Synchrony Bank
reviews and complaints

I have a yamaha motorcycle loan funded by sychrony bank. Buyer beware of yamaha financial. I made my payment earlier than the due date. They applied it to the principal instead of the payment it was meant for, they call me and tell me my payment is past due, they charge me a late fee and then tell me there is nothing they can do. It is my fault for paying to early. Meanwhile it was made the same month it was due. They would not reverse the late fee unless I made a 2nd payment for august. So horrible.

On Aug. 28, 2020 I paid $178.00 to my Lowes account by accident. I discovered the mistake recently, and contacted Synchrony via Customer Service chat and spoke with Bella (Chat id [protected]) to see about refund. 1. I was told it would take 10-15 working days to get the refund. 2. I was denied the right to speak to a supervisor. 3. I was told that the funds could not be sent back to my bank, but a check must be cut. 4. I was told credit balances are held 45 days before refund is initiated by Synchrony. Your policies are unconscionable and borderline fraud. You need to change the policy in favor of the customer when there is a clear credit balance situation. You get any money I owe to you in a timely manner. I should received my refund equitably.

I would appreciate a call back to my cell number [protected] within the next 72 hours. If I do not hear back from you, I will seek legal advice because I KNOW that I am not the only one of your millions of customers being treated with such disrespect and fiduciary dishonor.

Respectfully submitted,
A. Springer

Synchrony Bank has closed all 5 of my credit cards with their company without notice. I have been with these companies (Lowes, Paypal, Amazon, Care Credit, and PayPal Mastercard) for years and have never been late and even paid above the minimum and before the billing was due. It is a shame that the companies that moved their accounts to synchrony now will not have good customer service and members with their establishment.

I had 16 accounts with synchrony out of no where all my accounts were closed, never been late and have been a customer for almost 10 years, I understand banks can close accounts but the way they did it I feel is unjust and unethical, being treated like this is wrong, the reason is high risk how is that possible when my income has been the same, they approved my accounts and no issues with my accounts. I requested to be contacted and no one has ever contacted me, so that is a good sign they are guilty

I have had my my account for a year or a little over a year. I have an exceptional payment history and frequently pay off the account balance in full or with in 2 or 3 payments and have never been late. Recently synchrony reduced my credit limit down to almost the amount I owed which impacted my credit score. I attempted to discuss this matter with them over the phone in order to understand their reasoning for doing this to a customer with an exceptional payment history with them. They mentioned my credit report which has all the same accounts and information as when they gave me the card and as a matter of fact I have a higher credit score than when they approved me, rather I did until they reduced my credit limit negatively impacting my credit score. If a customers reward for having an exceptional payment history is for a creditor to punish them by reducing their credit limit and thus negatively impacting their credit score which they have worked hard at improving where is their incentive to continue to pay their bill on time when it seems not to matter or make a difference. I am really disappointed with synchrony an their unfair practices.

I have these four accounts through synchrony bank, and have been paying on time since opening these accounts. I have even recently paid the guitar center card off, only to find that they have reduced my credit limit on every one of my cards, sometimes bringing it down to the remaining balance, effectively leaving me with no available credit on these accounts. I am not delinquent on any of these accounts and often make more than the minimum payment on these accounts. It is now reflecting on my credit and my score has been steadily dropping. I have good credit that has now dropped to the fair category because of my rapidly declining credit limits, which then increases my overall credit usage. I cannot find a contact number to speak to anyone in person over this either.

Synchrony Bank stopped sending account statements a few months before Feb. 2020. By not have a statement, I was unaware of the promotion expiring. I was making payments thinking my account was in good standing. However, I receive a statement in July 2020 for the first time in months. This was when I became aware that my account was not in good standing. I had been making a $50 a payment each month. My balance went from $300 to over $1000. A statement would have alerted me to pay that balance off before the promotion ended. Although they acknowledge not sending statements, they refused to correct the situation. They also reported me to the credit bureau without giving notice or an opportunity to get the account paid. I have two accounts with this company, Hank's and Furniture row. I have received statements on Furniture row but not the Hanks account. I receive an email as well as a paper statement with this account. I think that someone within the bank purposely stopped my statements. I had always paid promotions off before they expired.
Had I received a statement, I would have done so again. My account set up to pay automatically through my bank. I should have been notified that my account was not in good standing. Instead, they allowed interest and late fees to accrue for over five months without any notification. They allowed me to make late fee payment and never called, sent an email, or an e-statement to notify me of what was happening with that account. If you look at my credit history, you will find that I pay my bills on time. This is the first time I have ever had anything against me on my credit. I did not know that the account was not in good standing. They also told me that I could not file a dispute with the bank for not sending statements to me. I think they should wave those fees and interest because they did not send out a statement for months nor did they give me a proper notice that my account was in good standing before they sent my account to the collection and reported to the credit bureau.

I received a letter today say my account has been close due to many revolving account. None of which have every been late. This crazy you got a person that can pay during the pandemic and they close your account. This second time company that try this with me and I won and got my account back. This is poor customer service to it highest. You guys have some many complaints that it un real. You company needs to make this right. Bad customer service.

The harassing collection robo calls are so old school. The calls start one day after due date. They are continuous, non-stop and annoying, until you turn off the answering machine. They don't even wait for their mail to arrive. When you pickup, its a recording. These annoying calls will not make the payments get to them quicker. Only cause a person to file a complaint. Other decent companies are more considerate during the pandemic.

I had credit cards with Sweetwater, Mattress Firm and Amazon. They closed both and left my Amazon card alone and said they had the right to do it at anytime and referred to my credit report which was over 600. They also revoked online access to my credits cards to make further payments using the Synchrony app as well the mobile website. I called customer support and they told me since the accts are closed I could no longer access them online and that I would have to make phone payments from now on. I immediately asked to talk to a supervisor who then told me the person I spoke to before was not completely correct and that I could still access my acct from my web browser on my computer but no longer mobile. I've been responsible with all my accts with them for years and made all my payments on time. Closing those accts caused a negative impact on my credit. I will never be using Synchrony in the future.

I have been a customer of Chevron for over 10 + years. My parents and family for close to 40. I had three payments returned do to the fact that I can not stop overdraft payments due to bank of America not being open. It can not be done online.

I owe less than $700. I am a teacher who if not for my gas card would not have been able to get to work rarely, but it saved me.

Your company sent me an email on April 24th, 2020 reminding me to pay. I thought I had my direct deposit from my district coming and the $1200, but the district had to move the date of payment and I still have not received $1200. I lost two of my teaching tutoring jobs and we are getting through a lockdown and pandemic.

Then I receive your form letter dumping another customer. I was shocked in. your methods and tact. You did this to me with my Home depot and lowes card without notice those times. I had those accounts for more than 10 years too. What is wrong with your company. You lose customers for businesses than help. Shameful.

To top your banking humiliation, I received that cancel the letter of my advantage member card on April 30th, 2020, BUT it was dated April 20th, 2020. That was four days prior to your nice little email to remind me to pay the bill on time.

What is wrong with this, it is called wanting to be paid, not losing customers.

Over the period of the last couple of months, synchrony bank has systematically closed down every single card I have with them. Mind you I have years of excellent credit history, never a late payment, ever. I keep my credit utilization very low - under 8%. My last fico score was 813. I'm fully employed, own my home. This is absolutely insanity. They will give me no explanation only to say they have sent me a letter explaining. It's pure bs. I will never do business or apply for another card that they service. I pray ge retail services - (who they really are, with a name change 5 years ago) gets sued and goes bankrupt. During this scam of covid -19 they close accounts most needed-sam's club, care credit, amazon, for things we need.

I signed up to get the Amazon Prime store card to earn the 5% back in January 2020. I received my first paper bill and paid the amount in full on 1/29/2020. Time went by and I got busy and next thing I know I'm getting notifications that I'm late on my payment for the next billing cycle. Wait a minute. I never received my paper bill like I did last time. I call today to get this worked out and tell them I didn't receive the bill in the mail. They tell me that I signed up for electronic billing. This is a total lie. I never registered my card on their website. I only added them on my online banking center and paid through my bank without choosing e-bills. So, who gave them the authority to change my billing preferences? I was on the phone for one hour with them. First, I did get them to reverse the late fee, but they wouldn't reverse the interest even though it was their fault. They completely denied they had anything to do with it until I inquired about the details I stated above. She just responded rote what she was trained to say, so I told her to tell me what I owed and I was canceling my card. She sent through the payment, then reversed the interest finally, and then asked if there was anything else I needed. I said, "Yes, I want to cancel my card." She asked why. I told her it was because they made an unauthorized change to my account and that she was incredibly difficult to work with. So, the issue was solved, but I will never do business with them ever again. However, I now have to call them back to request a paper statement to make sure they didn't make any fraudulent charges before canceling my card.

All 7 of my accounts were abruptly shut down on 2/6/2020 without any notice. Every account was in good standing, never in default, no late payments, every account on time 100%. Some go back 7 years. I was given multiple credit line increases. Two of my cards were fairly new, ebay mastercard was opened in september of 2019, and ashley furniture was november of 2019. Other than that, the rest were about 5 years and older. I'm not submitting this complaint to reopen the accounts. I will never do business with synchrony ever again. I just shows was [censored] ge capital was and still is, the name change didn't help.
If this has any negative impact on my credit report I will file a lawsuit forthwith. My credit utilization has always been very low, even after synchrony pulled their shenanigans i'm still less than 6%.
I suspect that synchrony being the low life company they are, they're more than likely having financial troubles. I hope they go out of business; for good!

This company has serious problems that they will never admit to. I have a new account open about September 23rd . About 22nd of October I received an email about amount due so paid it through the app. Easy made another payment in November on December 26 I was informed my account was delinquent. So called talked 7 different people. They my account was out cylce and I have extra to make it current. They also stole my rewards. I complained and said it was there fault and it was unfair. I told them the PayPal app told pay was due and so payed. They lied or made up that information and synchrony bank has control. I told them it was. I told that the account will go into default and I will contact Washington state attorney General file a lawsuit. This will the third account from synchrony bank gone in default for unfair and deceptive practices. And possibly a 4th, Amazon account

Good afternoon. I have been a Chevron credit card customer in good standing for over 30 years. Earlier this month my long standing checking account with Bank of America had an incident of fraud, and the bank closed my old account for my financial security and immediately reopened a new account. Unfortunately the check I had written on my old account to Chevron for this month's payment was declined as the account was closed during this period of time for the above unforeseen reasons. I received e-mail notification from Chevron earlier this week and immediately accessed my account on-line and provided my new Bank of America account information and re-payment which was successfully processed. I just now called the customer service phone number to ensure the account was again active and was informed the account was CLOSED due to insufficient funds x2 (attempted from my closed Bank of America account). I attempted to explain what had happened, and verbalized clearly that the new account information was on-line now and was accurate. I was informed very curtly that unfortunately my account would remain closed.
I am asking that this be reviewed. I am finding it hard to believe that this type of customer service is what I received after 3 decades of business with this company.
Thank you,
Karen Scheidegger Benjamin
[protected]
[protected]

I have had these credit cards going on two years now. Synchrony obtained these accounts via a handoff as my Hudson's card was originally in-house and HSN's accounts used to be owned by another company. QVC, however has always been owned by this bank to my knowledge. Like many complaints on this thread, when I did not use my 2k limit credit card for a few months, it was dropped to 250 out of the blue... which dinged my credit. Then, after NEVER MISSING A PAYMENT since I obtained it, my HSN card 1200 limit was cancelled when there was an error in the system with the new autopay I set up following Synchrony's takeover. No call, no email, just a cancel of the card. And we know what a card cancellation will do to the credit regardless if it is by the issuer or the user. I am now seeing similar shenanigans with my QVC card, another one I have never been late on might I add. Fees are also mysteriously appearing to put me over my limit. NOTE: I am purposely not using it so if I see activity I can call it out. I think there needs to be some apologies and some accountability held on the Synchrony side.

I opened a synchrony bank old navy card October 2018..I never missed any monthly payments. I never went over my spending limit. I was so proud to pay my card off, so I can use it for the upcoming holidays. To find out they closed my account, The sneaky, unprofessionalism of this company is out right disrespectful I never felt so belittled over a 300 credit limit, I feel like a peasant. My credit was in the same condition it was in prior to applying, actually its better now. The nerve of this bank to give you a chance, and then turn around and drop you like a bad habit. I Would like my account Re-opened and an apology for pre judging people based on there passed behaviors.

Extremely Disappointed :(

Shantavia Wims

Email:shantavia.[protected]@gmail.com

I always have issues with the payment system. I always have to speak with someone to run the payment. My payment was due on a Saturday and when I tried to make the payment, it wouldn't accept my routing number, it transferred me to a person but they were closed. I called again Sunday and it took my payment no problems. I see there is a $30 late fee but I pay it anyway. I call when they are open to talk to a supervisor about my issues and see if we can set up a different payment option since they have been telling me online payments will be available for more than 3 years. I get a supervisor named Savannah and wow! Instead of a respectful conversation with options or understanding, I got talked down to and got to hear her opinion on how my practice on making payments is not smart. I should not wait till it's due, I should send a check way before it's due (mind you, I have been late twice in 3 & a half years). I call back 3 times because I was told by a Mimi that there was another supervisor available by the name of John and each time I'm transferred back to Savannah. I ask her for a different supervisor or her manager and she informed me she was the only one and sent me to a voicemail. I never asked for my late fee to be removed but I was treated as such. So unprofessional! I called for help and I get belittled! Never again will I use this company for any loans. Paying off my care credit also and cutting it up asap.

Paid off current purchases on credit card only to find out "computer" added the amounts back in and took off deferred payments for next year, then added interest in on an account that was paid off. No one can help. Several agents on the phone said they will forward the complaint. Forward to whom. No phone numbers or names to contact and follow up. Is this a scam to collect interest on already paid off purchases? How does the computer over ride people? When you allocate your payment on the web site it never goes to the correct bill. According to their website the current, non promotional charges come off first, then the next promotional charges until all are paid, but that's not what's happening. Looking for someone to suggest a way to get them to fix it.