SynchronyReviews of synchrony.com

They suck. I bought a house, have excellent credit, used my Lowe's for home improvement and 3 months later they cancelled/closed it saying I owed too much! No late payment, always paid more than due. And now, my other Synchrony card for Marshalls/TJ Max, I owe nothing. zero balance. And they just notified me they are cancelling it too! I won't open an account again if Synchrony is managing it. I also won't be shopping at stores that use them as a provider.

They recently “transitioned” to a new system and inconvenienced all their customers by not migrating autopay details and causing all their customers to have to pay double payments (missed and next) to correct their inadequacy. Add to this that once you paid your “past due” amount (which again was their fault) you can’t setup autopay for another 72 hours or so, so you’re further inconvenienced by their mistakes and inadequacy. I would not recommend doing business with this company as they clearly don’t care about their customers experience.

Synchrony has transitioned to there new website recently Synchrony Pay Later, 1st off before transitioning to a website, its pretty obvious there was no prior testing internally before releasing to customers: They want you to set up autopay, If you set up autopay the default is the minimum payment, you can not change the amount you want to pay, to me thats border line fraud- so they won't except more towards the minimum to go to the interest. If you decide to make a manual payment you can enter another amount beside the minimum, but as soon as you process the request they take the payment out that day!, So I am not doing autopay with this company period!. Also I called and spoke to a supervsor last month and they said they were getting swamped with this complaint. this started last month and still they can't figure it out???

Synchrony is awful! I had a Sams Club card and tried to make 2 extra payment from the wrong account with zero balance and they cancelled the card. Never late always paid off. They explained it was automatic but they expected me to keep paying off balance. Because of this my Lowe's card was cancelled. Another card I was never late and always paid off balance. I have a Paypal (Synchrony) which I paid off and my account was put on an automatic security freeze for 15 days. No suspicious activity they just explained it was automatic and nothing they can do.

Is ZERO STARS an option? Synchrony has been showing up all over the place, and everywhere they arrive to take over a “Store” account of mine (such as Amazon, or Mattress Firm), I am running to get away as soon as possible! For people who need products such as a mattress, but have trouble with cash flow, they should Not be tempted by their interest free offers unless the buyer can Absolutely pay off the balance within the promotional period!! Otherwise, you will get slammed by egregious rates of interest that will turn you upside down! You should avoid using any store cards offered by Synchrony Bank! They will succeed in making you poorer should you not be able to pay off the balance within the promotional period, which is exactly what they are hoping will happen! Synchrony is synonymous with all of the worst things you’ve ever heard or read about greedy, sleazy financial institutions, and people should avoid doing business with them at all costs…even if it means sleeping on a concrete floor for a year!! If your credit is good enough, I recommend using “AFFIRM” wherever & whenever it’s available! AFFIRM is a solid and respectable business, with VERY fair & affordable interest rates, snd payment terms! Unlike Synchrony, Affirm offers you the ability to use credit when necessary, but without the ultimate goal of bankrupting you for your usage! To put it simply, SYNCHRONY BANK SUCKS!!! They’re a typical, usury-rate financial firm, that I would like to see much less of.

Something is ROTTEN IN DENMARK WITH SYNCHRONY Q CARD (QVC) DESPITE TRANSFERRING EASY PAY BALANCES OUT OF Q CARD TO MY BANK DEBIT CARD OR OTHER ALTERNATE CARDS, DESPITE MULTIPLE RETURNS MY BALANCES NEVER GO DOWN NEVER! Several calls to Synchrony customer service & speaking to QVC all responses are as CLEAR AS MUD. I Am reporting BOTH TO BETTER BUSINESS BUREAU. DO NOT OPEN A Q CARD.When I use other payment sources that ARE NOT THE Q CARD, THERE ARE NO ISSUES, MY PAYMENTS ARE POSTED MY RETURNS CREDITED AND BALANCES REFLECT BOTH.

Due to the tariff recession my business is down, I am unable to PAY on all of my credit cards. Hired Byond Finance to renegotiate with Synchrony, which after 30 days has not responded. They are playing the long game betting that I will cave as my credit score plummets. So, tell me Mr Bain D Doubles, why shouldn't I just file a bankruptcy and be done with this? You would rather get nothing than 50%.

No customer service or support