Synchrony Bank
reviews and complaints

I have a few store accounts open with Synchrony Bank. I just got a noticed that if I continue to receive a paper statement that there will be $1.99 charge added to my account . They should be ashamed of themselves with the interest rate they charge 34.99 % now you can even get a statement from them as part of doing business . What if I did not have an email address. Based on principal I will have to start closing the store accounts (At Home, Belk , JC Penney, Amazon just a few of the retailers that use this bank).

I had a Guitar Center Syncrony bank card for 20yrs. Not once did I not pay my item in full or owe them any money. 20 YEARS! Once they audited my account and owed me $400.00.

Then I went to Musicians Friend (Synchrony Bank Finances same card). I purchased an item which I paid off. Synchrony turned around and said I didn't and owed them $825.00.

To show I paid the full amount I sent them a confirmation from the rep who sold me the item at Musician Friend. They ignored it and kept saying I owed them the money. Then they put it on my Equifax. I fought this and then I went to buy something at Guitar Center. It wouldn't take my card so we called and they wrote me 2 sentences saying I was terminated and to contact collections. Very professional 2 sentences. UNBELIEVABLE! Watch out! They out source so much who knows what country handles their accounting.

Synchrony just closed an account that I have never ever made a late payment on and they keep lowering my limit on other accounts. It should be illegal for them to randomly ruin your credit score by closing accounts that are in good standing with no late payment history and lowering limits for no reason. I’m paying off and closing ALL accounts with them and encouraging everyone else to do the same before they ruin your credit for a being a good customer and paying your bills. Synchrony is a disgrace!

Just closed my Ashley's account on my, even though I'm months ahead of payment schedule. Now they closed my Venmo Credit cars, even though last month they increased my credit line by $2,500. I always pay extra every month on that card. I assume my Mavis card will be close too shortly. This is horrible. Those lines of credit are my only way to improve my credit score. I don't own and house or have a car payment. I'm filing with the BBB, and this is horrible how they are treating long term clients that are loyal and keep their payments ahead of schedule. I have no clue what this is going to do to my credit score.

i have 6 synchrony credit cards each with payment security. over the years any claim to activate benefits is easy, after that its a nightmare. under 3.1 of their contract, they are supposed to cover or credit you, your monthly payments. they do not reimburse you or credit you. Then if no additional purchases since benefit activation date, they are supposed to completely pay the balance owed on each account up to $10,000. When making your own monthly minimum payments the final pay out doesnt cover your whole debt. this is theft by deception and beach of contract. I have proof over the years synchrony does this repeatedly. if they are stealing and doing a breach of contract with me several times over the years, everyone who does business with these deceitful scammers is getting tricked and stolen from as well. if those 9/10 of a penny adds to millions and billions for gas imagine how much money they are stealing from all customers! please any lawyers contact me at [protected]@gmail.com or fax me at [protected]. any information I would like in writing.

i have always paid my synchrony account on time every month since opening my credit account with them for Jerome's furniture. I was 10 days late this month in March 2024 and when I logged in to make the payment i saw they had taken the liberty to close my account without contacting me as their consumer to notify me of this decision or even giving me the opportunity to resolve or rectify their decision. now they closed my account NOT for abandonment of financial accountability towards honoring my contract with them. customer service has been of no help.

Amazon Store Card *7907- 100.00 Payment

"My bank has confirmed that they have received my payment and your representatives have assured me that the money has been deposited. However, it has been six days and the software still shows that the payment is in process. I am unable to access my account even though I paid off the balance. This is terrible and I need your help to resolve this issue. Please fix my viewing page. I have tried using the chat, but it was not helpful. I need to speak with a human."

THERE IS NO BENEFIT FOR EARLY PAYEES

My credit card was canceled with no notice causing my credit score to drop almost 100 points. I have worked diligently for the last decade to build my credit score and this bank was able to close my account 5 days after my last payment and decimate my credit. I have NEVER missed a payment or been late on this account. My credit utilization was also not near 100%. It was right around 70% as I had a promotional balance that was going to be paid off in February 2024, causing them to make no money on interest. I can be contact by email or phone. [protected]. [protected]@embarqmail.com

My Lowes card was discontinued for no reason. in December of 23 I purchased $950.00 of gift cards ay my Claypool Hill Lowes store. My card was placed on mhold due to suspicion of fraud. I finally explained to whomever that I actually made the charges and my account was paid in full. Now my Lowes card will not work and I'M denied a new one. I have spent thousands of dollars with Lowes using my card and never missed a payment. i resent the way I am being treated and will begin letting our local elected state represenatives along with our Fededral elected representives just what kind of crappy orginazation Synchrogy is . I cant even find a number to allow me to speak to a human being that speaks English well enough to carry on a conversation. I am requesting someone please contact me ay [protected]. This treatment is totall uncalled for

We have five credit cards that are handled by Synchrony bank. Payments have been on time. The Harbor Freight account had been paid from an account my husband specifically had when he was working. When he was let go from that employment the account did not have his salary going in, but I, out of habit, paid the Harbor Freight credit card from that account. As soon as I was made aware of what I had done I made the payment out of his other bank account. I explained what I had done, apologized to the Synchrony representative. Synchrony said the Harbor Freight account was shut down . My husband explained that this was a mistake. Nope Synchrony did not have sympathy for a mistake. They said sorry it was their policy. The account is closed.

Just simply not worth my time and effort applying for your store credit cards! I got approved for the Lowe's card, and I try to use it and am just met with it not working at all. I call in and get one thing out of the way. Does that mean a green light to use the card?, No it doesn't! Got to call in and go through the steps I just went through! Facial recognition and photo ID? No other bank made me do this! How much does it take to prove I am who I am? No, you people require to much. It wasn't worth the hour+ it took this morning to not place an order, now I got to call in and spend the time with you to try to accomplish that, at this point simply not worth using you. If I knew your bank's lack of trust for people, I wouldn't of applied in the first place! It's almost like what I'd assume what it would be like to be booked for a crime trying to get the use of one of your card's. Simply not worth the time and energy!

Someone in the Dallas, TX office of the Synchrony Bank took out a Belk Dept. store credit card in the name of my husband Harold Willard. They charged $89.70 in merchandise. Neither my husband nor I have or want a Belk Dept store credit card. On December 9, 2023, I received a credit card bill from the Belk/ Synchrony Bank, Dallas, TX. This is credit card fraud. My husband did not apply for a Belk credit card, nor did he want a Belk credit card.

I have several Sychrony Bank backed credit cards. Synchroney has a disreputable habit even if you never miss or have a late payment to lower your limits which causes your open to buy to drop and also causes your scores to drop. I have been phasing all their cards out. My banker said they are third rate and suggested calling all my reputable card companies, (ie, Chase, BofA, Credit One, Bank Of Missouri) and explain what happened and ask them for a limit increase. I found they were very helpful when they reviewed my pay history and all raised my limits. Then I sent payment history to the accounts they handled of mine with proof of pay history and suggested they need to find a reputable backer. If you start to open an account stay away from Synchrony.

Several months ago, I wrote to draw attention to a billing dispute. I'm unable to use a phone. In short, I'm still being billed -- with penalties added -- for something that I returned within a day or two to Amazon after receiving it and finding out it was defective merchandise. I was eventually sent an email stating that Synchrony was investigating it, but haven't heard back from them even though it's past the allotted 60 days it's supposed to have taken for the investigation.

You closed my account for inactivity without any warning at all.

Is this legal? Yes it is legal but it is totally unethical and totally reprehensible. Ultimately your business will be punished as your reputation (already questionable) continues to deteriorate.

My situation is unique. I never wanted credit card from Synchrony in the first place. Do to a major screw up by a 16-year old clerk at Walgreens I reluctantly ended up with a Walgreens card issued by Synchrony bank. The manager worked feverishly to try to cancel my unwanted card, but to no avail.

What's gong on now? Synchrony canceled my card for inactivity, again with no warning, and my credit score which was 835 went to 798 - a drop of a whopping 37 points based on a company I despise, Synchrony, and the fact they closed the account without warning.

I'm going to do everything I can to put out a negative word on social media, but at this point it's all I can control.

We are still recieving a bill after being told that we have a zero balance. There was a credit of $66.86 and was sent a check # [protected] for the same. Told that now we own nothing and we close our account with Sam's

September - October Period.

We then recive a bill for $$67.43 a couple weeks later. After some discussion they said I goy paid twice. Even the Amounts are different.

They claim that some error was made. Marilyn Bieber Account ending in 7001

[protected]

Hello,

To who it may concern,

My loowes credit card was closed and I work at Lowes. Why? My payments were ALWAYS ON TIME. I have NEVER MISSED A PAYMENT EVER. You even raised my amount to 3,000 so I must of been doing something right. Everyone on here we should do class action law suit against them for tarnishing our credit. I will never again buy anything at Lowes and I work there

I received a letter in the mail notifying me that account had been closed due to high risk of failure to pay. I was 4 days late one time ever and they just closed my account. I was told that they ran some sort of check that determine this. I do not care that I don't have a Lowe's card, my concern is my credit that I work hard for. First, not understanding what they ran again, was this my credit? second, I have never heard of a credit card company closing an account for being 4 days late with zero balance.