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Synchrony Financial has a rating of 1.1 stars from 128 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Synchrony Financial most frequently mention credit card, customer service, and good standing problems. Synchrony Financial ranks 170th among Loans sites.
I just won't recommend them to no one! My monthly payment is $28 but I get charge $40 for late payment. When you are ready to make a payment they are unreachable. And they also keep blowing your phone... it actually a true nightmare with the credit care synchrony bank.
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.
So, I found out on Friday that my account with Care Credit had been closed with no notification from Synchrony Bank via email, text, call or mail. I didn't understand why and called them on today. Synchrony Bank closed my account in June 2022 that I had with them for over three years, with no late payments ever, no payments due ever, and nothing owed to them at this time based on a credit report that was received by them from Transunion. I asked the representative why did Synchrony Bank pull a credit report on me after having been with them for over three years, the representative stated to me that Synchrony Bank automatically receives these reports every month from the credit bureaus and based on what Transunion stated they denied me credit and closed an account that had been open and in good standing with them for over three years,. Did you Synchrony Bank forget that everyone is suffering from the fallout of Covid 19 and still recovering and I am still trying to find out how they received a credit report when my account has a fraud alert on it from the breech of a certain credit reporting agency and had a freeze on it? Neither Synchrony Bank nor Transunion had permission to access my account without calling me (Transunion and asking my permission if my credit report could be accessed by any company, so one of these companies also broke the law, that is criminal. I also stated to the representative why I didn't receive notice of this decision via mail, phone, email or text from Synchrony Bank, the young lady stated one was sent out, I stated to her no, I never received any type of notification from Synchrony Bank stating my account had been closed, the representative stated to me that she would email me one today, I stated to her, no, I didn't want it, it was to late for that now, I already new. I want to say to you Synchrony Bank, what you did was criminal, dirty, underhanded and sneaky, if this is the way you treat loyal customers after over three years I want to warn and let anyone and everyone know that based on your character and treatment towards me you are not worthy to be in business, your account is closed.
Tip for consumers:
So, I found out on Friday that my account with Care Credit had been closed with no notification from Synchrony Bank via email, text, call or mail. I didn't understand why and called them on today. Synchrony Bank closed my account in June 2022 that I had with them for over three years, with no late payments ever, no payments due ever, and nothing owed to them at this time based on a credit report that was received by them from Transunion. I asked the representative why did Synchrony Bank pull a c
Products used:
Care Credit
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