Synchrony Bank
reviews and complaints

I have owned my home for over 40 years. My husband left me 8 years ago and left me with a lot of debt and instead of filing bankrupcy I went through Turnbull Law Group and have been making $400 a month payments for over 4 years now, have never missed one payment and show on my credit report all payments have been made 100 percent on every card I have. I had a Care Credit Card for over 5 years that I used solely for medical purposes. I never missed one payment, never was late on one payment, and never went over my limit but you suddenly closed my account putting my health in jeopardy and destroying my credit score in the process.

I have contacted PayPal and Synchrony Bank several times and sent them all the proofs regarding refund but so far, no luck and they just keep giving me run around since March 2022. My account balance should be $00 but they keep adding late charges and other fees. But after the refund my balance should be $00.

My Name: Balbir Manik, 12305 Portebello Dr, Bakersfield, Ca 93312, [protected], E Mail: [protected]@yahoo.com

Thanks!

I opened a HYS Account in April 2023. In order to transfer funds into the account I had to have my external accounts verified. The accounts were verified and I began transferring money to Synchrony Bank. I needed to make a withdrawal and that is when the problems began. The Bank put a restricted status on my account and was refusing me access to my funds. I called and they told me that they had to verify my external accounts and it would take 3-4 business days. The accounts had already been verified, so I knew that was a lie. The restricted status appeared on my account anytime I tried to access my money. Customer Service Reps could not provide any information as to why it was happening and that the "back office" is responsible. No one can communicate with the back office and apparently they don't have phones. After weeks of no access to my money I finally got a customer service person to investigate the issue and it turns out to be a computer issue and my account was in fact released within a day. I began removing my money from this bank due to the problems I kept having. Then it happened 2 more times. I was told there was nothing they could do until the status was unrestricted. Almost 3 weeks later it remains unresolved and I have no access to the remaining funds.

Several of my accounts were reduced without supplying any notice of intent, This has affected my credit score. Synchrony had assessed the high lines of credit over that past years and because of some internal decision making is reducing these accounts to the amount owed only. Please review this complaint on my behalf. The recent credit card was Chevron.

I used my Synchrony Care Credit Card to pay for my pets eye surgery. My dog had one eye removed due to an accident. One year later Animal Eye Consultants did a procedure, crosslasing which cost me 4,000 with eye surgeon. One year later her sight got worse, running into things, not seeing clearly and same surgeon now said a corneal graph would improve her sight to where her sight should be removing a cataract n putting in a contact $6,000 surgery and my pet couldnt see in front of her n was running into things. 5 times of returning back to surgeon each time after n explaining how her sight is now worse then before her. Each time dr assured me she could see just fine benoist to me telling him she could not and now wouldnt go down porch steps and jumping up or down made her afraid because her site after graph became worse. Frustrated and angty not being heard i then filed a dispute claim for 5200.00 only for the graph surgery because i was assured after the graph she would have sight in that eye restored i filed a dispute claiming the surgery did more harm then good and the outcome was nothing like they assured me it would be. I thought that there would be an investigation n an impartial party would be investigating. Syncrony merely sent it to the eye surgeon and he said he performed it and everything went well and that was the end of the claim n i needed to pay. Isnt that a conflict of interest? Of course the surgeon is going to be bias...he did the surgery. I sent in paperwork stating i went back several times and complained my dog couldnt see yet Syncrony bank dismissed the claim. Im stating Syncrony should have had an impartial investigation n looked at all content submitted instead of asking the surgeon how he believed the surgery went. Of course hes not going to make himself look bad. Def Conflict of intrest and Syncronys claim was nothing more than a one sided dispute. I never had a chance to win this disputed claim. Im so angry the claim was dismissed over one surgeon, not a team of unbias members looking at the obvious content i filed. Ridiculous. Felt more like a witch hunt and i was the witch being burnt. Terrible customer service.Syncrony only wants paid.My story was thrown in the trssh along with all the obvious paperwork n complaints i had to dispute my claim. I was never heard so now im telling my story to someone who i hope...listens

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.

It's so sad after reading many complaints that I'm not the only person Sychrony bank has randomly closed their accounts. We consumers are hit with hard pulls then you just randomly close our accounts should be a class action lawsuit. Perfect payment history then 2 random emails. Carecredit and Rooms to go both were randomly closed . Messed up my utilization on my credit.

I am disgusted how Synchrony Bank balance chased us and eventually closed our account for Mattress Firm. We were paying it off on time every single month. They gave us a $1,000 credit line and we were paying every single month on time. Then we get a notice that our credit line was decreased. Fine, so we continue paying the credit card on time each month. We just got notice our account was closed by them. We still have a balance of $425. So our credit will take a hit with a closed account by creditor with a balance. I can understand if we were late on this account but we were not. Auto pay each month. The letter said after review of our account. Well if they reviewed the account they would have seen we were never late. How is this legal. Everytime our credit improves they seem to hit us with something. Synchrony bank balance chases and then closes accounts. How is one suppposed to prove credit worthiness if they continue playing this game.

I have three different charge accounts with synchrony. I have been with them since 2012, two accounts, the third and newest, one year. I was notified by credit karma I had an account closed. Synchrony chose to close my account even though the account was paid in full one year ago when I purchased my first home. I found the email from two days prior notifiying me that they were closing the account due to a few different possible reasons. The reasons listed were debt to income ratio too high, too many high balances on revolving credit lines. I am a single mother who owns her own house painting company and has no insurance. This was the way I paid for my healthcare, my contacts and exam, my chiropractor appointments which keep me in good working condition, and was supposed to help me get my daughters braces on. When I called, the three different reps continued to tell me I had no choice, the company made a decision to protect themselves and that I could attempt to reapply in a year if I desired. I had a credit limit or $2600, which was reduced from $4500 in 2018. I have never made one late payment on any account I have. I have a lot of debt, but I have always found a way to make my payments. This is affecting me in several ways, not only am I losing the ability to take care of myself and my daughter, but reducing my credit that I am not utilizing.

I have numerous cards with them, all of which have no missed or late payments. They closed two of my accounts that had been paid in full and did not carry a balance. This hurt my credit score. I do not know when they closed these accounts as I was not notified. I just happened to pull up my account today and was unable to do so because it was closed. They should not be in business, they know fully well the closing of an account especially by the creditor does damage to the card holders.

On February 11, 2022, I ordered two 36x36 frameless bathroom mirrors from LampsPlus.com. The mirrors were delivered on February 17th. The mirrors were shipped encased in form-fitting Styrofoam in separate boxes. Opening the first box revealed a shattered mirror. The second one held an intact mirror that had several deep scratches that went unnoticed at that time.

I contacted Lamps Plus immediately about the shattered mirror. I was told I would receive a replacement, that I did not need to return the mirror, and that I would receive an email from them with an address to send an image of the shattered mirror. I received that email and replied with all the information they requested.

By March 14th I had not received the replacement mirror and had heard no more from Lamps Plus. I sent them a third inquiry that day. Again, no reply. I had purchased the mirrors through Synchrony Bank with my Sam’s Club Mastercard. So, because I was being ignored by Lamps Plus I contacted them to dispute the transaction.

Synchrony Bank agreed with my position, initially, and credited my account with the $421.82 purchase price of the mirrors. Now it gets weird. On June 24th I received a message from Synchrony Bank stating that, based upon “new information”, they were reversing the previously issued credit. The “new information” supplied was a proof of delivery statement showing that FedEx had delivered the mirrors on February 17th. That’s not new information, that’s the date I phoned Lamps Plus to report the mirrors had been delivered in damaged condition. Non-delivery was never the issue.

On June 29th I sent a letter to Synchrony Bank. I told them; “before I take further action on this matter, please verify, in writing, with a signature of an actual human with some authority at Synchrony Bank, that you agree with Lamps Plus that delivery is all that matters, that the condition upon delivery is irrelevant.” The letter was sent Certified Mail with a Return Receipt, it was signed for by Rolando Gutierrez.

On July 13th I received a Voicemail to Text message from Synchrony Bank stating; “Hello this is a message from Synchrony Bank for Steven Nick nickel [sic] regarding your Sam’s Club Master Card account. We are calling to inform you that we received your correspondence. We appreciate your patience while we review your request and we’ll update you as soon as possible. We can be reached at [protected]. If you have any questions. Thank you. Goodbye.”

I responded with another letter to Synchrony Bank stating:

“It is important to understand that I did not make a request, I stated a requirement. Nothing short of the letter described, clearly stating your policy that receipt of damaged goods is not grounds for a refund, will suffice. Upon receipt of that letter I will pay the full amount of the purchase, $421.82. I will not pay any late fees or interest as the delay is solely your fault.

“Further communications on this matter other than that letter must be via an email that is monitored.”

That is where we stood as of 4 Jan 2023. My account balance was the sum of the $421.82 plus about six months of late fees and interest. Clearly, Synchrony Bank wanted to be paid, but nobody there was willing to put their name on the letter required to obtain payment.

When the poo hit the fan I froze my account. A few months ago Synchrony closed the account. I never received the required letter confirming their implicit position that the only situation that warranted a refund was non-delivery. Goods delivered in damaged condition must be paid for.

My recent statement, dated June 13th, was quite interesting. Seven entries on June 8th with the description RETURN OF LATE FEES, and eleven entries with the description *INTEREST CHARGE* PURCHASES REFUND. The total refund was $344.31, the amount of the previous month balance. But there was also an additional interest charge of $4.49. Interest on what? I had paid the full balance each month for years before the issue with the mirrors. A quick visit to my account online showed the status had been changed from closed back to frozen.

I won't be using this account or paying that $4.49 interest fee. The cards have been destroyed. I will do no business with Synchrony Bank or with Lamps Plus. I will also do no business with Sam's Club because the Sam's Club card is handled by Synchrony Bank.

I used care credit to cover the balance of my pet's emergency services. I just got hit with my first interest charge of $527 which is more than 50% of the remaining balance. I thought something was off, but no. A customer service representative, who was great, explained the fine print states that the interest will be on the purchase price once the promotional period ends. I was shocked as I am a great customer - I am diligent about making payments and pay more than the minimum payment almost every month.

I made my monthly payment, called to allocate the payment to my promotions and was talked into enrolling in autopay and was told that would start on Aug 4ht but my bank had both payments coming out the next day. My bank had to put a stop payment on both amounts in order to make sure the autopay didn't come out because my account would bounce, was told to resubmit payment in a few days which I did and they closed my account

We ended up with an account with Sychrony. Bank as we purchased a large item. No problem with paying for the item purchased, we paid monthly payments and paid off early. However, my husband has an Amazon card and a Paypal account. For some reason they ended up being attached to Sychrony Bank (dont have any idea how). We were not aware of this, until he received an email . from Sychrony and PayPal on heading. We contacted them and it was a nightmare trying to figure it out. We paid bill by check. Closed the Sychrony Bank account, but up the cards. Then a month later he receives email, this time with Sychrony Bank and Amazon on heading. Since we no longer have an acct with the Bank and could not find any purchase for the amount owing. Cant get to statement to see what you purchased. So we finally found a phone number to call. Too confusing to go into detail. We did purchase an item from Amazon, but not for the amount shown. The reason being is they charge 100% in fees.

Neither time did we receive a statement stating amount due only when it was past due. C/S said email must have gone to spam. No they did not. If they had we wouldnt have got the late payment notice. I think they are not conducting business in a honest way. They wait til payment late then send notice. We did pay the amount with fees. But we have now cancelled any card that has anything to do with Sychrony bank. Be aware of their practices. If I purchase something and it goes through Sychrony Bank I will not purchase the item, so those companies that are associated with the Bank, may want to re-evaluate.

These [censored]s arbitrarily close accounts, no warning. I had an issue with my bank, and they closed it after missing 2 VERY small payments (less than 20 bucks)

They are horrendous to deal with- no bending, no ability to reopen after explaining your situation. Somebody needs to sue. I already reported them to the CFPB for unethical business practices.

SICK OF THEM.

Today I find out that my carecredit account had been closed. I was not notified by synchrony, I was notified by experian. I have perfect payment history. Until last month I had had no problems with making my payments. Then all of a sudden the scheduled payments that posted on my carecredit account were being reversed, 2 payments were reversed after carecredit showed that they had been paid. I wasn't even notified that the payments had been reversed until over a week later and of course there were late fees added. When I called customer service I was told that I had to take it up with my bank because the issue was with my bank not them. He would give me short rude answers that didn't answer anything and was anything but helpful. When I contacted them about the closure of my account they were still not helpful. Said it was closed automatically due to the 2 payments that were reversed last month. I've always made my payments, some months I made multiple payments and most times it was each more than the minimum payment required. I think it is unfair and unethical and after reading these other complaints I see it is a regular practice with this bank.

I've been fighting with Ashley Home Furniture & Synchrony Bank for 18 months involving an item (rug) I never received from Ashley Home Furniture Store in Lake Charles LA. I was on assignment there, as I work for the Dept. of Homeland Security. In June 2021 I purchased a living room suite from the Lake Charles LA Ashley Furniture Store for our new home in Cantonment FL to be delivered. The item in question was supposedly delivered to my address in Cantonment FL sometime before me & my wife moved into our new home. We purchased the home in May 2021, but didn't move in until August 23rd, 2021, at 279 Shay Trail, Cantonment FL, after having our household effects delivered from Jacksonville FL where we previously lived. While waiting on the Lake Charles LA Ashley Home Furniture delivery, my wife & I visited the Ashley Home Furniture Store in Pensacola FL in July 2021, and we decided on another living room suite my wife liked much better, so right then & there while in that store, the Salesman assisted us with contacting/calling Ashley Home Furniture Corporate Office to cancel the Lake Charles Ashley Home Furniture Store order. The order was canceled. We then ordered a living room suit from the Pensacola FL Ashley Furniture Store. While waiting on the new order from the Ashley Home Furniture Store in Pensacola FL, the living room suite from Lake Charles LA showed up at our house. I informed the Driver that we had canceled that order and to take it back, which he did, as we were waiting on the new furniture order from the Pensacola FL store.

To rectify this situation, I drove 4 hours to the Ashley Furniture Store in Lake Charles LA in March 2022 to discuss this ordeal with the store manager where I initially purchased the order and the order was initially canceled by Corporate, who said to me he would take care of this. Never happened. Next, I mailed certified letters to Ashley Home Stores Corporate Office, the Ashley Home Furniture Store in Lake Charles LA, and to the Ashely Home Furniture Complaints dept., to no avail. Something is not right here. I do not accept the findings of the investigation. Synchrony is messing with my credit. My credit score has dropped due to this unfair accusation & sub-par investigation. I want my credit restored to where it was. If you look at my credit involving other Synchrony Financial credit accounts I've had, or still have, (JC Penney, and another Synchrony Financial account paid off) you will see where I have not missed a payment, and in fact have very good credit, other than this one account (Acct# [protected]) that I'm speaking of here that has dragged my credit score down to a 540! In fact, if you look at my entire credit report, you will see that I have not missed a payment, nor been late on a payment on any of my accounts. If I have to, I will hire an attorney to look into this matter to get to the bottom of it.

Darwin N. Driscoll

MGySgt, USMC (ret)

[protected] cell

[protected] work

7/10/2023 I have 3 Credit Cards thru Synchrony Bank. There are 2 with zero balance. The third one Car Credit is the one I'm having problems with. I made a payment of $800.00 to the account on July 5th. I just found out today that they placed a 10 day hold on my payment and will not let me know the reason. I am now at a -$11.00 on the account. I have to pay for my vehicle that's in the shop but they won't credit the amount I paid. I spoke to the customer service rep. and ask to speak with supervisor, she informed me of the 3 steps. She couldn't help me to she transferred me to the Branch Accounting Manager. She also couldn't help, she cited a policy that stated they have the right to place payment on hold and they don't have to give a reason. I ask to speak to the next person up, that is the President and CEO of Synchrony Bank Brian Doubles. They won't give me a number but instead gave me a fax and P.O. Box address. I am in the process of contacting him. I have never heard such a ridiculous think as putting a hold on a payment for 10 days.

I will never, EVER do business with Synchrony Bank again! I’ve had a R2G card for a little over a year, NEVER made a late payment, & even dropped a couple of $1K+ payments to avoid interest. Then out of the blue, I got an email last week saying my account was being closed due to no real estate & too many inquiries, yet I’ve only applied for credit twice since I got the card!?! This is now going to affect the credit score I’ve worked hard to build, & it’s not due to any fault on my own. Is there no way to file a class action suit against Synchrony for doing this to people? It makes me want to close all of my credit cards, just to make sure this never happens again…