Synchrony Bank
Reviews and Complaints

Horrible incompetent bank. Did a home improvement that had a 0% interest for 18 months using Synchrony. I chatted with a Synchrony customer service rep to help ensure I set up autopay correctly - basically taking a fixed amount that would pay off the loan in 18 months (about $600/month). He ASSURED me it was setup correctly. To my surprise, they took out the entire amount of the loan for the first payment (almost $12, 000). Talking to a real person is very difficult. And they are basically refusing to fix this to my satisfaction. They can "mail" me a "refund", which will take about a month. Meanwhile, I have a huge deficit in my bank account, and these games will only further screw up any autopay I want to set up. Asked if they would pay the fees that could pile up on my checking account during this time. They DID admit this was their mistake.

On hold for over 4 hours total. hung up on twice. Dropped from online chat 4 times. Was asked to confirm with my bank that the payment had been made and I couldn't otherwise cancel it. Was told to call back particular person to continue. But no direct line, and calling the customer service number, they WON'T connect be back to person. So more hold time.

One star is too many. Stay away from this financial institution. They are incompetent. On hold for hours. Online chat is worthless. Wish I had checked online reviews previously, but years ago, I had made a similar purchase for 0% interest that used Synchrony. All went smoothly then. I assumed it would this time around. I was so wrong!

Even though they call themselves Synchrony Bank, they claimed to me that they are not a bank. They refused to just deposit the money back into my account.

Poor online account access. Hard to use. Customer service is a joke, if you can actually get to them. You have been warned. Read other reviews. Stay away.

On 10-12-21 my paypal credit account was blatantly tampered with, every balance on purchased items were drastically changed, items that held balances were all of a sudden PAID OFF but in reality weren't paid off. Synchrony Bank sent me an email Greatly apologizing but would not give details, On 10-13-21 I closed the account. On 10-14-21 someone put my name on a credit app but all other information didnt match, precisely the soc sec #, BUT they ran a credit check on me. Which substantiates a criminal act, because my soc sec # was NOT the number printed on the credit app, they fraudulently performed a hard inquiry when all the info didnt match mine except for the name appearing on the application. And too coincidental, why would I apply for credit the very next day I just closed it, they have been running credit checks on me soft inquiries and hard every week since I closed the account, spying on me and sabotaging my credit reports purposely that's what I'm accusing them of. On 10-22-21 I paid off my entire balance of $2596.99, they I have purposely withheld this from my credit reports, they don't list it at all for October, I no longer have any business with Synchrony Bank but they keep prying into my life and trying to set me up, every allegation that I accused them of and there are many I have hard copy evidence of, meaning screenshots of my account before and after the fraud I have recorded conversations since August meticulously labeled with the subject at hand that confirms and validates the fraud. Again, I have hard copy proof of every allegation I'm accusing them of. The ones I've written about in this letter are just a few of the shady business practices they have thrown at me. They are still GE Capital with the synchrony name. Still playing dirty pool thinking they're too big to get busted, I'll take it to social media if I have to and I'll upload everything. Start a petition to have them indicted for financial crimes just like when they were GE Capital, and I can probably get tens of thousands of people to sign that petition no one is happy with them I have not red one positive review on Synchrony Bank. I want them to stay out of my life leave me alone stay out of my credit report, and just disappear.

Synchrony added a unauthorized $560 dollar charge to me account. I called them and the guy told me it was a mistake and don't pay it and it can take up to 90 days to get it taken. Meanwhile my credit is effected. I'm in the process of Refi my house and I keep getting calls for the mortgage company asking when and if this will removed and resolved. I don't know what to tell them. It's totally ridiculous that a so called bank is allowed to operate like this.
[protected]@gmail.com

I was approved through care credit on November 11th, 2020.I was approved for 4000in credit with a lower score of 657.
I was informed on November 10th of 2021 that my account had been closed.I was told on present day it had been a year that my acct was terminated with 0 notice and it could not be reinstated.I got this funding for my Dental Issues and my Vet bills.I spoke to 9 different reps and was on the phone with Synchrony Bank from 8am to 4pm.The longest hold time was 2 hours and my acct was not reinstated. I read card agreement and it say 0 about
MY ACCOUNT BEING CLOSED WITHOUT MY CONSENT AFTER TECHNICALLY LESS THAN A YEAR..I WAS APPROVED WITH FAIR SCORE ON NOVEMBER 11TH 2020.I received no correspondence saying my acct was at Risk.I want my 9pts put back on my score today which was 721 and my Fico 8 is excellent.I was told they could do nothing and to re apply.I want my 4000$ in credit I earned in 2020.Ive got down payment to have my teeth surgically extracted now but no Care Credit with an excellent Fico 8 score.I feel this is unjust.I attempted to use my card at " The Pet Doctor" two times and told reps to contact merchant but they refused to do so..I have never been late on Any credit card payments in 2 yrs.The closing of my account is horrible, illegal, and unjust sir or madam.
I found out after multiple trips to Urgent Care that I have Periodontal Disease this Oct 29th.Its a process and I had to save my money for extractions, surgey, surgery, full replacement of my teeth which I was told by Dentist were done for.I only want my 4000$ in credit back, my 9pts added back to credit score, and to get these infected teeth removed.Please help me so I can get well?
I was also never told in pamphlet that I could pay for my 6 meds, shop at Walmart, and it only stated for medical purposes. Please do not let Synchrony Bank take my 4000$ as I need it for extensive dental work sir or madam.My score is 60 pts higher now but the system will not even pre-qualify me for 1000$.HAD I KNOWN I COULD HAVE PURCHASED MY MEDS AND SHOPPED AT RETAIL STORES?I WOULD HAVE USED MY CARE CREDIT IMMEDIATELY, SIR..I BEGGED ON THE PHONE WITH SYNCHRONY REPS FOR 8 HOURS.MY DAD DIED FROM A ANEURYSM IN HIS BRAIN DUE TO HIS TEETH.I AM SCARED TO NOT HAVE PROPER ACCESS TO A DENTIST AND DENTAL SURGEON.I DID ATTEMPT TO USE MY CARE CREDIT THE SYSTEM WAS DOWN ON 07/02/2021 and on 10/12/2021.You may verify this by calling [protected].That is the vet office who had trouble pulling up Care Credit so MY 4000$ in credit was not able to be processed.I am in pain and need to get to Dentist and Affordable Denture in Savannah, Ga.Please make Synchrony Bank accountable as they gave me no indication of my account being taken away..My email is [protected]@gmail.com and my name is Shelly Mallory.Please help me retrieve my unused 4000$ as I was basically robbed of health and my rights to quality health.

To Whom It May Concern:

My husband, Roger Lee, owner of R&B Remodeling has had a Business Credit Card with Sam's Club since 1993. Today, I attempted to make a large purchase of approximately $4, 100 using the card and it was declined. I first checked our account to ensure there was no improper activity and was relieved to find that was not the problem and still have over $13, 000 credit limit.

Just a bit of background, my husband and I went together to shop for the item we were considering. Because it was a large purchase, we did not buy in haste. Today, while Roger was working, I went to make the purchase we agreed upon. I called the member service number and the female agent would not talk with me, insisting she had to speak with Roger. I conferenced him in and after he answered all of her questions (that I could have given her) AND authorized her to speak directly with me to resolve the issue, we were disconnected. I called back and got a new agent. He, too, said he needed to speak with Roger, so once again, I interrupted him while he is working to go through the entire process again, even though this agent confirmed he could see all the notes from the first agent. This male agent told me he needed to validate our identity. While Roger was still conferenced into the call, I asked who's identity he needed to validate and he said mine would be fine and he texted a link to my phone. I followed the instructions, taking photo of both sides of my driver's license and a video of my face. Keep in mind, I AM IN A DEPARTMENT STORE! I felt like I was being treated like a criminal! I did everything and received another text with a passcode, which I read to the agent. He said it didn't work. UNBELIEVABLE! He then put us on hold and after 10-15 minutes of listing to music, Roger and I hung up. Roger, while he should be working, called the number on the back of the card. The sales person in the store was so kind, he brought me a chair and bottle of water. I then called the number in the text with the passcode, only to be told they needed to verify Roger's identity. In the meantime, Roger had spoken with 4 different people who told him they couldn't do anything and would send information in the mail that he would receive in 7 to 10 days.

After spending almost 2 hours in the store just to make the purchase, I used my Chase Visa to make the purchase with one simple verification step that it is a valid purchase. After 28 years of being Sam's Club members with a Sam's Club credit card, we are cancelling as we will NEVER deal with Synchrony Bank again. Initially, I appreciated their attentiveness to a red flag since this was a large purchase and not our norm, however, the resolution should have been as simple as Chase Visa's process. In hindsight, I am quite concerned that Synchrony Bank has a photo of my driver's license. I DO NOT trust them.

I am EXTREMELY ANGRY that for the past couple of years, I have paid our credit card online and now they have denied us access to this so I cannot pay online.

We have enjoyed being Sam's Club members for the past 28 years and Synchrony Bank is accountable for severing this.

Sincerely,

Debbie Lee
Peoria, IL
[protected]

I received a letter from Synchrony Bank, stating that they had closed my Ashley Account.

I have always paid Ashley bill on time, no balance and had had the account for years.

Is this going to be a standard procedure with Synchrony Bank? Is Synchrony Bank going to close all credit card accounts at will with no prior warning to the consumer?

I financed about $6000 on a Polaris Northstar Crew and set up autopay to draft my account on payments. The later part of August I called to pay off my loan. I authorized a draft of $2483.01 . A week or so later I get a letter stating that they drafted $12483.01 from my account and the loan was payed off. I contacted them about the $10, 000 mistake and was informed that they would refund it after 30 days. They said this was due to federal money laundering laws. I then contacted my bank and was told that wasn't true and they could get my money back in 1 to 2 days, because it was an unauthorized draft. I then sent a cashiers check for the payoff, it was posted to my account on 09/20/2021. I was told they would release the title after 15 days. I have tried contacting their title dept and only get a recording and it states titles released after 10 days. It is now 10/27/2021 and I just got off the phone and they still have not released the title. They stated their mistake and they would mail the release in 3 days. It has been many mistakes and excuses. I was told once by a supervisor that she hoped that I could detect the sarcasm in her voice. I have never been treated as rude by a company and all due to their mistakes

This is a discrimination complaint! I've worked with other banking and financial services over the years but I never once feel so humiliated over a credit card application. This has reflected throughout the communication I've had with Synchrony representatives and really made me questioning Synchrony and whether the bank actually wants to do business with foreign nationals.

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The first incident happened right after I submitted an application for the Sam's Club Credit. When I called in to retrieve my confirmation number, I was asked to do the extra verification step for my application without any explanation. I suspected that my accent threw them off a bit and that's why the request was prompted automatically. The verification step also asked for my driver license which I shared. A week later, I got a letter saying that Synchrony denied my application because Synchrony was "unable to confirm [my] identity with enough confidence". No other explanation about which information is missing or what went wrong.

I called into Synchrony to respectfully ask if there's a way for me to submit the additional information to which the account manager rudely said that I should have provided the passport in the first place. She then retracted her statement and said that there is actually no passport submission in either the online application or the extra verification step. Nevertheless, she insisted that the result is final and Synchrony has enough information to deny me and asked what I think I'd get out of this call. Near the end of the call, she told me to "fix" my info and re-submit the application and offered to share the address and a fax number for Corporate Complaint. She then hung up after I asked her to hold temporarily while I get a pen and some papers.
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I'd very much appreciate if Synchrony representative approached the whole situation differently, but that's too late now.

You have determined that I am a high risk based off the 2 credit cards I have with you chevron/Texaco card and a Sam's card none have never been late always paid on time.
You have closed my chevron account and you base my credit worthiness off my Sam card and chevron which is never late and I always paid extra.
This is illegal. You have to close all accounts. For the reason you gave me, that's the law.
In this case good luck in your money retrieval.
I consider your actions as, YOU CLOSING both accounts. You cannot have one open and one closed based off of your decision.

Email received today 10/26 to [protected]@gmail.com informing us that a charge of $729.46 has been debited from our Pay Pal account by Coyote Armory. Invoice ID: TT-[protected]-1P. We have never heard of Coyote Armory and have not bought anything from them.

I have no intention of paying this and would like to have this amount taken off our account.

I would also like to close this account # [protected]

Donna McCreedy
[protected]

Within the last 2 days, Synchrony Bank closed all 12 of my accounts without advance notice. Total available credit was $84, 100 with $1, 036 outstanding at time of closure. All cards were used within the last 6 months. Included cards are Amazon, Ebay, PayPal, PayPal Credit, Lowe's, TJMaxx, AEO, SamsClub, Zuilly, JCP, OldNavy, Belk. Several of these have been open in excess of 10 years. Payment history is exemplary on every single account on my report NOT JUST THESE LISTED. I have always paid way more than the minimum payment on all accounts. Credit increases were recently granted on many of the Synchrony accounts listed. My credit score is VERY GOOD. Answer me one question… WHY?! IS THIS THE WAY YOU TREAT A LOYAL CUSTOMER? IS THIS THE WAY YOU REWARD CUSTOMERS FOR RESPONSIBLY USING CREDIT AND PAYING PROMPTLY MONTH AFTER MONTH! YOU SHOULD BE ASHAMED OF YOURSELF. I SINCERELY HOPE THAT A CLASS ACTION SUIT IS BROUGHT AGAINST YOU!

Set up auto pay not processed then paid by phone twice with representative still didn't process payment stated the bank couldn't process. I made payment online and plan to pay card in full never use again. I think their goal is to void 6 month interest free. Never use this Synchrony Bank!

I tried to get financed from Synchrony on August 11 2021 but they couldnt provide proper service for that. Their call center is trash, no one can ever help you so I gave up waiting on their approval letter and forgot about them. However after almost 2 months Synchrony bank sent me a letter that they erroneously mailed my PII (name, address and SSN) to a different person. It took them more than a month to acknowledge the breach despite the fact that I was calling them about my application every other day. After I called the bank regarding the breach they told me that I should deal with my PPI breach myself using free "Experian" credit monitoring services. They refused providing me credit monitoring services at their cost insisting that I must use "Experian" or nothing else. They don't reply my emails and their customer support over the phone is horrible. I am experiencing increased volume of scam calls as well. I am stressed over my credit data compromised which resulted in my health worsening. I ve seen the doctor and got medication prescribed. I want Synchrony Bank to pay 5 years of my credit monitoring services at Identity Guard with Ultra plan for 239.99 annual payment. I also demand emotional distress compensations in 1500$ for the stress Synchrony put me on caused by their negligence.

On 10/20/2021 all my synchrony issued credit cards were closed without notice or cause. 1 of the 8 cards had a $3, 300 balance and all other cards had a zero balance. All my cards were paid on time with no missed payments.

My cards:
amazon
Chevron
Rakuten
Sams Club
Care Credit
Old Navy
Pay Pal

I am requesting that my cards be reinstated.

Synchrony Bank changed paper statements to electronic statements without notice or without consent, so after not receiving a statement for more than a month they started aggressively calling about the account being overdue and needing a payment immediately. The account has been in good standing since the beginning and was always paid in full
In addition to very shady business practices, the "customer service" people are rude AF calling from a phone number listed as spam.
Avoid Synchrony Bank like the bubonic plague; this is an absolute garbage bank among the rest of American banks that are already garbage to begin with.

I have had an account with Synchrony Bank since 2018 when I purchased furniture to move into my new home. For the past three years I have paid on this account. I only had a one or two time late pay that was over two years ago when I lost my job but I still made my payments each month. I received a credit monitoring notice this morning that my account had been closed. I immediately called the bank to find out what was going on as I had not requested to close the account and still had a small balance owed. The customer service rep informed me that the bank made a decision to close my account based on my credit report showing late payments. I do not have any late payments or delinquent credit accounts and have not had any for the past three years. All accounts are paid every month on time. I had prior to made a large payment on my Synchrony account to help in paying off my balance sooner because I was preparing to make a new charge for another furniture purchase for my home. I asked that my account be reopened and was told that once it was closed it cannot be reopened. I am also concerned that closing this account will affect my credit scores to go down while I am in the process of negotiating a refine to get my rate lowered. I don't understand how callous Synchrony Bank can be to not take into consideration the efforts of a good paying cardholder. I considered myself as one of their good customers who have tried my best to keep my account with them in good standing but it seems that this is not the kind of customers that they want.I also have a Synchrony Care card that I have never used but I decided to call in and close it. I do not wish to have any accounts with a company who does not value or care about its members. I will submit a full payment to pay off the remaining balance and will no longer do any future business with this company.

I was giving you a card for my AC based on my fixed income through SSI. Back in July I was put in the hospital for covid. I was late getting the payment to them I contacted them I explained the situation they said not to worry they would take away the late charges I was able to pay them $20 more than my usual payment just in case I had problems in August. When I went to pay August bill they had doubled my payment. Knowing I'm on a fixed income I cannot pay that they are shyster's they are horrible people and I can never reach anyone to talk to them that knows what the hell is going on and all they keep doing is calling me and calling me I cannot pay the amount they are trying to charge me.

I woke up to find out all my accounts with Synchrony were closed. Multiple, longstanding & high credit limit accounts! My care credit had a limit of $15, 000, Lowes $15, 000, Amazon $5, 500, PayPal $3, 500 and much more! Several of my accounts have been inactive due to the recent covid19 pandemic. I've been super cautious using my credit. Not wanting to cause debt! However, recently I decided to take advantage of the 24 month, 0% interest promotional rate on care credit for laser hair removal. It was around $5, 000. I've always paid on time and again the promotional rate was perfect. I've missed so many occasional beauty treatments again due to the pandemic. I can finally feel secure making bigger purchases and get back to some regular self care treatments! I've waited years to start the laser hair removal process. Then all of the sudden my credit vanished. The representative said the inactivity on my account and the recent large charge tagged me as high risk! High risk of getting my life back to normal! I've done business with them for years and always paid on time and paid off multiple accounts. In the blink of an eye my credit score will vanish! Which took years to establish! This is completely devastating and will affect how other lenders see me in the future. Other accounts could see that I literally lost thousands of available credit and close other accounts! This is truly ruining credit for so many hardworking people who care about their credit! I hope someone files a huge lawsuit and sues you for damages!

All of the reps are rude and condescending even the so called Supervisors. They are even worse than the reps. When you try to call to get an answer you never receive a direct response and it seems like they become bothered with your questions! They hang up on you so you can never receive the customer service survey at the end of the call that the rep is "unaware" of. Synchrony's business practices are unfair and misleading and they are unwilling to assist customers. When their online is having system issues, they do not take ownership of that and yet place blame on you as the customer. 8/3 @ 9:11 spoke to Omar in IT.

Synchrony closed my account without notice have high 600s/low 700s credit scores from the 3 bureaus, and never late on a payment.