Synchrony Financial

Synchrony, in my opinion, is the worst system to use for any kind of banking. Their credit department is abysmal in terms of approvals and changes in your credit. I have had three credit cards closed without notification with on time payments. I have called and they state that based on my credit report they deemed it risky and the system made the decision to close it. There is no way to appeal, all they tell you is that you will have to reapply. I mean, not even a phone call. I regularly check my statements but I do not check it daily to read a letter that they "post" notifying me of any changes that are effective immediately. You try to make a purchase and you are blindsided when the card gets rejected and you don't know why. I have one account with Synchrony and once that is paid off, I will do everything in my power to never use Synchrony again. In my opinion, it is best to stay away from Synchrony due to their communication style, customer service, and just overall lack of humanity.

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!

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!

Not only stay away from them run as fast as you can they called them self PayPal credit, but they don't honor PayPal policy six months still fighting with them to get my money back after purchasing on eBay pay with PayPal credit eBay, close the dispute in my favor PayPal close the dispute on my favor with synchrony bank, refusing to give me my money back six months fighting with them Amazon credit card, and Venmo it to synchrony bank as well I canceled both of them cannot wait to clear the problem with PayPal credit so I can close that one too. Stay away from this scam bank. That's called them self synchrony bank.

Recently, I went on a business trip. I decided to use my synchrony card and paid the balance down to zero, so I would have $1,000 to use for my hotel. I spoke to them a couple of days before the trip to make sure that they knew I was traveling, so I could use the balance to pay the hotel. When I got to my destination, my card was declined. I discovered that within the past two days they had lowered my credit limit to $100. I did not have another credit card with me that had a balance over $1,000, so I had to get assistance from my husband to help me pay the hotel bill. It was an embarrassing situation. I later found out they had lowered my credit limit, because they said I didn't have a mortgage payment. I have paid my mortgage off.

They said I had too many credit cards and they thought my balances were too high. My balances are 48% average of each balance. I had paid their account on time...never gone over the credit limit, and I had paid the balance down to zero. I'm feeling I am in a world of credit, where a person of good income and genuinely paying my bills on time.does not have a lot of recourse for something that I feel was unjust in this situation. So I'm posting this review here, if you can avoid using Synchrony Bank.avoid them. They are related to JCPenney and other major credit card accounts.

This is a terrible company that lowered my credit limit unjustly. The failed to give me proper notice that they were lowering it. They said nothing to me 2 days before when I called them to tell them I was doing my trip.
I was embarrassed, stressed, and I had paid their credit card in an exemplary matter. I paid at least $100 each month when the payment was only $30, and I had paid the balance off. Perhaps that's what they didn't like, that they couldn't make enough money off of me..

Like everyone else, I too am having the same issues. This is a warning to all who reads this to not do business with them. We financed through SB and I had many frustrating issues setting up the account (login fails, convoluted website, phone tree maze, rude customer service). I set up automatic payment AND paid an extra month just to be safe. Well, two months later I get a notice that I'm late in paying. How is this possible that automatic payments are late you ask? Well SB canceled my autopay and never told me. Not only that but I have a $30 late few, an interest rate of 26% (I was told there wouldn't be an interest rate for the first year) AND a hidden $160 monthly insurance fee that I was clueless about. All the extra money they charged me was over $650. When you contact customer service all they try to do is collect money and not fix their issues. They are a cesspool of bottom dwellers. I have taught customer service workshops before and know where business put their value. SB is all about profits over people.

Terrible company, terrible customer service, and terrible communication. Closed my account when I never missed a payment. They said I was sent a letter--never came. I called in and spoke with a representative that hung up on me after taking awhile to provide a simple explanation, which also didnt allow me to leave my Customer Survey (how convenient). The representative was also saying that the letter was sent but had trouble finding my account details and the reason for the closure? The only silver lining is the purchase on my card was 0% APR for a certain period and luckily they've not made a single DIME off me and never will. I will tell all my friends, family, acquaintances, and anyone I ever see in a GuitarCenter Store or using MySynchrony services to close it or to avoid them at all costs. Closing the card dinged my credit for a closed account, and in turn, increased my credit utilization. Can't imagine they'll be around too long if this is how they conduct business and treat their customers.

Anyone who is considering a credit card through Synchrony Bank, strongly recommend to reconsider. They isse cards affiliated with Lowes, Belks, Sam's, Care credit to name a few. After getting issued two cards through Walgreens and Sam's Club, I found out this Bank thinks its okay to rerun your credit without your permission and lower or raise your credit as they feel. My result dropped my credit score for adding extra inquiries and lowered my credit making my credit percentage higher on overall credit also making my score drop. I have had these cards almost a year, NEVER HAVE I EVER MISSED OR BEING LATE ON A PAYMENT. I have been a perfect consumer. Less than 175.00 balance on both cards and never been to the top end of credit limit. BBB reports they are not accredited and over 2900 complaints of the same action as I am stating. I think all these companies should select a new bank to handle their card services.

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

They are a predatory company. I closed all my accounts with them. Don't use them if you can avoid it.

Closes account even when you make payments on time. Never missed one payment and still closed my 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.

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.

My Dentist recommended CareCredit to me which is a Medical credit card issued by Synchrony Bank. I found the customer service to be lousy and the process for getting their credit card outrageous. The Better Business Bureau should look into this company; because I feel there is something serious wrong with the way they approved individual's credit. I was given an address to file my complaint and I plan to do exactly that. They were requesting me to do a VIDEO of my face along with a copy of my driver's license. I refused to do a Video so I was given an alternate method to verify my identify by completing an Affidavit of Identity, which had to be Notarized by a Bank or Credit Union. I had the form Notarized by my bank of 30 years, and on my own attached a copy of my Driver's License. The Synchrony bank tried to speak to the notary but she never answered her phone and it was suggested I should call her. She is a bank notary and I don't know her, I can't make her answer her phone, plus the bank has a copy of my license and credit report. I ask them to send me the Denial Letter and I will file a complaint with the Better Business Bureau and Synchrony Bank. This has been the worst experience and no one should be treated the way I was treated.

They cut credit lines for no reason just because they can. I will use other cards not them to avoid this companuy

Added activation fee, then before first statement was sent out, reported me overlimit to credit reporting agencies. Devastated my credit.

Please do not get a credit card from synchrony Bank Please they can decrease your limit when ever they want and that mess up my credit DO NOT GRAB A CREDIT CARD FROM THEM PLEASE

Please beware of this Scamming Bank! They are worst then the payday loan stores. I went to get furniture and I wish I paid cash. Yes it was under a 12 month "promotion" but no one said it was going to be the worst decision I made in a long time. After the promotion they charged me $770 in interest on a 850 balance that I had left to pay. So I called Synchrony Bank and the first thing she says is that I was in a deferment account that was holding the interest for the last 12 mos if the balance wasn't paid they they tact on all that interest from the first day I left the store "HUH" How is that a promotion that sounds like robbing the less to pay for your homes and cars Brain Doubles (CEO). I never received any notice about the change because when I was at the furniture store they never told me about a deferred account of interest. And it doesn't show on my contact that I signed about a deferred interest. I understand interest sure but 750 in one month and I'm not late and I have been making extra payments. This Cannot be legal. Never will I EVER USE THIS BANK FOR ANYTHING...Please go any other way but this way Discover, Capital One try them do not go here if you want your money.