Synchrony Bank

Returned a call tonight from Synchrony Bank about a possible fraud alert and temporary lock placed by Synchrony on our Sam’s Master Card. It turned out that all three transactions that Synchrony questioned are legitimate charges: one was for only $ 6 and another was for only $ 10.
While I appreciate that Synchrony may appear careful about safeguarding security of customer credit cards, Synchrony’s agent refused to honor my request to add a note on our account indicating our upcoming vacation travel dates and destinations, in order to prevent similar account locks for known transactions away from home. As I often work out of town for extended periods, I must curtail using this card, especially for future travel transactions.
If a hotel reservation is made using the card and denied, that reservation can be cancelled and then the user is stuck without a reservation upon check-​in, and the hotel will likely be sold out of rooms. In rare circumstances, this situation has happened to me in the past.
The most important moral of this story is: Don’t use the Sam’s MasterCard from Synchrony to make travel reservations.
Update: When I called, the agent promised to lift the lock on web access. The next day, the main web page with «login» hyperlink button didn’t load either from my browser’s bookmark or by typing in the URL. After wasting more time trying again and again, I made another call to the Synchrony fraud department, who transferred me to customer-​no-​service (Fraud agent’s excuse was «Not my job, mon!»)
After taking more time checking into the problem that I encountered, the CNSR agent responded that this is a «known issue» with the Safari browser; She was unable to explain why this happened all of a sudden, right after Synchrony had issued a fraud alert. (A coincidence? Methinks not.) This is just another example of how Synchrony jerks their customers around. (Soon to be a past customer, in my case.)
Honesty is still the best policy; Synchrony should try it sometime. Until then, my advice is to avoid Synchrony Bank like the plague.

Ok, how do I start… 2 years ago, I went out and got me a dirt bike and turns out that Synchrony Bank was the one to finance me… Before I was able to make the first payment, I called them up and asked to see if I could setup an account to make online payments. What is my surprise? They do not have the capibility to make online payments. They really expect people to cut checks and mail them over to them… I dont know what kind of peter pan project this «bank» is on, but what «bank» does not have the option make online payments? So then, because of their lack to be able to make online payments, I have to call to be able to make the payments over the phone, and if they are busy, I wont even get an answer which leads me late chargers almost EVERY FREAKING MONTH… So maybe like 3 or 4 months ago, I called and asked to see if I could be setup with automatic payments and they said «yes». They were going to mail me the paper work and that it was going to take 2 months for them to process. Well, I do have a wells fargo account and I also have a credit card through them as well. And guess what? I was able to setup automatic payments. I also have a Capital One credit card, and guess what? I was able to setup automatic payments. Long story short, my credit has gone down to crap because of this bank. I would never do business with them… I am rating this a 1 star because there is no option for 0 stars… Dont lose your time, money and good credit score because of this so called «bank»… NOT WORTH IT!!! I just got off the phone with them because I had to make a payment for my bike with late fees, so I finally decided to come into Unilocal to write a review… And what was my surprise? I dont think I have ever seen a company with this many HORRIBLE REVIEWS!!!

We have CDs and IRAs at this bank and are used to look up the statements each month end. Synchrony advised us the system would be down fro 6÷10÷16 thru 6÷13÷16 for maintenance. Today, 6÷18÷16, we are still unable to sign on. We called «Everything is working» we are told, but we get ‘UNABLE TO OPEN PAGE’ on both an IMAC and a Dell computer. Called every day since 6÷13÷18 and still the same non-​answer.
We are closing these accounts and will stay away from this online bank where you cannot get online access to your account

Worst company ever ! Run away ! First of all, waiting for 2.5 months to clear the title for the previous owner so I can get a real tag … 2^nd is the fact that I mail a payment every week and they say that I’m late ??? Every month, the call me … harassing me …

EXTREMELY BAD SERVICE… Had them for 1 week & already had about 8 different issues regarding the credit card… Damn shame… I will now go through & cut ties with any business that has synchrony bank.

I got this impossible bank with horrible service through J C Penny’s in Jan. 2016. I could not get their auto-​payment to work even though I have auto-​pay with all my utilities, Chase, Visa, Mastercard, and American Express. I have never had a problem setting up accounts with those companies. I tried resetting the Synchrony account over and over. It would appear to be working and then I would get a notice it did not work. Customer service was totally a joke.
I had the first late payment due from them on May 31^st, even though I went to the store and paid on the day I was notified of that the payment didn’t go through! I have perfect credit, have never been late on any bills, own my house and car. This company is a horror story. I will not ever have anything to do with the bank or Penny’s again. I wish I could give them a zero!

I had signed up in the middle of the night for emergency surgery for my dog. I never got a statement. I reached out to them the next month and found my account and made a payment. Then they ding my credit as a late payment and hurt my score seriously. I have asked for help because I never got their info and had no clue where the credit came from due to the situation. The refuse to help even after begging and pleading since I paid the account in full after the notice. Horrible customer service and rude when asking for help.

I got a call from Synchrony Bank regarding a guy who I had no idea who the heck he was. Answer the call, but couldn’t get to the customer service. Don’t answer the call, call from 8am and 11am EVERYDAY, TWICE A DAY for ONE WEEK STRAIGHT.
I spent like four minutes to actually talk to an actual person because there WASN’T an operator option.
The customer service guy was nice though. If not, I would love call this a 0 star business.

Be careful when working with this bank. They have outrageous interest and customer service is horrible. Buyer beware

Fraudulent charges on an old account. Stay away. I will remove this, once they prove to me they had a reason to charge my card.

Synchrony Bank is SCUM ! They are crooked predatory uneducated losers who steal from the consumer. They should be in jail.

Worst institution ever! I had an Amazon account and Synchrony bought it out… and even though I had paid off my balance last year, Synchrony decided to close my account at a zero balance which sent my credit score on a downward spiral! And to make it worse, their customer service just kept repeating… «well maam, we sent you a letter explaining why we closed your account» and when I told them I had never seen that letter and WHY did they close an account that was paid off and had never been late on a payment. Wanna know what the man said? «Well maam, we sent you a letter explaining why we closed your account!»
BEWARE OF THIS BANK! The BBB has a huge thing on them. Out of 600 or so consumer replies for Synchrony, over 500+ is terrible reviews!!!
That says something about a business if you ask me.

I just received a letter from Synchrony declining my application for a «SYNCB CareCredit account.»
I never applied for such an account, and never even heard of Synchrony Bank before.
Nevertheless what they did may have adversely affected my credit rating.
What Synchrony did might be described, using Synchrony’s own abbreviation of its name, as a SYN.
I suggest having absolutely nothing to do with Synchrony Bank.

I was forced to open a credit card account through these guys as a 3^rd party when I couldn’t pay for some car repairs and they financed me through this bank. To pay any sort of bill you need your account number that’s on a statement I NEVER got in the mail! Called & had them look me up by my social and it took me an hour to pay the bill. Told me they’d send the bill to my address but never did. I’m so pissed I can’t wait to get this paid off so I don’t have to deal w them anymore.

This is one of the scummiest institutions I’ve ever worked with. They make it damn near impossible to make a payment and when you make it early, they hold it and post it late so you can incur fee’s.
It’s absolutely ridiculous.

Predators. Plain and simple. Do not do business with them. In fact, do not do business with amazon either. Greedy corporations like Synchrony Bank and Jeff Bezos of Amazon et al, should carefully consider that the same deceptive, predatory and malicious business practices they perpetrate were shut down by the people of Iceland in the 2009 – 2011 Pots and Pans revolution. It is time for the American Consumer to stand up to these criminals too. Because we’ve given them too much control and that equals ammunition to them which they will just keep using until they’ve indentured all of us to the point of helplessness. DOWN WITH CORPORATE GREED! POWER TO THE US CONSUMER AND THE MIDDLE CLASS WHO MADE THIS COUNTRY GREAT.

I had a payment promotion of a deferred interest which I paid in full via transfer balance to a lower interest rated card. Unfortunately, the payment did not process until after the due date. I logged in and noticed an extremely high interest amount that has potential to continue to grow. After a good night’s sleep I decided to pray on it and call this morning. I spoke to a lady name Barb, she was very upbeat and delightful to speak with and I was crossing my fingers that she could answer my questions and help me to get back to the true amount of my bill. I explained to her how I made a $ 1,599 payment and that it posted after the initial due date and my concern was the $ 829.68 in interest fees I had seen on my summary the previous evening. Next, I explained to her that before calling her the interest amount was now at $ 949.68. She assured me that she may need to get a supervisor involved but that she would do her best to waive the deferred interest and we would go from there. Barb found the problem which the system had separated my payment and applied it to my other promotion which is not due in full until July. She updated my information putting everything back in place and gave me the new and undated deferred amount of $ 1,306 due in July. Barb answered all my questions and I’m confident she did what she could on her part. After, reading all the rates and comments on here I’m really hopefully that I can continue to report good things about Sychrony.

I had a credit limit of $ 7500 and a balance of $ 110 ($ 7390) available crdedit, and I tried to buy something online for $ 400. The charge was declined AND MY ACCOUNT WAS FROZEN. I tried to get it unfrozen and I got some guy in Asia, who was very belligerent, asked for his supervisor and he said he didn’t have one! I hung up and found some automated system that did it.
Synchrony has never offered an explanation for refusal or freeze. I completed that $ 400 purchase using my Capital One card, no problem.

Nothing but problems with Synchrony. The absolute worst automated phone system. Customer service experience was terrible. The consumer center is a joke and doesn’t have much of any information of you need to contact someone. You’ll have to dial into the horrible support and then get 5 different numbers from 7 different reps and get transfered to 9 different departments.
I am absolutely furious my account was switched over to synchrony, without my knowledge by either party I may add. I would give them 0 if it were possible.
Oh and another thing, despite entering in your correct password MySynchrony (dot)com will periodically tell you your account is locked… no big deal right?! Here is the kicker… you have to wait 30 MINUTES to unlock your account!

I opened an account with Synchrony bank through my dentist. I was having some work done, and my dentist’s office recommended opening the account to pay the balance that my dental insurance wouldn’t pay. Had I known about Synchrony’s bad reputation, I would have found another source of funds. I liked the idea of 18 months without interest, so I accepted the offer. Within a couple of weeks I received a Synchrony card in the mail, and information about their website. I went to the website and validated my account, and thought all was well. Unfortunately I was incorrect.
A couple of weeks go by and I get a couple of out of state calls on my cell phone. I don’t answer any calls that I don’t recognize, and the callers did not leave any messages. After a couple of calls from the same area code, I did a reverse lookup and found that the calls were from Synchrony, so I pulled up my account on line and found out that I was late on my first payment. No email, no statement, just calls that I was late. I go ahead and make the past due payment, and the current payment to bring my account current. Then I notice that they have added a $ 25.00 late fee. I get it, I was late, but as this was my first payment, and I didn’t receive a statement, that there were mitigating circumstances. I call customer service and got nowhere.
I don’t know if the Synchrony customer service center is off shore, or if the person I was talking to just learned English as a second language, but there was definitely a communication barrier. Bottom line they did not reverse the charge, though they did mail me a copy of the original statement about three weeks later. In order to avoid having this happen again, I signed up for electronic statements to come to my email account. Next month, no statement, no email. I go to the website and I am mysteriously not enrolled in the electronic statement program. I make the payment on time, and re-​enroll in the electronic statement program.
My advice to anyone doing business with Synchrony is to watch your account diligently and expect them to drop the ball.