to login, resulted in a missed payment on my spouse's perfect record. Called service several times and they would not provide account info without us having the physical docs, but gave us the mailing address to remit payment and told to reference his SSN? Round and round we go to get a replacement. Three months later, we're making blind payments to a card we have zero visibility on and we finally get the card, and we've now overpaid the balance with a credit in our favour. We spend that balance to level set to zero. Six months and zero purchases later, we receive a notice that the credit line of $2500 has been reduced to $250 for lack of use. We cancelled the card within ONE year. They had the nerve to reduce the card to $100 in case we wanted to use it to finance the Amazon Prime charge? We had to call back again to firmly cancel. What was the point of all that?!

We now have a JP Morgan Chase card with Amazon, btw. Offers all kinds of cool flexible payment options and perks. Couldn't be happier.

Fast forward and I finance an initial purchase with Google Store at 0% with Synchrony. It goes well enough so I make some purchases annually at Christmas and then last year I skipped and didn't make any - To be clear, I didn't want a whole Google Store card; I only wanted to finance my purchases at 0% because, obviously - why not? Make every payment without fail, all purchase agreements 100% satisfied without any issue whatsoever. Now they've reduced my credit line due to non-use and it's triggered a bunch of alerts from my credit monitoring that my score has decreased due to this credit line reduction. I know that these things fluctuate all the time but this seems completely unnecessary. I'm getting a wrist slap for not using your card? Because I need to buy Google products every day, right? No other card we have has ever penalized us for non-use. Not even Amex!

Who are these people and what profile of cardholder are they looking for? Not the paying kind! Not the good to excellent credit rating kind! So upset by this that I'm paying off the last of my 0% finance purchase in full and early, just to close this card. What does that tell you?

Hey Google! Switch companies! Offer 0% purchases with PayPal or Affirm or co-brand a card with a real bank and allow people to charge their Google Ads and/or offer financing options across all of your business units.

This is not helping your brand to associate with Synchrony Bank. You're in the dark ages with these guys.

I haven't had any problems with them until they just up and closed my account after one year of inactivity. I have several synchrony accounts but this particular one that they closed was a furniture account, now who buys furniture every single year? I had a 4000 dollar credit limit, now my credit score is going to take a hard hit because they just up and closed it with no warning, had I gotten a warning I would have went and made small purchase to save my account. This just shows they care nothing about a valued customer, I always paid on time and didn't miss any payments, and when I did fall into a little financial situation I called them and made arrangements! All I ask is just give people WARNINGS, before you just up and close an account!

I will never accept a credit offer through synchrony again. I had an old navy account with them for about 8 years, always in good standing, that was abruptly closed. I then had an account through mattress firm that was also always in good standing. This account was also abruptly closed due to my credit score declining, despite my credit all being in good standing with every account (score decreased due to high balances due to being in school).

While I still had my promotional balance respected, they refuse to lower my monthly payment despite the fact that my minimum payment is higher than necessary to fulfill my balance prior to the promotional credit ending (they stated that they cannot lower it bc that was the merchant agreement, but synchrony was who CLOSED the account).

The monthly payment was really just a minor frustration, it's the closing of accounts in good standing that negatively affect someone's credit score that has already decreased for whatever reason. I have never had another company do that despite my credit score varying a lot due to a number of things (Large purchases, etc.).

In my opinion, that's just bad for business and so I will never give them mine again even though my income and credit score have greatly improved. I will finance through companies that don't screw over their customers.

HORRIBLE COMPANY! I used some of my OTHER credit cards at Christmas time. So that dropped my credit score. THIS bank decided to check my credit AGAIN without my permission and dropped my credit limit so it looked like I had 97% of my card used! It cut my limit in more than HALF! I've paid EVERY payment EARLY and above my minimum payment! I've NEVER in my life had a company DROP my credit limit! I will be getting rid of this card ASAP!

I wish I could gice SUB ZERO stars. Horrible company that is a glorified mob outfit that sends you bills with contract information you think you're getting but the information disappears on their screens when you attempt to pay or clarify a bill. Excessive charges accrue for no reason. Incompetent staff and they hang up on you. Full of lies and deceit. Do NOT finance through this company. Avoid at all costs. I had 2 years to pay off a furniture bill with 24 months deferred interest. Synchrony conveniently didn't have that contract when I tried to pay the bill off 7 months early and didn't honor their promotional offer of differed interest which is what they put in writing on the bill they sent. They had excuses as to why they didn't have that information and told me to mail a dispute to another department which is another cubical over. No one apparently in that department has a working phone, starlink, 5g, satellite, email, or morse code. NEVER USE THIS SHADY UNFIT FINANCING COMPANY. THEY ARE SCAMMERS.

This company is incompetent in handling calls. They will get your information and you give your whole spill and ask you to hold on then hang up on you.
Never believe what they say. I make all my payments on time and they tried to stick me with a late fee of 28.00 glad the dispute worked
BEWARE of your sales person and check with BBB first before getting credit from the company.

Would give synchrony a ZERO! If you make an early payment they charge you a late fee! They overcharged me three months in a row... payments were never late! They robo call me constantly! They're CRIMINALS!

I have 3 accounts with synchrony and get 5-12 calls a day. My payments are up to date but they just want to call and "remind" you that you have a payment coming up. They randomly charge you a late few and constantly lower your limit which screws with your credit score even if you make every payment on time...