Synchrony Bank
Reviews and Complaints
Philadelphia, Pennsylvania
Erroneous charges
Synchrony bank added $1.99 per month for paper copy bills after I asked them to stop. They continued to add late fees on top of it for a total of $233.80 despite numerous attempts to resolve the situation.
User's recommendation: Do not use Synchrony Bank 0% financing.
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Verified Reviewer |
Draper, Utah
Closed account without good cause
I received an email message alert from Synchrony Bank stating that another account was closed on October 29, 2024, without good cause. The account has always been current and never been late on a payment, always abided by terms of the credit agreement.
This is the second account they have closed (the Other one was Lowes), over a year ago. I have had the accounts for several years the reason they give is because of some stupid stuff like '"no real-estate loans", well, I rent, and I was renting when they pre-approved me for these accounts several years ago, nothing has changed in my credit profile except I have paid some credit cards off, etc.
I have included some attachments that show their reasoning. They list several that doesn't apply to me..
- Poor customer service
Preferred solution: Account restored and fair treatment
User's recommendation: watch out
They don't owe you an explanation. The terms you agreed to said that they can shut you down at any time.
They ran your credit, it wasn't up to their low low standards so that was it. Move on.
Replying to
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Verified ReviewerWorst Experience Ever
Do not open an account with Synchrony Bank. I had 4 different cards with them: eBay, PayPal, Lowes, and Rooms To Go.
I never missed a payment until recently when I paid the balance. I paid more than the minimum on the 0% Rooms To Go account. Due to a drop in income over the last few months, combined with added medical expenses not covered by insurance, I have had to use my other credit cards that are not with Synchrony. My overall credit card usage went above 50%, but I made sure that all cards were paid.
Unfortunately, the higher credit card usage dropped my credit score. Synchrony Bank, in spite of my never having been late or missed a payment, cancelled my 4 accounts, thereby reducing my total available credit, drastically increasing my credit card usage and dropping my credit score even further. Thanks to them, my score went from 720 to less than 585, even though I have an excellent payment track record. They will approve you and then do a 180 on you when you least expect it.
Be smart; avoid Synchrony Bank. You're better off with one of the lesser-known lenders.
- Easy approval for fair credit
- Quick to cancel your account
Preferred solution: Apology
User's recommendation: DO NOT USE SYNCHRONY BANK
What happened to you is not the exception and occurs anytime your credit usage increases. Creditors are alerted and can make the decision to lower a credit limit or even cancel your account.
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Verified ReviewerI need to talk to a human being please
I have resolved an issue with Synchrony Bank. My records were different than theirs.
I have no problems with this bank!!!
I have used this bank many times. I would prefer to use this bank than others that are around in the United States.
User's recommendation: A good Bank to work with
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Verified ReviewerI have been a victim of fraud and they basically are calling me a liar I informed them and the end at the end of 2020 3 and they still allowed the thieves to charge on this credit card in my name till
This one company ruined my credit. My 780 credit score went down to five hundred something at one point. They broke every law there is regarding consumer rights.
- Fraud
- Punishing people who are responsible with their credit cards
Ooltewah, Tennessee
I mailed them a $3,400 check to pay off the loan and nobody knows where the check is now I have to call and file a claim it takes 90 days to figure out who's got it cuz nobody I talked I was on the ph
I mailed them a 3400 check to pay off her loan and now symphony bank doesn't know where the check is and I was on the phone for an hour and a half and all they said was probably lost in the mail so now I have to file a claim with them and it takes 90 days to figure out what's going on
To check a letter l received
It wrote. I had asked to open a PAyPal credit account.I did not , that dropped my Fico score a lot.
Someone else must have tried too.not me. But it
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Verified ReviewerSneaky underhanded interest games
I had an Amazon Synchrony card. I set up a 6-pay interest-free payment plan on Amazon that was specifically for the Synchrony card.
It gives you actual payment costs per month, and then you click a button to set it up before checkout. Long story short, Synchrony doesn't bother setting them up after all this and charges you a 25% interest on them. It's an error that they clearly profit from every single time.
Customer service is designed to wear you out by acting ignorant, changing their excuses, and switching representatives frequently until you end the conversation. It's the definition of unethical entities.
- Web viewing statement
- Fraudulent apr practices
- Doesnt follow through
- Customer service had no explanation or resolution
Preferred solution: My interest back on the alleged 6 interest free payment plans they shafted me on.
User's recommendation: Their horrible in every aspect except web viewing their statements
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Verified ReviewerNeed to ask some questions.Send me a cole
I'm trying to open a account with lowe's at your big box store I closed The old account that has my ex husband At that time Ada Merritt Was my name at that time? I had a name change is Ada Smith You set A letter for information on my finances I need a number so I can send this information Or talk to someone about this information
Why was the account closed never missed a payment never late payment was 35$ I paid 100$ EVERY MONTH the account is canceled for WHAT???? And talking to customer service sucks!!! Don't deal with them
I paid this account off and my receipt says 554$ the bank said that I paid 100$ only where is my money???Don't deal with them
User's recommendation: don't deal with them they are horrible
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Verified ReviewerCould not find an easy way to talk to a Service rep. Finally after trying several numbers listed in got ahold of 1. 30 to 45 mins to resolve a 2 minute issue if they listed.right number . Resolved.er
Denied access to site. Wouldn't let me verify my identity with camera or upload.id.
resolved now. Don't need 100 symbols.
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Verified ReviewerPayment
Tried to pay my bill and I had to first find the # and have to get a pass code and get a recording. You can do better than this Synchrony Bank
- Terrible customer communication
User's recommendation: Don't bank with synchrony
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Verified ReviewerNeed a pin no for my credit card
Didn't get a pin number. Now we need to talk to client services to get a pin
We are in our 80s and need help.
Who can help us. Please help us get a pin no for our credit card!!!
User's recommendation: Get another credit card
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Verified ReviewerClose Accounts for No Reason
Synchrony will close your accounts for no reason plummeting your credit score. DO NOT USE THEM!! Customer Service is horrible!
User's recommendation: Do not apply for credit with them
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Verified ReviewerPayment on Amazon card
The representative from synchrony Bank was amazing incredibly kind professional and was able to help me
Amazon has lost my account and can not help me for 48 hours so I cannot purchase any items or pay my bill through Amazon im so confused how do they lose my account . I was able to pay through synchrony Bank thank God
Thank you synchrony Bank the representative was amazing
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This happened to me too. They added the fee with no prior notice.
They continue adding charges after my payoff, disregarded my letter payoff costing me with fees