Leave a Review MySynchrony
Avoid this bank !!!!!!!
Terrible rates and policies. Horrible payment options. Only accepts limited payment options from limited usa banks. What absolute garbage company i got forced to usesprawlie80
SHADY BANK PRACTICES
I’ve had multiple accounts through Synchrony Bank and all have had issues. Whether it’s insanely high APR or as of today one of my accounts being closed without my permission!!! Earlier this year my available balance decreased significantly which I assumed was because I’m homeless. But now I can’t use the app at all and as a homeless person without a computer I have NO clue how I’m going to pay my balance off now. According to customer service my account was closed due to a payment that didn’t go through. I’ve made EVERY SINGLE PAYMENT ON TIME SINCE 2018!!!! My last payment was April 5th and they closed my account on April 9th.
I’m gonna let it go to collections because this bank does not deserve a single penny from me after putting me through more hardship. This weekend I’ll be moving in with my boyfriend and making a combined total of 60-70k yearly. Apparently that’s still not enough to keep my account in good standing. I’ve worked 60-70 hours a week for the past 6 monthsShow lessDallas Malaysia Diaz
Bogus Scam
I have a synchrony credit card and bout the card security because if you have it and are wrongfully fired from your job they can forgive the debt. Not two weeks after i was wrongfully fired with proof and was denied the benefit. Now they wont let me remove card security and i have had to make payments on multiple occasions which have not shown up on my account but have come out of my bank account. I even had receipts of payment and offered the confirmation numbers and they refused to even hear them but continue to charge me and add fees for late payments and card security. I WILL NEVER recommend Synchrony to anyone for any reason and I will NEVER use synchrony again. This is the worst most BOGUS SCAM. Not only was my debt not forgiven when it should have been but now i am being charged for late fees on payments I’ve already made AND it has dropped my credit score 400 POINTS!! Absolutely UNACCEPTABLE!! If no stars was an option id choose that!Show lessSamWiseMcDuck
Missing Accts / Can’t Use
I love having apps to streamline my bill payment process because I like to stay extremely organized. I have 3 accounts through Synchrony, so this app is very important to me. However, only one of my three accounts show up on my mobile app. I have Lowe’s, Value City Furniture, and CareCredit. Only CareCredit is showing in my app, but even then, I can’t do anything in the app and it directs me to call customer service. This resolves no issue for me in app usage… it would only get my bill paid… which I can do perfectly fine via the computer on regular internet. On the internet on my phone, the screen just isn’t big enough for me. Please help me in fixing this or direct me to where I can go to get help to fix this! If this issue can be fixed, I will gladly change my review to 5 stars, because it seems it would be easy to use if working properly!Show lessBeavisBetty
Make no mistake
I opened my no interest mattress firm account and payed on-time every month. I have another credit account with different due dates. I got the payment dates mixed up one time and payed mattress firm 7 days late. I put my account on automatic payment to ensure it never happened again. A few days after my payment my available credit was lowered by thousands of dollars, lowering my credit score 48 points. One month later Synchrony closed my account because now my credit score was to low. LOL. This lowered my credit score another 22 points. I was 7 days late ONE time. I have perfect payment history on my credit report but now have a credit score 72 points less. Be VERY careful with this company they are a predatory credit lenders.Show lessPreditory Lender
Worst bank to get credit through
I have received cards from various banks with minimal to no issues but Synchrony is by far the worst to get a credit card through. My first card I received was for Ashley Furniture which I paid off in 6 months to get the same as cash price. The day I made my last payment they send me a letter that they are reducing my credit to $200 because of my credit score. My score wasn’t any lower than when they accepted me and who can buy anything for $200 at a furniture store? Three months later they send me another letter that they closed my account. Second card I get is for tires at Discount Tires. I paid off the $700 in 6 months to take advantage of the same as cash deal. Again, the month of my last payment they drop my limit to $250. I had that limit for a few months using the card at gas stations to show use and I paid it off every billing cycle. Today I get a letter they closed my account with the same lame excuses they gave me with my Ashley account. I can see if I paid late or maybe only made minimum payments and always kept a high balance but that was never the case. I will never get credit any synchrony backed card. Ever!Show lessRAMIDAVG
Mobile app needs some work
Got a new care-credit card, my old one is still displayed on the accounts page (which is fine) but flagged red which I don’t like. So when I hit payments it gives me an error message saying they can’t service my account anymore. Not user friendly when it comes to that.
Also, I have a Lowe’s cc too, and it simply won’t add that to my mobile app. It’s displayed on the mobile website but I can’t see card or make a payment on it on the app for it.Show lessMatatutia
Cut our credit during pandemic
I've been making the effort to make sure everyone knows this. The pandemic was hard on us as was with a lot of people. I would be laid off some weeks due to not having parts at my workplace and unemployment would never pay me as my state had one of the worst unemployment situations in the U.S. with millions having to go months without receiving benefits. My wife and I both had a card through Synchrony. We were late at the most two days on making payments and it only happened TWICE. Synchrony sent both my wife and I letters saying they had canceled our lines of credit and we were still due for the balance (and of course interest.) Never had a company treat its customers like this. Anyways just watch your back with this company, I know I will never do business with them again.Show lessSimonBelmnt
Horrible company
They manage so many different companies! I spent a good year raising my credit score over 60 points. They did a review! Closed 1 card and dropping available balance on another! Destroying my credit! Slowly over a few months, I was making my way back up! Then they closed another one with zero balance, dropping my score another 20 points!
Every card has been paid on time every month!
Their excuse? We will give you a 100 reasons and you will have to figure out which one it is and deal with it!!Show lessjpbugsy76
Great App with one glaring problem.
I was totally pleased with this until earlier this year. Ai that time a store I deal with decided to discontinue dealing with Synchrony Bank. I was not happy about that. In any event, I really had no say in the matter. The problem is that the credit card in question still appears in the app after I sign in. On the website only the CareCredit card shows. I have called customer support several times and it appears that no one there can remove the closed card from B&H Photo. I can’t use it and I’d like to lose it. Thanks.Show lessMotown Steve
