Synchrony Bank
reviews and complaints

To whom it may concern
on 07-31-2018 I payed off this account and on 08-20-2019 I receive a letter from a attorney office saying that I owe money to this firm, so I paid it in full .
Then my wife remind it me that we did paid this account already I am trying to solved this problem and get my money back, I call every were and no answer they just give me the run around.

synchrony bank [protected]

Pressler, felt & Warshaw [protected]
I have proof

Synchrony bank
As a Chevron/Texaco Card holder i've never been late and paid balances in a timely manner. Like everyone else my income was effected by COVID and had to take a few deferments on credit cards and car payment. Banks and lenders penalized you for this and my credit score dropped 100 points.
Since we are coming out of the COVID epidemic and have been able to be gainfully employed things are turning around. However, Synchrony bank closed my account due to "low credit score" There policy is that once an account is closed it will not be re-opened.
This is extremely unfair due to the fact the COVID was out of my control as it was for many others impacted financially the same way.

Synchrony Bank is unjust and prejudice against minorities in medium income brackets.
I am asking those who have Synchrony Bank credit cards to close them as a this bank does not deserve business from hard working, bill paying customers.

Please take action against this banks injustice.

Russell P
Los Angeles, CA

I was "pre-approved" for a care credit card- but when i completed the app i was denied - without any explanation. I was told i would get a letter in 3-5 business days - which i have not yet received. I did get an email with instructions to call up the letter. I completed the form and got a blank page - no data loaded. It is impossible to get to a person - the auto-attendant wants an account number - which I obviously do not have. At this point i do not wish to do business with you as it is clear it is too difficult. I have an 831 credit score and cannot fathom why i was denied!

Paid every bill on time, paid your exorbitant fees. Expecting a refund from summit racing on a part i had to return but no, you closed my account, without my consent, without calling me, because of other credit card balances which are none of your business. All of my credit cards are paid on time. You had no right to close an active account that was dutifully paid upon. I have all the proof I need to bring this to an attorney and sue you.

Changed to paperless payments and haven't received an email statement or text on my Gap card, Belk card or Lowes credit cards until I get an overdue text from Synchrony saying "this is to collect a debt" so when I go check my online account I have a late fee and interest due. I have always paid my bills on-time and now after talking to Synchrony's Rep she said that they would correct the info with the credit bureaus as well WTF! She also stated that she would pass this up the chain to have this rectified. Doubtful! Synchrony doesn't email or text me a bill... how am I suppose to know what to pay? Going back to Paper billing. And contacting the BBB about these reprehensible practices by them.

1. Everyone that answers the phone does not speak clear English I have to ask to repeat what they are asking me. I understand some people are not fluent in English but it was very hard to understand the few people that I talked to.

2. I know policies are in place for a reason but why do you not have a policy for emergency situations like court proceedings, estates, and house closings. I would not ask that if I was not of a urgent matter.

3. Several people that I talked to at the number above were not friendly or pleasant to speak to. They kept interrupting me and talking over me. I got really frustrated and requested to speak to a manager in the department where you report deaths and was refused to be transferred to one.

I know customer service is important to a large company as Synchrony. But the service I have received in the last two days is not customer friendly.

Synchrony Bank has been charging me extremely high payments closing my accounts since the pandemic ended I was making my payments on time and they still started charging me hi rate and closing my card accounts they were hitting my credit repeatedly every month lowering my credit score in a way that would affect my credit with them I feel that its wrong for them to do that because I have been a loyal customer before pandemic so I don't understand why they were starring closing my accounts all quickly like and started increasing my rate after the pandemic I feel that it's not right for them to do me like this and I feel is wrong for them to constantly keep hitting my credit lowering my credit score so they can have an excuse to close my accounts

I am writing to you to express my frustration with Synchrony Bank. I opened a SAMs credit card in 2015 and was a faithful customer, paying my bill each month. Then in April 2020 I stopped receiving statements. I will admit it took two months until I realized that they were not coming however when I inquired about it, I was told that the account was closed. When I researched further, I found that the balance had been transferred to another account number and that the statements were being sent to an address in Lithonian, Georgia. Each time I called, I was asked if I had ever lived there and answered, "no" and if I had anyone I knew living there and again I answered, "no". I received copies of the statements that were sent to that address and with the new account number which I had never had. I was told that since the account was not paid, it would go to collections. Each time I was told that the situation would be rectified, it was not taken care of. When I received a notice that it was going to go to collections, the person I spoke with sent it back to your bank to investigate my claim. I received a letter stating that it was not considered fraud due to the fact that I had paid on the account and it had been open for more than 12 months. I did pay on the account. Every month. Until I no longer received the statements. My attempts to resolve the situation fell on deaf ears and it went to collections which I have since paid in full. However, in the meantime, my credit has been damaged. I pay all of my bills each month for at least the minimum due if not in full, until they are paid off.
I am inquiring with you as to how my credit can be fixed with regards to this specific card. This was not my fault yet I am the one that is paying the consequence. I am trying to take out a loan to pay for my daughter's college tuition this fall and was denied due to the damage this has done. I would appreciate some follow up on this and for my account to show that it has been paid and was not just "written off as bad debt".
I can be reached by phone at [protected] or mail can be received at 15 Delp Road Temple, PA 19560.
I look forward to hearing from you so that this matter can be resolved.
Linda Messner

I was charged a late fee for paying my account ahead of time. When paying off my account they couldn't credit my bank they said but had to mail me a check from India. They are floating my money along with everyone else's

I have amazon card with them and never missed payment and they sneak around behind my back and reduced my credit limit from 400 to 100 and I refuse to accept they had no right to do what they did unprofessional of synchrony I got limit increases from other by making payment on time for syncrony I gave them ultimatum either they restore original credit limit or higher or they can take 100 limit shove it up their [censored]

Date of Incident: 7/10/2021
Client Number: 530.409.8115

My husband & I went into Mattress Firm (Placerville, CA) on Saturday to purchase a new mattress. We had stopped in the previous weekend to browse. We had the option to finance or pay in full for our new bed. Because of the terms with Synchrony. I applied over the phone & was told everything needed had been provided. I was verified & we would need to wait 7-10 business for a card & then we could complete the transaction. I called back to get an explanation on why there would be a delay as I was approved. The representative Stephanie gave me an explanation & I asked to speak with someone above her who might help expedite me being able to use the funds the same day. Unfortunately I don't have the name of the 2nd rep. I spoke with. The 2nd rep. was not willing to help expedite things or try another phone number which I offered in the initial application call. I wasn't offered an option to reapply either. After asking for help & being declined I asked to speak with whomever was higher than her to help me. Aside from all the frustration leading up the next portion is really where my concern lies.
*I am on track to be paying your financial institution for some time & don't feel confident or comfortable with the customer service provided by Synchrony*
When asking to speak with someone higher up the gal told me she would tell her superior but that she would not take my call & probably wouldn't call me back. As disheartening as that was, it was also very off putting with how rude & the condescending tone the rep. presented (especially for being in management).
The mattress firm employees were thoughtful & helpful throughout the process I just wish Synchrony had been too. My husband & I have little time to take care of necessities as we have 2 very small children & live in a rural area away from Placerville. Having to make extra trips to the post office to retrieve the card & a 3rd trip to the mattress store is an inconvenience to say the least.

Thank you,
Alyssa Yanke
[protected]@gmail.com

This card keeps affecting my credit score Ive paid everything on time and have never been late or ran up my card excessively
I need help! this is out of control, have talked to 3 managers and one said he would fix the issue, now this happens . I never had this issue in all the years Ive used this card Im about to close this acct for good
I have been transferred to too many department with no resolve

My business was recently approved for a card on June 10, 2021 and was supposed to be mailed a card. After weeks of receiving no card I called in and was told that I hadn't received the card because the representative placed my name in the address field. Instead of calling to correct the mistake, I was told that I had to go through the fraud department and then mail in all of my business documents. After the documents are received I have to wait an additional 30days for the documents to be verified and then they will send out a new card. This was not an error on my part and I'm being punished and sent through all of this because a representative made an error. All that needed to be done was putting the correct address for the card to be mailed. I applied in person originally and already supplied every document and was already verified.

Glam Up Style Studio

I have been dealing with Synchrony bank dispute center very incompetent and wortless service, its been since February 12 2021 when I have an unresolved issue with Groupon, Syncroncy dispute center did not followed up wasted time and basically drop the ball in my case, the reps unfortunately are unable to help since there dispute center allegedly has no contact or anyone to follow up with the whole thing is a pure sham.

Very disappointed since this is the first time I dispute a charge thru my credit card very bad service.

The wait time to talk to a representative was over an hour. Once someone picked up their equipment was not working and she had to transfer me to another representative. The whole process took 1 hour and 27 minutes according to my phone log. This was after I spoke to a rep earlier in the week and he gave me the incorrect balance on my account. Disaster. I am trying to figure out why must i work so hard to spend money?

I just received a new Synchrony Bank Lowes credit card to replace my damaged one. Synchrony sent it through the mail without protection such as requiring a call from my phone to activate the card. They also put a notice in the envelope that I was responsible for all charges to my account whether I made them or not. If it had been lost in the mail per their enclosed statement I would be held liable for its use. Is Synchrony Banks policy of holding a credit card customer responsible for fraudulent charges, legal under Federal and or Washington State laws? This never appeared on the previous terms and conditions to my knowledge. I have experienced fraud only twice in 35 years on credit cards and in both cases the banks immediately investigated and reversed the charges. I was not held liable on either of these fraudulent charges. My intent after reviewing this policy and the banks customer ratings is to cancel my Lowes card. I don't need it and no longer trust Synchrony Bank.

I received a letter stating my credit line was lowered from $1, 000 to $620 based on a review and credit scoring system which predicts my credit worthiness. It seems very odd that the new credit line is $20 above what is owed on the account, which I must say has been paid every month on time and 3x the minimum due so I can get it paid off before the end of the promotional 6 month 0% interest. It was nice having the $1, 000 limit because it helped my credit score. By reading the letter, I know TransUnion had no part in your decision, in fact I don't know how you got any info from them without my consent. And, after reading about 80 complaints on the same subject, it surprises me that you haven't addressed these complaints. You've hurt my credit score along with many others that paid their accounts as agreed. My question is Why? High balances on my other accounts has nothing to do with this account, and by the way, all my accounts are in good standing, regardless of the limit. Did you hear of the pandemic we were in? Myself, including thousands of others used more credit during this time for various reasons. That should not be considered a negative thing, especially when I paid all my bills on time, thank you very much. I'll have you know that when I pay this account off in mid August, I will be closing it. I'm not going to give you the satisfaction of that action. Yes, my credit score will take another hit, but it will be worth every point. I honestly don't understand why your company treats good people like second class citizens. Oh, I know, because you can get away with it, So far.

I received my Capitol One Bank 2020 W-2, and it states "Cancellation of Debt". This was not a "Cancellation of Debt" as stated. This account was paid per Huron Law Group in October 2020 with monies that they withheld from my account on a monthly basis. Please correct accordingly in order that i may file my taxes with the correct document. Thanks

I have a private number that one of your reps called me on without release of this phone number. No one has this phone number and it was released by one of your employees. This should never cross the lines of business and personal information to your consumers or clients.

I am aware of your policies as well as my rights to private information regarding my personal information that has been violated by your company and by your breach of security within your company.

This is NOT acceptable as a company and I tired of the violations of rights and crossing the boundaries of the business world.

I am trying to get pre-approved for a mortgage after the recent death of my husband. Over the course of a year they have reduced my credit limit everytime I pay a substantial amount on my accounts. This is making it look as if I have a high debt ratio. When they do this it drops my credit score. As soon as I get the score up it drops again. I am losing ground constantly. They don't call and they never send a letter. Please help me. My number is [protected] and my email is [protected]@outlook.com. Please please. Jody Fisher