Synchrony Bank (Formerly GE Capital Retail Bank)

Stay away from Synchrony Bank
Synchrony Bank offered the best interest rate when I needed a loan so I chose themI did not realize they do not offer online bankingI have been sending checks in the mailRecently, one was lost, either in the mail or at their officeSynchrony bank called my house times, in eight hours, looking for paymentI was at work when the first few calls came in and had returned home to answer the 4thI could not believe they were repeatedly calling to collect, just two days after payment was dueI can't imagine what they would do if I lost my job and couldn't make a paymentIf their collections measures are that extreme when a payment is two days late, I can't imagine what it would be like if I was in serious financial troubleDon't do business with them if you have a choice

I have had a wal mart card and a lowes card for years, I have always made my payments on time, now out of nowhere every time I get my cards paid down they take my credit away with no explanation, little by little lowering my credit limit, my payment history with both cards is flawless and still they take the credit away, this is the only bank I am involved with that penalizes you for good credit and good standing and payment history, stay away from this Bank they do not deserve good customers

They charged me a late fee, my due date was the 12th of the month, they received on the eleventh and it came out of my account on the twelveth but they said you have to give them a day processing feeThat to me is fraud

There is something not right about Synchrony bank I bought some goods on Amazon and applied for Amazon credit about a year agoI don't recall seeing the name Synchrony anywhere on the siteSome months later, emails from Synchrony bank showed up in my spam filter Since I had never heard of them, I saw no reason to retrieve them Unfortunately, they turned out to be Amazon CC bills The first I knew that was when it showed up on my credit report as an unpaid bill to AmazonI contacted Amazon and was told I owed them nothing somehow, I found out that Synchrony bank, that was associated with Amazon and remembered seeing them in my spam filter I was able to track them down and paid what was due, but they messed up my credit I called today to cancel my account It was all done through auto voice, no human at all I would recommend to anyone to stay away from this Bank, and it will definitely cut down my shopping on Amazon

I have had my Amazon.com store card for awhile now and suddenly my account was just droppedI had a payment that was returned by my bank because I accidentally noted the wrong bank account when I made the paymentWhen I caught the mistake the next day, I immediately made a paymentMy reward? My account was closed without any prior noticeMy credit is dinged, and I had no warning or opportunity to remedy beyond paying as soon as I was aware of the problemI spend thousands of dollars a year on textbooks for my kids who are all in collegeNot only is Synchrony dumping me as a customer, they are hurting Amazon as wellLike other reviewers, I don't want to shop with a company that would use such a bankI only wish I had read these reviews before I had signed up with the cardI'm done with Synchrony and I'm done with GE period and I'm done with AmazonGood jobIf customers are disposable, so are corporate thugsI'll be shopping locallyI'm paying off the card completely this week because I won't pay them a penny more of interest than I have toAfter reading about all the fraudulent charges on here, I'm going to go over my statement with a fine tooth comb as wellI will tell everyone I know to avoid getting an Amazon card, because it's not worth the hassle

This bank is the most worthless company I have ever had to deal withI never write good or bad reviews but, I am going out of my way to make oneI have never had so much trouble just trying to make a payment over the phoneWhen you finally get a hold of someone after multiple tries trying to talk to a person, you can't understand a word they say and they are not helpful at allI had a couple late fees just because I had no internet access and could not pay over the phoneAnd now that I went out of my way I seen positive reviews, neutral, and make this negative reviewsTake a hintI really hope this business burns itself to the ground

We are a merchant that offers financing through themThey froze our account and are holding our money because they we missed authorizing the feeAsk to have resentThey will not work with me on it

Owned a *** retail credit card operated by my wifeOnly recently came to know this was operated by Synchrony BankIn may 2015, had called customer service and due to a really bad conversation requested customer service agent to provide "in total balance due" and paid provided amount and closed accountLater informed from credit report of a balance due and late paymentAssumed this had to do with incident at time of account closureBut charge kept showing up in credit report and as of Dec was $Due to previous conversation initiated dispute with ExperianOn Dec 16, was updated with a day due and a $balance dueOn calling customer service , was initially informed balance due is now ridiculously $On asking why the charge when I had specifically asked to provide all charges and paid the amount provided by customer service, the agent was tried to talk away saying company had millions of customers and no way of knowing any additional charges immediatelyRequested a supervisor and on speaking with her, she ended up initially saying that as date of account closure I still had a balance dueHow this would be possible when I had specifically requested and paid all dues and closed the accountHad told them the conversation was not helping at all and would have to look at other alternatives as this one experience had destroyed my credit ratingThe supervisor informed that the account would be closed with no balance due and a confirmation letter would be sent out

I pay my bills every month, and ever time I make a large lump sum payment to reduce my utilization rate with my paypal smart connect and all my other Synchrony Bank cards my credit limit is reduce and it reflects as if I have maxed out my credit limit reflecting a very high utilization rate
How am I suppose to build credit and increase my score but overtime my credit limit is reducedI don't any problems with any other my creditors but synchronyI have been a card holder since and I am tired of these practices they are usingThey wonder why they have so many people not paying them

They are very difficult to work withThey send the date due and then untimely remindersIf you pay your bill ahead of time, they charge you a feeThey are horrible and I would never get a credit card that they are the bank for againCustomer service were hard to understand and liedWaiting for the class action lawsuit

I find it egregious that after spending 7K with the company, making every payment on time and paying before my terms that I was denied an additional account with them I have excellent credit Even more so was the lack of explination as to why this request was denied After transfers they only response give was that I would get a response via letter in 7-business days!

I went to the gas station to fill up and my card was rejected - since synchrony bank took over they shut off my automatic payment - without telling me of course Lucky I had enough cash to pay for the gas I tried customer service - but he was useless no apology just told me to go to another web site and set everything up again They told me they could not transfer the auto payment Bull crap - I work for a data center and we transfer them all the time They were too lazy to do it or too stupid Paid off the card and closed it immediately - never again dealing with Synchrony Bank ever again

The worst customer service I have ever dealt with! Literally get told the same thing over and over by people who sound like robots reading from the same book! Had my credit card information stolen (how I have no idea since there is suppose to be a higher level of protection with the chip), card was maxed out and put well over my limitI still have the card in my possession, yet somehow someone was able to use it at multiple locations (food marts, taxis, delis, clothing stores, etc in a state I don't even live in!) Interest still being charged, minimum payment has doubled, and I am being told this will remain on my balance for up to days while they investigate! This is ridiculous! Everyone I have ever spoken to who has had fraudulent charges made on any of their accounts had it removed immediately! And were treated as customers and not as though they are the ones on trial! Side noteI am getting married in month and this is the card I have used and have on hold for everything! Even after explaining this I was still told it would take days, and "maybe" I should ask for a credit limit increase so I could stil use itReally!? Definitely do not recommend this bank to anyoneStill trying to get this resolved but think it's time for me close this accountFed up!

In all my years dealing with banks and credit cards I have never ever encountered such horrible customer service to the point that you feel trappedMy first and last experience with this bank, I'm paying off the credit card and moving onIf you don't have to use Synchrony Bank save yourself some trouble and look elsewhere there are plenty of options out there

I have very good credit! My Credit Bureaus' combined score is and the only reason it is not a perfect score, according to the three major bureaus, is only because they consider it a negative to have so many credit cards even if they are always paid promptly That being said, I will therefore, proceed to cancel ALL my credit cards that are serviced by SYNCHRONY BANK! They are the "WORST"Your reviews indicate that fact They would even be worse, however, because *** *** and *** *** were incorrectly listed as "positive" reviews by you when in actuality they were "NEGATIVE" reviews So the count should have read, Positive and Negative reviews My personal reason for a "NEGATIVE" review is because they are the most difficult company to get in touch with in regards to any credit card billing issues Synchrony Bank is not at all interested in their customers, only the money bottom line They force you to jump through so many hoops in order to speak to a live person, and when you finally get a person, they ask the same important secretive questions all over again When I explained to the Bank representative that it should be obvious to a company person that I couldn't have reached them without answering all the very secret security questions already, they repeat themselves over and over again, with the same pat answer that they must verify it also These supposedly smart representatives cannot, however, give me an answer as to WHY it must be repeated? Other credit card banks do not do this type of "customer Churning" in order to discourage customers from filing their complaints I guess it does work for Synchrony Bank, because, if that is their objective, as I surmised, most people will give up their rights very easily when they are busy, etc *** *** fighting for the little people's rights when they can't or even won't

I have never had so much trouble with a credit card company/bank in my life! I set up auto-pay so that the bill is always paid on-time, even if I forgetYeah, that's a jokeIn the fine print, it apparently says that it takes ONE to TWO billing cycles for the auto-pay to take effectIt would have been nice to have a more obvious notification of this particular factI called, spoke with a rep that was nice enough to waive the late fee, as I had enrolled in auto-pay before the bill was dueI asked if the payment would come out automatically on the next month and was instructed to log in and check the payment screenOn that screen it indicated that the payment would be taken automatically, like it should have been in the first placeI ask if I should pay the past due now, so that it doesn't impact our credit score, and am told no worries, it will just come out with the next paymentI end the call, thinking its overYeah, not so muchMy payment was due today, by 5pmAutopay payment scheduled and in effectSo imagine my surprise when I get a call from the collections department, stating that my bill is past dueAs of 3pm on the due date, the bill is still not reflecting paidAfter waiting minutes to get to a PERSON, and then having to wait another for a supervisor, I basically received the runaround, again I have made a payment manually, as I have no way to alter the payment arrangements since the site is conveniently experiencing difficultyI will be paying off any and all accounts I have with this bank and closing my accountsI have never received such horrible customer service from a card company/bank in my life Had I known then, what I know nowWell let's just say that I will be taking my business elsewhere

I applied for auto pay and selected a certain amount to be paid I received an email confirming my actions , to day I saw two (2) charges to my bank the first is the amount I opted for and the second for the rest of my balance, and the page that shows what did I select to pay was CHANGED to the whole balance, when I contacted customer service the person on the other side insisted that I made the selection to pay all my balance at once, I am NOT going to do ANY Business with them and recommend anybody else to be cautious of this people, please Google "SYNCHRONY BANK ISSUES COMPLAINTS" its LONG

On black Friday I placed an order on my Walmart account that for whatever reason got flagged as fraud and someone from the fraud dept called I explained that was the wife of the primary account holder and my name was also on the account The representative refused to talk with me and said they could only speak with the primary account holder I explained that my husband had suffered a major stroke in July and has expressive aphasia which means he understands but is unable to speak or write The rep then proceeded to ask if he could at least say his name I explained no even though he has been seen by speech therapists he is unable to say any words not even his name I explained that since my name is also on the acct Fair Debt Collections Practices Act includes a borrowers wife so they are able to speak with me The rep then again said they can only speak with the primary account holder My husband has been stable since the stroke but it has left him with communication and mobility deficits which now also has him confined to a wheelchair
I explained that I have a power of Attorney The rep tthen said that I needed to send a copy of the POA to the fraud dept and gave me an address I explained that this would be difficult because due to the nature of my husbands disability he is home bound and it is extremely difficult to get out We are also in the process of moving to a wheelchair accessible home and my computer, fax, printer are still at my previous home which I still own and have not sold yetand it will take a while for me to get a copy and mail it out
I finally mailed the POA over a month ago and have had to call in each month to make a payment on the account because online access has been blocked and I dont get a paper bill because everything has been set up to handle online for yearsEach time I have called the representatives have given me the same hassle that they can only speak with the primary account holder even though there are supposed to be notes on the account
There are a number of reasons I feel this situation has been poorly handled first, this Walmart account is listed on my credit report so it is being handled as a joint account therefore when they refuse to talk with me about the acct and all aspects of the acct that my credit report says I am responsible for they are denying my rights as a consumer Secondly, on the initial contact I also identified myself as the primary cardholders caregiver which once I did that I feel this company has to have violated his rights under Americans With Disabilities guidelines in my opinion Lastly, I feel that this company should have, and could have handed our situation differently by perhaps verifying information on the account to confirm my identity; but, instead representatives kept demanding to speak with the primary cardholder which after a while was downright insulting
It has been well over a month since I mailed in the POA to Synchrony and as of yet I have not received any resolution to this situation When I called today I was asked why I sent the POA to the fraud dept because that was not where it should have gone I told the rep I sent it to the address that the rep gave me so how was I to know that was not where it should have gone These reps seem to only be able to recite from a script and have very little comprehension skills

I had a small balance on a care credit card which I paid off over monthsFebruary, March, April The third and final payment of under $never made it to Synchrony...they claimInitially my bank showed pending transaction for the amount but then nobody knowsUltimately money was never debitedA glitch in the system I supposeI called Synchrony non customer service who just cite policies and guidelines and could care lessThey reported day late which dropped my credit score from to which then disqualified me instantly for a small inexpensive home I was trying to buyI haven't made a late payment in years and definitely not now that I was trying for the small houseThey never sent statement for April and May which violates federal regulationsThen all of a sudden I get a nasty gram stating a balance due with triple amount of penalties which I paid immediately $All non customer service people do is recite policies and guidelines and say prove you made the paymentI don't own and contol the ACH, the processing company or my bankMy bank has no answer, Synchrony could care less and will not remove day late and now I'm screwed big time with an instant credit score drop of I made the payment like I always do and for unknon reasons they never got itI paid balance and huge fees as soon as they sent noticeTo bad they can't send statements and on timeAll my other accounts are paid on time and early, never had online payment problems with theSynchrony person can't do anything and keeps transferring to voicemail of people who NEVER call backIt's just SOLTHESE PEOPLE SUCK IN A BIG WAY! I have a relative who has a seat on the NYSEI called him and now he will tell all his buddies about this all these other complaints on hereTypical bad news travels fast especially if there is a federal banking investigation startedThis RUINED everything as I needed the small mobile home to take care to take of a disabled reletiveNo one can afford to live in the bay area anymore and this was the break I finally got after years of looking only to have it taken away by this bank who hold me accountable for a system failureWorld's worst company!

Its all about how you use their creditI have Belk's, Lowe's, Amazon store card and a furniture card, all SynchronyI ONLY use their credit with promotional 6, 12, and month no interestTheir interest rate is about 29%Pay your balance off by the end of the respected promotional period! Period! Use THEIR MONEY FREE to your advantageI'm three years out from a home foreclosureMy credit score was prior, went to after and I'm now up to I've had no trouble with these folksTheir customer service I would call average but the few times I had to call was always positive and my questions where answered or problem solved/explainedI will say this; I had all my credit PRIOR to foreclosure with the exception of the furniture card and that was approved almost instantly.Credit is a touchy and personal subjectHowever, its each and everyone' responsibility to manage their credit responsiblyKeep your debt to credit ratio low! Credit is precious, protect it!