Synchrony Bank Reviews and Complaints | synchronybank.com @ Pissed Consumer

Most helpful review

Nov 21, 2017 PissedConsumer1134786 of West Palm Beach, FL

This company deserves a class action lawsuit!

Synchrony Bank is single handedly destroying everything that credit builders/rebuilders work so *** hard to achieve with their greedy Mickey Mouse system. In a world where credit scores determine so many futures and outcomes, you're better off WITHOUT Synchrony Bank....

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253 comments

Jul 03, 2022 PissedConsumer2205529 #2205529

We have had the same experience. Wal Mart used them for their credit card customers and a few years back dropped them and switched to Capital One to issue their store card.

There was many Wal Mart customers complaining. So happy Wal Mart listened.

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#1134786

Product

Carecredit Credit Card

Reason of review

Problems with payment

Aug 16, 2022 PissedConsumer3860092 of New York, NY

Credit card application

You can't talk to anyone unless you give your card number or social security number.I don't have a card number because I don't have a card and when I give my social it's not recognized.I called because they sent me a email saying I applied for a Amazon store card but I don't recall doing so.

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#3860092

Location

New York, New York

New Reviewer

Aug 15, 2022 Christoph R Awe

Worst bank

1.0

I no longer use the Amazon credit card or my Lowes card because Synphony bank is toxic ..And dont ever set up paperless billing with them money its a trap that will cost you hundreds over a short time..

User's recommendation: Avoid at all costs.

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#3855526

Location

Spokane, Washington

Loss

$100

Preferred solution

Full refund

New Reviewer

Aug 12, 2022 bernadette g Tnn

Horrible company to deal with

i have an account with mathis brothers/Synchrony. i canceled a purchase and should have $600 credit but it's not showing up. what a joke to try to reach a person to talk to about this!! ugh! i'm thinking they are wanting to stall so i won't be able to pay off balance before the 12-month no interest window. total run around!! and Mathis Bros says it's out of their hands. they've credited my account but Synchrony is not releasing the credit. NEVER EVER will i do business with any company that deals with Synchrony.

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#3847152

Pros

There are no pros

Cons

Surprised anybody makes payments to your company
Overcharging after 12 months

Loss

$650

Preferred solution

Full refund

New Reviewer

Aug 09, 2022 Ikhlas Ysm

Account questions

Trying to find my balance and all phone numbers arent working . Ive tried several different numbers and cant reach anyone

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#3837367

Location

Johnstown, Pennsylvania

New Reviewer

Aug 09, 2022 Debra G Gpo

Poor customer service

1.0

Poor customer service. I paid Amazon credit To pay off the credit card and hit the button twice or paid twice. It was over $3000 and each one was the same transaction. I called my bank to cancel one because I could not get a hold of anyone it Amazon synchrony account....

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#3837194

Preferred solution

I would like for them to review my account and noticed that it was a payoff and then it was a duplicate and then I am not a bad credit risk. The reality of it is as I was paying my payments on time I had the money I was a good customer.

New Reviewer

Aug 06, 2022 Bayard Hmf

I can never get signed in

1.0

I can never get signed in. Every time I change the password it doesnt take it the next time!!!qqqqqaaaasssddfghjklzxcvbnmqwertyuiopa

User's recommendation: Use a different bank.

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#3829762

Location

Dallas, Texas

Aug 06, 2022 PissedConsumer3828191 of Waterville, ME

Rewards Program & Interest Rate

1.9

My credit score was 800 which is 79% better than most card holders. Your rate was too high. A bigger issue was the rewards program. You apply the rewards to the balance due on the card. There was no option to cash them in for a check to be sent to me so I could use the money as I saw fit. Also, you closed a card on me I once had through the Sam's club because you decided I wasn't using it enough.

User's recommendation: Stay away from your bank.

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#3828191

Location

Waterville, Maine

New Reviewer

Aug 05, 2022 Deborah G Twk

Unpredicatable credit limits!

1.0

I had four different accounts that were issued by Synchrony Bank: JC Penney, Amazon Prime, Sam's Club, TJ Maxx. Within about 6 months of having the accounts, at different stages, each one's credit limit was REDUCED to a ridiculously LOW limit! One of my accounts was reduced to just $120 from $1000! Each one was done with me being given any notice whatsoever.

User's recommendation: Don't open accounts with them! Check your applications to see if Synchrony is the issuing bank and DON'T APPLY!

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#3827004

Location

Fayetteville, North Carolina

Pros

Currently cant think of any

Cons

Will decrease your limits without notification

Preferred solution

I would like to get some type notification as to WHY my account limits were decreased!

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New Reviewer

Aug 01, 2022 Horace G Zdk

Too much requests to a person that is supposed to have good credit with your company

1.0

Is real hard for people in your company to continue to have credit , difficult to continue to expand, why

User's recommendation: Call the client.

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#3813593

Location

Pajaros, Toa Alta

Pros

Easy to use

Cons

No notice to customers before hugely impacting their lives
Ridiculous limitations often without reason or warning

Preferred solution

Let the company propose a solution

Jul 25, 2022 PissedConsumer3793706 of North Fort Myers, FL

Revoked Credit card without explanation

1.0

went to purchase diesel yesterday went to citgo my local station ,put my card in was denied did it 3 times no avail ,so today i called the 800 number citgo has they couldnt understand why ,so i called these bozos after 30 min of a royal runaround was told my account was cancelled ,i asked why ,again a letter of explaination has been mailed out to you then i was hung up on

User's recommendation: DO NOT USE THIS BANK FOR ANYTHING.

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#3793706

Location

North Fort Myers, Florida

Jul 22, 2022 PissedConsumer3784236 of Lancaster, CA

On my Pay Pal account I received the bill this month and there is a charge on my Pay Pal account I never made! I called the bank and complained about the charge and told them I did not make the charge

I complained this makes 2 months and nothing has happened I did not make the charges. I called EBAY and complained and they dont speak English to well and dont get whats going on! I will take this to court and get this resolved. They are useless. EBay. Dont shop there with there Pay Pal account because they will fraud you on charges

User's recommendation: Don’t use EBAY and PAY PAL together. They will screw up your accounts.

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#3784236

New Reviewer

Jul 21, 2022 Erik K Lmt

Not Happy

I opened up an account through Jack Williams Auto. I received $800.00 in credit on the account interest free for 6 months. I used $700.00 of my credit line and paid it off in 2 months. After it was paid off I was notified that Synchrony bank has lowered by limit to $250.00. Shortly after that I charged $245.00 on the account and the next day I received a notice that the account was being closed for lack of credit usage.

User's recommendation: Do not use Synchrony bank. Total scammers.

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1 comment

Jul 21, 2022 PissedConsumer2215635 #2215635

And your point is what? If you don't use a card, they will lower your line and/or close it.

If you pay it off all of the time, they will lower your line and/or close it. You ARE NOT making them money if you don't keep a balance or don't use it. They only have so much credit to give.

If you're not going to use it, they'll surprise someone with a line increase and bury them... This is Credit Card 101 and can be verified by a quick search..

0 0

#3781279

Location

Philadelphia, Pennsylvania

Product

Synchrony Bank Credit Card

Pros

No pros to this bank

Cons

Reduces your credit line or closes your account

Preferred solution

Let the company propose a solution

New Reviewer

Jul 20, 2022 Maria V Bve

Credit check 0000199112

Need questions about the check I received I misplaced it and need questions about what account it was the check thank please call Or text you phone

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#3778650

Location

San Antonio, Texas

Preferred solution

I misplaced a check you send me in my son Mark Valdez names I make the payment in all the account

New Reviewer

Jul 20, 2022 Janice H Jax

Fraudulent Advertising

1.0

2 days ago I applied for a card for some dental work. I was approved for $1000. Card will be here 7-10 days. Today I receive an email saying I have been denied. If you are not able to make an upfront decision, say so. To say otherwise is fraud. I have submitted a report to the states AG

User's recommendation: Do not count on anything this bank says to you.

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#3777736

Location

Fitchburg, Massachusetts

Preferred solution

Deliver product or service ordered

New Reviewer

Jul 18, 2022 Patricia W Wju

Dispure

1.9

I havent gotten my credit on my return and I dont want to be charged or I am going to cancel my card!!!

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#3772839

Location

Brewerton, New York

Loss

$78

Preferred solution

Full refund

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Diversity of Products or Services	2/5
Location	2/5
Additional Fees	1/5
Website	1/5
Discounts and Special Offers	1/5

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