Synchrony Bank
reviews and complaints

My payment was deducted from my bank acount twice in December. I was supposed to receive a refund. When it had not arrived 30 days later, I called yo check the status of my refund. I was told it must be lost in the mail. A check was reissued. When i deposited that check, Synchrony had stopped payment on it. 3 phone calls and 3 hours later, supposedly another check is on the way. On my 4th call, I was told by a VERY curt supervisor that I had asked Synchrony to stop payment on the check? For all of my hassle, stop payment fee from my bank, and the fact that they double deducted and held on to my money for 3 months, I received a 10.00 credit. Insulting. Will be closing this laughable account as soon as I receive my refund in excess of $2000. Naturally I will wait until it clears the bank. Unbelievable.

I have other credit cards, but synchrony bank is the card that I've had that will decrease your balance for no reason, or warning. It hurts your score! I have my cards on autodraft. I've even paid the Reeds Jewelers card off completely. I called to address it. But all they say is they will send me a letter. I'm going to pay them off and if I go to a store and decide to open a line of credit, if the say Synchrony Bank, I will run. I don't think it fair as a consumer, I could understand if I was late and never paid on time. And If I had bad credit. I would like to give them no stars!

I recently received a credit card. The customer service through the credit card company has been beyond horrendous. Impossible to speak with a live agent even after following all the requested prompts and procedures. For various reasons some customers cannot use only digital or electronic services-such as email. I clearly explained this when I applied for the card that I would need a mailed paper statement. I was told that would not be a problem. However, I am still waiting to speak with a live agent to resolve this issue. I am still being serviced via email. If you do not want to assist customers, then you really should not be in a business that requires customer service and possibly live customer service when applicable. Today 2/27/23 @13:23 is my third attempt at getting this resolved. After holding 26 minutes and 41 seconds the phone line on your end disconnected the call again!

2/26/2023 I received an email about my credit limit being decreased from around 600 to now 550 due to a decreased credit score, open accounts, and high balances. I have missed 1 payment on this card in almost 3 years. When opened this account, my credit limit was 1300. This recent decrease now shows my credit card utilization of this card to almost 100%. This will drastically affect my credit, obviously with this company as well as my credit score. I am very upset that this company continues to affect my credit history despite 96% of payments being made on time. My husband has endured 2 intense surgeries and time off work which as affect our ability to pay down balances. We continue to make on time payments with all of our accounts. I am furious that your company keeps lowering my limit due to credit report, then directly lowers my credit score. I called to speak with a representative, Anna, about this issue and asked if I would like to apply for a credit increase. She also stated that "JC Penny appreciates my business." From my experience, I do not feel that way at all. This company is seriously affecting my credit and my future credit at this time.

BEWARE OF SYNCHRONY BANK

On January 20, I invested $100,000 at 4.6% interest with Synchrony. This transaction was verified with my bank. The agent told me the transaction was complete. Weeks later I received a letter dated Feb. 3 that indicated I had to complete the process. On Feb. 14, I spoke with Renita. She told me that Synchrony was in error since the transaction had been verified. She asked if I still wanted the investment. I told her yes, if it would be backdated to 1/20. I told her I would also increase the amount to $200,000. She said she would call me personally within three days to confirm. She did not. Instead, I received an email stating that the money had been withdrawn from my bank and invested in Synchrony. On 2/21 I spent about 70 minutes either speaking with an agent that could or would do nothing, and then on hold for a so-called supervisor. Finally, an agent told me that Renita had to return my call in 3 days. I told her it had been 7 days, She used all kinds of excuses explaining how 7 days does not equal three business days. She said Renita was still waiting for an answer before calling me. Of course, I never heard from her or anyone else from Synchrony again. Then she tells me that the investment was denied.

What kind of a company makes a mistake on an investment, and instead of correcting their errors and apologizing, they just cancel the entire transaction?

I have never received an email or letter indicating my $200,000 had been transferred or cancelled from my bank.

Synchrony has not allowed me to speak with a senior official, despite my repeated requests.

Tony Raymond

[protected]@hotmail.com

[protected]

Promotional charges NOT removed despite repeatedly telling them the amount I pay above the listed payment was to pay of promotional charges. Not removed and they continue to add interest. This is predatory lending. They have no button on the payment page that lets you show what goes for promotional charges you have to call them on the phone and wait. No real email to send a detailed message. So frustrated I am ready to call a lawyer and sue them.

I paid my Amazon credit card in full 17Feb23 and as of 22Feb23 my payment had NOT posted therefore causing issues with orders due to the card not having the payment posted. I canceled my card because this has been an issue since I’ve had the card and now the rewards I’ve earned as a faithful customer has been taken away from me and I can’t use them. I feel cheated and defeated. They don’t take care of their people

I have been an Amazon Card customer since it was first offered.

I –

- Bought an iPad on Nov 3

- Returned it on 1/13 (received by Amazon on 1/18)

- Found out refund would be after the accounting period so called Synchrony so I wouldn’t accrue interest, have a past due payment, or a late fee

- Was told that I should dispute the amount so the above would not occur.

- Now told it can be up to 90 days for refund

- Customer Service says that Amazon says they don’t have the product.

- Contacted UPS and provided Synchrony customer service with proof of delivery

- Contacted Amazon and provided the transaction number where funds were returned to Synchrony on 1/30

As of 2/21 I have talked or chatted with at least a dozen different people. They acknowledge that I did their job by getting the evidence. They acknowledge that it was wrong to advise me to dispute the charge. They then just quote policy as to why no one will directly contact Amazon, since clearly the process has broken in the case, no will anyone take responsibility to follow up with me. I receive automated phone calls that don’t say anything.

I am furious. I am absolutely dumbfounded that no one will accept responsibility or follow up.

Also, I replaced the iPad at a competitor and have purchased at least $1500 in other items from competitors since this hasn’t been addressed. I have told their customer service this, and they do not care that business is being lost.

So, I found out on Friday that my account with Care Credit had been closed with no notification from Synchrony Bank via email, text, call or mail. I didn't understand why and called them on today. Synchrony Bank closed my account in June 2022 that I had with them for over three years, with no late payments ever, no payments due ever, and nothing owed to them at this time based on a credit report that was received by them from Transunion. I asked the representative why did Synchrony Bank pull a credit report on me after having been with them for over three years, the representative stated to me that Synchrony Bank automatically receives these reports every month from the credit bureaus and based on what Transunion stated they denied me credit and closed an account that had been open and in good standing with them for over three years,. Did you Synchrony Bank forget that everyone is suffering from the fallout of Covid 19 and still recovering and I am still trying to find out how they received a credit report when my account has a fraud alert on it from the breech of a certain credit reporting agency and had a freeze on it? Neither Synchrony Bank nor Transunion had permission to access my account without calling me (Transunion and asking my permission if my credit report could be accessed by any company, so one of these companies also broke the law, that is criminal. I also stated to the representative why I didn't receive notice of this decision via mail, phone, email or text from Synchrony Bank, the young lady stated one was sent out, I stated to her no, I never received any type of notification from Synchrony Bank stating my account had been closed, the representative stated to me that she would email me one today, I stated to her, no, I didn't want it, it was to late for that now, I already new. I want to say to you Synchrony Bank, what you did was criminal, dirty, underhanded and sneaky, if this is the way you treat loyal customers after over three years I want to warn and let anyone and everyone know that based on your character and treatment towards me you are not worthy to be in business, your account is closed.

I have so much trouble accessing your online banking. I either get access denied or it just states "loading" but never loads.

I looked on the internet and many people have the same issues. I have 6 online bank accounts and have no problem whatsoever.

When I and others call your support we get stupid things like try incognito mode. Take off your ad blocker. Don't use Duck Duck Go browser. Take down your security wall. Really?

You are losing business. Why won't you ask someone who knows how to have an online site help you with this.

We had two unauthorized charges on our Sam's club Synchrony bank Master Card. I called Synchrony and the card was cancelled. The agent cancelled the card and ordered two new cards. She went on to tell me that they would be sent regular mail. I explained to her that we use these cards extensively and requested overnight service to my office in Clearwater Fl. She acted like she was complying with the request, but it has been 5 days and the cards are still not here. That tells me that the cards were not overnighted. This is a problem for us, as my wife is hosting a Baby Shower in Denver and had intended on buying a lot of the food at Sam's club. Sam's club should take a more active role in the management of their card purveyor. If we didn't utilize these cards it would not be a problem, but that is not the case.

So I have a credit account from Amazon that’s managed by synchrony. I have several promotional purchases that are on 6 or 12 month same as cash. My issue is that I have no mechanism in the website to target the extra amount I provide to some of those promotional items so I can pay them off early and still make the required monthly payment. On top of that. Synchrony has no email listed for providing comments or suggestions. I don’t want to make a phone call, I should have other options

I have had this card for almost a year. I have never had a late payment. It has always been set to auto pay. I logged in today and get a message that says my account has been closed and that I was flagged and considered a high risk for missed payments IN THE FUTURE. My credit score is better now than it was when the card was issued. I am just blown away that this is legal. My credit score will drop now at absolutely no fault of my own. I do not have a single thing on my credit reports that would even warrant me being a risk of not paying. I would not recommend this company to anyone.

We paid off our statement 4 [censored]ing days ago. Yet today, amazon declines our charges - so not showing we paid it off.
You [censored]ing [censored]s had 4 days to process our payment and let amazon know.
Electrons flow 186,000 miles per second, but you idiots and your stupid it take 4 days?
[censored]s,
Call me for more abuse:
Ron J Korody [protected] cell phone
Really, how dumb can you get and still call yourself a bank? Ugh

I attempted three times in a row this morning to reach Synchrony Bank Customer Service. Their voice response system failed to recognize my social security number EVERY time I either spoke it or entered it manually. When I WAS able to talk to an agent after repeating "customer service" over and over again, it was in a foreign location and the agent was unable to understand what an IRA even was.
The reason for my call was to investigate why, after submitting the required paperwork twice over a three month period, the funds had not been transferred — to Vanguard. I feel helpless in getting control of my funds, which total in excess of$100k.

My wife had a CD due on Nov 1 2022. I called Synchrony on Oct. 28 to say we did not want to renew the CD. I was on line for about 20 minutes trying to authenticate my wife's ID and we did fine until it came to the video of her making a statement. We are senior citizens and not great with the phone and couldn't finish that part of the authentication. I was advised to send a letter in with the necessary proofs of ID. I sent both my wife's passport/drivers license and SS number along with information requested and once again the bank information as to where we wanted the expiring CD to to along with the bank transfer info that was used to transfer my 2 CD from Synchrony upon their expiration. . I did not hear from them for two weeks and then called them. They apparently had renewed the CD for another 15 months and I again made it clear that I had not wanted to roll over the CD for another 15 months and that I wanted to have the money transferred to my Bank of America Acct. They may have told me they had already rolled over the acct. They did not tell me there would be a $4888 penalty for doing so. I told them again I did not want to roll over the acct and to transfer the money to my B of A acct. When I got the final paperwork I noticed that they penalized my for $4888. It was clear from the outset I did nt want to roll over the acct but Synchrony did it anyway then when I called they apparently had done so anyway. If they had made clear the penalty would be a years interest then I certainly would have not told them to close the acct and keep that $4888. That defies logic and defies that all along I was trying to NOT roll over the acct.

The explanation that this was POLICY also defies logic as my intentions were made clear from the first recorded call.

On 11/22/23 I ordered 3 1/3 carat diamond stud earrings. I am an employee of Belk in the fine jewelry department and the reason I ordered these earrings was because they were not in our stock. I received 2 different confirmation emails that one pair was shipped on 11/23 and the 2 others were on a separate confirmation letter. Usually this is because the fulfillment was done by two different locations. I did receive 1 pair of earrings which I returned to Belk and was refunded. I then filed a claim dispute on 11/29/22 with Belk customer service. On 1-7-23 I was notified the 2 remaining earrings were stuck in transit and I would have to file a claim with FEDEX. I did so and my claim was denied because Belk has to file the claim. I spoke to Synchrony customer service several times and today I was told my claim was denied because they confirmed that the order was sent by Belk regardless that I never received the earrings. The FedEx tracking order [protected] indicates that the order is still in Memphis and has not gone out for delivery. I refuse to pay for something I did not receive. I do not have a written policy from Synchrony that I am liable for product I did not receive.

I am a Bank of America customer and I mistakenly forwarded an online payment of $ 500.00 on June 23, 2022, from my checking account to a closed credit card account I had with Bargain Outlet/ Mr 2nds, which is provided through Synchrony Bank. I contacted my Bank after I discovered this mistake. I spoke with a rep at BoA in July who then said they would contact Synchrony and seek to get my money back. To no avail. I again contacted Bank of America in August to express a concern for not contacting me on any resolution. BoA claims no one is responding to them from Synchrony bank. I went through the process again to contact Synchrony bank to have someone in the processing center where my payment was sent to look into the matter and provide me a refund. After much ado I was able to get a person to answer the phone at Synchrony but no one seems to understand how to help. The account was closed a while ago. This has made it difficult for a customer service rep to investigate further as I am guessing they don't have access beyond a certain date. I have attempted several times to reach a more technical person at Synchrony bank to help and to no avail - I have no idea what to do next I keep calling my bank and they don't seem to understand how to help - I realize the credit card account I had used was old and closed but there is still a transaction trail documenting that money was sent to a Synchrony Bank PO box 960061 payment account in Orlando Florida, which I used back when the account was open. I cannot get anyone to research this matter back to the date the money was received by Synchrony - It's been impossible to communicate with Synchrony. If I were to talk to an auditor, I am positive they would be able to trace the transaction - Please help? Elizabeth Vavonese | [protected]@twcny. rr.com - I tried to insert the copies of my banking transactions but I could not figure out how to do so - I have docs to share but I'm not sure how to get them to you - please help?

Synchrony bank started balance chasing all of my credit cards. They began once I paid off my furniture row account in January of 2022. I have 100% on time payment’s and have worked hard to increase my credit score. I was at a score of 700 and then synchrony hit. They have balance chased me for over a year and closed credit accounts once they were paid off. I don’t understand how one company can destroy 4 years of hard work in 1 year. I am currently at a score of 559 with no delinquency all from synchrony balance chasing me. This has traumatized me and put so far back and into a huge depression.

I have multiple credit card accounts with this bank. I just closed another account that makes 2 now, because this bank randomly lowers your credit limit and maxes out your card therefore lowers your credit score. I made all my payments on time over the minimum payment. this is the worst bank ever and would never recommend them to anyone. i had a credit limit of 800.00 and i charged 400.00 made a payment of 200.00. at this time this bank pulled my credit with out me knowing and dropped my credit limit down to 250.00 therefore it made it look like my credit card was almost maxed out. Thanks a lot for the set back. NEVER USE THIS BANK!