Synchronybank Bewertungen 1.733

My experience with Synchrony Bank has been nothing short of frustrating. They advertise promotional financing as if it’s a customer benefit, but in reality, it feels like a trap. Synchrony charged me the full interest amount the moment the promotion expired—without sending a single reminder that the promotional period was ending.
Most reputable financial institutions send at least one notice, if not several, to help customers stay on track. Synchrony, however, seems to rely on customers slipping up so they can hit them with excessive interest charges. It feels intentionally predatory and completely misaligned with what good customer service should look like.
If you're considering using a Synchrony-backed credit product, be extremely cautious. Their lack of communication and willingness to take advantage of customers is unacceptable. I will not be using their services again, and I strongly encourage others to think twice before doing business with them.

Worst credit card company in the world! Bunch of scum running this business. Payments made on time every month and as soon as I make a large payment, they lower my credit limit to make it look like I'm still maxing out the card. Screw this company. Closed my account and paid them off and they will never get another penny from me. I wish nothing but bad things on this company. Go to hell!

I just signed up for Walmart+ because Walmart is awesome.

They partner with OnePay MasterCard for a 5% discount on purchases.

Here is what just happened when I tried to get approved for the OnePay MasterCard online:

Verification failed during the initial process because the QR code wasn't readable by any of my three devices. That same window tells me to click a link to switch to an alternate device to finish verification, but that didn't work, it only opened up a webpage with the same unreadable QR Code.

I ultimately spoke to someone and got a link that tried to send me through a verification process on my phone.

Five times, their system didn't accept the 5 second selfie video of my face. I took it in three different lighting conditions, in two different rooms. Verification failed.

The web page at the end of the process said: Verification Complete! But then also told me to call an 800 number to finish verification.

I called that number and they had no idea about what happened or where we were in the verification process. Then I looked at the tab in my browser and it said "Verification Failed".

I spoke to four different people on the phone and none could help me. I was finally told that I have to wait 7-10 days to get a letter to tell me what to do next.

THE WORST EXPERIENCE EVER.

If we can't trust them to get even the sign-up process right, I bet they don't do anything right.

Their website has been down all day. We need to access the statements for a lender. Someone needs to fix the website ASAP!!!

Trying to get help with registering for online banking. On the site they recommend chat I did that put in what I needed was transfered to a live agent who couldn't do anything but give me a phone number to call. I called the guy couldn't do anything he would have to put a ticket in for this. No one there can do anything. Glad I have not funded the account yet and I will not fund it.

Do not bank with this company ever! I got a credit card with them last year through Lowes and used it to purchase flooring from our house. I had a $4000 dollar limit and used roughly $3000 of it for this project. I left what was available for future projects and made monthly payments to keep it in good standing. This year I was attempting to pull a cash out refi on my home and needed a small boost on my credit score (was low 700's and needed to be 720) so I paid off the card. Within 2 weeks of paying it off synchrony dropped my available credit from $4000 to $100 dollars which in turn dropped my credit score to the mid to high 600's. I now can't do the refinance on my home until I get my credit back up. Worst credit company I have ever dealt with, should be 0 stars.

I regret getting a credit card through this company. Every single time I’ve made large payments on my card they lower my credit limit to where I barely have anything available to spend. So every time I think I’m going to have a lower payment and raise my credit score they completely screw me and do the opposite. I just made an almost $1,000 payment and it was basically for nothing, definitely wasn’t the first time they’ve done that.

They can take up to 4 days to post an electronic payment to your synchrony bank account even if it is deducted from your bank the same date you entered payment. 4 days will negatively affect your credit rating if you were expecting your payment to post in a reasonable time of 24 - 48 hours like most other credit companies operate.

No merecen siquiera una estrella, no cuidan los clientes y ademas les afectan su credito sin importarles las consecuencias, pesimo de verdad

Charged a late payment because I made payments 2 weeks early, was told had to make payments around 5 days before due date & must clear my bank &?posted in their records otherwise you’re late. Reps just won’t listen.

Wish I could leave less than 1 star!!!!
I’ll keep the language clean but please understand it’s going to be a challenge!!!!!
Used Suckryny bank to pay for house repairs, 0% interest if paid in full by:blah blah.
Had ACH payments set up. When I got tax money back I called to pay my balance… little did I know there was a tiny balance left over. TINY!! They stopped pulling ACH payments so I figured I was in the clear… OUT OF NOWHERE months later I start getting charged again.. called to inquire and they said “the promo expired” so I got back charged ALL THE INTEREST!!! OVER $5,000!!!!!!!
I have NEVER been so livid in my LIFE!
DO NOT TOUCH SUCKRYNY BANK WITH A 10 FOOT POLE!!! (Theyll charge you for it)

This company is horrible they will charge you interest on anything. If you make a double payment by mistake they make as you defaulted, then charge you on the default charge and the account separately. When you call them their only answer is Im sorry I can't help you. Will never open another account attached to this bank.

**update: 30 days after I submitted this review they closed my Lowe’s account with zero notification. They reported it in bad standing. I’ve never missed a payment. I pay way more than the minimum payment each month. In fact paid all but $200 off on my balance March 25th. Because of what they did my credit score dropped FIFTY points!! FIFTY POINTS!!! This has detrimental to my credit and I’m in the process of buying a house which now I can’t proceed until I bring my score back up 50 points. I will contacting an attorney to work at filing a class action lawsuit and I’m reaching out to Lowe’s corporate to let them know what this company does to good customers. I am livid and this company does not care. What they did was stupid. They closed a line of credit of a good customer who uses the card and pays each and every month. That’s poor business sense and really bad customer service. I can only assume this was done out of retaliation for my poor review.

If I could give zero stars I would. I had an amazone card through them. I would make a purchase. Then pay the card off each month. Started with $400 limit. Then it dropped to $350. Then a couple months later it dropped to $250. Not once did I leave a rolling balance on this card. Each month I paid it off. I paid $200 last week. Find out today they again dropped my limit to $50. I closed it. This hurts your credit each time they decrease your limit. HORRIBLE BANK.

Living spaces credit from Synchronybank card is a scam don't apply for it

This is the suckiest bank ever ever ever ever ever. Do not deal with them under any circumstances. I follow a dispute and I’m having a difficult time getting a resolved when it should be simple.

Worst bank ever had an experience. Why do people use them? Charged 92$ instead of 47. WTF? What is wrong with this people.

I accepted a $40 rebate offer from PP to get their Credit card through Synchrony Bank. In that offer, it approved my credit and I placed the order. 1 page visit, card ordered and approved, purchase made on the spot. A week later, PP said the card was in the mail. I did not receive it, I do not know the card number and I certainly did not call the phone # on the back of the missing card to activate it. PP pestered me to activate in several emails. I replied by email that I did NOT have the card and to cancel it because it was lost in the mail. Fast forward to this week and somebody charged my card $4000 on Monday AND Friday and another $900 this morning while I was on the phone filing my fraud case with them. I cancelled the card about 10 days ago but somehow, 3 different scammers put $8900 on this card that was never activated and never in my possession In addition, virtually all transactions these days require 2 factor authorization, usually by verifying a 6 sigit code sent to your phone. I have asked PP how someone can get a code sent to my phone while it is in my pocket. No reply. When I file the fraud cases or call to get it escalated, I get the same email response: "We don't see any suspicious activity on your account."They actually pay these people without any question. I am severing all connections with PP. They really don't care. PayPal has no explanation either. After I filed the first claim, PP requested a new CC. I did not approve that. I was not asked to approve it. I will be filing this same complaint on PayPal. They are just as uncooperative.

I have 2 different accounts thru this bank. It is almost IMPOSSIBLE to get a live person on the phone. Once you get in que to speak to someone is a long wait time to talk to them. After going thru all of their ridiculous prompts, getting to an agent, who couldnt give me the information i needed, and telling her to just cancel both of my accounts(0 bal on both) I either got disconnected or hung up on before getting the cancelation handled. And guess what she told me, you have to speak to someone to cancel them. Hopefully I will be able to do that online, another phone call fiasco with these people may be the end of my sanity as it stands. They offer 0% term loans thru retail establishments, which is what gets you. I would rather just find another way to pay. Ill NEVER USE THEM AGAIN!!!

I need to say something about my experience with Pep Boys and Synchrony Bank.

I trusted Pep Boys to put tires on my vehicle, and the job was done incorrectly. Because of that, my family and I were put in a very dangerous situation that could have ended much worse. No one should have to worry about their safety after paying a company for a basic service like installing tires.

When I tried to dispute the issue through Synchrony Bank (the company behind the Pep Boys credit account), I explained exactly what happened and how serious it was, but the dispute was still denied.

Businesses should stand behind the services they finance and the work being done. Safety should always come first. I’m sharing this so people are aware and think twice before trusting companies that don’t take situations like this seriously.

#PepBoys #SynchronyBank #CustomerExperience #SafetyFirst

Same story different account holder! On time payments never late never missed. Kept reducing our Ashley Furniture balance until they closed the account for no reason. EVERY time they reduced credit it hit the credit report hard due to reported usage. Now closing it?!?! Huge impact on credit report! They are the worst! Common denominator of all these bad reviews...Synchrony basically illegal practices