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Synchrony Bank


Country United States
State Florida
City Orlando
Address PO Box 960061
Phone (800) 677-0718
Website http://carecredit.com/

Synchrony Bank Reviews

  • Feb 6, 2018

I had a c.c. for TJMaxx through Synchrony...about six months ago I made a payment through my online banking ...Synchrony accepted my payment before the due date however they did not post it until after the due date so they charged me a late charge...when I contacted them they said I needed to make payment at least three days before it was due....So I decided to pay the remainder of my bill and be done with this company....My payment of $49.18 was due on 2-2-18...so on 1-30-18 I made the payment in full....today (2-5-18) my bank account shows that they accepted the payment on the due date of 2-2 however they still have not cashed it out so now I have another late fee on a paid off account !!! I called them and the lady that I spoke with was rude and tried to deny that they accepted the payment . I cancelled the account and cut up the card....

  • Jan 27, 2018

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If you want to ripped off by fraudulent application of fees, then Synchrony Bank is your bank. I have asked Town Fair Tire, a company I like very much, to disassociate with these con and fraud artists. The Board of Synchrony Bank must meet once a week to see how much in fees they have scammed from hard-working Americans and be giddy with glee! Synchrony Bank provides short-term credit for tires or jewelry promising 0% interest. I complied perfectly, even prepaid, yet they did not post my payments, charged late fees of 10,000% of the credit, and have only unintelligible, chai-shop Indian telephone service. Please be aware that you can always speak to someone in the US, and that US and State laws apply to this company. I closed my account at 0% on the phone fast, after hours of arguing in some Indian dialect. This Bank is a disgrace. The FBI and Banking Commission should close them down. These activities are anti-American.

cc: Town Fair Tire Corporate Offices

  • Jan 24, 2018

QVC QCard acct is owned by Synchrony Bank. I have shopped with QVC for many years with no problems. My particular problem began back in late July, 2017 when my information on my computer was compromised. I called every account, including QVC, to let them know. Old acct was closed, new one set up and new account # (QCard) sent. I let them know my new checking acct # and paid by telephone for several months since my autopay had to be reset online by me and I had no access to a computer at that point. I purchased a new computer from QVC on August 06. 2017 (advance order to ship on 09-08-2017 and be received by 09-14-2017 - mine did not come until 09-22-2017) The cost of this computer was to be $133.74 per month x 6 months (easy pay). This was included with the other items already on the account. Ok, everything was fine, bills were paid but the trouble seems to have occurred when the autopay was set up again. Even though the billing statement said my autopay was to occur on 11-03-2017 $256.27 statement balance, it did not. Did not know why and I called QVC as soon as I realiized this. I check my bank account online but did not see the amount to come out of my checking account. When I called, telephone answered with a recording saying "system down, call back later' and I assumed there had beens a computer glitch. This was close to a data breach but I don't recall the company named.

I have worked with systems and did not worry really until I checked my account on 11-09=2017 and saw my account was shown as late. Tfhis is when the telephone calls began with me calling the number on the statement and talking to a different person each time; Seemed like some understood my problem, others didn't. They would tell me there was documentation where I had called before but I am not sure how thorough it was. I have written down each day I called, the number called, who I spoke with, etc. This went on into December with me trying to find out what was happening. I finally figured out that the payments weren't being deducted. I was told to go into the account and check the checking account number and change it even if it was the same number.) ) What was shown was my old checking account number ending in 5224. New one ended in 5011 (same bank). SO what had happened was my QVC Qcard was accessing information that had not been current since late July, 2017 even though I had told my new account when I got it..also in late July. I took the advice of the person who told me to put the correct number in, which I did, considered all ok. Still didn't solve the problem..I kept pulling up the account, seeing incorrect information, becoming upset.

At one point I went back in and the SAME OLD CHECKING ACCOUNT NUMBER ENDING IN 5224 was shown. I changed it again. I called, told I had obviously entered the old checking acct #, which was infuriating, becaused, as I explained, I didn't even have that number to enter since I had thrown all that info away when I got the new account. Seemed like things were on track to finally be straightened out...but no. Synchrony Bank closed my bank effective 12/01/2017 and I had no idea except I had pulled up the account again and saw a statement on there that the account was closed. I received a letter from Synchrony dated 12/08/2017 saying the account was closed and it always takes about a week for a letter from them to reach me. There is more and believe it or not, this is the short version. I guess the last straw was the letter I got from Synchrony dated 01/10/2018 and received 01/22/2018. I was really too mad to call the numbers given, and still too mad to call today. I am very upset and hurt also by the treatment from Synchrony. I have quite a collection of paperwork...statements, all letters. I hope this helps. Thanks.

  • Jan 22, 2018

when I first received my amazon card in 2015 I called and notified them my money does not enter my bank till the 1st and 3rd and my bill due date is the 28th. I was informed that there is a grace period before late fees added and my time frame fell in that period And not to worry. I still asked my bill due date to be changed to the 5th. Was told no problem.

I continued to pay my bill by the 5th with out thinking anything of it and that they did as they said. I went online and went under transactions and noticed every month there was a $35 late feel I called the lady said well she doesn't that and I can take off only 2 late fees and will escalate your complaint and you will hear from us by email our descion. Nothing. I called back today and told same think that only 2 can be taken off and I don't see in your file that you complained about due date.

If I didn't complain then why was 2 removed. So it wasn't escalated the same way my due date wasn't changed. He again today said I will escalate and you will hear by email the descion. What descion ? That I was told my due date will be changed and yet they committed fraud by charging me late fees?

Iknow every month I only have money in my bank on the 1st and 3rd. And they take someone like me and milk for money by continuing to add late fees. My late fees from 2015 to present should b removed with the exception of the 1st months bill. . I understand I did not call till I received my amazon bank card in the mail and the was after the first billing cycle.

  • Jan 9, 2018

I have a defered intrest credit card with Synchrony bank, and have several defered intrest payments due to be paid off this year, both are under $400.00.

One needs to be paid by February 04, 2018,in the amount of $359.00 I made a payment of $127.00 in December 2017, another is due on December 04, 2018in the amount of $302.26, another is due on April04 2019 in the amount of $284.85, the last payment is due November 04, 2019 in the amount of $2200.00. When I made the payment of $127.00 in December 2017 they took $95.00 dollars and applied it to the $2200.00 charge due in December 2019.

To pay off the $359.00 due on February 04, 2018 it will now cost $454.00. I feel their defered payment plans are no more than a scam just so you would default on a defered payment so they can charge you accrued intrest. This bank needs to be reported to the state AG's office, and to the agency that lets a bank due business.

  • Dec 4, 2017

I purchased a card from them a little over two years ago and I got the card for 7000 dollars credit. After making all my payments on time and only having 2500 dollars left to go, they added on a 3,000 interest fee. Saying that I passed my promotion and they lowered the amount of credit that I can use to 6500. Also the interest rates shot up to 30% interest. I called synchrony bank to ask them what happened and they were very rude and short with me. They told me I can pay 3000 today and they wouldn’t add the interest.

I couldn’t just come up with 3000, hence the reason I needed a credit card in the first place, so after getting absolutely no where with them over the phone. I am now stuck with 30 points knocked off my credit score. Now I am exceeding the amount I am able to spend on my card. They make it almost impossible to pay it off. I read many reviews on them and many others have had the same problem. They are taking your money but not freeing up credit so you’re able to use it. It keeps you locked in with them forever taking your money. This company is fraudulent and are robbing people blind!

  • Oct 11, 2017

Synchrony Bank gave me a loan for a dental treatment. Since I was misdiagnosed and treated wrongly, I disputed the amount paid for something that I didn’t need. Nobody from the Dispute dept. of the bank contacted me while investigating the case.

After waiting 2 months I received a letter that the dispute was decided in provider’s favor. When I called to ask explanations, I was told that the bank doesn’t know anything about medical procedures and they decide the dispute in provider’s favor because they are professionals. I was stunned! Why the bank gives loans in a medical field if they don’t know anything about medicine? How that bank resolves disputes if they don’t have any specialist in the medical field?

My assumption is that the Dispute dept. just takes the salaries, do not investigate any dispute and accept that the professionals are right. They even didn’t know my side of the story. Why there is a Dispute dept. in the first place? How someone can work in unknown for him/her field?

There is no logical explanation why and how this bank exists, giving loans for medical treatments without knowing anything about medicine.

As usual a small person never wins a battle with the rich and powerful banks, doctors and corporations. It is outrageous what all of them do hurting the others, especially retired disabled like me.

The bank wants me to pay the money for a service that I didn’t need because of incapable and negligent dentists. If the bank doesn’t know anything about medicine, they won’t understand what medical malpractice is.

  • Sep 27, 2017

We purchased tires with promise of $120.00 rebate if we opened an account and purchased before deadline. Rebate form had to be in by certain date. then it said please wait 6- 8 weeks. It also had a deadline for you to check on rebate or forfit. This we did not seat first. We went to great trouble to fax in the info so it would get there on time.

We waited too patiently. When we called they said the date was not on the receipt so offer was invalid, but when I said "I am looking at receipt and the date is on there and it is before the deadline. I was told to hold on and let them check. Then I was told "Well, it is past the deadline and there is nothing we can do. "

  • Jul 26, 2017

Synchrony Bank is very unprofessional and has shrewd practices. They are a credit card company that does not always send a statement each month. I forgot to pay my bill which I regret and they ended up charging me a late fee. A agreed to pay but I informed them that they didn't send me my statement for the end Of The month making it easy for me to forget my payment. They then agreed to send me my statement but lied and did not send me my statement the next month. I still paid my bill, however they claimed they did not receive it through the automated system because the bank account information I used was incorrect but I don't understand why it still processed and accepted my transaction if the information was incorrect!

So they call my phone off the hook to inform me of yet another late payment. So I speak to a real customer service rep (both were unprofessional and it really upset me) and I agree to pay above and beyond the full amount with a debit card. I know I made some mistakes and forgot to pay my bill but Synchrony Bank has some bad business practices! I have another credit card just like this one and I have NO problems paying them on time. They are very honest and professional. But not Stinkrony! I want to pay my bill off as soon as possible so I can close my account! No one should do business with them! Duane Chicago, IL

  • Jul 24, 2017

Received a letter from there collections department stateing that my account ending with **** has a past due amount of 237.84. first off I pay every one of my bills early second off live no where near Orlando. third have zero accounts ending with anything remotely close to those numbers so I thought someone may have stole my identity and opened up an account in my name through further research I found no new accounts in my name and absolutely none from or through this bank its a big scam

  • Jul 19, 2017

I paid my account in full in Marrch of 2016. I told customer service to permenatly close the account. Now, this month I received a new bill for $$38.95. When I called - customer service could not explain the charge nor why they account had not been closed.

I have paid the amount & written them a letter stating that the charge is fraudlant.

  • Jul 4, 2017

Amazon Store Card with Synchrony Bank, an interest rate nightmare at nearly 27% !

Amazon signs you up for their store card without givng you a choice of providers and fails to cleary inform you that you will pay nearly 27% interest. This should be illegal and is in serveral states in the US. Synchrony bank is nothing but a bunch of thieves and Amazon their co-conspiritor. Avoid if you do not want to get ripped off. I have a nearly 750 credit score and am a no risk person to any lender at 63 years of age.

When I contacted both Amazon and Sychrony Bank, they failed to respond at all ot responded inapropriately saying "Sorry, we cannot help you."

A sharp attorney or firm who specializes in class action lawsuits would do well to read this and consider taking action, thanks for reading this ( I could of gone on and on - decised to save you the sad story. )

  • Jun 26, 2017

I missed a payment on an Old Navy Bill for $25 dollars that got mixed up with bills while we were planning a vacation.

These idiots cut off a $3200 dollar account to $600. We will be paying off all accounts with these idiots as we spend about $1500 dollars per year with them.

Great job Synchrony Bank. I will be paying off any accounts with you idiots and move on to better opportunities.

  • Mar 16, 2017

I received a letter in the mail requesting my social security number and my signiture. The letter said I was denied a credit card from Synchrony Bank due to the fact that I did not fill out my Social Security Number.

1. I never requested a credit card from this bank.

2. I haven't requested a credit card from any bank recently.

3. The letter itself looked shady

4. There was no phone number to call.

5. I don't live in Florida nor have I been there recently.

This could be one of several possibilities.

This could be the way this shady bank does business? Maybe they send out a lame letter saying you were denied a credit card in hopes that you fill out the form and mail it back to get one? Or This could be a phishing scam to get your personal information. Either way this isn't the way a reputable bank would conduct business.

NEVER EVER Send your personal info in a letter to someone one or some place you've never heard of. NO BRAINER!

  • Mar 8, 2017

Synchrony Bank is quick to draw you in for the Amazon prime store card, but what you don't realize is, they don't understand the differnece between a one time payment and a recurring payment. They try to say that if you make a one time (additional payment on credit card), prior to the due date, your recurring payment will be reduced to only make the minimum amount owed that month.

For example, minimum payment is $75.00, you make an additional payment of $50 prior to your due date and your recurring payment is $75. They only take $25 for the recurring payment because the additional $50 and the $25 is equal to your $75 payment. Then they can add on additional interest.

Would not recommend you apply for their card. Customer service is terrible and they just don't care what you have to say, it's as if their response is scripted.

  • Aug 24, 2016

If there was no stars I'd give them none! This is the worst bank in history! and there have been bad banks in America. They are scammers! I applied for a Sam's Club card in March, I was approved for their mastercard. When I signed up, I was told and there was a plaque right next to the register if I get approved no interest for 6 month on purchases. Now, it's August, I've called and fought with them once before because they charged me interest since my first billing cycle and again on my July bill they charged interest. When I called customer service, they said that the promotion is only on a certain minimum that I spend and only on certain items. I argued and argued and argued but got nowhere. No one at this bank give a d**n about the consumer at all! You have to carefully inspect all your statements because they will charge you for things they said they won't charge. I've had numerous issues with this bank before when I purchased furniture through Ashley Furniture store. This absolutely a horrid company. Had I known before I applied that it would be Synchrony bank I'd be dealing with I would never have applied. I think this is false advertising on their part and Sam's Club. They don't disclose details and try to screw over the consumer. I wish this bank would close so we wouldn't deal with their lack of business ethics anymore!!!!!

  • May 24, 2016

I also have another that is for my lowes account...same address same thing ...same run around I am fed up. I have slips where I sent the information certified mail...I have sent them through fax twice now. My job moved 3-16-16...and I have yet to get a payment made.the hsn account is online...the other Lowes is not online...but that is how I make all my payments to them.

  • May 21, 2016

I opened a PayPal Smart Connect (XXXXXXXXXXXX1236) account in early 2012. I made some purchases, but I never received a statement from PayPal until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status.

It was extremely difficult to locate any Smart Connect account information on their website at that time in 2012. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill.

I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and left the account in limbo for three years.

Last fall (2015), I contacted GE/Synchrony to pay the past due balance in full, but they would not accept payment. They subsequently referred me to a third party creditor who had assumed ownership of the debt. I then promptly went and paid the full amount ($736.29) to the new creditor.

Being a loyal customer with two other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report (since I paid the debt) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates.

Since Synchrony's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.

  • Dec 22, 2015

Back when it was Care Credit, I tried repeatedly to pay my bill online, and it kept reporting that I did not owe them anything yet. Finally, to avoid interest charges, I sent a check. On the same day I got the check back from the stating I did not owe anything, they charged me interest because I had not paid the bill on time. My protests went unheard.

So now I run into the bank again when I applied for Amazon credit. Again. I tried to pay my bill, but it would not let me into the account. The third conntact made with their help desk, I finally managed to be insistent enough that they let me pay it, as it turned out, they could have done the first time I called. I cancelled my card.

I am curious to know if this is a policy to increase their revenue.

  • Nov 20, 2015

I received a letter today telling me I was a valued SYNCB CareCredit customer. Letter then stated that they are unable to approve my credit line increase request.

I have no idea who SYNCB CareCredit is. I have not applied anywhere for an increase. I have no reason to do so.

When I called the number given by Synchrony Bank, it was automated and asked for my social security number. I was not about to give out that information.

I just wondered if this was a scam. From what I have just read, there have been other problems with the mail others have received.

  • Oct 21, 2015

I purchased furniture from Rooms To Go in which Synchrony financed. The 1st bill was $25;therefore, I figured the monthly bill would be $25 unless I added something else to the account. I set up reoccurring payments for $25. The following month, the $25 posted to the account then a few days later, I received an email stating $6 was past due. I retrieved the bill online apparently the bill increased to $31. Not sure why because no additional purchases. I immediately called Synchrony and explained the mixup and requested the late fee to be removed because at that point, the balance due was $64 which included $25 late fee, $6 past due and the current amount due $33. Notice, the balance due went from $25 to $33 no additional purchases. Nevertheless, the agent agreed to remove the late and I paid the $6. Wonderful, now all is due is $33 right? Wrong.... the $25 late fee was removed from the entire balance, but not the balance due, resulting in $58 due. I was told I would have to pay the $58. This is ridiculous..why? The late fee was added in the monthly amount; therefore, should be deducted from that amount. I am paying off this card immediately as this company is a ripoff! Also, the agent states the minimum amount due will.increase monthly even with no additional charges.

  • Oct 6, 2015

I have had an account with GE Capital for a number of years, approximately 2 years ago Synchrony Bank purchased their customers. I think they are still the same company and they treat people the same.

First of all, I am a senior citizen and I am paid only once per month. I have tried to get all of my accounts set up at the time of my due dates. I explained this to them to no avail. I have been denied credit to several stores because of their reports.

I am receiving a credit bureau report from transunion in a few days to look over Synchronys findings. They are reporting delinquencies, unpaid, etc. I have told TU that several years ago I had a few accounts, when I was working, I lost my job in 2006 an was unable to pay those accounts.

Ever since that time I have opened a few accounts: walmart-paid off (2), they closed these because of the time of my getting paid, the payments were not paid until I got paid, never missed a payment, Care Credit, paid off, Mohawk card, another one of Synchronys accounts, Conns, I paid online, with my account set up to pay according to my paydays until the account was paid, 2 months in a row conns took 2 payments each month throwing my other accounts not being paid, but I paid the accounts and got them up-to-date and not being late.

The major problems with all of these accounts has been because of my ability to pay only when I was paid about mid-part of the month. I received a letter today from my Old Navy account telling me they were reducing my credit limit.

I have always paid this account, and as all of the others I have always paid more than was due. They are ruining my chance to get my credit rebuilt due to my loss of employment. I have no home payment, I own my home, no car payment, and I am going to be needing to get a car but with Synchronys negative reports this is going to be difficult.

I have even paid off an existing account that I misunderstood the payment schedules. I need for this company/bank to try an work with my age group. It has made my life a miserable mess trying to get my accounts all back in order after the situation with Conns. I also explained that to the customer service for the bank.

I would like to get in touch with someone in regulations for these banks,but I dont know who to get in touch with. Senior citizens are the builders of these companies, and the United States have set some of these banks and businesses up with our, senior citizens money.

I figure there will not be anything done, for me it never has but this may give others an indication of not doing business with this particular bank.

Thank you in advance for reading this (please do not thow away without reading).

  • Sep 23, 2015

I went to a dentist with a toothache and was told that I needed to have 8 teeth removed the dentist told me what the bill was since I did not have the amount of money she asked for she. Told me that I could apply for care credit which is interest free for 12 months. The interest you pay now will be credited to your account at the end of the year if you pay off your account but if you don't it becomes like a normal credit card with interest. The problem came about when I tried to pay off the account and was told that they had applied 844 to the account. they refused to close off the account for what I owe minus their 844 . I would like to close the account and pay them off but they are insisting on making me pay the money they added. mY question is that since I've made payments for the past ten months where was the money going to if they were not charging interest. My initial loan was 2900.62 in July last year and I have paid about 1000 to date now my balance according to them is 3500. I want to close the account by paying them what I owe them minus the differed interest which was not explained to me properly by the dentist office and also I would to expose this business because care credit qualified people should be making people complete the credit not dental office. People because they explained things differently.

  • Sep 8, 2015

I have had a CareCredit account thru Synchrony Bank for a few years. I never missed a payment and have paid off my account multiple times in the course is having the account. The last time I carried a balance was $75 on a $1000 credit limit. I paid it in full in January of 2015. In August of 2015, my account was closed because they pulled a credit report - without my knowledge or authorization. Because of what they found (that I missed a couple of payments over the last month), they decided to close my account. First, I had no balance. Second, I have not missed any of their payments and third, they ran an unauthorized credit report. I spoke to a supervisor whose name I took and her ID. She stated "they can do whatever they want whenever they want". Really? By them closing my account, it harmed my overall score And I fully plan on taking this further with my state's AG and the FCC. Is this really a fair practice? I could understand it if I was not making payments and was carrying a balance but for an unauthorized credit check? No way. And, I was not asking for more credit. I truly believe that this is the reason anyone with credit issues who are trying to rebuild will never be able to do so. I am going to close all of my credit card accounts as I do not need them. of course I will absolutely pay off any balances but this is just not worth it!

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