SynchronyReviews of syf.com

I give them 0. Customer service is horrible. Anything that goes wrong is the customer’s fault. I was told that my incompetence with “video selfies” was the problem, not them. They reminded me over and over that the conversation was being recorded. Good. I was stressed because my card was blocked, but the agents refused to help me until I made a “video selfie” which is not possible from the directions. I cancelled on the spot, got argued with, told I’d never have an account with them again, and then I was charged with a cancellation fee.

I used Synchrony to finance a sauna, the promotion expired and their interest charge is 100% of your balance, which they don't say or mention anything. When you sign-up they don't actually call this out and don't send reminders / or anything else, which you would think would at a minimum, they would send some kind of reminder, but they don't send anything. Synchrony says it values its customers, but it doesn't seem like theres any type of customer service if they're charging customers 100% of their balance and telling the customer that they should have remembered their terms from more than a year ago. Especially in this economy where layoffs are happening all the time, there's no humanity or basic decency compared to other lenders.

What a troublesome website - I HATE the fact that you have to sign up for paperless billing or pay a fee. That is blackmail and a dirty business model.

when i wouldn't succumb to their pressure to agree to a fraudulent late fee charge, they sabotaged my credit rating to the tune of 100 points!! There is no low point that these "bottom feeders" won't sink to!

HORRIBLE experiences with their customer site for Synchrony Home - EVERY month I have to spend a LOT of time trying to get past automated ding dong to get a LIVE Rep on the phone to get online to pay my bill. EVERY month they help me and within a couple weeks, right back to telling me my inforation does not match or is not valid - Try to get in on the page for pw reset and asks for ss# and birthdate = Keeps giving me msg my info does not match their records - Pretty sure I know my INFO at this point in life! JUST got a letter in the mail that looks like a promo fee of 2% is going to appear on my account .. The purchase I made was 0% interest for 36 months - The Reps I get on phone are fine - Except one on a particular day - told me he couldnt help me access myt account - The others have been helpful and it is VERY APPARENT they too are FED UP with the lousy website that ends up with customers calling and getting them fuming and frustrated =I feel bad for them - Is not there fault - SYnchrony Home needs to clean house on their website peeps that must be just going to do a task to collect a paycheck with no care for how sufficiently it operates or end user shoes - This is the ONLY website I EVER have issues with getting into to make payments and check my account. And it literally is EVERY MONTH - Even AFTER the previous month a REp helped me make my payment over phone.. Never have ANY issue w Paypal - This division - Needs someone to give a damn about the people that feed $$ into it to afford people jobs and paychecks - that make the site that is so dys-functional.

The rewards are bogus. I selected a virtual gift card. I go to the store and they did not honor the card. I called Synchrony and was basically told it's not their problem but to get with the store. JUST A RIP OFF

I don't know what is Synchrony's problem but they gave me a $1,000 credit card I've been making my payments on time and doing extra payments so in the middle of March I decided to put $400 down to my card just 2 weeks later, today to find out that they reduce my credit card credit to $600 then what was the whole point of making up for $400 payment for if they decided to mess me up, I called them so they can tell me I have too many credit lines open, like is only 4 cards and all in good standing accoring to my credit report! So just because of that they decided to lower me to $600 credit line that's stupidity and I'm going to cancel this card

Been a credit card customer more than two years. Agreed on a $5300 credit limit. Paid my bills on time or early…just recently paid them $1600 over the past 2 months and I find out today when I checked my acct online that they slashed my credit by $1800. This is the second cut in two years. No notification or anything. When I called customer service she read the script and basically said that my real estate equity was insufficient. I sold my house and property 3 years ago prior to ever having an acct with them. I would understand if I was late on payments or something… I have never missed or been late the entire time I was with the company. Will just do a balance transfer to one of my other cards. This bank is not customer friendly at all. If I could give zero stars… I would. Oh…and customer service rep said that I should receive the letter of explanation in about two weeks. They have no problem emailing my statements and reminders for upcoming payments… but fail to see the importance of telling a customer that there credit line has been decreased by 33%… who has paid his bill on time for 100% of the time. They are making their money… and obviously that is all that matters to this company