Synchrony Financial

NEVER use Synchrony for CDs:
- I informed them over the phone and in writing on 05/01/2023 that I wanted to cash in my CD that matured on 04/28/2023.
- I uploaded their form on 05/01/2023.
- I made an error by not selecting state tax be withheld.
- They did not inform me of this until 15 days after they received my distribution request, as I did not receive their 05/10/2023 letter until 05/16/2023.
- I corrected this less than 48 hours later.
- They never communicate in a timely manner or call back when they say they will.
- Their staff made multiple errors in closing out this CD and transferring the funds.
- They informed me by letter dated 05/12/2023 they auto-renewed the CD.
- On 05/26/2023 they transferred the funds, less a $62.95 penalty for "early withdrawal," from the CD I made perfectly clear to them i did not want renewed.
- Escalations Dept. Supervisor Kim refused to speak to me on phone. She stated, per CSR Theresa, I am completely at fault for delaying the transfer of funds so they decided to renew the CD.
- Supposedly another Escalations employee (who is a subordinate of Kim?) will take a look. CSR Theresa on 02/20/2024 said they "should" send me a letter when I asked if I was supposed to keep calling them back to check status.
- I told her I'll just start filing complaints with BBB, CFBD, FDIC, etc., which I have. She just laughed...

Customer reps hangs up if they don't know how to help. Online system won't let you log in. Can't get help on customer service without know EVERYTHING you need that's in the portal but you can't log in. One big circus dealing with these people.

No matter what number one calls, it is always answered by same STUPID computer. No way to get to a real live person! So relieved that I will never have to do business with them again! Just like this review. Have to jump your hoops

Absolute worst customer service in the world. They make billing mistakes, charge you interest and late fees associated with those mistakes and then refuse to correct the issues. They make money off of the card holder by way of false interest and late fees. I canceled my card immediately. Beware of this company.

I am deeply dissatisfied with my experience with Synchrony and their Credit Security Service. In April 2021, I opted for a financing option for my new Air Conditioning system, and it has turned into a nightmare.

Automatic monthly payments of $285 were set up, and I recently discovered an unauthorized balance of $4,268.37 on November 13,2023. Shockingly, Synchrony had enrolled me in their Credit Security program without my consent, charging an outrageous $159.5 monthly fee—more than half of my original loan payment. This fee accrued interest at 26.99%, resulting in an unjustifiable balance.

When I contacted customer service, they claimed I had "opted in" during the loan application, a fact that was never clearly communicated. Despite my objections, they offered only a partial refund of $1,785.89, insisting I bear responsibility for the remaining $2,482.48.

This resolution is unacceptable, as I never willingly enrolled in or desired the Credit Security Service. Paying the contested $2,482.48 under duress is my only option to avoid further interest charges.

I urge others to be cautious when dealing with Synchrony, as their unethical practices have had a severe impact on my financial well-being. I've filed a complaint with the Better Business Bureau and requested an investigation with the NJ Department of Banking and Insurance to address potential deceptive practices.

Consumers deserve transparency and fairness, neither of which I experienced in this situation.

Paid off my card, $4,000. Was told there was now a hold on my account for a week due to the payment size. I asked for a review by a person, was told that's not possible. I will be canceling my card.

I just won't recommend them to no one! My monthly payment is $28 but I get charge $40 for late payment. When you are ready to make a payment they are unreachable. And they also keep blowing your phone... it actually a true nightmare with the credit care synchrony bank.

They do not tell people that their is a 6 month period to pay your balance or you are charged an extra 65 percent interest in contract. On top of that they do not tell tou that if you are 2 hours late on payment you be charged 30 dollars and if your late again it will go up even more. Evil company do not go through them.

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!

This is a HORRIBLE company to deal with for credit, I have had a Home Design credit card with this company since 2020, I used it 1 time to help finance the remodeling of my kitchen. I have been paying the card off, ON TIME, then I get a electronic email saying they are closing my account, but my credit rating from them has been positive.This is SO stupid and this is a incompetent company and I don't even use the card anyway. No reason to close an account that is current.

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

I have made a complaint in Synchrony since a few months ago I applied for financing through an air conditioning sales company. I made a claim, because this company did not comply with all the agreed terms and I lost 7 days of work every day that they came to check the air. Synchrony is the intermediary and therefore the one that pays them. I have submitted everything required such as messages, calls, the times the technicians have come, photos of the air conditioning thermostat showing that the unit was not working correctly, etc. I never asked for a full refund of the payment, I only asked that the other company pay compensation for the services not offered on time and the quality of the service mentioned. I only ask that I be provided with the service for which I paid and if I do not pay for that type of service that I be charged in the same way as the service provided by that company. Synchrony, as an intermediary and mediator in this situation, must review all the information provided before making a resolution in favor of the company. It is unfortunate that companies like this are playing like this with customers. I don't recommend it to anyone. I hope with this I can help at least 1 person make a decision before using the services of Synchrony Financial Services.

This company is absolutely horrible with communication. After the amount of money I have spent with this card, they cancelled my card for non use without notice, devastating my credit score. There are too many other options, advise you to get a different financing company

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.

So their auto-withdrawal function doesn't work, and their intake staff on the phones or chat aren't trained or have interface to address it (so their machines won't take your monthly payment and it'll also be held against you). In the year 2023 I had to make manual monthly payments to avoid the drama. If you need the credit take it, but if you have the time/space to look for other credit lines (look for them; there are better organized banks).

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!

First off, trying to talk to someone is jumping through hoops. The fact that I feel like I was screwed into the "no interest charges" and when I noticed they added 2 years of interest on my furniture, now they say they will drop the interest charges if I pay off the balance but STILL make my monthly payment on top of it. This is robbery and I hate that i put myself in this predicament. Never again. BOOOO

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.

I seriously wish I can give a lower rating than 1 star. This company is a joke. They give you an app to make your payments on but it is never working. It has been down for over a month and there is no way to contact Customer Support. I am NOT allowed to make any payments and will sue the hell out of this piss poor company if they even so much as think about affecting my credit because of it.

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.

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push notification with Credit Karma. I am more so concerned about the Levin account. I called into customer service and the first representative I spoke with was extremely rude. He told me a letter was sent to me and he read the text of that letter. He eventually hung up on me. The reasons for my closure is completely bogus. I understand I agreed to their terms and conditions upon opening the account, but that doesn't mean I can't dispute their decision. I called back in and spoke with a friendly rep who transferred me to a supervisor. The supervisor told me it is impossible to reinstate my account, although reading some of the other complaints on BBB it seems they did reinstate other accounts for people. She gave me the corporate address to which I mailed a letter. I also filed a complaint through the chat system on their website. They sent me an email a few days letter with another letter that basically said the same thing as the first one. It was a do not reply email address so I couldn't send a response back. I
Have made every single payment on time for all 3 accounts that were closed, I had these accounts for years! It's no wonder why these guys have a 1.9 BBB rating. Closing your customers' accounts for bogus reasons is terrible customer service. I will consider my complaint resolved when all 3 of my closed accounts are re-opened. Until then, I will continue mailing letters and filing complaints with customer service.

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