Synchronybank Arvostelua 

I'm seriously considering clothing my account with synchrony the challenge is that they represent quite a few companies that I do business with like Amazon Lowe's etc. So when I close my account I think I will write letters to all the companies I know of about why I don't like doing business with synchrony and they shouldn't do business with synchrony either especially a company like Amazon and Lowe's

If I could give a 0 I would. You can pay off the balance in full on a Saturday which is the 2nd of the month and the balance say $0 and they still say you have residual even if you pay before you payment cycle and closed the account. Cycle was July 17 to August 17th.

Don't go near these guys if you can help it. You will regret it. 'Nuff said. It's like they are running a 19th century penury prison.

Someone contacted Synchrony Bank using my name saying they had lost the Lowes card and moved to Florida and asked for a new card. The bank mailed one to the Florida address and then sent a letter to my address in SC asking me to confirm the move. I called the day I received the letter telling them I had not moved. Too late. The person in Florida took the new card to two Lowes stores on Florida and went shopping . I had been paying the monthly bill on line for a long time. The day I called them about not moving I asked them to close the account. The next month I received a paper copy of the bill at my SC address showing the two Florida purchases. I immediately called and told them about the fraud. They told me to disregard the bill. I did. The next month they added an interest charge for non payment. This went on for nearly a year. It affected my ability to secure an auto loan because it showed on the credit reports. The most disturbing financial fraud case I have experienced and it was caused by Synchrony Bank. Doing fine without a Lowes card. This began in March 2019 and I finally gave up on 11/15/22. Not forgotten.

Can’t think of a worse company to deal with. I’m canceling my Lowe’s Pro account today. It’s not worth dealing with their billing department, which is handled by a third party Synchrony Bank.

Synchrony Bank is biased, prejudice and probably racist! They purposely deceive, lie and probably steel.
I applied twice for two separate and different cards months apart. I took a hard credit score Hit at the application phase, the cards were granted. Then they were closed within days again causing another Hit on my credit score! What T-- F--K!!

This bank is deceptive or maybe just the representative that came to do the windows for my house was. Activation fee? Where was that mentioned? I'm just going to pay these bastards off and not use them again.

This is the most horrible , unjust bank going , they get all of my payments, then close my account without any letters or anything...customer service is horrible, I really wish I could start a class action suit against them...I am sure there are thousands more...they think because you are minority, you can't pay your bills, guess what some of the maga employees/management at Synchrony can't pay thier bills

This credit card company is such a joke. They do not care about the consumer with 2k 1 star reviews should show that they do not care. Even if a merchant does something unethical they will side with the merchant. DO NOT get a CC with them, they will only protect the merchant not the consumer. They claim they help and protect you from fraud, but only protect the merchant.

I AM A 75 YEAR OLD DISABLED VETERAN WHO LIVES ONLY ON SOCIAL SECURITY AND A SMALL CARE GIVER ALLOWANCE
I would rather die than use care credit again
The only reason I used them my wife needed emergency dental care. I had a promotion that would save me over$500.
It expired a week before I got the money to pay over $8.000 balance on my account and they wouldn't helEEp with that.
There interest is very high ,there customer service is out of the country.
DO NOT USE THEM. READ THE FINE PRINT
THEY TAKE ADVANTAGE OF PEOPLE THAT REALLY NEED HELP
I

I had a horrible experience with their CareCredit application process. My Dentist office gave me their flyer of credit options. I spent 4 days trying to understand what went wrong after I was qualified for a loan. I was filling out the application, and I pulled the credit agreement disclosure to print and read before I signed the application, and I was not able to go back and signed. I was logged out. Then, I tried to complete another application and this time I was disqualified, and no reason given and stated a letter will be sent to me in 7-10 business days. I spent 4 days trying to get someone on the phone. When I did get a hold of a person, they were clueless. Finally, I got in a chat box with an Angela Piper and routed me to call the 866-396-8254. I called the service desk, again clueless and was unable to locate my application with the reference # I was provided online. I asked to speak with a manager. They were able to connect me with a supervisor, who was clear that she did not want to talk to me because and state "I am just a supervisor, and I have to wait the 7-10 business days to find out why I was rejected after I was qualified." She was very rude and did not care. Mind I have a credit score of 820, and I did not know I would encounter this type of service with Synchrony Bank. Never will do business with them. Very rude, lack of information, judgmental, and stressful to deal with. They waisted my time and never received an apology.

If I could give this -10 stars I would. They opened my account and then a two month later they cancel and ran my credit again and never told me they were going to do this by law they need to send a letter out before they pull it. And the customer service is bull crap. No one get this store card if it is using this bank.

This bank is awful. They basically closed several accounts with no notice. I won’t use them ever!!!

My experience with Synchrony started when I purchased a Google Pixel and decided to finance it through Google/Synchrony. My previous Pixel had unexpectedly bricked on me, and I needed a replacement phone right away while I was unemployed at the time. I thought financing through Google/Synchrony would be a convenient option. Looking back, I personally would not choose this financing option again.

The original issue was caused by a mistake on my end. I accidentally paid off the financing balance in full when I did not intend to, so I completely take responsibility for creating the initial situation.

Synchrony issued the excess amount back to me as a refund check, and that amount was placed back onto my financing account as a balance owed. I understood that I would still owe that balance because I was supposed to receive the corresponding money back through the refund check.

The problem was that I never received the first check. I contacted Synchrony several times and eventually had the check reissued. I never received the second check either.

After the second reissue, Synchrony told me to wait several business days to give the check additional time to arrive. I followed their instructions and waited, but it still never came. At that point, I was tired of repeatedly contacting them and waiting for checks that weren't arriving, so I contacted Synchrony again and requested that they void the outstanding check and reverse the corresponding amount on my financing account instead. They eventually did.

However, while I was waiting through this process, interest had accrued on the balance. A $30 automatic payment I had already made went toward that interest, and after the refund amount was reversed, I was left with another $1.39 in interest. I paid the $1.39 to bring my account to zero, meaning I ultimately paid $31.39 in interest.

I contacted Synchrony again and asked whether the $31.39 could be adjusted given the circumstances. They explained that under the terms of my account, any balance is subject to interest, so because the balance existed during the previous billing cycle, the interest was properly assessed.

I understand their explanation, and I recognize that my accidental payment started this entire situation. I'm not claiming that Synchrony's system incorrectly calculated the interest according to the account terms. My frustration is with how limited the system seems to be when something doesn't go according to the standard process.

I never received either refund check. I followed their instructions to wait after the second check was issued, and ultimately the refund had to be voided and reversed anyway. Yet I still ended up paying $31.39 in interest during a process in which I never actually received the refunded money.

I also don't necessarily blame the individual customer service agents. From my experience, they seem very limited in what they are able to do. I was told that they could not electronically transfer the refund, could not waive or remove the interest, and eventually that I had reached the last point of escalation available through chat. I was given a phone number to contact another manager, but at this point I don't feel that continuing to pursue $31.39 through more calls is worth the additional time and frustration.

Ultimately, using Google/Synchrony financing was my choice, and making the accidental payment was my mistake. However, this experience showed me how many limitations there can be when an account issue falls outside of their normal process. Something that should have been relatively simple turned into multiple contacts, two refund checks that never arrived, continued waiting, a reversal, and additional interest.

Personally, I would not use or recommend Google/Synchrony financing again. The lack of flexibility when something goes wrong isn't worth it to me. I would rather use a financing or credit option with more ways to resolve unusual situations instead of being limited to processes that clearly weren't working in my case.

They're very dishonest as well as discriminate against Americans who dispute a charge that was a misunderstanding with the other party involved. The other party reimbursed the rejected transaction from the bank as the bank refused to cancel the transaction forcing me to pay for it on top of fees is indeed credit card fraud against the bank. Shame on them they need to go find a real job instead of stealing from Americans who work hard for their income.

This review should have 0 stars. This bank is a joke. Be aware that your private information will not be secured ;they outsource to third parties overseas. Since there have been fraudulent activities on my account, they still sent me a new card with the wrong name, for me to continue to use until they can send me a new card with the correct name - wait another billing cycle. I am going on month 2 without access to my account or unable to use my card because they cannot verify my information, there is activity on a new card I have yet to receive/activate, a balance, and they encourage me use the card with the wrong name until they decide to send me a new card...again. Make this make sense. Save yourself the stress and get you a Freedom Chase CC and avoid synchrony cards at all cost.

Another Synchrony bank disaster. I know they don't care, but I'm still going to express my opinion anyway. Maybe someone else will look here before they get connected with these crooks. I opened the account because it was connected with Walmart, where I shop all the time. It was a bad idea on my part. Nothing to do with WM, only with Synchrony's scam. After my first payment my auto-pay didn't kick in, so my bill was overdue. Boom! Hit me with a thirty five dollar late fee. OK, even though I felt it was wrong, I paid the late fee and said to close my account. They didn't. I get the next month's bill, and there's a two dollar "minimum interest" fee. What the ? How is that even legal? So I called to complain. The result of that call was a warning that if I don't pay the two dollars in time, it will go overdue which will incur another thirty five dollar late fee again. So, a purchase I didn't make will become overdue and slap a late fee on it. And this is who Walmart decides to carry their brand? I guess I have to re-think a couple of things.

Synchrony Bank found the way to offer a cheap rate to mayor accounts like TJMaxx, Lowes, Paypal, home depot , etc.. the problem is their management practices are built to connive customers knowing that majority of customers don't follow their own accounts. They charge late payments without being late, stop taking debit payments to force customers to be late on purpose and their customer service speak broken English, so they can't solve any problems .Get ready for a ride .

I financed a purchase through Synchrony which came with a 12 month promotional period. I set up autopay and had forgotten the details - I mistakenly thought the entire purchase was interest free. I just discovered that was not the case and the amount of interest I was charged just negated my entire payment history and I am back to square one. Their notice that my promotional period was ending was included in a regular monthly statement (i.e. the headline of the email just read monthly statement) – it was not a separate notice or different subject line. Therefore this was overlooked. I called and offered to pay my entire balance immediately if the interest charge could be reversed and there was nothing they could do. I'm not saying I'm blameless here, but I disdain companies that sneak in warning notices, and then have zero options for forgiveness. This has put me in a bad spot, and I would have never let this happen had I known – I have an excellent credit score and credit history, but they were unwilling to consider ANY option. I would never finance with Synchrony again.

WARNING I REPEAT WARNING - DO NOT, DO NOT, DO NOT EVER open account with this bank!
This company just randomly closed my good standing account out of the blue, nothing owed closed. Spoke to rep who upgraded my credit card last week never mention closed yet wait 7-10 business days to now can't even activate to only be switched around from rep to rep to Manager who lacked no customer service skills, compassion or empathy! Never heard of bank just closing good standing customer's account. Synchrony bank can take that one star and shove it so far up company asses. CEO, Director, Corporate should be ashamed. How is this company still in business with thousands of bad reviews.