Synchrony Financial Anmeldelser 

Buyer beware! I bought two high end mattress from a mattress store. They would not discount one of the brands, but they could give you 60 days no interest through Synchrony Bank. I thought why not. Big mistake! I set up the bill pay to electronically, so no US postal involved, deliver the payment 2 days early. Somehow Synchrony didn't post the payment, and charged my a late fee. I called their automated system and it waived the late fee. However, for some reason my minimum went up, so I was short paying them. I try to set things up so I don't have to worry about monthly payments. Meanwhile in a few months I have a payment of $86 more than what I should pay. I called and complained. I'm paying the penalities and going to pay my bill 10 days early. Hopefully this works. THIS IS NOT A BANK YOU WANT TO SET THINGS UP AND NOT STAY ON TOP OF.

Synchrony Bank has a pay later option in checkout for Lowes Home Improvement. Back in November I financed two windows on separate pay later loans. Then I ordered a set of storm doors. About a week before they were set to be delivered I noticed one was the wrong size so I had to cancel the entire order. Upon making a new order the cart transaction failed after the loan was approved, and CS at Synchrony told me there's nothing they can do, it will be 28 days before the loan closes out. I won't be required to make any payments but the loan still appears active on my account. Same goes for the cancellation. Now 5 weeks later I've paid off the other two existing loans but all 4 loans appear active on my account and for credit issuing purposes. Therefore Synchrony now denies me any more pay later loans so apparently this is no longer a viable payment method for me and I cannot purchase new storm doors, at least not using Synchrony Pay Later. CS chat is uncooperative in regards to this matter and each representative gives me a different story... and apparently I'm now dropped into a black hole as nobody ever comes online when I choose connect to Live Chat. They need to take this payment method offline
until they get the issues resolved. I'm not out any money, however I was initially approved for two storm doors but because of the cancellation and the failed cart transaction now I can't get a new approval and have to put off my storm door project until I can come up with the purchase funds from another payment method. Very disappointing. PayPal Pay Later never operated like this, however that payment option is not available at Lowe's.

Best place to work

Had a Lowe’s consumer credit card

They r violating FEDERAL LAW enacted BECAUSE OF sync's predatory lending practices. They even admitted they were doing it again. I asked them 2 do "something" and they said they needed to follow Fed law & I said yes, doing "something" IS Federal law & by not doing "something" they are violating Fed law. Did they care? OFC not!
I have decade+ experience w/ sync, they used 2 b decent & certainly ezier 2 work with. Now this is not the case, they will be DARNED SURE to catch u in their 'gotcha' trap. They will DESTROY ur credit. Apply for credit? the ding points for hard inquiry have increased w/ newer versions of FICO (pre-approval is different than actually applying which is ALWAYS hard-pull, then they give u only enuf cred to make ur purchase, maxed out card? credit-straight to the garbage can! U pay it down, does ur credit go back up in relation 2 the pts dropped? NOPE. Then depending on the brand of synch card, don't use it a while & card closed BAM credit score drops AGAIN. and this time it's on ur active record for TWO YEARS plus!
Use affirm, pay the interest, do ur best to pay off early (currently doesn't report). Use Comenity, more options coming out, USE THEM, even if u gotta pay, remember, u get what u pay for and with sync, you will pay in the end. Inform ur local business owners sync is once again engaging in predatory lending practices (they NEVER know this). Take ur business elsewhere if at all possible. Vote w/ ur dollars. Ur NOT trapped. There IS another way, it just takes diligence. Use search engines like neeva to find alternatives, keep searching somehow other than google (he who pays the most wins the displayed results). Discover is offering various loans now at less stupid rates than their competitors. Even if u have to pay a bit of interest, it beats sync who will not divvy up ur pymt properly and stiff u for thousands when ur time expires, and will do it in such a confusing way that u need to b a mathematician to figure it out. If u have more than one charge per card, u have to track your own charges and payments. I have over $40K in credit available to me with them & dealt w them for 10yrs. Plz blieve these guys suck and are criminals.

Wish I could give negative stars to this company. The more I learn about them the more I am dumbfounded they are still in business. Horrific customer service, predatory and scammy business practices. They’ve been sued more than once for these issues and lost, which says a lot. Personally, they have given me the run around on unfair late credit card payment fees (due to issues on their end), for a customer making more than the minimum payment every month, on time/no missed payments. I hope it was worth their copy and pasted fake reply to my complaint, because they’ve lost every customer in my family and I will make it my personal mission to ensure as many people as possible do not do business with them. Do yourself a favor, read these reviews and then go make sure your store credit card isn’t with Synchrony. If it is, pay it off and cancel it immediately. You’ll thank me later.

I got a credit card from Synchrony because of Guitar Center. I made some purchases and paid in time for the first year and then I did not purchase anything for 13 months. Between that time my credit score went from good to excellent and instead of them giving me more credit they decided all of a sudden to lower my credit. That was reported to the credit bureaus and ended up lowering my credit score.

I called Synchrony asking them to review their un-called act against my credit score. I told them that if they feel like customers not buying is a way to measure the credit amount this should be mentioned when I first got the card and also before they do such act they should inform me, maybe warn me that I need to buy something. I only wanted them to bring my credit to what it was before and report the credit bureaus so that my credit score would go back.

It took them a month going up in their scales of decision and finally I got a message from Taylor Wiley (Corporate Specialist, Consumer Relations): "We understand that the lowering of your credit line might be upsetting or inconvenient for you, and we regret we had to take this action, especially since you are a valued customer. Our position remains the same. We regret any frustration this matter may have caused.

I would like to make it clear that this is not about the money or the points, this is about customer care. I took time to show them that I was frustrated with a decision and that they could review it to keep me as a customer. My credit with Synchrony was 5,000 and they lowered to 4,000. My overall credit with all my credit cards are more than 200,000 so 500 dollars makes no difference but I only want to give my business to people that care about it. Unfortunately I will have to stop buying from guitar center because it's their partner for financing. Hope that GC finds a bank that takes care of their customers as they do, then I can go back to them

I do not recommend anyone use this company!! I got two cards one is the synchrony home card, and the other is the synchrony care credit card. I work for the government so have a good income and pay on time. They do offer you the 0% Interest, but you have to be very careful to watch your account, so the payments are posted to the correct balances, so you don't end up paying the interest, then they lower your credit limit if they see you are not stupid and do watch it. They want to make money and they only make money off people they can take advantage of; they also give you very low credit limits and refuse to raise them. You may as well pay cash. Credit is overrated, it used to be that they gave people decent limits and were not stingy in raising the limits, like Kohls who have a good credit card. I think everyone should stop using credit completely and just pay with cash, then these users and the credit bureaus would all go under, the world was much better off before both were introduced into our economic system things have been bad ever since!!

They suck we make payments on our care credit for them to call us saying payment didn't process when in fact we call and our account says payment went through. They wait days to process payments which is not ok because they screw people financially and because of them got a $30 return fee with my bank after it showed payment was processed . We will be closing our card with them. You can't even get ahold of someone when you call.

I was approved for an account. Paid off EVERYTHING on my account, never made a late payment. Even made additional payments when I was able. Not even a few months after paying off my furniture, they CLOSED my account stating I’m inactive and re-running my credit without my approval. When in all reality I was going to purchase again, but there clearly needs to be time in between large purchases. This overall affects my full credit score and it’s completely unacceptable!!!

I realize my credit score is low but how can I approve my credit score if this ridiculous bank want approve me for certain credit cards. Their % rate is through the roof!! 25.99% synchrony bank the consumer is not stupid why not just say 30%! As*who**!! I’m going to hit every major review platform and ALL social media websites. Your customer service sucks to boot!! Go to CH*M* people then maybe banks will lose enough money and will learn how to treat their customers!! 😡

Synchrony is the consumer finance company behind a lot of store cards. Their trick is to advertise no-interest, deferred payments, which, in my two experiences (at Rooms-To-Go Furniture and Lowes), have always been scams. At Lowes, they offer 6-months/No Interest payments on large purchases with their card. The problem is, they just apply your next payments fully to the promo purchase and leave your other [non-promo] purchases hanging, which of course dings your credit. I think it's more incompetence than intention, because why would a finance company ruin their reputation like that? Now, I just use my other credit cards and throw away the Synchrony cards.

Uses their own credit score but does everything they can to dodge the question or responsibility. What a scummy company.

The worst thing about any store card is when they use this bank. They have awful user experiences when it comes to managing your account. No automatic online account notifications when opening a new card. Non mobile friendly emails. No mention in statement email about auto-pay. Mobile app can't be used with any store account so it's useless. Website lacks important details.

They have no regard for the law.

They called me once to discuss my debt, over my car's speakers. No matter how much I told them "there's someone else in the car and you're not allowed to discuss my debt with them present." They kept going, talking over me.

They call during work, despite how many times I've told them not to, and they've even contacted friends of mine over the same debt.

Even worse, they got me to agree to pay them 300 bucks over the phone. But they took 1000.

Very shady company. do not get into any business dealings with them whatsoever.

They have ability to dive your credit and did so at the start of the pandemic by lowering my accounts' limits to account balance. I was only using 30% of available credit. They then reported - even though timely payments on zero interest account - that I had not paid off my accounts prior to special offer expiration. They then declared I had no mortgage reported as if this was a new event. (Same conditions as when initially applied.) This adverse action letter was sent in May and was retroactive to Feb. Couple this with a chain reaction of the illicit credit diving spread across 3 credit bureaus and all other accounts were reduced as well.

Do not take the zero interest financing offers such as PayPal and Care Credit (medical financing), they are a Synchrony product. Amazon is one too. They partner with many merchant accounts and no matter how it is submitted, you will NOT receive the zero percent 24 mo financing. It will expire in 6 months and by the time you find out, you will have no recourse. It appears the merchant has no way of correcting any errors and does not control this bait switch financing.

I want to leave a 0 review! They went in and re-run my credit without permission, which is a violation of privacy. Then after I had paid off 60% of my card, they decreased the damn limit to report to the credit bureau that I had not paid off my card. I tried to talk to someone named Richard who was an account manager and didn't seem to want to help me other than saying that they would run my credit again. Mind you it had already been hurt by a negative rating on that card so now I am extremely upset with this company. I recommend that you don't ever use them they suck! They hit you with a huge interest rate and then do this! I am paying the whole limit off and boycotting rooms to go and their credit card company SYNCHRONY!

The worst bank ever , don’t get any of their credit cards .Worst customers service ever, they are unprofessional and they will reduce your credit limit without any notice and ( or close your account for no reason )even if you are in good standing and have a perfect score .

What do hemerrhoids and this company have in common? That's right- not too hard to figure out, a PAIN IN THE A**!!!

God Awful I could write an entire novel of how sleazy this corp. is. Multiple hits on credit score if u apply for a card, encourages you to apply for cards and then subsequently does not approve them, makes it near impossible to file any appeals. The last time I had to FAX a letter was like, 1992.

They bought out PayPal and I have been on hold for hours multiple times, just getting booted from one department to another. Similar deal when I was late on another card account by 1 DAY. 1 DAY for $38 MIN PAYMENT, and THEY REFUSED TO UNDERSTAND. They have no compassion for missing by 1 DAY.

PayPal Credit AND PayPal card, both denied, and hit credit score an extra time each time. I have given up trying to reason with these numbnuts, I figured I'd just vent a complaint through here to encourage any customers to STAY AWAY AT ALL COSTS.

PayPal Credit has NO CUSTOMER service like they used to, and their reps thru regular pay pal are rude. One had the nerve to *** interrupt me when I was speaking. Only reliable source is a "help" page on their site telling you absolutely nothing useful.

Their customer service is unbelievable its so awful.

Phone centers harass you every ******** day if you are even late payment a few days. Down right harassment. They absolutely s**k at life.

DId I mention they changed the due date for one account without my knowledge?

The only thing this slime ball corporation does is r_pe your credit score and charge exorbitant interest rates. DO NOT BOTHER.

ONLY is this is the same company as Synchrony Bank financial.

When you faithfully pay your bill on time and they then REDUCE your credit limit for no reason. Many complaints about this on BBB so apparently I'm not the only one