Synchrony Bank
Reviews and Complaints
Recent closure of Lowes credit card
On October 31, 2018 I received notice that my Lowes credit card acct was being closed. This action has caused me distress.
I am a long standing holder of several of your cards and have always paid on time and above the required payment. If your decision was based on a recent credit report. Let me assure you that the report was not accurate. I have taken steps to find out the problem.
I am disappointed with your actions and feel I have been abused for being a responsible card holder. Is there anything you can do to help me with this issue.
I want my Lowes card back. I have worked very hard to have a good credit rating and believe this action is just the beginning and will have a negative effect on my other Synchrony accounts.
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- Closing of long standing account
- Closing of long standing account thqt was never late
Preferred solution: Let the company propose a solution
They enjoy causing nothing but trouble with decreasing your credit limit.
Thank you
Disappointed
Have had Walmart card since 2011. Credit line was 5,000.
Unfortunately overlooked 1 payment. Called immediately and made double payment. Was told I was ok. All payments 100% history.
After being told I was ok, they lowered my line to 800$.
Very very hurt. Trying to do right thing.
Closed account for no reason
Today on 9/4/2018, i log into my Walmart credit card account to check balance. I notice my account has been CLOSED.
Funny how they closed it after i just paid off my $2,300 balance. Will not use them again for anything. Never had this happen with anyone else. The reason was they checked TransUnion, and didn't like something.
Funny, since my TransUnion score has only wen't up since this card was established. Customer service rep told me to wait for the letter in the mail and that would explain it. Funny how they can't give me a no BS answer right now.
Thanks Synchrony for shutting my card down right before Christmas shopping was about to begin. I guess other companies will be getting that money instead of you.
- Anything about your customer service
- Cistomer service that cannot listen to customers
- Insufficient explanations
Preferred solution: Let the company propose a solution
CareCredit doesn’t care
Synchrony Bank closed my Care Credit account due to inactivity, which dropped my credit score 45 points in a day! Then they say you can reapply. With my new lower credit score?! And add a hard inquiry to lower the credit score even further? And the interest rates on your other credit cards? Through the roof due your not-your-fault credit score!
I explained that I had to pay off dental work done at UMD (they don’t take CareCredit) andover $1200 of vet bills at Virginia Tech (they don’t take care credit) before I could afford the payments to get the rest of my dental work done at a CareCredit dentist.
Then the CS manager says, “Sorry about the inconvenience.” That’s NOT an inconvenience. Being late to an appointment because you hit unexpected traffic is an inconvenience. Having YEARS of pain and struggle as well as increased financial hardship caused to you because a company could not send out an email asking if you still want the account is NOT an inconvenience! It is a hardship that they expect customers to just bend over and take.
In a time when credit scores can impact what job you can get, what apartment you can rent, what you pay for homeowners’ and car insurance, and what interest rate your remaining credit cards are going to jump up to, it is appalling that a bank tries to say, “It’s in the terms of service.” The bankers know the customer’s life will be impacted for YEARS, through no fault of their own, and don’t care enough to even send out an email survey asking why the card hasn’t been used. It doesn’t matter to them anyway; consumers are a dime a dozen.
- Company has no incentive to act like customers matter
- Supervisor had no power to fix the problem
- No one remembers all company tos months later
Preferred solution: Let the company propose a solution
Issue with payment
Slow to remove Pending charges, Is interest being charged while they are pending????
Paid my account on time,more money then asked as soon as paid off they cancel my card!
- Cancelled my card without my authorization
Preferred solution: Let the company propose a solution
Headache headache
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Verified Reviewer | Aurora, ColoradoThey are Awful will be closing all cards
Closed account without authorization
- Cancelled my card without my authorization
Preferred solution: reinstate my credit card that I have always paid 100% in full and on time
Just a bad bank
Can I give the rating lower than 1?
A few months back, I opened a credit card with Amazon so to get points as we shop almost everything from Amazon. When I got the card mailed to me, I immediately register and set up autopay.
A couple months later I got an email saying late pay and credit default will be reported. (Before this I never got an email from them regarding statements or anything. I signed up for paperless. Other banks send at least a notice that you get a statement.)
I went like what?
So I signed on to my account to check (besides their sites are horrible too. That's a whole separate issue.) I chatted with an agent about I just checked there's auto pay set up to pay in full why did this happened? So he said it's in effect next month (over a months after signing up for autopay). I went like what!
I set this up weeks ago. So, I asked for a credit on the late fee and interest after paying in full. He said he could not give me back the interest but will do late fee. What?!?!!!
If your system cannot handle autopay, why is this my fault besides that you will report me to have bad credit. It's not even one month late yet, what!!!! I sent a message to the bank to escalate this since the agent couldn't do it. The message from the bank said to me about the same thing that the autopay is affected in Oct and this is Sept.
and blah blah blah. I have several credit cards and never have anything like this happened to me. I really feel like I've been cheated and treated badly. How could this bank stay open?
Everyone here gave 1 star ... 1 star from hundreds of people. Apparently they don't care about their ratings. I will also write Amazon and how could Amazon chose them and did not see the ratings?
Just a very terrible feeling and experience. That's their customer service.
- Cheat
- Terrible customer service
This is INSANE!
That exact thing happened to me also. I’ve been a credit holder since 2004.
I’ve always used and paid more then the min payment. I was NEVER LATE! I have several other cards with them as well. Now they keep lower my credit lines on the other cards.
Which is killing my once great credit! As the consumer it’s hurt to fight against them. Customer service all but laughs in your face with oh well.
It’s a hurtful thing to work so hurt to get and keep good credit, all for a company to start closing and lower your crdt lines which continuously makes it seems I’m a crdt rise. This is INSANE how they do thing to customers with long history of good crdt.
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Oh wow....If this was based on a credit report........... Sounds like you know something is on your credit that shouldn't be.
Clean it up and you won't have to pay credit utilization games to keep your score up. Get to work...