Synchrony Bank
Reviews and Complaints

I purchased new flooring and was approved for a Mohawk credit card. At the time of purchase I was unaware of any promotions. I called Mohawk customer service on 5/11/23 and spoke with Jonathan, who told me the promo had ended and $1900.00 interest was charged to my account. The same thing happened on my Care Credit account. I was unaware of any promotions at the time of purchase. I asked to speak a supervisor to dispute the charges and the phone call was disconnected. I called back and the female representative placed me on hold for several minutes and the call disconnected. I wrote a letter in regards to this issue some time in June 2023. I never received a response. I continued to pay both accounts. I have 4 active accounts with Synchrony Bank, which are all paid on time. I called again on 11/9/23 and spoke with Jade. She states a letter was sent to me but she could not verify my address of where the letter went to and the Mohawk account has been closed. I again asked for a Supervisor and was disconnected. My next option is to file a complaint with the Better Business Bureau or take legal actions. Please reply as this is an urgent matter.

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.

I am an elderly single woman. I had 3 credit cards with Synchrony as the bank behind them. Care Credit so I could take my elderly dog and 2 cats to the vet. I had a Credit Card from a local auto repair shop to help if my 2007 Nissan Versa broke down. Both cards were only used once and fully paid off with no missed payments. I was not contacted in advance via phone, email or text. Yesterday, my Lowe’s card was cancelled which has a balance, but never a missed payment and I always paid more than the minimum. Here I am nearly 70, my car broke down and I can’t afford to have it fixed so no transportation. My old dog was sick and suffering and not only could I not take him to the vets because I have no car, but also because Synchrony cancelled the Care Credit card with the zero balance. He died last month. Now, if something happens to my appliances, or my roof or flooring, I will it be unable to replace them with Lowe’s. Synchrony has put me in a horrible position with no way out. Now, thanks to Synchrony and their heinous way they treat their customers, I am constantly anxious. Not one phone call to warn me. I could understand if I missed payments but I have not. Don’t get old, no one will help you. What a screwed up world we have now.

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.

Don't use Synchrony Bank for anything. They engage in deceptive business practices. They are untrustworthy, no ethics, no scruples, etc. etc. Also be very suspicious of any entity offering a Synchrony credit card to you. Because they are culpable also by promoting this fraudulent company. My wife obtained a Care Credit Synchrony Credit Card thru Discover Vision to pay for her eye surgery. Unbeknown to her was the fact that she was being charged a CREDIT CARD SECURITY FEEon a monthly basis. Which was conveniently hidden by Discover Vision when she initially obtained the card after signing form(s) in their office. Supposedly my wife secured a loan of 24 months INTEREST FEE. Which in reality sounded too good to be true. And that was the case in because we have encountered a nightmare with these charlatans. Because my wife was also being charged on a monthly basis her credit card security fee. Which was not part of her monthly payment for her actual eye surgery. So instead, some way and somehow, she was supposed to pay for this so called 'credit card fee' on a monthly basis or be charged to the tune of something a 27% to 30% monthly interest rate for it not being paid. Long story short. My wife did pay off her eye surgery bill. But now owes around $2700 (interest included) for her UNPAID monthly security fee for over 24 months. Which she never knew anything about thanks to not being told by Discover Vision when this transaction took place. As of now it looks like we are stuck with this bill because of their deception. The companies promoting these fraudsters are just as much to blame as anyone else. Boycott Synchrony Bank and any other institution using these hucksters. They push the envelope and reside in a gray area. Where it will be hard to get satisfaction from them even legally. Plus, there also is their so-called customer service. They are totally incompetent boobs who will not answer even the simplest of questions. Either due to incompetence or they were trained that way like monkeys. My wife talked to a supposed manager who was completely clueless. They have the absolute worst customer service that my wife and I have ever encountered. They basically will try to promote something else to you instead of HELPING YOU with a problem. Anybody who works for this company should be ashamed of themselves. They are the absolute worst. Plus, we will never do business again with Discover Vision. And other companies like Sam's Club, Lowe's, etc. etc. who use these shysters. They are all in it together.

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push notification with Credit Karma.

I am more so concerned about the Levin account. I called into customer service and the first representative I spoke with was extremely rude. He told me a letter was sent to me and he read the text of that letter. He eventually hung up on me. The reasons for my closure is completely bogus. I understand I agreed to their terms and conditions upon opening the account, but that doesn't mean I can't dispute their decision. I called back in and spoke with a friendly rep who transferred me to a supervisor. The supervisor told me it is impossible to reinstate my account, although reading some of the other complaints on BBB it seems they did reinstate other accounts for people. She gave me the corporate address to which I mailed a letter. I also filed a

complaint through the chat system on their website. They sent me an email a few days letter with another letter that basically said the same thing as the first one. It was a do not reply email address so I couldn't send a response back.

I have made every single payment on time for all 3 accounts that were closed, I had these accounts for years! It's no wonder why these guys have a 1.9 BBB rating. Closing your customers' accounts for bogus reasons is terrible customer service. I will consider my complaint resolved when all 3 of

my closed accounts are re-opened. Until then, I will continue mailing letters and filing complaints with customer service.

This is the WORST bank to deal with in regard to their credit card.

The day after we opened it we had fraud on the account, and I had to call them.

I had to escalate the issue 4 times to get a manager and get it resolved.

The week after we used the card and had to go thru several calls to validate the CVC code.

NOW, they froze the account yet again for some unknown reason and sent me a link to take a face video and pictures of my state issued ID card. Their software is obviously flawed because the videos I took were clear and clean however it wouldn't recognize them, and I received a message stating that I would be receiving a letter in 7-10 days. I called and spoke with a manager named Lynn who was no help at all, and I told her to close my account because their customer service absolutely sucks, and I am not going thru this every week just to use their card. It's not worth the trouble at all. If you are thinking about opening a credit card account, I would advise you to think again.

I am a current account holder with rooms to go… My initial credit limit was $1000. Then suddenly without warning without ever even charging anything on the account and all my other accounts, being in good standing, i was notified that my limit was lowered to 250 so I decided to do a credit prequalification to see what would happen and I was prequalified for $4000. Synchrony rooms to go whoever does the underwriting needs to revamp. Also, I was prequalified for an Ashley home store credit card for $1000 after my rooms to go credit limit had been lowered. The underwriting needs to be addressed for rooms to go.

Got care credit for the vet. Established the account, and made the payments. Got the bill down by around 200, then suddenly i cant access the account online.

Called customer service ' oh the account was closed'. Mind you I had been paying on that account as of sep 22 - april 23. I never got a bill, just knew when the bill was due and paid online. Never received any notification(still nothing to this day), however on my credit report it says 'closed for non payment.

On the site, they are still treating it as an active account, with late fees, and card fees, interest etc - despite the account being closed. That does not sound like a closed account. Letters are being sent clearly after the due date - letters travel faster than anything. Will continue to contest it.

I applied for an account today, requesting a high limit. My credit score is >800 and I have a very high income. I was offered a much smaller credit limit. As I have worked in the Finance industry for many years, I am well aware that I could have received a higher limit.

I spoke to 3 people at Synchronicity Bank who kept on transferring me until I was transferred back to a person I already spoke with. The customer service is very poor. I read that they can have the effect of lowering your credit score - this is why I am not cancelling the card immediately as I am concerned about the repercussions. If you can, I suggest you find an alternative to this bank!

Account ending #2534 was moved from fraud to collections to the recovery department. Agent in Recovery department took my personal checking account information to apply payments to this account for every Friday. According to the recovery department no payments have been applied and he does not see payment arrangement but my personal checking account is reflecting payments taken ($50) every Friday from my bank account to Synchrony Bank. There have been hundreds of dollars taken and no one can tell me where payments are been applied to or where the money is. I have been hung up and told they don't know what to tell me. I need some answers asap.

I have had a ChevronTexaco credit card for many years. My husband and i use it for business travel. We had to go into debt relief with some of our other credit cards and we left the Chevron card out of it because we still need to use it. We have never been late or missed a payment. My credit score decreased temporarily while this debt consolidation is going on but will recover. I went into the Chevron site to INCREASE the Autopay so that we could get this card paid off faster only to see that they cancelled our card without our knowledge. They said that they sent an email but i never received one and even their staff could not find one that was supposedly sent! We have never had a late payment with this card and they CANCEL it! What sense does that make? They do not care about loyal customers or what might be going on in other aspects of their lives.

On September 20, 2023, Customs NW Remodeling sent me a link for Synchrony Bank to apply for a loan. The loan in my husband's name was denied due to the applicant being DECEASED. The denial email was received on September 25, 2023. My husband is NOT dead. My concern is that having this "out there" may cause us problems in the future. I contacted our bank, Custom NW Remodeling, our credit report, Social Security and all three Credit Bureaus.

All of them had my husband as ALIVE with good credit. It is not the denial of the loan but the reason for the denial as DECEASED that is troubling. I then tried calling Synchrony several times talking to reps from all over the world, many of whom were hard to understand and the all the calls were disconnected by them.

I used several recommended numbers and finally talked to someone in Ohio who said the Credit Bureau denied the credit. That is FALSE.

When I said this, I was transferred to someone else and after several minutes the call was disconnected again by Synchrony Bank.

If they don't want to okay the loan, fine; just tell us why the credit was denied. Don't lie about it by saying the applicant is DEAD and blame someone else for listing that reason.

The DECEASED label may cause us trouble in the future and I need to know WHO determined my husband was DEAD. This is NOT acceptable business practice AND DEFINITELY THE BANK'S CUSTOMER SERVICE IS WHAT'S DEAD. Listing someone as dead may ruin an individual's financial/insurance/health future to care for self.

THIS NEEDS TO BE RESOLVED QUICKLY AND SYNCHRONY BANK NEEDS TO BE RESPONSIBLE FOR THE MISINFORMATION and remove it from the data base.

I have called and written numerous times. You continue to bill me for charges I have told you are fraudulent. I have received no information on any investigation into the matter.

You are in violation of your own zero fraud liability policy and The Fair Credit Reporting Act. Accordingly, I am now preparing a civil lawsuit, which will include a claim for punitive damages. You aren't even registered with the Secretary of State's Office in Colorado, and you do not have a certificate of good standing. You are doing business in Colorado illegally. I'm a retired attorney and I believe the judge will agree with me that your behavior is predatory and illegal. I look forward to collecting my award for punitive damages.

Cordially,

Regina Matty

[protected]

[protected]@yahoo.com

All payments were made on time, You sent me letters stating Un honorable intentions? Which there was not !

I think I know what happened I made payments to these accounts using checks from a HELOC from Citizens Bank in August 2023, checks were accepted and then reversed. I tried re-submitting on line, they were accepted and then reversed again.

In the end I had to write myself a check to pay the accounts listed, I think someone on your end could have called me and all of this could have been avoided?

Keep in mind I was in communication with each customer service rep, which is no easy task!

I`m concerned this will be a bad effect on my credit score if you make negative report?

I would like to have the JT Max & JeweryTV

Sincerely questioning the canceling, June L Garver 9/20/2023

For some reason your company cancelled mySweetwater and Guitar Center cards. I have always made my payments and had cards almost paid off. For some resaon your company thinks I cannot make payments? Weird how I always paid more than what was due. I will file a complaint with the FTC and have them investigate your company for doing this to me and many others. I want this removed for from my credit report also.