I had a Optimizer plus 1year CD with Synchrony Bank. On 12/31,2015 I closed my account via telephone . I incurred a sizable penalty. Synchrony Bank decided not to close my account on 12/31 but on 1/5/16. I had to pay income taxes on interest I never received because...
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ID
#790599 Review #790599 is a subjective opinion of poster.
Location
Odessa, Florida
Product
Synchrony Bank Account
Reason of review
Poor customer service
New Reviewer
Update by user Feb 04, 2016

My issue is resolved and I received a message from the company confirming that it is resolved.

Original review posted by user Jan 26, 2016
The slowest payment processing. I paid my bill using paypal on Jan 8 and my Smart Connect statement showed a zero balance, but still available credit did not reflect my...
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1 comment
#1157950

same thing happened to me. I finally refused to fax in my banking info when the supervisor told me he could see the payment.

I told him *** no I'm not faxing my banking info to a messed up company who already agree that they have my money, want my SS # too,while I'm at it???????

He released the credit after I wouldn't back down and threaten to close the account. UNACCEPTABLE

Resolved
ID
#778236 Review #778236 is a subjective opinion of poster.
Location
Castle Rock, Colorado
Cons
  • Customer service was not helpful
Reason of review
Poor customer service
Loss
$255
Preferred solution
Let the company propose a solution
New Reviewer

Poor customer service

I'm getting emails that say my Care Credit account has been locked due to several unsuccessful attempts to access it. I access my account once a month for my statement. When I called and voiced a concern to two representatives that someone may be attempting to access my account, they both spoke from the same script and said nothing of value. Basically, they could care less. I'm concerned that Synchrony Financial isn't more concerned about possibly fraudulent activity and yet will hold me responsible if fraudulent charges are made. In addition, their telephone menu is the worst ever! WAY too difficult to reach a representative. When I asked for the Fraud group, the automated system closed my account and issued a new credit card! Where is this customer service group located??? It didn't sound like English was their first language.
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ID
#777276 Review #777276 is a subjective opinion of poster.
Location
Yucca Valley, California
Pros
  • No interest payment plan
Cons
  • Customer service was not helpful
  • Poor customer service
Reason of review
Damaged or defective

Synchrony Bank Checking Review from Lackland Air Force Base, Texas

On Dec 2,2015 synchrony Bank mailed me my RMD. I informed them it was the wrong amount and on Dec4.,2015 they mailed out a second check. I notified them on Jan 5 I hadn't received my checks. I sent them their form to void out the two missing checks. I had to pay a notary and special UPS fee. It is now Jan. 20,2016 and still no checks. I contacted a synchrony bank supervisor, Ryan, and he said if I don't receive my check by Jan 22, 2016 they would mail me their check void document where again I would have to pay another notary and delivery charge. I asked what happens if I don't get that check. He said they would have to do it all over. They refuse to electronically transfer my money to my bank but will accept electronic deposits into them. I want my money and will transfer all my money to another organization.
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ID
#774948 Review #774948 is a subjective opinion of poster.
Location
Lackland Air Force Base, Texas
Reason of review
Problems with payment
New Reviewer
I had my Lowe's credit card (Synchrony) payments set-up to be paid online through autopay. Apparently, the autopay stopped taking money out of my account in September 2015 unbeknownst to me. My credit card was cancelled by Lowe's for delinquent payments. The...
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4 comments
#1356271

If you're on auto pay, you've got to know that funds didn't come out of your bank account. Try checking your bank statement every few days. It's your money.

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ID
#759245 Review #759245 is a subjective opinion of poster.
Location
Saint George, Utah
Product
Lowes Credit Card
Cons
  • Customer service was not helpful
Preferred solution
I would like my account reopened since it was not my fault that autopay quit working and no one informed me of delinquency.

Synchrony Bank Carecredit Account Review from North Miami, Florida

Took out a 17 month interest free line of credit with Synchrony at my vet. I scanned their application from a poster on the wall that read "interest free." Fast forward 45 days, I start reviewing collection calls for a "rooms to go" account. I don't have one but as it turns out my mom does. Yup that's right, they confused us. Meanwhile the calls continued. Over 6 calls per day from 7 AM to 8 PM. They were collection calls for the credit care account as well. My original debt had gone from $496 to $583 in just a month due to "late fees." I explained to them that their "late fee" was tantamount to a usury charge and at that NO time prior to signing up with them was I EVER informed that a minimum payment was required. Had I known this I would NOT have taken out the line of credit under any circumstances. They even reported on my credit which I didn't find out until yesterday when I tried to buy a car and the screwed up my credit!!! Finally I was so upset I paid the balance but feel they are operating deceptively. My mom has been going through the same thing too on her rooms to go account. Had I known I was getting a line of credit with Synchrony, I wouldn't have signed up because I could have seen their complaints online.
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ID
#757456 Review #757456 is a subjective opinion of poster.
Location
North Miami, Florida
Reason of review
Problems with payment
To Whom It may Concern, I have had an Amazon Store Card through your service for over 3 years now. I have recently had issues being able to log in and have made several attempts over the past few weeks to get help from your support. I have been through all of the steps...
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3 comments
#1375377

Porque no me dejan entrar en línea solo quiero pagar mi saldo y cancelar todo tipo de cuenta con ustedes

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ID
#748321 Review #748321 is a subjective opinion of poster.
Location
Arlington, Virginia
Cons
  • Unethical
  • Terrible customer service
Reason of review
Poor customer service
Preferred solution
Let the company propose a solution
New Reviewer
I was signed up for Care Credit without my consent. I went for a consult and was told my insurance would not cover the whole bill. This happened at Castkeview Dental in Murrieta California. Ariana the office manager never went over the charges with me. She told me to...
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ID
#741351 Review #741351 is a subjective opinion of poster.
Location
North Hollywood, California
Reason of review
Poor customer service
New Reviewer
I have had the worst customer service experience of my life with them.I have been on the phone with them 5 times today. The called and then hung up on me when I asked who was calling. The second time when I called the manager said that customer service wouldn't speak...
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ID
#724532 Review #724532 is a subjective opinion of poster.
Location
Silex, Missouri
Cons
  • Lack of honesty
  • No notification - hidden on 2nd page of invoice
  • Unethical
Reason of review
Bad quality
Loss
$200
Preferred solution
Let the company propose a solution

DON'T USE UNLESS YOU HAVE NO OTHER OPTIONS!

I needed a dental crown in January 2012. The cost seemed very high but I had 6 months to pay it down. As fate would have it, I then was told that the gum graft I had not been able to afford was necessary asap, another 6 month option. I am on a fixed income and lost my savings to medical expenses; Care Credit was my only option - AGAIN! Here comes the fine print! Ask your dentist about this, too. By doing Care Credit, the clinic charged me an extra $300 on EACH of the 2 procedures, telling me this was to cover the carrying charge they pay CC! So there I had one crown +$300 and one gum graft + $300!. Then the 6-months couldn't be paid off, so tack on 26.99% from day 1 for the crown and again for the graft. I have made more than the minimum payment every month since January, 2012. It is now October 2015 and my balance remains at just over $2,000. In fact, the balance now due is more than the balance of both procedures had I not used Care Credit. I now need another $1,200 of dental work by a dentist who will not charge me his carrying charges. However, because my income is not sufficient to pay off in a few months, the 26.99% will again be tacked on. Fortunately, my dentist has agreed to carry my payments as long as I do not miss any payments. Care Credit has left me disastrously cash strapped. Please don't use them unless you have no other choice. It could mean a lifetime of debt! If I could find a way of recovering anyting, lowering interest, ANYTHING, I would love it. Any ideas? Please let me know!
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ID
#723254 Review #723254 is a subjective opinion of poster.
Cons
  • Outrageous interest fees
Reason of review
Interest too high!
I can not believe this company can get away with their promotional "no interest" plan. Their selling point is that you have a no interest plan for health related issues if payments are made timely. They do not tell you that if the ENTIRE BALANCE is not paid off they...
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ID
#715821 Review #715821 is a subjective opinion of poster.
Location
Dallas, Texas
Pros
  • Payment plan
Cons
  • Unethical
  • Outrageous interest fees
  • Lack of honesty
Reason of review
Very unethical and misleading company.
Loss
$550
Preferred solution
I want the interest removed and I will pay the balance in full
Last month, I paid my Amazon store card 1 day before due. I was quite surprised to receive a notice that I had been assessed a $25.00 late fee. I called the bank and the automated system said I could have a one time dismissal of a late fee. After accepting this...
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8 comments
#1775844

I keep trying to sign in to pay my bill and it keeps rejecting my password and sign in. It then asked if I wanted to change my password and then they ask me for a code.

I type the code and they keep rejecting it, I try again and on and on, always rejected. I am 80, not perfect eyesight, but I know I typed what I saw. How do I pay my bill if you don’t let me sign in.

Thank you Edward D. Kelley

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ID
#711013 Review #711013 is a subjective opinion of poster.
Location
Midlothian, Virginia
Reason of review
Late fee for on time payment
Preferred solution
Let the company propose a solution

Thinking about opening a CD at Synchrony Bank?

You may want to think AGAIN. The maturity date on your CD is NOT the date that YOUR funds are available to you. Their practice is to make them available the NEXT business day, which could be Monday or Tuesday (if Monday is a holiday), and if the CD matures on a Friday. Then, if you want your funds transferred by ACH to your local bank account, they artificially delay that process multiple days, when a next-day effective date to reach your bank account is available & possible. So, you may not see YOUR money in your bank account for up to 10 calendar days after your so-called maturity date. Save your breath with the complaints - they have highly scripted and stonewalling responses to anything you may have to say. Don't plan on using that money for something important to you anytime within that 10 day period. NO TELLING how long it may take to get a physical check mailed to you with the proceeds.
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ID
#705218 Review #705218 is a subjective opinion of poster.
Location
Austin, Texas
Product
Synchrony Bank Account
Reason of review
Problems with payment

Left hand know not what rt hand is doing

filled in everything online for monthly payments automatically taken directly from my account.done with total assist care credit officer. 2 months later get call from CC states my bank refused to pay.Called USAA they said nonsense not true.another mo passes call from a sinkrone banker asking for payment told them dont know you my business is with Care Credit.called care credit message from robot account closed no payment due balance zero.this is for a vet bill march 17 2015 emergency needed 5000.00or cat will die.called care credit told them about mssg.they said it would be taken care of no late charges all is now well.come July calls 5 times day from some sinkronee bank they hang up after you answer you call back put on hold but asking for acct no and ss number. called care credit same mssg acct closed. I have had it called them sinkronee bank in orlando demaned to see a statement from them regarding their claim was told that they are removing my name from their call list sorry for the inconveinience i will do nothing until i hear from Care Credit the money is in my savings account and if nec i will pay the veternary clinic cash for their services,just recd mail letter from CareCredit states I owe them 500.00 late fees and on page the letterhead sats Synchrony sercices stating i am over the limiy by 280.00 can you believe this? USAA will verify this
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1 comment
#1020721

**To expedite a response, please provide Reference code DM 81715_PC_Anonymous**

I’m sorry you have experienced issues with your Synchrony Financial account. We would like to try and resolve your concerns.

Please email me at ask.synchrony@***.com with your name and phone number.

A member of our consumer advocacy team will call you to assist.

For your security, please do not include your account number in your email.

Regards,

Nicole

Synchrony Financial

ID
#682960 Review #682960 is a subjective opinion of poster.
Location
Oakland Park, Florida
Pros
  • Noihing
New Reviewer
I received a notice that my payment had not been received when I called the company they told me the payment had been received but I owed an additional $24.00 as they had taken 5 months of late fees out of the extra amount paid each month and I paid early so no past...
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3 comments
#1007460

**To expedite a response, please provide Reference code DM 71415_PC_Appie-4**

I’m sorry you have experienced issues with your Synchrony Financial account. We would like to try and resolve your concerns.

Please email me at ask.synchrony@***.com with your name and phone number.

A member of our consumer advocacy team will call you to assist.

For your security, please do not include your account number in your email.

Regards,

Nicole

Synchrony Financial

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ID
#662920 Review #662920 is a subjective opinion of poster.
Location
Spokane, Washington
Reason of review
Problems with payment
Loss
$171
Preferred solution
Full refund