Synchrony Bank

I have emailed and emailed and have gotten no response back! I have questions about my new account and now i regret ever opening an account here to began with... Also after trying to submit this complaint i got a pop up saying " you're request is to short it will likely be unresolved. Are you kidding? Worst bank ever.

Over the past couple of years Synchrony Bank has reduced the credit limit on 3 of my cards, which I didn't know I was dealing with them at all. I was so glad that I could get credit with Rooms to Go with a credit line of over $5000. I purchased the items on credit based on my ability to make my payments on time and many times I paid the account above the minimum required payments. As a result of the reduced credit limit my credit scores were negatively affected. I was in shock because I had no late payments, no over the limit charges; but Synchrony just cut my limit down by $3000, making my credit use at 100% of my total limit currently charged with rooms to go.

As soon as I found that they had decrease my credit line I paid my account with rooms to go to zero balance.

Then my wife and I accepted a credit card with JC Penny without thinking that we were dealing with Synchrony Bank. The same thing happened; we charged some jewelry that was on discount, but after a few months of making more than minimum payment the same thing occurred, Synchrony bank decided to decrease our limit line of credit resulting in another negative impact on our credit score that we were trying so hard to improve. Needless to say, we are closing this account at the end of this month by paying off what we owe.

We have also accepted the At Home credit card with an attractive line of credit, but to our surprise, they come under Synchrony bank causing the same issue to occur. Our attractive line of credit with At Home was decrease by the Synchrony Bank to merely $850.00, which is the amount that we currently charged on them. This of course, now also shows that I am using 100% of my limit, also affecting my credit score. I have learned my lesson; we have to check that any store offering credit are not associated with Synchrony Bank. After making progress with our credit scores, we found that overnight, our scores went down from 690 to 580 in only four months.

While my other credit cards are increasing our credit limit for not missing any payment, Synchrony bank is penalizing us for paying on time, but faulting that we had problems in the past without giving us any chance to continue showing our credit worthiness.

As already mentioned, we would never accept another credit card attached under the Synchrony Bank ever again.

Desired outcome: We wish we can do something about the unfair practices employed by Synchrony Bank negatively impacting the credit score of unsuspecting consumers. There should be a legal remedy against them, but for now I hope other people who experienced this type of problem just stop doing business with this bank. We hope that they get the message.

Synchrony gave me a credit card increase and then a week later decreases my credit and then a month later decides to close account for no reason.

I pay on time and early, have 0 balance on 3 of my 5 cards with them and supposedly I’m a risk?! They’ve trashed my credit closing my accounts! Letters just say they closed the account because I was a risk, but i also heard some company was buying them out. and let me mention the horrible customer service.

Work so hard to get credit score up and for this lousy company to take that away.

Synchrony closes accounts for NO REASON. I pay on time and early, have 0 balance on 3 of my 5 cards with them and supposedly I’m a risk?! They’ve trashed my credit closing my accounts! I just got a letter a MONTH, it’s dated 4/7..stating they’re closing my account because I don’t have real estate and I’m high risk. This is absurd. AVOID these people!

I am very disappointed the reason why my credit card account was closed and I request that the same should be reopen immediately.

On April 4th I made the payment of my balance on my Venmo application in the amount of $2,264.86, the next day April 5th checking my bank account I realized that this amount was not withdrawn from my account, thinking that this payment did not go through correctly the day before I made a second payment in the same amount and I called the same day to the customer service line and I spoke with a lady just to verified if the payment was received and processed correctly and she informed me that both payments were received and submitted to my bank to be processed I asked her if she can stop one of them and she reply that the only way to do it was if [ called my bank and put an stop payment on that amount which I did and Bank of America told me that if putting a stop payment will stop both payments of $2,264.86 and if I needed to make another payment I should do a payment in a different amount. Shortly after the same day I did a third payment in the amount of $2,200.00 that eventually days after was withdrawn from my account, this incident for some reason cancelled my credit card.

Synchrony Bank closed all my accounts without any noticed. I always paid on time and they reported me to credit bureaus lowering my credit scores. This is a Horrible bank very disrespectful to loyal customers. I hope there's an Attorney out there that can start a class act Law suit and help us gain our credit score back and restore the damage that Synchrony bank did without any noticed.

This is Rebecca Hyman located in Wilmington, NC. I have a TJX account, #[protected] and I have been charged a late fee of $38.00 and an interest fee of $11.29 for a total of $49.29.

My payment, due on the 15th, was not paid by 5/15/22 due to my having to be out of town unexpectedly for several days prior to the 15th. I did pay it first thing on the 16th after returning home. Therefore, I ask that you waive these charges. I have been a long time customer of TJX and would appreciate your understanding in this matter. Thank you.

Over the past couple of months, Syncrony has reduced the limit on 3 of my cards with them, negatively affecting my credit score. No late payments, no over the limit charges; they simply cut my limit down to what was currently charged on them. This shows that I am using 100% of my limit, also affecting my credit score.

While my other credit cards are increasing my limit due to never missing a payment, this bank is penalizing me for the same reason?

They cite my credit score reduction due to purchasing a new car and fifth wheel (which is my home) recently.

I would never accept another credit card with them.

Some one opened a card account in my wife's name on our paypal account. Pay[al made a couple auto charges to it. I've made over 30 calls to the bank. I have yet to get customer service on the phone. The worse service I've ever seen. They have been charging late fees to it for over 8 months and they are about $1400. Pay Pal made a few charges to it even thro they had our bank number. So I call and left message I would pay the card off for the Pay Pal charges if they took the late fees off as it's not my wife who opened the account, have no ideal who did it. They have my email. address, received about 60 emails from them, all say don't reply to this email as it's not read. No one seems to want to talk to their customers.

Walmart said they got rid of them because of bad service to their customers. If they piut this on my wifes credit report, it will really cost them. This is a Pay Pal business account they opened the card up in. Could have been anyone working here. The bank need to write me with a good number to talk to them. [protected]@Gmx.US send to Allan Carter

I had credit cards with synchrony bank. I made a mistake of typing in 1) wrong account number (which I corrected and submitted payment to the right account number) and 2) typed in wrong amount mistakenly. They closed any accounts I had with them. I had exceptional credit with them according to the credit report except for 2 typos. I was told they have an algorithm which closed accounts due to bad payments. I called and was told to reapply as that should not have happened the first time as that was not right. Reapplied and was denied. Called back and they said they would send a letter to the right dept. Third call said they could not do anything. I only wanted to open 1 card and said payment history was bad. Again exceptional for all payments to the bank. This has wrecked my credit rating. This credit card company is not afraid to issue credit and then cause issues with your credit rating. I am quite discussed with this company. They should not be allowed to issue credit cards. What can be done?

I have kept this account only to be able to use it I need to purchase anything from amazon.

I have made my payments each month on time, and unfortunately, I noticed in my bank I had been charged for the amazon membership for the last year and half for 14.00 for the amazon prime membership to my checking account and also Synchrony Bank, since I had assigned this cc to be the payment source of the amazon membership so I can keep it active.

My bank stopped payment on the amount of 14.00 and did not allowed any auto or payments to be processed for this amount. I use the app to pay the bill in Synchrony Bank, and I noticed the payment did not go through for 14.00, so I called them and told them my situation, I gave them a new checking account and paid the pending balance NOT LATE, on time, and I also sent 28.00 to over pay them until I could resolve the over charges of the amazon membership.

Today I got an alert from Experian stating the Synchrony Bank Card had been cancelled. When I called them they did not care about my situation and stated the account is closed due to payments having been stopped by the bank. My concern is that I was never late, I called, I paid and updated the account, I over paid it as well, and now they are going to affect my credit score? How is that even legal? I asked for a Supervisor and there was not resolution speaking with her, her name was Janet. It is very sad to see this company treats you as if you were a number, instead of a customer, and yes there are situations where I can understand reasons that you would need to close an account. I even asked the supervisor to review the notes or the recorded called from me updating and trying to make my payment prior to the due date so she can see this was the only reason why this happened.

Ive had lowes credit accounts for almost 40 years. I paid off my latest card last year and closed it as I do all cards for security reasons.

I reapplied for a new on this year and got declined just about before I could finish typing.

What is the problem, is synchrony in some kind of financial trouble?

I know lowes has been in financial trouble for years!

Why would you decline a perfectly good customer and treat them like a deadbeat. I have had accounts along with my wife for years as I repeat.

Oh well, here is where the offensivness stops! As soon as I pay off one other card with you guys on anpother company I am through forever diing business with you or any of your affiliates!

I will make sure I let 10 others know about this and they let 100 know then 1000 and so on. Thank you for your discrimination. Ha.

W.T.

I made a payment on my Sam's Club card which had a balance of $103.27. My payment was $53.27 which would leave me a balance of $50. Synchrony Bank took out two payments. One for $103.27 and the one that I made of $53.27. When I called them to complain, he said that we cannot give you your money back because they don't have it set up there where they could just put my money back into my account. I said that you took it out so why can't you give it back to me the same way? He said call back on the 23rd of April and they will send a check to me overnight but I have to call on that day for it to be issued. I called them on Monday, April 18th and they took the money on the 16th. I tried talking to a manager but it got even more complicated. The associate that I was talking to pretended to be the manager but I recognized his voice right away and told him that I would be filing a complaint.

Please be careful when getting a card from Synchrony Bank. I will be more careful the next time and I will never get another card from Synchrony Bank and I told all my family and friends.

I opened up my accts between 2019 and 2020 and u closed all my accts at one time june 2021: old navy mickey shorrs value city furniture lowes care credit car credit truck car credit lenscrafters and all that i received was letters stating i was a credit risk without further info i had just paid off my accts early totalling 15000 never late not once.. that mean i was a very good borrower.. ive tried several times to get preapproved and i keep getting letters back stating my accts were recently closed.. i would love to have a better explanation of what happened and when am i allowed to apply to be approved

Accounts closed for no reason. This will negatively impact my credit score. No missed payments, Lowes card had zero balance.

Your bank states that I have had in the last 7 years an account where I owe you 325 from an amazon credit card. I haven't had an Amazon credit card in 8-10 years. Please remove it as I did not have any credit cards with Amazon that were unpaid. The credit card I had was from a different company and that was paid in full. Please give me the credit card information, including the original date opened, the original credit limit, the highest balance, and the date you closed the account for non-payment.

Sincerely,

Brigid Conway

Hudson, WI

My credit card with a limit of $450 was closed after I paid it off…

Well, this seems a bit odd since I just paid this card off. I feel like after 2 years of Covid to have a low credit score is not terribly unheard of. Too bad that as things are looking up and credit cards are getting paid off, a company would choose to close a teeny baby credit card of a few hundred dollars. Nice way to run a company. Fortunately for me I just took a job paying 3 times what I make now and I just sold my home making quite a good profit. I will remember never to do business with you again and I will certainly tell everyone I know of the the bad business practices you have especially after I had a good record with you and just paid off my card.

Sincerely,

Mary Shadrix

On march 22 2022, synchrony bank added $2100.54 interest because they said I haven't paid my balance in full. Because they said it was a promotion and if I don't pay it off in time, before the promotion ends, I have to start all over again. After we had the plumbing problem fixed, I got laid off from my job because of COVID-19, and they never sent me a letter warning me about the end of any promotion. I had got the balance down to $3100.00, and now the balance is back up to $5200.00 I guess the don't have to pay for utilities or food. They must get everything for nothing. I was pay every month on time. But I guess that didn't satisfy them.

The customer service is the worst. They keep you on hold longer then the call and then hang up on you without completing the reason why you called. I guess it’s so you don’t get a chance to complete the survey because they know customer service and supervisors will get a bad rating. I was so ready because I never been treated like that before rude, unknowledgeable, poor communication, No phone etiquette and they don’t have, this is what I was told can’t see the last person name I was talking to (yes no trail) What good business does that just in case. The interest rate are ridiculous if you don’t pay off within 12 months. I got $303 dollars added to the amount I owe. I can’t wait to get rid of this

credit card. I do not recommend anyone to get this credit card from Synchrony Bank it’s the worst, down to the customer service and supervisors. Trust me!

The crooks at Synchrony Bank just closed my B&H Photo Video store card without ANY notice. It had $0 balance and it was always paid well ahead of the due date. No letter, no e-mail, no phone call. They just closed it. I found out about it through my credit monitoring co. I have a Verizon Visa in the mail from Synchrony. Too bad I did not know that card was issued by Synchrony, because I would have never applied for it. I will cancel it as soon as it arrives in the mail. F Synchrony! My credit score is 817 and I don't really need their crappy card. I hope they go under soon. This behavior is unacceptable! I have already filed multiple complaints about this with several government regulatory bodies. This "bank" needs to be shut down. They only want to generate interest and late fees. This is not a legitimate bank.