Synchrony Arvostelua 

Frustrating and Misleading Experience

I had a very disappointing experience with the Ashley Furniture Credit Card through Synchrony. After speaking with multiple agents and managers, I was given a final balance to completely pay off my card. I paid the full amount the same day I was told, expecting that to be the end of it.

To my surprise, a month later I received another bill showing additional interest charges. When I called back, two different managers told me that interest had continued to accumulate even after I paid in full — on the same day they provided the payoff amount. I was never informed that this would happen, and they refused to remove the charges.

This felt incredibly dishonest and misleading. I was blindsided by extra charges that were never explained upfront. I would strongly caution anyone considering this card to be extremely careful and make sure they get everything in writing.

I keep getting these e-mails telling me I have a letter and to log in and read it. Need my zip code first. I did all this and nothing. I don't have a balance on my JC Penney's account and it keeps coming thru this account. ????

I am giving one star, because I can’t give -100. I paid off my entire sofa purchase made through Ashley Furniture and contacted Synchrony to confirm the exact payoff amount. They gave me one value, but when I went to pay, they charged me a higher amount. Because of this confusion, I overpaid by $55, which they promised to refund.

It’s been over four months. I contacted customer service many times via chat and phone. Each time, they told me the refund was processed and that I’d receive a check within two weeks. But nothing ever arrived.

This issue is still unresolved. No one takes ownership, and the service has been completely unprofessional and disrespectful. All of this over a simple $55 refund that should have been handled long ago. I do not recommend using Synchrony.

I heard from Synchrony's appalling lack of customer service. They claim to offer services, but when you actually need them, they're nowhere to be found. I've paid for services and insurance, but it seems like they're just collecting my money without any intention of providing the support I've paid for.
DO NOT GET A CREDIT CARD FROM SYNCHRONY
DO NOT ENROLL IN THEIR INSURANCE PRODUCTS
Their business model seems to be all about taking your money without delivering on their promises. I'm extremely disappointed and frustrated with the way they've handled my account. If you value good customer service and actually receiving the services you pay for, stay far, far away from Synchrony.

I give them 0. Customer service is horrible. Anything that goes wrong is the customer’s fault. I was told that my incompetence with “video selfies” was the problem, not them. They reminded me over and over that the conversation was being recorded. Good. I was stressed because my card was blocked, but the agents refused to help me until I made a “video selfie” which is not possible from the directions. I cancelled on the spot, got argued with, told I’d never have an account with them again, and then I was charged with a cancellation fee.

I used Synchrony to finance a sauna, the promotion expired and their interest charge is 100% of your balance, which they don't say or mention anything.

When you sign-up they don't actually call this out and don't send reminders / or anything else, which you would think would at a minimum, they would send some kind of reminder, but they don't send anything.

Synchrony says it values its customers, but it doesn't seem like theres any type of customer service if they're charging customers 100% of their balance and telling the customer that they should have remembered their terms from more than a year ago. Especially in this economy where layoffs are happening all the time, there's no humanity or basic decency compared to other lenders.

What a troublesome website - I HATE the fact that you have to sign up for paperless billing or pay a fee. That is blackmail and a dirty business model.

when i wouldn't succumb to their pressure to agree to a fraudulent late fee charge, they sabotaged my credit rating to the tune of 100 points!! There is no low point that these "bottom feeders" won't sink to!

HORRIBLE experiences with their customer site for Synchrony Home - EVERY month I have to spend a LOT of time trying to get past automated ding dong to get a LIVE Rep on the phone to get online to pay my bill. EVERY month they help me and within a couple weeks, right back to telling me my inforation does not match or is not valid - Try to get in on the page for pw reset and asks for ss# and birthdate = Keeps giving me msg my info does not match their records - Pretty sure I know my INFO at this point in life! JUST got a letter in the mail that looks like a promo fee of 2% is going to appear on my account .. The purchase I made was 0% interest for 36 months - The Reps I get on phone are fine - Except one on a particular day - told me he couldnt help me access myt account - The others have been helpful and it is VERY APPARENT they too are FED UP with the lousy website that ends up with customers calling and getting them fuming and frustrated =I feel bad for them - Is not there fault - SYnchrony Home needs to clean house on their website peeps that must be just going to do a task to collect a paycheck with no care for how sufficiently it operates or end user shoes - This is the ONLY website I EVER have issues with getting into to make payments and check my account. And it literally is EVERY MONTH - Even AFTER the previous month a REp helped me make my payment over phone.. Never have ANY issue w Paypal - This division - Needs someone to give a damn about the people that feed $$ into it to afford people jobs and paychecks - that make the site that is so dys-functional.

The rewards are bogus. I selected a virtual gift card. I go to the store and they did not honor the card. I called Synchrony and was basically told it's not their problem but to get with the store. JUST A RIP OFF

I don't know what is Synchrony's problem but they gave me a $1,000 credit card I've been making my payments on time and doing extra payments so in the middle of March I decided to put $400 down to my card just 2 weeks later, today to find out that they reduce my credit card credit to $600 then what was the whole point of making up for $400 payment for if they decided to mess me up, I called them so they can tell me I have too many credit lines open, like is only 4 cards and all in good standing accoring to my credit report! So just because of that they decided to lower me to $600 credit line that's stupidity and I'm going to cancel this card

Been a credit card customer more than two years. Agreed on a $5300 credit limit. Paid my bills on time or early…just recently paid them $1600 over the past 2 months and I find out today when I checked my acct online that they slashed my credit by $1800. This is the second cut in two years. No notification or anything. When I called customer service she read the script and basically said that my real estate equity was insufficient. I sold my house and property 3 years ago prior to ever having an acct with them. I would understand if I was late on payments or something… I have never missed or been late the entire time I was with the company. Will just do a balance transfer to one of my other cards. This bank is not customer friendly at all. If I could give zero stars… I would. Oh…and customer service rep said that I should receive the letter of explanation in about two weeks. They have no problem emailing my statements and reminders for upcoming payments… but fail to see the importance of telling a customer that there credit line has been decreased by 33%… who has paid his bill on time for 100% of the time. They are making their money… and obviously that is all that matters to this company

I am deaf and Synchrony refuses to help me update or access my account without forcing me to call them. I dont have a tty device. This has happened several times with several agents on chat.

I opened up an Amazon store card account and have had nothing but problems since. First, they temporarily froze my account for making two payments in one month. Why on earth would they penalize me for making payments? Next, I decided to pay off the card in full. Synchrony responded by cutting my credit limit in half! In what sort of bizarro world does paying off one’s debts result in penalties? Customer service reps have been rude or indifferent. One rep I spoke to honestly sounded exhausted - like she knew she worked for a shady company and had just about had it with covering their butts. After the arbitrary reduction of my credit line, I went ahead and canceled the card/closed the account. I’d avoid Synchrony’s Amazon store card at all costs.

So I have amazon synchrony card, and i just found out that the synchrony bank is doing something that looks like a fraud and scam to me.

So I use their offers of 6-12 month equal monthly payments to my big purchases, which are sated to be interest free.

When I looked at my statement today, I saw the interest charges.

After talking to the customer service with the agent and the supervisor, I found out that synchrony not providing the full amount to pay in the statements to avoid the interest, so the minimum statement payment amount doesn't include the promotional purchases balance of 6-12 months, which are STATED TO BE INTEREST FREE into my bill.

So this way they manage to charge interest on the purchases that are supposed to be no interest payments over time.

The only solution to avoid interest is to call customer service EVERY MONTH and ask them how much I actually have to pay each month in ADDITION to the statement balance to avoid the interest fee.

In addition, all this information is not available on the synchrony portal.

They actually just send you the paper statement and the email. The email just has the minimum payment and due date. Then, I have to call to the customer service to find out how much i should add to the minimum payment in order to avoid the interest charge.

Isn't it like a scam & fraud of promising people interest-free payments, then providing them the balance that has them incur interest fee???
Isn't it stealing money of millions of people, which has been going on for years?

The customer service supervisor of synchrony bank stated that a lot of people that call them are angry about it and the agents raise this issues to the administration, but I guess the administration just ignores it.

Great job synchrony!

Maybe I am going to make it public...

They cut off my card again. I have been a customer for many years. Cannot reactivate. Their stupid system won't scan bar code on DL. They promise to send me a letter in the mail - they don't. I sent them a letter with all my documents and details. Nearly 3 weeks and no response. Thing is, they owe me over $600 in rewards and will not release. I think they're either total scam artists or thieves. I owe them nothing. This is not the first time they done this to me, but it will be the last. I applied for another card from a bank and was approved in 3 (or maybe 2) seconds. A warning to all stay away from this card no matter whose name they represent. If it's associated with the name Synchrony, look elsewhere. GE are well shot of this one time business of theirs.

Please pay attention to these reviews. I read them all and then still moved forward and was attempting to get a care credit card to pay off my dentist for dental work... And it did exactly what the first review said.. They supposably pre approved me and baited me in into giving them all my information.. And then denied me for it all.. Please don't make the same mistake I hope this is one of those blessings in disguise..pos synchrony

They are definitely a scamming agency to capture your data, then not approve you! I have a credit score of 807, my home is paid off, no debt and a good paying government job and I got denied! After reading the reviews, I am glad I was not approved, because I see they ruin your credit by not processing your payments etc.

If they are looking for an award for the worst technology available, they have clinched first place. Specifically, their AI can not read the images it asks you to take.

I was trying to make a $1,200 purchase on the Lenovo (computer) website. Lenovo uses Synchrony Bank for their "spread the payments over one year with no interest" offer. The requirement to use verify.syf.com in this transaction killed the offer for me. I simply don't trust Synchrony Bank AT ALL My previous experience with them at Amazon was horrible, so I'm not voluntarily getting involved with them again. I think Synchrony's business model relies on sucking people into transactions that are almost guaranteed to fail one way or another, resulting in the Bank assessing usurious interest rates and excessive fees. My STRONG advice is to stay away from Synchrony. Stick with traditional banks and credit card issuers who are relatively transparent and who offer straightforward financial products. If you go with Synchrony there's an extremely high likelihood that you'll get burned and regret your decision later.