Synchrony Financial

I'm writing concerning my Amazon card which I have had several years with a great payment history. Within the last few months I had my payment returned for insufficient funds but I made the payment within a couple of days each time even paid as much as $500 on my last payment and they cancelled my card. So much for years and years of loyalty. I will be telling everyone I know to never use this sorry bank. They don't care about loyalty. And they never contacted me to see why after all my years of loyalty if I had some issues that caused my missed payments. They don't care.

Never have i've been so disappointed with a credit card. I want to pay off my entire balance. I have the money, but I don't want to use my money I want to put the balance on a credit card. According to them this is impossible. What should synchrony bank care About how they get the money as long as they get it. We have never been late on a payment not even five days or three days, we always made a minimum Overpayment of $50 over our minimum payment. This is without a doubt the worst credit card you could possibly get! We did it for the convenience because it was in the store. I will never use this card for anything other than shredding material for my garbage!

So I applied for credit for them over a year ago, got it, and called a few months later and asked if it would be ok to wait over a year to use the card and I was told yes. Less than a year later I learned the account was closed and told to reapply, but now they deny all promotional APR and put me in at 24% Apr. My credit score is better than it used to be, and never a late or missed payment. When I inquired they basically told me nothing they can do and they can't honor or reset the previous offer that I never used.

Synchrony has apparently built an all automated system with very little human involvement and hardly any customer service left. It is SUPER hard to get to talk to a human to resolve your issue. And, when you finally make it to talk to someone, they are no help, they keep parroting: the system tells me this, and the system says that, without being able to understand or help with a basic issue. I've had many cards over multiple decades, but I've never had one with such little customer service and disregard to the customer like this one. I guess, that's why companies keep choosing them to service their store cards, little customer service = less work force = savings for the companies and headaches for the customers.

My payments were supposedly setup so that balance was paid in full. It wasn't so I was charged interest. Customer service would not remove interest. I canceled my card immediately, they will not make one cent off me.

Getting in touch with a live person and getting any resolution to any question is near impossible. Several times once I was able to get a live person, they say hold on while I look into your account and they never come back. I have waited over an hour twice, only to not have the agent come back to the call. Also there always seems to be an issue with their credit card and the "promotional auto purchases". Never coded right and they start charging interest so you need to call to recode the purchase, which leads to them never coming back to the call. Not a reputable bank for anything.

I am a merchant that works with Synchrony Financial in order to add options of financing purchases for my customers. From the start it has been a horrible company to work with. The only reason I still do it is to provide additional options for financing to our customers. They request items you send them, and say they never received them. They tell you they received documents, and then the same person in two days tells you that they never received anything. They are apocalyptically slow at processing anything, and not one single individual I have spoken with in the merchant services departments have had any desire to do anything except get you off the phone. Not sure if this is a serious lack of training with their organization, or a serious lack of desire to do their job with individuals but they do seem to employ a vast amount of incompetent people.

I never felt the need to Review a company like this but this company is horrible. Every three months they lower my credit card usage resulting in my credit score dropping tremendously every time. For instants last month they drop my limit by $590 and a few month before that it was around the same amount. Whenever they send me the letters explaining why it says because of lack of real estate and that just Doesn't make any sense to me. Please please please stay away from this card. And to give you the grand scheme of what this card has done to my credit I started with a 720 and now I have a 582. And I have never been in the 500s with my credit ever.

This has to be the worse company to offer credit to consumers. 2nd account where I've done business with a company this time Lowe's. Perfect payment record of on time payments. My credit report shows 100% on time payments for 9 years and this place closes my account for no reason. I personally will no longer shop where businesses use this company.

This resulted in my credit score tanking. For some reason this bank closed 2 accounts I owed nothing on. I had made my payments on time for all of my accounts with Synchrony. The remaining 3 accounts they lowered my credit limits by several hundred dollars so that I was maxed out, literally over night.

I tried to call them to regain online access - it was sent a call centre in the Philippines. I said I did not consent to being recorded and the Filipino woman (clearly unempowered) said I will make a note of it. I asked to speak to her manager and waited about a half hour on hold - Synchrony recording the call all the time. I finally hung up. I think this company needs to be investigated by some black PI's and expose who their leaders are and then dox their home addresses. Maybe we could even get a dirty lawyer to file a class action suit against them but we all know what dirty lawyers suck on don't we - Synchrony Financials' largess. It's hopeless people - done game over.

They can and will change your limit depending on credit score and report.
Because of this unreliability, highly recommend staying away from them.
AVOID THIS COMPANY.
I have other accounts/ cards before, during and after this card. None had done what they did to me. Instead my other companies offered help, assistance and a sincere phone call once in awhile during my need.
This company instead will turn its head on you, even if you've been good with them.
Careened and unreliable.!
AVOID THIS COMPANY!

After being a member for years, I had an issue in my personal life and they canceled my Lowes credit card. This then caused my credit to go down and I am very unpleased with them/

Would give synchrony a ZERO! If you make an early payment they charge you a late fee! They overcharged me three months in a row... payments were never late! They robo call me constantly! They're CRIMINALS!

Got Amazon card through them. It got compromised, they blocked the card, asked me for my current address and promised to send a card.
Two weeks later I call to find out where is the card - it was sent to the old address! "we will send you a new one".
Fast-forward ten days - no card. I call. "We are sorry the card was not delivered, we will issue a new one".
WHATTTTT
If this time I don't get a card, I don't care, I will close this account.

Paid off my card, $4,000. Was told there was now a hold on my account for a week due to the payment size. I asked for a review by a person, was told that's not possible. I will be canceling my card.

We got credit cards from them and they canceled our cards without telling us and when asked if we could restart them they said no even after we paid them 400 dollars to get the accounts where they said we needed them.

NEVER use Synchrony for CDs:
- I informed them over the phone and in writing on 05/01/2023 that I wanted to cash in my CD that matured on 04/28/2023.
- I uploaded their form on 05/01/2023.
- I made an error by not selecting state tax be withheld.
- They did not inform me of this until 15 days after they received my distribution request, as I did not receive their 05/10/2023 letter until 05/16/2023.
- I corrected this less than 48 hours later.
- They never communicate in a timely manner or call back when they say they will.
- Their staff made multiple errors in closing out this CD and transferring the funds.
- They informed me by letter dated 05/12/2023 they auto-renewed the CD.
- On 05/26/2023 they transferred the funds, less a $62.95 penalty for "early withdrawal," from the CD I made perfectly clear to them i did not want renewed.
- Escalations Dept. Supervisor Kim refused to speak to me on phone. She stated, per CSR Theresa, I am completely at fault for delaying the transfer of funds so they decided to renew the CD.
- Supposedly another Escalations employee (who is a subordinate of Kim?) will take a look. CSR Theresa on 02/20/2024 said they "should" send me a letter when I asked if I was supposed to keep calling them back to check status.
- I told her I'll just start filing complaints with BBB, CFBD, FDIC, etc., which I have. She just laughed...

Care Credit is a Fraud. My husband and I went to dentist we have delta dental and decided to get care credit as a secondary insurance. Well the dentist charged care credit 3,000 for nothing on carecredit. The money was refunded and care credit refused to change payment due, even though it was done due to fraud. Care Credit still stated that the payment is due to the 3,000 fraud had to be paid. So i asked them let me get this straight you want me to pay a monthly payment even though it was due to fraud. WTF. People dont get this credit its bull$#*!. Why do I need to pay for a fradulent account