Synchrony Bank
reviews and complaints

I used to have a card through Sweetwater Sound. Closed it once done paying for the single purchase, thinking I wouldn't need it again.

Well, I found another good use for it through Sweetwater, but Synchrony would not approve my application for another card due to verifying identity. Okay, whatever, fair enough...
After about a dozen phone calls, I end up verifying my identity in a very intrusive way. Sending in pictures of my face and my driver's license to some AI system capable of doing who-knows-what with it.
After 2 more phone calls, they tell me that my application was denied and won't tell me why. I have a 787 credit score.

Evil is as evil does. Better off not using them I suppose, but it sucks that the AI now has my DL and my facial recognition mapped - for no reason,

on Feb 15th 2021 they closed 5 of my accounts $70k in limits only using 3%. said I was high risk due to info being sent to them by the credit bureaus. welp I called the credit bureaus and they said they never sent any info over and im in great standing on all accounts with a score of 770. I call synchrony again and now im told its because my credit score is low. ummmmm 770 is to low? lies on top of more lies. Looks like they are going under honesty and are closing high limit accounts. never late on payments and never payed interest, closed my accounts because I payed on time and didnt wanna pay a 30% interest rate I guess. Stay far away from this company and the cards they issue. You work so hard on credit just for these animals to try and ruin it. unless my accounts are opened back up I will never do business with this company again. I like to add customer service is trash. if you ask for someone higher up they will put you on hold and hand up after 15mins. They know what's going on, looking at the debt sheets, synchrony isnt doing to well.

I have had multiple accounts with Synchrony. Excellent credit history, zero balance due, no decrease in income, no increase in balances due on other trade lines, etc. Synchrony suddenly reduced my limit on my Synchrony TJX (TJMAXX/Marshalls) card from $8, 000 to $1, 024, with zero explanation. My last name is clearly Jewish. I called the company, the representative refused to remedy or explain, & hung up on me. Synchrony has previously been sued by DOJ for racial discrimination. I read the company's statement on diversity and inclusion on their website with interest, as their conduct does not match my experience. Reached out to two friends with distinctively Jewish last names that are card holders, and both had similar experiences, recently. Can't be a coincidence. So, I will reach out to the DOJ, and a private attorney for advice and direction. Clearly, Synchrony bank is taking a stand against Jewish Americans.

Approximately 3 weeks ago, a person called me claiming to be from Synchrony Fraud division. Stated 2 transaction amounts, one possibly a vending machine and the other Shwanns service. I said Schwanns I get every 2 weeks, had they bothered to look at past purchases, and the other, I would need more information. They asked me numerous questions, last 4numbers of SS number, DOB, mothers maiden name, etc... then said they had to prove they were talking to me. They said they would send a code via text. I told them I did not have a cellphone, they said well we have to call you and get the code. Did I have a flash button on my phone? Yes, BUT, if I do that it disconnects my calls. Repeatedly this idiot representative said I will send it to you and repeatedly I told him we would be disconnected. He insisted, so I did, got the code, and was discounnected.I immediately called back and went through the whole thing again, and said I just got a code, but then the new idiot representative I spoke to said I'll call you and give you a code, use the flash.After repeatedly telling her the whole story of it disconnects, she said do it.I did. Then I went to use my JCP card and find out it too is blocked. I call customer service and again am told they will text me. I asked them if it was mandatory for customers to have a cellphone? Then I contacted JCP, and they did a 3way conversation with Synchrony, and were NOT pleased with Synchrony and them expecting customers to have a cellphone. I asked can't you email me the code, and they replied no. So both my JCP and Sams MC are blocked, both are paid off and in full, both I have had for 30 years and I am blocked! Synchrony said they will mail me the code.Then I have to call them again, go through this crap again, and see if these incompetent [censored] will let me have my cards back.I had Shcwanns set up every 2weeks and automatically charged to my Sams MC. Needless to say, I had to switch cards, put it on my Citicard now, and am thinking of cancelling Sams and JCP.

I had a pending transaction for a purchase that I have come to determine may be an unreliable or fraudulent company who claimed to have an office in Virginia. At the beginning of my call I was informed to stay on the line after my time with a live CC Rep for a feedback review that the rep would not be aware of. I waited online and was promptly disconnected, which leads me to believe that she was indeed aware that she could get feedback and ended the feedback response prompt. I felt the feedback request was misleading. But back to the issue, the rep was courteous, but nothing provided was beneficial. I was told 60 days for a review team to review and a response somewhere in the 60 day period. I was told no contact allowed with the review team and they were not accepting calls. This is all they can and would provide. The team would attempt to reconcile with the merchant, but she had no info on the merchant. I was left feeling like Sychrony's had very little options to help me as a consumer, and that I had very little (if any) options with the credit card company to get closure. I was left in awe that so few options existed.

Confidence level is low.

I applied for an amazon store card in Oct 2019. I have since called 8 times (including today) for feedback. Yes I have waited 3 months and received NO feedback. Shocker! Disgusting!
The customer service is incompetent, the management wont relisten to my call logs - and that alone confirms that they dont know what they are doing! Today I spoke to to Dee, he stated the 3 previous calls I made and attempts to have notifications sent out to me regarding my application was done wring by synchrony staff!

My husband, who usually handles this bill, is unable to because he's in the hospital. On Jan 18, 2021, around 12:30 I called Synchrony's customer service line because I needed to make a late payment on our account and to ask about whether the fact the payment was late would alter the special financing deal we had for a debt.

After dealing with their especially tedious automated system, I was routed to a representative, but the connection was so poor I couldn't understand him, except that basically, I should call back. So I got the pleasure of going through their rigmarole again, only to be connected to a different, completely unhelpful representative.

Because I am not the main account holder, I was unable to get ANY information on the account. I understand this up to a point, but when I'm trying to pay the bill, and I can't even know what the late fee charge is, so I can pay that too, it's getting ridiculous.

Then, when I started the payment, giving all the pertinent information to the representative, I got grilled because the money wasn't being drawn from our usual account, and I ultimately was not allowed to pay for my OWN bill. There was no attempt to be helpful whatsoever. I was completely stonewalled. This customer service was totally unacceptable, and if it was based on Synchrony's official policies, they need to be changed.

Synchrony bank's customer service set up seems like it is generally happy to waste as much of your time as possible before it will allow you to speak to a human, but there is NO excuse for a company policy that treats individuals trying to PAY on their account as if they're doing something nefarious, and no excuse for representatives that are unwilling to try to assist customers.

This bank closed all my credit card accounts for no reason I have Texaco/ Chevron, JcPenny, Sams, JTV. I always pay my balances before they are due. I have no balance on my cards except for Sams which will be paid on or before the due date. I could understand if I was charging and charging on each card building a balance but I have not done that. I don't understand this. This bank has made poor decisions but its ok because I have plenty other cards that do want my business.

Synchrony bank turned off my auto pay they did not inform me that they were shutting off my auto pay or that they did shut off my auto pay my account fell past due they did not call me they did not send a past due notice I found out when I tried to order from Amazon and I was declined I have called the bank and gotten nowhere with them I have late fees that I feel I should not have to pay these late fees due to the fact that they are the ones who turned off the auto pay

Today I was checking my mastercard account and seen that you had closed it. I looked at the other credit cards I had that were Synchrony bank only to find out you had closed all 4. I cannot understand this as they were paid in full each month. It would sure be nice to have someone explain this to me! How is it fair to have a consumer's credit score be docked by accounts being closed that were actually being paid as agreed! I would completely understand if the cards were late or in default but being paid off on regular monthly basis just does not make a bit of sense to me!

I got a card from there for discount tire. They double charged me for the transaction. Then I tried to make a payment on the balance twice and both payments were denied by them. I have never been able to get a human by phone, and their online chat person literally lied to me. They told me I would not be charged a late fee, and then I was. I cancelled card. Do not do business with this bank.

Used their credit card. Did not pay for my purchase on time. The purchase was 20 bucks. Two months later I transfer 25. But did not keep up for fees synchrony bank put a fine of 30. Also every month for 2-3 dollars. And then another 30 bucks are fined. Also due to inconvenient account replenishment. Online emails or answers are not answered. Do not use this bank.

Synchrony bank closed my TJmaxx credit card without warning even though they say they tried to reach me which is completely false, no emails or phone calls. I pay this credit card twice to three times a month depending on the balance. I called to see why my account was closed and was told rudely that was due to lack of payment. My account reflects otherwise and even explained that to the lady which she was rude. I ended up calling back and it was closed because I accidentally selected the wrong account for payment on a $0 minimum payment due because I had already paid twice that month! This is ridiculous and I want something done about it! I have contacted ABC, Fox, BBB, Customer Affairs and will continue to do so until this is resolved. This company as a whole are nasty! I'm closing all cards I have with them immediately.

They set up billing through my bank account. They said payment did not go through. I get proof from my bank that payment was made. They still make me make a payment or they will assess late fees. After all the drama and two week later they prove that I made my payment they do not want to refund my extra payment. The indian woman continued to argue with me. I wish they had people that understood english. I still continue to have the same issue with them every month. I have retained an attorney to litigate for me I am tired of dealing with them. Do not do business with them they are crooked.

For over two weeks I have been unable to download my Amazon Store Card purchases to Quicken.

When I contacted the bank they said they were aware of the problem and the "back office" was looking into it?

I said I wanted to complain to someone in that office and they said no one could communicate directly with them?

This is ridiculous, all other financial institutions download fine,

I had my card stolen, reported to company, ftc, my local PD and state attorney general office.i have everything notarized fraud department has offered me no help. But they closed my account out of revenge.this whole thing has left me homeless, living on the streets, they sent me a letter blaming me they pulled my credit report in Aug and one month later closed my account. All of my rights were violated every single one of them with my state. I have no home and I wanted to know who is responsible for that, that is my right. It is not right to blame the victim.ive tried contacting through emails, letters phone calls and no one was helpful.no one was giving me answers. because I don't have a perfect credit score I can't get anything. But my friend who has 750 score was treated like royalty. That's not right. I want answers to who left me kicked out on the streets with nothing.

Failure to apply credits from paypal. A credit for $48.99 was issued by paypal on aug. 18, 2020 and a credit for $47.99 was issued by paypal on aug. 18, 2020.
They also placed a charge of $2.00 on my account. I called the paypal credit
Toll free number on sept. 20 and spoke with mary. She confirmed the credits were there but had not been applied against my account. Paypal credit, aka synchony bank has many complaints against it. I expect these credits to be applied immediately and no further interest charges be applied. If I had known about the lack of integrity of paypal credit I never would have signed-up. See attachments

Security pop-up request I choose between a text or phone message to verify it's me. I have to choose one of three phone numbers to send it to neither of them are the one I've had for 9 years. After calling the last two days and the rep tells me the number they have on file is correct, they pass me on to tech dept who tells me they get those numbers from the credit bureau and I have to contact all 3 of them to update my info. Not going to happen. I have a good, almost excellent rating. I haven't missed a payment of any kind any where the last 101 months according to Credit Karma. This is an eBay issue through Synchrony. I also see the handle my Walmart and another one. I cancel every account if the require me to go outside of their system to satisfy their issues because they are too lazy to do their own research. I request they find another way for me to verify who I am.

Synchrony Bank has closed all my accounts with the same notice saying I could be a risk! I've never made a late payment or a minimum payment, this wreaks of COVID and my age! I was not informed in a timely fashion and was embarrassed when I tried to use my Lowe's card! I am amazed we have no recourse but also amazed that they seem to be doing this not just to me but many more people!