SynchronyReviews of syf.com

Dysfunctional and enraging company This has been ongoing for several years. Company persists in rejecting all offers of credit, alleging that my cell phone number is not valid. Considering that I have had the same number for over 15 years, that allegation is completely preposterous. Phone contact with the company's representatives are beyond frustrating and totally unhelpful. Total and absolute Kafka time.

Amazon I did not make this purchase on this card, and it's not allowed as a backup payment method in the settings either. Yet, they are harassing me and lowering my credit. I wrote and called twice; they kept ignoring my inquiries. Also, they promised a 5 percent bonus on a $400 purchase, but after calling and writing, I never received it.

Horrible,customer,service! I made my first payment in full ($21.46). It posted about 3 days apt the due date. I was billed a $21.46 late fee + $2.00 of minimum interest. I was able to call c/s to have the late fee waived, but was given a second number that I had to call to request the interest to be reversed. They wouldn’t do it! I’m sorry, but sometimes life happens & we should all deserve a small break. This is 1 card that I will be shredding tonight! Not worth the hassle.

I have multiple credit lines and never been late on a single line and have been a card holder for over 5yrs with these various credit lines(pay pal master card, Verizon visa, pay pal credit lines). I usually pay my balances off at the end of the year in full. The only thing I’ve done differently is now I own a home. All my bills are paid on time, less than half overall usage in general and with these credit lines, and no late payments in over 15 years and they reduce my credit limits to the point I’m at 95-97% of my credit usage. This action dropped my credit score 23 points. In the next couple years I will be selling and buying my dream home and I will be canceling these rinky dink cards from this untrustworthy company.

This bank has worst management it seems, even though they have posted one job opportunity, after application is submitted, the rejection email is received at the same time that doesn’t make sense to me. Hence, I give one star.

Frustrating and Misleading Experience I had a very disappointing experience with the Ashley Furniture Credit Card through Synchrony. After speaking with multiple agents and managers, I was given a final balance to completely pay off my card. I paid the full amount the same day I was told, expecting that to be the end of it. To my surprise, a month later I received another bill showing additional interest charges. When I called back, two different managers told me that interest had continued to accumulate even after I paid in full — on the same day they provided the payoff amount. I was never informed that this would happen, and they refused to remove the charges. This felt incredibly dishonest and misleading. I was blindsided by extra charges that were never explained upfront. I would strongly caution anyone considering this card to be extremely careful and make sure they get everything in writing.

I keep getting these e-mails telling me I have a letter and to log in and read it. Need my zip code first. I did all this and nothing. I don't have a balance on my JC Penney's account and it keeps coming thru this account. ????

I am giving one star, because I can’t give -100. I paid off my entire sofa purchase made through Ashley Furniture and contacted Synchrony to confirm the exact payoff amount. They gave me one value, but when I went to pay, they charged me a higher amount. Because of this confusion, I overpaid by $55, which they promised to refund. It’s been over four months. I contacted customer service many times via chat and phone. Each time, they told me the refund was processed and that I’d receive a check within two weeks. But nothing ever arrived. This issue is still unresolved. No one takes ownership, and the service has been completely unprofessional and disrespectful. All of this over a simple $55 refund that should have been handled long ago. I do not recommend using Synchrony.