Synchrony FinancialReviews of synchronybusiness.com

They have ability to dive your credit and did so at the start of the pandemic by lowering my accounts' limits to account balance. I was only using 30% of available credit. They then reported - even though timely payments on zero interest account - that I had not paid off my accounts prior to special offer expiration. They then declared I had no mortgage reported as if this was a new event. (Same conditions as when initially applied.) This adverse action letter was sent in May and was retroactive to Feb. Couple this with a chain reaction of the illicit credit diving spread across 3 credit bureaus and all other accounts were reduced as well. Do not take the zero interest financing offers such as PayPal and Care Credit (medical financing), they are a Synchrony product. Amazon is one too. They partner with many merchant accounts and no matter how it is submitted, you will NOT receive the zero percent 24 mo financing. It will expire in 6 months and by the time you find out, you will have no recourse. It appears the merchant has no way of correcting any errors and does not control this bait switch financing.

I want to leave a 0 review! They went in and re-run my credit without permission, which is a violation of privacy. Then after I had paid off 60% of my card, they decreased the damn limit to report to the credit bureau that I had not paid off my card. I tried to talk to someone named Richard who was an account manager and didn't seem to want to help me other than saying that they would run my credit again. Mind you it had already been hurt by a negative rating on that card so now I am extremely upset with this company. I recommend that you don't ever use them they suck! They hit you with a huge interest rate and then do this! I am paying the whole limit off and boycotting rooms to go and their credit card company SYNCHRONY!

The worst bank ever , don’t get any of their credit cards .Worst customers service ever, they are unprofessional and they will reduce your credit limit without any notice and ( or close your account for no reason )even if you are in good standing and have a perfect score .

What do hemerrhoids and this company have in common? That's right- not too hard to figure out, a PAIN IN THE A**!!! God Awful I could write an entire novel of how sleazy this corp. is. Multiple hits on credit score if u apply for a card, encourages you to apply for cards and then subsequently does not approve them, makes it near impossible to file any appeals. The last time I had to FAX a letter was like, 1992. They bought out PayPal and I have been on hold for hours multiple times, just getting booted from one department to another. Similar deal when I was late on another card account by 1 DAY. 1 DAY for $38 MIN PAYMENT, and THEY REFUSED TO UNDERSTAND. They have no compassion for missing by 1 DAY. PayPal Credit AND PayPal card, both denied, and hit credit score an extra time each time. I have given up trying to reason with these numbnuts, I figured I'd just vent a complaint through here to encourage any customers to STAY AWAY AT ALL COSTS. PayPal Credit has NO CUSTOMER service like they used to, and their reps thru regular pay pal are rude. One had the nerve to *** interrupt me when I was speaking. Only reliable source is a "help" page on their site telling you absolutely nothing useful. Their customer service is unbelievable its so awful. Phone centers harass you every ******** day if you are even late payment a few days. Down right harassment. They absolutely s**k at life. DId I mention they changed the due date for one account without my knowledge? The only thing this slime ball corporation does is r_pe your credit score and charge exorbitant interest rates. DO NOT BOTHER.

ONLY is this is the same company as Synchrony Bank financial. When you faithfully pay your bill on time and they then REDUCE your credit limit for no reason. Many complaints about this on BBB so apparently I'm not the only one