Synchrony Financial

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.

I've had several Synchrony accounts. I am about to close my remaining. Cards with zero balance or perfect payment records will be closed just because Synchrony suddenly deems you at risk. I have a flawless credit history and never so much as a missed payment. But, now my score has dropped because for the second time in a year they have decided to close out my accounts in good standing by lowering my available credit. Good riddance.

Do not ever even get a loan with this company let alone a credit card. We called to get a payoff on our loan and they quoted a payoff. No explaining anything, mind you I had just made a payment. Calling in again today ask why the title had not been mailed yet and are told we owe more than payoff that was sent. That being said on this same call I was given THREE completely different payoff amounts even in one call. Then get to a manager named Savannah and get hung up on. The complete worst company and customer service ever including a manager. Then being told it would take another 3 to 5 days to for a call review for previous calls.

I got a Sam's credit card recently. Traveled to relatives on Thanksgiving. Tried to make a purchase on Amazon. Because I was out of town, Amazon deemed the purchase suspicious, so Synchrony automatically cancelled the card without contacting me. That was Nov 21st. Synchrony did not even mail the replacement card until Dec 5th, 14 days after they unnecessarily cancelled the original. I will still use the replacement card, depending on which year it finally arrives. But I do not trust their system. I will only use the card at my local Sam's Club, nowhere else. Synchrony credit cards cannot be trusted. Their system is fully computer controlled and they will cancel your card with no warning because you made the mistake of using their card on a trip to another city.

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.

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

They look real and very serious until you gave them a try. They will ask you ton of documents to prove your identity until you get tired to do so. They suspended my withdrawals as well as my balance of $*******. Stay away from HitBTC because they don't allow withdrawal after you deposit so it will be wise to rather invest in a more competent company lik tradecrypts. C -o+
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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.

I have read many of the bad reviews and have concluded that consumers are not reading nor understanding the terms of the contract before making a purchase. I have never had a problem with any card financed by Synchrony Bank. I have had no problems disputing purchases for a valid reason. Customer service reps are professional. The secret to using cards backed by Synchrony is simple. Pay your bill on tome or early. Make the payments for more than the minimum requested. Do not purchase anything that you can't pay off in less than 6 months. Remember your income to best ratio. If you are paying out more than 2/3 of your pay or earnings to bills already… whatever you want to buy with a credit card…DON'T! You too can have the same great experience with this bank as I have

They will destroy your credit by continuously lowering your account balances.
I have never been late with my payments or gone over my credit limit and only requested cards with their associated companies to build my credit. However, as a result I have had my credit score lowered time and time again due to the lowering of account balances by Synchrony.
Their actions are based on activities that don't necessarily affect them.
By lowering credit limits closer to your current balance suggest a higher usage of your account balance.
Do not be fooled by this company! They are wolves in sheepish clothing!

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 had a credit limit of $1500 with amazon prime store card. For no reason it was lowered to $470 putting me over limit, reducing my credit score and leaving a scar on my perfect credit rating and worthiness. I have never missed or made a late payment. Synchrony bank screwed me.

I have many accounts through synchrony and all of the sudden they closed both of my accounts. They charge high deferral interest charges and their customer service people are outsourced so you can't understand what they are saying and on top of it you almost never get the US. The CS person said I had no money in my account and I told him I had fraud on my account and he proceeded to tell me that it's not true.
Very rude and disrespectful to customers. I give them a half a star.

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.

For anyone that is even considering this crappy company, don't do it. They closed my Care credit account with zero balance. Today they close my furniture store account, and I have never missed a payment. This company just plain suck. They close accounts whenever they feel like it, and give you a b******t excuse why they did it. If I could sue them I would.

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.

These folks are just bad at their jobs. Real bad. Hard to believe Amazon trusts them with their credit card / store card business. And that's if you're fortunate enough and patient enough to reach a live representative. Then when you finally get one, they are either inept or snarky and assuming. Terrible service and an error-prone, infuriating automated system.

This bank sucks. My cards were paid off and in good standing but apparently their guidelines changed and my 670 credit score doesn't meet the criteria so they just closed my credit card without notification. Why would you allow me to open the card only to close it? My score is higher now then when I opened the card I could see if I wasn't making payments on time but I was always on time didn't even have a balance. This bank pick and choose their customers. I'll never recommend this company to anyone

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.