Synchrony Financial

They look real and very serious until you gave them a try. They will ask you ton of documents to prove your identity until you get tired to do so. They suspended my withdrawals as well as my balance of $*******. Stay away from HitBTC because they don't allow withdrawal after you deposit so it will be wise to rather invest in a more competent company lik tradecrypts. C -o+
M which offers:
- Insights to navigate complex crypto investments
- 10% instant bonus on every investment, withdrawable to your wallet
- Free consultation for registered members

Synchrony is horrible! Do not get any of their credit cards! They don't like for you to make payments before they are due. They hold your payments, even on Electronic Bill Pay, and will not put it back into your availability to spend. They can not receive those types of payments unless you have the money in your bank to cover them. Seriously? They are waiting for them to clear? Amex and BoA doesn't do anything like that. Watch out for this if you are planning on using your card(s) for holiday shopping. Also, their customer service leaves much to be desired!

I Have multiple CC accounts with them, 1 was for PC Richards, they over charged me interest, on a promo that expired. I would make extra payments a month and pay 4-5 hundred dollars more than the minimum due. I would call them to have that extra money go towards the high interest bill. Total amount of purchase was $1518.00 dollars. In 5 months, I sent them over $2700. Towards that charge. (That does not include my regular payments towards the bill). But these jerkoffs, never put it towards the high interest charge, they put it towards the interest free charges. EVERY month I would I see more interest on the bill and that amount not going down. SO, I would call and complain. EVERY TIME, so sorry didn't know, I'll try to fix it. NOTHING...So, I finally got fed up with them, took out money out of my retirement, and paid them off. I overpaid the total balance due. Just wanted them paid off. These clowns, cashed my check, and held the overpayment refund for 30 days. After 30 days they sent me a check for $200.90, saying I overpaid, here is my refund. NOW, my balance should be 0$ correct. HAHA, NOT WITH THESE SCAMERS. Just got a bill for $2.00, for Interest on a 0$ balance account. PLEASE STAY AWAY, PLEASE TAKE THIS ADVICE, THIS IS BY FAR THE WORST BANK EVER TO DEAL WITH. IF YOU DO USE THEM BEWARE...

No matter what number one calls, it is always answered by same STUPID computer. No way to get to a real live person! So relieved that I will never have to do business with them again! Just like this review. Have to jump your hoops

This company is absolutely horrible with communication. After the amount of money I have spent with this card, they cancelled my card for non use without notice, devastating my credit score. There are too many other options, advise you to get a different financing company

This is the worst bank that anyone can deal with,they give u a credit limit on 4 different credit card and if your score drop by 3 to.5 points they don't tell you they drop your limit down from 4000 to 250 and 100 dollars and wait until 30 to mail you a letter so whoever read this I suggest please don't use this bank for anything find a different bank and plus since they drop.your credit limit your score will.drop from 650 to 550 behind this bank

I have had several accounts with Synchrony bank, all my experiences have been horrible. They will arbitrarily lower your credit amount or close your account, even if you have been 100% on time, and pay off your account. They claim that Trans Union is reporting that we have too much dept, high balances, and little credit. However the opposite was true with us. We have an 830 Fico Score, our credit report with Trans Union shows we have $100,000 available in revolving available, less then 5% in balances on that credit. They are liars, untrustworthy, the worst bank I have ever worked with in 50 years. DON'T USE THEM!

They do not tell people that their is a 6 month period to pay your balance or you are charged an extra 65 percent interest in contract. On top of that they do not tell tou that if you are 2 hours late on payment you be charged 30 dollars and if your late again it will go up even more. Evil company do not go through them.

So their auto-withdrawal function doesn't work, and their intake staff on the phones or chat aren't trained or have interface to address it (so their machines won't take your monthly payment and it'll also be held against you). In the year 2023 I had to make manual monthly payments to avoid the drama. If you need the credit take it, but if you have the time/space to look for other credit lines (look for them; there are better organized banks).

Customer reps hangs up if they don't know how to help. Online system won't let you log in. Can't get help on customer service without know EVERYTHING you need that's in the portal but you can't log in. One big circus dealing with these people.

Absolute worst customer service in the world. They make billing mistakes, charge you interest and late fees associated with those mistakes and then refuse to correct the issues. They make money off of the card holder by way of false interest and late fees. I canceled my card immediately. Beware of this company.

This lender has lowered my credit on two occasions. I had finally gotten my credit up to good standing after going through a divorce where my ex-wife ruined my credit. I got remarried and lost some weight and went into a Belk's to get some celebratory new clothes. They asked us if we would like a card to establish better credit and we agreed. Initially, they gave me a credit line of $800.00. We spent $300 that day and got some new clothes. When I got home, I set up the account and automatic payment. For a few months, I made payments on the account and brought the balance back down to $550. Then I got a letter from Synchrony Bank stating they lowered my credit line to $550. Then, because of what they did to me, my credit dropped 40 points into needs work. I had never missed a payment, on this card or any of my credit accounts. I called Synchrony Bank and they did nothing. I also called the credit reporting agencies and though the agent was validating, they could do nothing. It took several months to get some of my credit points back. Then, this morning, they lowered my line again to just over the balance I had paid down, to $466.00. I am going to pay off this card and never use it again or shop at Belk's ever. Do not apply for a Belk card because Synchrony Bank is a predatory bank that messes with people's lives through credit. Buyer beware.

They really could care less! They must get enough money just long enough to screw you over. I have never seen such a confusing inhospitable site. They prey on those who cannot figure out what they want. Won't even give suggestions. DO NOT USE!

Been paying my bills for months now with the same checking and all of a sudden they got the wrong checking account number been going back and forth for over a week the bank web said he found one digital off so because we caught him in a mistake they shut down my Visa the bank rep I talked to is a joke account paid in full and still got close

Their website is abhorrent, engineered to be as frustrating and difficult to navigate as possible. It logs you out repeatedly and constantly has technical issues. They hide information about pending interest charges from clear view, duping you into paying more money over time. Horrific customer service. Just downright awful.

I am deeply dissatisfied with my experience with Synchrony and their Credit Security Service. In April 2021, I opted for a financing option for my new Air Conditioning system, and it has turned into a nightmare.

Automatic monthly payments of $285 were set up, and I recently discovered an unauthorized balance of $4,268.37 on November 13,2023. Shockingly, Synchrony had enrolled me in their Credit Security program without my consent, charging an outrageous $159.5 monthly fee—more than half of my original loan payment. This fee accrued interest at 26.99%, resulting in an unjustifiable balance.

When I contacted customer service, they claimed I had "opted in" during the loan application, a fact that was never clearly communicated. Despite my objections, they offered only a partial refund of $1,785.89, insisting I bear responsibility for the remaining $2,482.48.

This resolution is unacceptable, as I never willingly enrolled in or desired the Credit Security Service. Paying the contested $2,482.48 under duress is my only option to avoid further interest charges.

I urge others to be cautious when dealing with Synchrony, as their unethical practices have had a severe impact on my financial well-being. I've filed a complaint with the Better Business Bureau and requested an investigation with the NJ Department of Banking and Insurance to address potential deceptive practices.

Consumers deserve transparency and fairness, neither of which I experienced in this situation.

I have a good job, I pay all my bills. I actually worked on my credit score and brought it all the way up. Any type of place that has a credit card is owned by synchrony bank. I filled out applications for two separate places. Both denied due to. To many inquiries, no retail credit, how the $#*! am I supposed to get retail credit if every $#*!ing place is under this $#*!ed up $#*! bank, then it was also not enough time in between your last delinquent payment. But everything on my credit report has been paid off! You know why there are inquiries because I actually fill out applications. But if they are attached to this bank you won't get $#*! it's actually sad! I'm wondering if I can go to the Better Business Bureau. It's been about 2 years before this incident. Before I was denied because of my credit score. Now that I've brought it up, they have new ways of not issuing credit. $#*! synchrony bank!

Unfortunately, many companies have specialized credit cards through synchrony bank and I've had probably close to a dozen over the last 25 or so years, most recently through Discount Tire. My purchase was supposed to be 9 months no interest, according to their promotion however, all I got was a 25 day grace period. I have never had a positive experience with this bank, not ever. When will I learn?

Many, many times I cannot log in to the Synchrony site to pay a credit card bill. No matter if it's the same one I've been using for years, I keep getting "Access Denied" message. They seem to have taken over so many of them and that makes the situation even worse.

I'm disappointed in synchrony bank! Absolutely NO ethics or integrity. I've received $120.00 in late fees for paying a day late. Most banks give you a couple days grace period. They even told me (afterwards) if I pay a minute late or a $1 late, I'll receive that fee, Really. God in heaven please help me pay this card off & never again. Thanks synchrony, I was wondering why my credit score was lower. NO Morals!