Synchrony Financial

I'm writing concerning my Amazon card which I have had several years with a great payment history. Within the last few months I had my payment returned for insufficient funds but I made the payment within a couple of days each time even paid as much as $500 on my last payment and they cancelled my card. So much for years and years of loyalty. I will be telling everyone I know to never use this sorry bank. They don't care about loyalty. And they never contacted me to see why after all my years of loyalty if I had some issues that caused my missed payments. They don't care.

It is highly unfair that Synchrony Bank continues to raise the APR consistently on my account, over the span of 4 years, even though I have a good payment history. Recently, I discovered that they raised the interest four times in less than a year which makes it difficult to pay off the balance. Throughout the years, I had to escalate simple requests because their customer service reps would not follow through. Twice, I encountered issues with my promotional balances and my payments not being applied correctly. After 4 years of being a Walmart store credit card customer, I have decided to close my account to not be subjected to any further interest increases and pay off my balance accordingly.

I have filed a complaint with the BBB and the CFPB.
Their escalation specialist was unhelpful, apathetic, and rude. It is clear that they do not value their customers and will continue to raise their customers' interest rates without any justification, no matter if they have a good payment history or not. Last year I encountered several issues with this particular store credit card and it was only after I escalated my concerns to their CEO, that my concerns were actually addressed. In my opinion, their copy of my credit card agreement is vague especially pertaining to account closure. If you read it thoroughly as I have, the wording is confusing and no where does it state that if you close your account that you will still be subjected to increased interest rates. Their reps continue to state that it does when clearly it does not. I foresee a class settlement since they're shady and unethical. It is not a coincidence that many of their customers are dissatisfied with their customer service and many feel that Synchrony Financial should be investigated for their ridiculous interest increases. Furthermore, they actually lied in their rebuttal stating that I was requesting a 0% APR on my account which is ridiculous. As I consumer, I have every right to inquire about their unfounded interest hikes. As many customers have stated, they are a joke. I have no desire to speak to anyone from Synchrony Bank regarding this review.

Care Credit is a Fraud. My husband and I went to dentist we have delta dental and decided to get care credit as a secondary insurance. Well the dentist charged care credit 3,000 for nothing on carecredit. The money was refunded and care credit refused to change payment due, even though it was done due to fraud. Care Credit still stated that the payment is due to the 3,000 fraud had to be paid. So i asked them let me get this straight you want me to pay a monthly payment even though it was due to fraud. WTF. People dont get this credit its bull$#*!. Why do I need to pay for a fradulent account

This "bank" is complete garbage. In case you aren't aware, Synchrony is the credit lender for a lot of stores, including Lowes. I have excellent credit and considered signing up for a Lowes card. However, after my experience with Synchrony Bank I will forgo an account with them.

After the Equifax data breach, I froze all credit bureaus to prevent fraud. In, what I believe to be an intelligent option for consumers, my credit bureau will provide a unique ID number to me when I temporarily unfreeze my accounts. I can then provide this unique ID number to any creditor of my choice and it will alert the credit bureau that this/these particular creditors have the authorization to access my acct. It gives me, the consumer control over who has access to my account and who doesn't. However, Synchrony Bank said they would need my account completely unfroze (i. E open to any creditor or fraud) or they couldn't process my application. This made my decision very easy... I will not be a customer of Synchrony Bank and I will not have a Lowes Credit Card. Synchrony Bank, imo is a hack of a bank.