Synchrony Bank
Reviews and Complaints
Closed account with no notification
- Cancelled my card after i paid off promotional balance
Preferred solution: Let the company propose a solution
Gas charges denied
A have their credit card which offers 5% back on gas. On a trip I am currently on it has been rejected every time.
I call in and after 3 transfers and 15 minutes I am told next time it will work just making sure no fraud. Of course I use a different card for my purchase after waiting 10 minutes for them to approve. Starting to think they just dont want to honor the 5% back on gas.
Never declined on any non gas purchase where the pay 1% back.
The last time the account manager tried to say maybe it was the Pilot station that rejected my card He forgot that he had already had me verify the amount he provide on the declined purchase. I asked him to cancel my card and he said call back laterto do it to besure I ready want to
- Untruthful
- Tranfer from one person to another to another
- Failure to correct their problems
Preferred solution: Let the company propose a solution
Wow, I wonder if the CEO from Sychrony ever actually reads these complaints.
- Harassment by their fraud department
- Outrageous interest fees
- Transation detail
Preferred solution: Full refund
Why avoid Walmart, Synchrony Bank & Card Security
I agree with this individual about Synchrony bank. Here is my story:
A short while ago, I was in the hospital for over three months.
I contacted Synchrony bank to let them know. Because I had also purchased card security on my walmart card, the entire bill enventually was paid off. Three days after the payment posted to my account, Synchrony bank decreased my credit line of over $2000 to a measly $100 credit line. I contacted them to ask why and was told they recently looked at the factors on my account and felt the need to decrease the limit on the account.
This is wrong. I’ve noticed that several individuals have experienced the same thing with their walmart card or other Synchrony bank cards.
My advice to everyone is to AVOID Synchrony bank overall if possible and ALL eyes need to be looking at the relationship of Synchrony bank and Card Security because it seems as though they may POSSIBLY have some type of connection here as to lowering folks credit lines if the Card Security makes a payment. It is noticeable that it seems to always happen after using their services.
Resolved: Please connect me with another rep.
I called customer care. Please remove my comment from here, if you can. Thanks
Pay my bill
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Verified ReviewerUnethical credit practices ruining my credit score.
I have always paid my 3 Synchrony Bank cards on time and more than minimum due. They abruptly lowered all 3 credit limits making it looked like I've maxed out the cards.
So I've started paying them down more and now as soon as I paid Old Navy card off, they closed my account without warning! They sent me a backdated letter stating I had too high credit balances and too many inquiries but Synchrony Bank is the only one inquiring into my credit and lowering my limits causing my credit score to go down drastically after I've worked so hard to improve my credit score! Now I worry if I Pay my other 2 Synchrony Bank cards off (Amazon Store Card and Walmart Store Card) they will close those accounts too! It's like they are ruining my credit on purpose!
Where are the Consumer Protection Lawyers to help us from this horrible bank?? I'm not the only one going through this, there are countless others having their credit ruined by this bank.
We need a class action lawsuit! Help!
overpayment checck from Synchrony ,BANK, check , number 0432190
Very Upset Consumer
High Interest Rates - Rip customers off
I contacted Synchrony Credit card company to see about lowering my interest rate which is extremely high at 26.8%. Over the years I have perhaps missed a payment date maybe twice but other than that have paid on time and usually more than the minimum.
I have a good credit score so thought that deserves a few lower points to help pay down the balance. They would not even consider it. They do not care if you have a high balance thats what they want. 3/4 of my monthly payment goes to interest.
This is disgusting the way this bank takes advantage of good customers. I will be taking out a lower interest rate personal loan and paying off the balance and will NEVER EVER get a store card that has Synchrony as their provider. DISGRACEFUL CUSTOMER SERVICE.
BUYER BEWARE - ask about the name of the company and interest rates before you sign up a new store card. It isn't worth it.
- No help at all
Preferred solution: Lower interest rate based on my payment history and credit score
They violate their own contracts.
Preferred solution: stop charging me interest against the terms of contract. have a 7 day grace period. Monthly payments to be $84, that is $2,000 / 24 months.
Unethical Company
Preferred solution: Full refund
Worst Bank/credit card /CS /worse everything ever done business with
Have Lowes, Wal-Mart, Discount Tire, PayPal, cards. All issued by Synchrony Bank.
Never thought to check reviews first. Now I know better. They are the worse customer service because they use overseas yeah India phone support. No problem if you get someone that can actually understand.
The ral problem is there system is screwed up, wither intentionally or just bad IT, web, programmers. Either way, PLEASE STAY AWAY FROM THIS BANK, get 1 or 2 good credit cards from a major bank that's been around, that's hard too as they constantly sell or merge which is how Synchrony started. I know that can be hard & it's tempting when they offer 6 months or more free interest. But you will regret it because they will charge you anyway.
They also claim they can't e-mail you. Has happened to me 7 times on different accounts. I pay everything through my billpay online so I know payments are received on time. They seem to conveniently somehow not be able to contact me and send notices through the mail that I'm not enrolled in e-statements, or they can't contact me.
I've been researching more and see that is part of their way to scam people. I've been lucky but I see all the others that haven't been so now that I have a couple good credit cards I'm closing all my Synchrony accounts & strongly recommend others do the same.
Preferred solution: cancel all accounts
Terrible card
I’ve had nothing but issues with this card. It started about a year ago on Black Friday shopping.
My card was declined several times despite me calling customer service and explaining to them that I was indeed shopping. My most recent experience took place today when I called several times at the grocery store while my card was being declined. I was told that it was all set after reaching several representatives only to have it declined again. Do you not get this card.
If they ever suspect that you have purchased something they immediately freeze your account. If they ever suspect that you have purchased something online,they immediately freeze your account. They then text message you hours later to ask if this was your purchase. They don’t alert you or call you.
So if you don’t see that text message your card will merely be shut off and you will be embarrassed when you’re trying to make another purchase.
I would stay away from them all together. Not worth the hassle.
I’m appreciated card holder
I have had my credit limit lowered while not ever being late on my payment, and paying more than the minimum due. I was told because I am carrying higher percentage balances on my transunion report I’m considered a risk.
How about looking at the big picture. I’m never late on any payments on any of my accounts. And not showing any sign of late history. Just because in my slow time of year my balances go higher, I’m a risk?
Computer algorithms and not human evaluations are going to hurt the world of credit. I would understand if I started to show a pattern that would make it necessary to lower my availability of credit, like making just the minimum for months, or being late. I have never had credit lowered by any other creditor other than synchrony, despite credit score fluctuations. 99% payment history apparently is not good enough.
Word to the wise, use your other cards first before getting a synchrony account. My Amex and cap one are amazing!
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"only wanted to make the interest off of me" Stop the presses!!!! Hold the phone!!!!
Someone call the president!!! This person has unlocked the biggest secret since Roswell and the Kennedy assassination.
A credit card company only wants to make money off of a client. Wow!!!!