SynchronyReviews of syf.com

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

I am deaf and Synchrony refuses to help me update or access my account without forcing me to call them. I dont have a tty device. This has happened several times with several agents on chat.

I opened up an Amazon store card account and have had nothing but problems since. First, they temporarily froze my account for making two payments in one month. Why on earth would they penalize me for making payments? Next, I decided to pay off the card in full. Synchrony responded by cutting my credit limit in half! In what sort of bizarro world does paying off one’s debts result in penalties? Customer service reps have been rude or indifferent. One rep I spoke to honestly sounded exhausted - like she knew she worked for a shady company and had just about had it with covering their butts. After the arbitrary reduction of my credit line, I went ahead and canceled the card/closed the account. I’d avoid Synchrony’s Amazon store card at all costs.

So I have amazon synchrony card, and i just found out that the synchrony bank is doing something that looks like a fraud and scam to me. So I use their offers of 6-12 month equal monthly payments to my big purchases, which are sated to be interest free. When I looked at my statement today, I saw the interest charges. After talking to the customer service with the agent and the supervisor, I found out that synchrony not providing the full amount to pay in the statements to avoid the interest, so the minimum statement payment amount doesn't include the promotional purchases balance of 6-12 months, which are STATED TO BE INTEREST FREE into my bill. So this way they manage to charge interest on the purchases that are supposed to be no interest payments over time. The only solution to avoid interest is to call customer service EVERY MONTH and ask them how much I actually have to pay each month in ADDITION to the statement balance to avoid the interest fee. In addition, all this information is not available on the synchrony portal. They actually just send you the paper statement and the email. The email just has the minimum payment and due date. Then, I have to call to the customer service to find out how much i should add to the minimum payment in order to avoid the interest charge. Isn't it like a scam & fraud of promising people interest-free payments, then providing them the balance that has them incur interest fee??? Isn't it stealing money of millions of people, which has been going on for years? The customer service supervisor of synchrony bank stated that a lot of people that call them are angry about it and the agents raise this issues to the administration, but I guess the administration just ignores it. Great job synchrony! Maybe I am going to make it public...

They cut off my card again. I have been a customer for many years. Cannot reactivate. Their stupid system won't scan bar code on DL. They promise to send me a letter in the mail - they don't. I sent them a letter with all my documents and details. Nearly 3 weeks and no response. Thing is, they owe me over $600 in rewards and will not release. I think they're either total scam artists or thieves. I owe them nothing. This is not the first time they done this to me, but it will be the last. I applied for another card from a bank and was approved in 3 (or maybe 2) seconds. A warning to all stay away from this card no matter whose name they represent. If it's associated with the name Synchrony, look elsewhere. GE are well shot of this one time business of theirs.

Please pay attention to these reviews. I read them all and then still moved forward and was attempting to get a care credit card to pay off my dentist for dental work... And it did exactly what the first review said.. They supposably pre approved me and baited me in into giving them all my information.. And then denied me for it all.. Please don't make the same mistake I hope this is one of those blessings in disguise..pos synchrony

They are definitely a scamming agency to capture your data, then not approve you! I have a credit score of 807, my home is paid off, no debt and a good paying government job and I got denied! After reading the reviews, I am glad I was not approved, because I see they ruin your credit by not processing your payments etc.

If they are looking for an award for the worst technology available, they have clinched first place. Specifically, their AI can not read the images it asks you to take.