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Video interviews are designed to showcase real customer experiences with a variety of companies. They give consumers a chance to tell their side of the story and expand upon their original complaint posted to PissedConsumer.com

First of Synchrony Bank has become WAY too big. I cannot believe that they control SO MANY credit lines!CHEVRON/TEXACOCARE CREDITPAYPAL CONNECTAMAZONJC PENNEYSand I am certain the list is much longer.I am in the process of paying off debt, lowering my balances below 50% of credit line limits to help strengthen my score, only to have Synchrony Bank lower the credit lines to just above the remaining balance to keep the overall percentages higher!Here is just one example, although they have done this to me on EVERY SINGLE ACCOUNT I have with them...I have had a credit limit of $1200 on my Chevron/Texaco account for several years. Until recently, I have carried the balance over $1000, but just 30 days ago, paid off the entire balance as I use the card at the pump regularly because of convenience and because of the recent scams of "scam readers" at the pumps.In less than a month, Synchrony has dropped my credit line to $260 when I had a $200 balance, which in California is about a month's worth of gas.This practice cannot be right, especially with the fact that they have done this to every single one of my accounts with them where I have paid the balances down to less than 50% of the limits, where now, due to their actions, I am back to where I started, ALL of my balances are again at nearly 90% of my limits.THANKS FOR NOTHING SYNCHRONY BANK!I am now going to do every thing in my power to bring action.
I have been charged late fees in the range of $25-$35/mo ever since I began paying on this account. My payments were set up as electronic from my CU, sent automatically on the 15th. They've been posting them on the 16th-19th, depending on what they feel like doing I guess.I need to accept part of this blame for not keeping closer tabs on this account, originally about $2,100 charged. I finally got around to checking it because by my calculations it was ready to pay off. Nope. According to Synchrony I still owe $385. In late fees.At no point was there ever any attempt on their part to communicate these recurrent charges with me, electronically or otherwise by mail or phone. The only time I'll hear from them is when I quit paying - which I'm doing now - or from their proxy bill collectors once they've charged me off. And no, I'm not going to contact them or discuss anything with them because I don't want to ruin my day talking to these ***
My father was diagnosed with Dementia in August. His Neurologist advised us to get power of attorney and that dad can no longer drive. Dad can not handle his personal financial business as he becomes confused and agitated. As his daughter and the financial minded one in the family (I'm getting my accounting degree) I stepped up to handle things. I contact Synchrony as dad has four credit cards with them, Care Credit, JcPenneys, Walmart and Sam's. I contacted Synchrony and explained who I was and my dad's situation. I asked what they needed besides the P.O.A. to allow me and the family to handle dad's cards. Also an address to mail the paperwork. The unhelpful agent, who's first language was not English, kept repeating over and over that they could only speak the card holder! I kept trying to explain about dad's Dementia, but he just kept chanting he could only speak to the card holder. I finally ended up screaming " WHAT PART OF DEMENTIA DO YOU NOT UNDERSTAND?" I then demanded to speak to a supervisor. The Supervisor was equally unhelpful and equally rude. I demanded to speak to his supervisor. He argued with me about getting his supervisor. He finally relented and got his supervisor. I explained the situation to this supervisor and he begrudgingly gave me the mailing address to sent the paperwork and exactly what all we needed to send. If your loved one has any Synchrony Bank cards and you have to take over their finances due Dementia or Alzheimer, I advise hiring an attorney. I also recommend avoiding their cards at all costs.
Most helpful review
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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214 comments
Ananda
#1784555

This bank has the WORST customer "service" I've ever encountered!!! What a SHAME that PayPal chose to switch to their service!!!

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Review
#1134786 Review #1134786 is a subjective opinion of poster.
Product
Carecredit Credit Card
Reason of review
Problems with payment

Make a payment | Synchrony Bank review from Kissimmee, Florida

i need to make a payment today
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Review
#1766330 Review #1766330 is a subjective opinion of poster.
Reason of review
Problems with payment

Very good service | Synchrony Bank review

5.0
Details

Update by user 1 day ago

I need spanish comunication please send me a telephone

Original review posted by user 2 days ago

My name is Victor Delgado i am a new customer with account number 7946 , can you inform me if possible a person who speacks spanish in your Co. They called me speaking in english
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Review
#1765432 Review #1765432 is a subjective opinion of poster.
Pros
  • Credit approval
  • Ease of use
Cons
  • Difficult to make phone contact
  • That does not speak to me in spanish
Reason of review
Comuinication
Preferred solution
Need a person who speacks in spanish

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

New inquiry which I never applied for your card | Synchrony Bank review

You guys got the wrong person ,I am not kassidie,and never apply for credit card ,please remove ASAP hard inquiry asap
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Review
#1763691 Review #1763691 is a subjective opinion of poster.
Reason of review
I got inquiry,on my credit carma without applied for your cedit card
Tags
  • Scam

Don't get any credit card with synchrony in charge. When you pay your bill and they call you a month later asking where the payment it tell them to find or learn to process data faster | Synchrony Bank review

1.0
Details
If you have a problem with one credit card synchrony bank will close an account in good standing. Make sure you have multiple proof of payments when you pay a bill.
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Review
#1761177 Review #1761177 is a subjective opinion of poster.
Product
Synchrony Bank Credit Card
1.0
Details
Synchrony Bank cancelled my gas credit card, on the pretense the account number was included in a block of thousands of account numbers which had been compromised. The account was established and had been in good standing for 28 years, with a major oil company....
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1 comment
Anonymous
#1804437

No one cares loser...

Review
#1759346 Review #1759346 is a subjective opinion of poster.
Product
Synchrony Bank Credit Card
1.0
Details
Synchrony Bank cancelled my gas credit card, on the pretense the account number was included in a block of thousands of account numbers which had been compromised. The account was established and had been in good standing for 28 years, with a major oil company....
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Review
#1759321 Review #1759321 is a subjective opinion of poster.
Product
Synchrony Bank Credit Card

Do Not Do it. | Synchrony Bank review

1.0
Details
They are the worst company to set foot on so-called rules record them and fight for your credit, Always start with the CFO CEO to get your needs taken care of call them every day to correct them.
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Review
#1758109 Review #1758109 is a subjective opinion of poster.

No recommendation | Synchrony Bank review from Massapequa, New York

Called quite a few times for interest rates to be lowered had 2900 charge was being charged 53 in int n 30 went to my balance said they never lower interest so I had to go on hardship to get it lowered which then sent it to credit bureau now my credit is bad never told me n said that I was late on payments never was so you tell you wouldnt have been pissed
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1 comment
Anonymous
#1802377

So, you're mad at them because they told the truth about you to the credit people? The truth is you are no longer in a position, for whatever reason to pay your bills on time at a rate YOU agreed to and probably paid late. Please tell me this lame complaint is a joke.

Review
#1756316 Review #1756316 is a subjective opinion of poster.

Agents | Synchrony Bank review from The Bronx, New York

I want talk to agents to my credit card
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Review
#1748544 Review #1748544 is a subjective opinion of poster.

Contact Synchrony Bank Customer Service

Website:
Mailing Address:
200 Crossing Blvd Suite 101
Bridgewater, New Jersey 08807
United States
Phone:
(866) 226-5638
All Synchrony Bank Contacts

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Latest Question

Synchrony Bank Questions
YES MY NAME IS JAMES MCLEOD.I LIKE TO KNOW WHICH BRANCH OF SUE ME ABOUT CREDIT CARDS WISH CARDS IAM GETTING SUE FOR AND CAN YOU DROP THE SUE.SO I CAN START BACK ON THEM.YOU CAN GET INTOUCH WITH ME BY FAX OR E MAIL ME BACK AT ONCES.THE FAX IS 1-619-563-8779 AND THE E...
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2 comments
Anonymous
#1797046

You're joking, right? Please tell me you know this isn't the bank and you've posted on a public message board?

You will not "here" from them beyond you being sued. Do you really have that many delinquent cards that you don't know which one is suing you? Here's what you do, you're being sued, all you can do is show up and work it out there.

IF you don't show, you will have a judgment against you. That's where the fun will really start.

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Review
#1746806 Review #1746806 is a subjective opinion of poster.
Pros
  • Disgusted
Cons
  • Never get a direct answer
Reason of review
Problems with payment
Preferred solution
BEEN SUE
Tags
  • Jcp Credit Card synchrony Bank