Synchrony Bank
Reviews and Complaints

They set up billing through my bank account. They said payment did not go through. I get proof from my bank that payment was made. They still make me make a payment or they will assess late fees. After all the drama and two week later they prove that I made my payment they do not want to refund my extra payment. The indian woman continued to argue with me. I wish they had people that understood english. I still continue to have the same issue with them every month. I have retained an attorney to litigate for me I am tired of dealing with them. Do not do business with them they are crooked.

For over two weeks I have been unable to download my Amazon Store Card purchases to Quicken.

When I contacted the bank they said they were aware of the problem and the "back office" was looking into it?

I said I wanted to complain to someone in that office and they said no one could communicate directly with them?

This is ridiculous, all other financial institutions download fine,

I had my card stolen, reported to company, ftc, my local PD and state attorney general office.i have everything notarized fraud department has offered me no help. But they closed my account out of revenge.this whole thing has left me homeless, living on the streets, they sent me a letter blaming me they pulled my credit report in Aug and one month later closed my account. All of my rights were violated every single one of them with my state. I have no home and I wanted to know who is responsible for that, that is my right. It is not right to blame the victim.ive tried contacting through emails, letters phone calls and no one was helpful.no one was giving me answers. because I don't have a perfect credit score I can't get anything. But my friend who has 750 score was treated like royalty. That's not right. I want answers to who left me kicked out on the streets with nothing.

Failure to apply credits from paypal. A credit for $48.99 was issued by paypal on aug. 18, 2020 and a credit for $47.99 was issued by paypal on aug. 18, 2020.
They also placed a charge of $2.00 on my account. I called the paypal credit
Toll free number on sept. 20 and spoke with mary. She confirmed the credits were there but had not been applied against my account. Paypal credit, aka synchony bank has many complaints against it. I expect these credits to be applied immediately and no further interest charges be applied. If I had known about the lack of integrity of paypal credit I never would have signed-up. See attachments

Security pop-up request I choose between a text or phone message to verify it's me. I have to choose one of three phone numbers to send it to neither of them are the one I've had for 9 years. After calling the last two days and the rep tells me the number they have on file is correct, they pass me on to tech dept who tells me they get those numbers from the credit bureau and I have to contact all 3 of them to update my info. Not going to happen. I have a good, almost excellent rating. I haven't missed a payment of any kind any where the last 101 months according to Credit Karma. This is an eBay issue through Synchrony. I also see the handle my Walmart and another one. I cancel every account if the require me to go outside of their system to satisfy their issues because they are too lazy to do their own research. I request they find another way for me to verify who I am.

I had the Amazon, Lowes, TJmax, Paypal, Ebay mastercard, GAP, and Cathy Pacific total around 80K in credit. Out of the blue, all cards was canceled on 9/17. I found out by embarrass myself in the store when it was declined. All payments were made on time and never late. I don't even carry any balance (who wants to pay the high interest they charge). After 20 mins on the phone with a services rep who barely speak English and she told me I am a "High Risk customer". A High Risk ? I paid all my bills on time and been a customers for years and years. Synchrony don't just give anybody 80, 000 in credit because they are high risk.

I think it is not a good way to treat a customer by cancel the line with out any notice. Maybe it is legal or maybe is not for the bank to do that but it is very bad for business or to retain the customers. Nevertheless, I hope an ambulance chasing attorney would start a class action against Synchrony.

Maybe Synchrony forgets there are many other banks issue credit card too.

Synchrony Bank has closed all my accounts with the same notice saying I could be a risk! I've never made a late payment or a minimum payment, this wreaks of COVID and my age! I was not informed in a timely fashion and was embarrassed when I tried to use my Lowe's card! I am amazed we have no recourse but also amazed that they seem to be doing this not just to me but many more people!

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.