Synchrony Financial

1. This company, apparently, even during the challenges of covid Do Not provide the typical grace period. Perhaps this is how they offer no interest rates to their vendors. They just charge interest even if you have paid over the minimum payment previously
2. Their web site is not user friendly, despite paying on line one month the next they can't locate your information to allow you to sign in.
3. the chat folks, sent to assist, just send you a hey consider this, all the things you would consider your self.

Synchrony Bank pre-approved me for a Sam's Club credit card ($6000). When I applied for the account at Sam's Club, I was able to use the account right away to pay the membership fee. The card arrived about a week later, and when I went to activate the card, I discovered Synchrony had closed the account - along with 7 other accounts. I've never made a late payment, I pay in full or use 0 percent financing, and I have a 760+ credit score, and an income over $100,000. Synchrony's reason for closing the account? I'm a high risk. Synchrony kept my Venmo account open with a $10,000 credit line, a strange move to make for their high risk customer. There's no logic behind their actions. I enjoyed using Synchrony's cards for the rewards, but I will never attempt to open an account with them again. It's not worth the aggravation and unpredictability.

I am one to check my bank activity and keep up with payments. I never realized they charged a $30 late fee if you are even one day late. I've never been more than a day or two late, but then they don't tell you they put a late fee on your account when it shows your next minimum payment, so then I would pay my minimum like usual thinking everything was normal, but then I checked and they were charging me interest on the late fees. None of my other credit cards charge a late fee for a couple days. This company just seems to want your money anyway they can get it. I know I should of caught it sooner but I couldn't even see my history of payments or charge history for the months before July. I can do auto pay but sometimes we have to wait for the pay check that's coming in a day or so after the payment. I have definitely had better experiences with other credit card companies. At least give some grace period, you don't know what's going on in your customers lives.

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...

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 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.

I was approved and I paid my balance on time every month. Even within the 0 % interest term. This company decided to first lower the credit limit, and just now, after I paid it in full within the 18 months 0% interest period. They decided to close my account! I was infurated, not because I want to keep using the card, but because they damaged my credit score even more. They have the audacity to say that the COMPUTER., not an actual person, reviews the accounts. My income was lower last year like so many other people, and I still manage to pay this company s bill. And this is how they treated me. Once again greed and capitalism at its best.

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

I have been requesting a check for the $1546 credit on my Synchrony Bank PayPal Mastercard for more than a month now. A cruise I booked in February was cancelled in April and the refund finally came in May. I requested a check for my credit balance several times... nothing. Last week I closed me account and requested a check for the credit balance again. Today, the credit balance still shows and I haven't received anything. I've been without this money for more than 3 months now. Synchrony Bank is the worst bank I have ever dealt with. I got my first credit card in 1986.

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 wish I could give zero stars. I had issues logging in to make a payment and finally got help after a lot of hassle. My payment did not go through and they said it's from insufficient funds despite the fact there was money in my account. Since then, I had paid what was owed as well as what was the next month's payment. I was shocked today when I got a letter today in the mail saying they close my account -without notice. Not only have they been horrible to work with and have not communicated well, I would definitely not use them -I am hoping to pay off another card I have a different store with them soon as I can close it and not have to interact with them further. They have been that bad. I definitely don't recommend them in the future. I don't know how they stay in business with such terrible customer service!

I opened a Lenscrafters account and the person at the store entered my email with a typo PLUS a completely wrong mailing address. I didn't get any bills and only remembered this account when checking my credit report. I called immediately and had them look up my account because I didn't even get a card in the mail! I corrected the information and made a large payment. I filed a credit dispute but they still closed my account because of missed payments; I was up to date when they closed my account! Now I can't use the app to make payments and it's even harder. Such a horrible predatory and incompetent company.

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!

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 received an 18 month interest free loan. Never received any paperwork in the mail to let me know when my payment was due. Tried to get onto their website to log in but couldn't due that because I didn't have an account number so I have no way to pay. Then after my payment was late they sent me a text message. With a way to pay of course I tried to call costumer service and the wait time is over an hour long.
I would recommend not going with this bank if at all possible!

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

Had an acct with Rooms to Go and Care Credit for FIVE years. Always been on automatic payments, never late, never missed a payment. This past month, I had an issue with my bank and both payments resulted in an NSF. I only knew this because MY BANK notified, not synchrony. So I went in and paid both manually. A couple of weeks later I got a letter in the mail saying both acts were closed because of the NSF! Didn't try to contact me or anything, just automatic closure! Spoke to supervisor and nothing they can do… are you kidding me? Never heard of anything like that ever!

I paid off a 6-month interest-free account in 35 days, after my account was paid off I was wanting to make another purchase. The company put a hold on my account due to it being paid off early and would not release my balance. Once I called I got no help from their call center obviously based out of the country, and when I got a supervisor they were absolutely no help either. They do not care for you or any other customers and they're only out for your money and nothing else. Absolutely the worst, and I would not recommend this company to my worst enemy. Do yourself a favor and find a different credit card. This is an absolute joke of a company.