Synchrony Bank (Formerly GE Capital Retail Bank)

I received my check today.

[redacted] Card: The rewards on this card are fantastic - unfortunately, I have received numerous fraudulent charges with absolutely horrible customer service. These are small amounts, in total over the last 7 months there have been $1,000+ in charges from the SAME fraud perpetrator. I tried three times to report the first set of charges: 1) Rep didn't report it to the fraud department, 2) Rep sent it to the fraud department but didn't take the charges off of my card AND the fraud department forgot to start the investigation and 3) FINALLY, a rep took the charges off and got the investigation going. This is FIVE MONTHS LATER! A couple of weeks after the investigation another $500+ charge was made by the same people - I assume if this had been reported properly it wouldn't have happened. They have sent me 2 new cards and I haven't even activated the most recent card yet. Still no results. I called about this new charge twice, still no report to the fraud department and the charges are still sitting on my card. Can't close this card fast enough. Note: This would not be specific to [redacted] - this is a Synchrony Bank card so I would be careful with any of their programs.

I financed about $3,000 worth of furniture from Haverty's with Synchrony Bank, no interest $85 per month for 3 years promotion. Everything was going along fine until I missed a payment. I sent enough the next month to cover both payments plus the late fee. The month after that I sent the minimum payment plus $65. Today I sent them $90 and received a statement in the mail saying I owe minimum $202, that I am past due $80, and my balance is actually going up instead of down. I called customer service and spoke to a professional sounding Indian man who offered to remove 2 of the late fees. $70 isn't anywhere near going to cover what they say I owe so I asked to speak to a supervisor. I sat on hold for about 5 minutes and then Natalie comes on the phone sounding very flat and bored. I explain the situation and she is immediately the voice of "No." She tells me that I was not entitled to have any of the late fees removed but that she will remove them only because the previous person agreed to. I explain to her all the payments that I've been making and she interrupted me several times, spoke over me several times, would not even acknowledge that I've been paying more than I should for something that was only supposed to cost me $85 a month. I mean really? I sent you $90 today, $150 last month, $170 the month before that and you have been considering my payments late for several months now? You have got to be kidding me! But Natalie keeps interrupting me to tell me to "read the Credit Act" and trying to convince me that the way they are screwing me is perfectly legal. I try to establish that I should only owe $37 for that one late fee, since she is taking the 2 others off and they just got $90 from me today. Again she says no, I still owe the $202, the late fees won't come off until next month and then I will owe $112. She never explains where that number comes from. She makes it obvious with her tone that I am an inconvenience to her, she is frustrated with speaking with me, and maybe if she treats me bad enough I will never call back and ask to speak to customer service, let alone a supervisor, again. I tell her why don't they just come get this furniture then, it's not worth this trouble. She interrupts me midsentence to tell me to take that up with Haverty's. I tell her I will be taking it up with them. She asks if there are any other questions or concerns she can help me with. I tell her she hasn't helped me with anything. She repeats "I asked you if there were any questions or concerns I could help you with." I tell her that is my concern. You haven't been helpful, you've been rude to me, you've interrupted me this entire conversation and spoken over me." She fake apologized "I'm sorry if you feel that way" I say No, I don't feel that way, that's what happened. Those are facts. Then I tell her goodbye and to please disconnect the call so I can take my survey. She rudely informs me that there is no survey since the call had to be transferred to her and tells me to disconnect. I told her I would not be disconnecting the call in case there really as a survey and she was lying, that she had completely lost my confidence in her and this company. She told me she would be making notes and then she hung up on me. Then I come here and see 572 other negative reviews, this company is about to wreck my credit! I've been trying to catch my payments up for months and it's obvious that I will never be able to get caught up.

I have been paying my bills on-line for over a year, without an issue. That is, until Synchrony Bank took over. I set-up payments every 2 weeks. Obviously, if it is a monthly bill, 28 days should be sufficient for a payment cycle, plus 2 extra payments through out the year. It just so happens that my last payment, which was 7 days AFTER my due date was credited to the PRIOR month's bill. So now I only have 22 days to make 2 payments. I set up payments months in advance, so I'm not late. Now my same-as-cash account will be charged fees and interest because they take your payments up until 7 days AFTER your due date, but they will still tell you that the account is PAST DUE. Defies all logical reasoning. VERY UNHAPPY with their customer support.

I would strongly advise anyone to never do any sort of business with Snychrony. I have a couple cards with them, one not by choice. The first card that I got from Sycnchrony was my amazon card and I have had nothing but trouble since day one. Once a month Synchrony decides to close my account for no particular reason. Each time I call I spend at least half an hour and its always just running in circles mostly because I cant understand what the person on the other end is saying. The wait times are also pretty ridiculous, One time I was on hold for 45 mins. Im sure they were hoping that I would just hang up. They always tell me its a glitch in the system and promise that it will never happen again but unfortunately that is not the case. My second card is a walmart card. This is the issue that makes me the most upset. I applied for this walmart card one time and I was declined. A couple of months later I checked my credit and saw that I had an active card through Walmart/Synchrony Bank. I called about the card but when I gave them the information they told me that all the information was correct except for my name. I then asked them to close the card but they told me they could not because it was not in my name. So I asked what I had to do to change the card in my name and they said that in order to change the name the card had to be in my name. It makes no sense at all. I asked them how this mistake could even happen and they the operator said that they dont really look into it as long as most of the information adds up. Kind of ridiculous. So im currently stuck with a card that isnt even in my name and there is nothing I can do about it. Dont waste you time or money. Its just a matter of time before they close anyways

Since they have taken over Lowe's credit card customers, nothing but horrible business and services. I get several calls yesterday from their customer services number, yet not knowing the number, I did not answer. No voice mails left. Thus, last night around 6pm, again another call from that number, but finally a voice mail of who it was and what it was in regards to. I called them right back and was told my account was delinquent.....but due on the 25th (today is the 19th). When I questioned this, they told me I had not made a payment for the month of October and thus late payment adding to my bill. First, I had made a payment for the month of October (I always pay my bills) and my account shows that it cleared the bank. I never got a call in November alerting me of the no payment they spoke of for October. I did notice the increase due for my month of December statement, yet had not had the opportunity to questioned it yet. But, to call me before my December bill was due and "push" that I pay it at the moment I spoke to someone...rude/insensitive/pushy and down right NOT customer friendly!!!! I asked the customer service rep. what my monthly payments would be after I brought my account up to date, he stated he could not tell me because I had not made a payment???? I work in customer service daily for the past (20+) years and to have both customer service reps have a tone with me that was shaming/scolding and to be treated as if I don't pay my bills on a regular basis....I will make sure I pay the outstanding balance for this card when I receive my tax return and never do business with a company that let's Synchrony Bank handle any finances/credit cards for them. I will share my experience with Lowe's directly and with family/friends and coworkers.

I have spoken to three different employees in the probate department and received three different answers to the same question.
March 2015 I was given the wrong mailing address for a payment. The payment was returned four weeks later with a letter requesting more information.
May 2015 I was told to mail the payment to a different address, include a letter and account number which was provided to me on this occasion. I was told I would receive a letter in 15 days which then had to be filed.
June 2015 I was told by another person that the letter hadn't gone out and I would have to check with the agency it was going to. When I explained about the different instructions and procedures, the employee became dismissive.

As a woman with dozens of credit cards, I can tell you that My Synchrony is the absolute worst! I opened this card at Sunglass Hut to save 15%. The website is extremely confusing. Getting a hold of customer service is mission impossible. Today I waited 10 minutes to speak with a representative. I was charged a late fee, despite making my payment on time. The representative refused to remove the late fee. A pair of Sunglasses that I thought I was purchasing for $160 ended up costing nearly double because of random charges that were given to me without explanation. I never missed a payment, so this was extremely upsetting and unfair to me. I have already closed my account since I cannot even send a complaint to the company via the website and I am fed up with speaking to call representatives that can barely speak english. By far the worst credit card company I have ever dealt with. They can have their $30 late charge, but they lost me as a customer forever. I will be sure to warn everybody of this bad company. Don't waste your time or money with this company! They will ruin your credit and instead of saving you money it will cost you a lot more...

I was making some online purchases and my credit card was declined, during the time it took to contact the online purchaser to find out my card had been declined and then contacting Synchrony, a few items in my online cart sold out. Synchrony Bank told me that it was for my protection that they declined my purchase. They didn't contact me in any way (Citibank will text me to confirm a purchase for approval, American Express calls me). I also tried to sign on to my online account for Synchrony Bank (GAP credit card) as I had just received an email stating I owed $32. I was concerned, since I knew I had a low balance on the card, that perhaps it had been stolen. Synchrony Bank blocked me from accessing my information. SERIOUSLY? When I asked on the phone about this I was told it is for my protection. I said, you are protecting me FROM me? You work for me! You earn your money from me!
So, needless to say, I've closed the account.

I bought a set of tires on promotion recently and I received a payment plan, unfortunately with Synchrony Bank. After I submitted the first payment of $100, and all notifications and automated phone service robots lead me to believe that the payment had gone through, I was content. Then I got charged a $25 late fee. After a frustrating phone call they waived the fee. When I payed again, this time the full credit amount, everything seemed fine. Until today, when I received another late fee of $25. I received multiple letters in the mail telling me my new balance was $0.00, but come to find out that I still was not charged and hit with another late fee. I called their crappy automated service and was put on hold for customer service. I waited a half hour ON HOLD to be met by an automated message that told me their offices were closed. Now that is just the last straw. I, will never have anything to do with this company and neither will anyone I know. ZERO CUSTOMER SERVICE! ZERO!

Synchrony Bank acquired the BP card from Chase in May, 2015. In less than one month I have already been victimized by credit card fraud. I even contacted Synchrony to inform them the charge was fraudulent, but they allowed the charge anyway. The web site looks and feels like it was designed by a first grader. They do not even allow in line charge disputes. You need to complete a form and either fax it or mail it. They closed my old account due to the fraud - good; it has been six days and I still do not have my new cards - very bad. When fraud happened on my Chase account I had new cards the next day. If you have a choice concerning credit cards, don't choose this bank.

BAD experience: Ive found out about the mess created by this bank while calling to my Discover card. I've found out, that The Synchrony bank opened and activated a Master creadit card on my name without my knowleadge of these Master card existance. I never received the Master Card from them, they'e claimed i've activated. Synchrony Bank confirmed...."the MERGE" ... Really? Basically this bank replaced/locked my existing Discover card and opened/activated their Master card on my name. All of it without my knowladge. It took me over 2 hr on a phone with them and to cancel the Master card, which I did not receive, was not aware of or activated to begin with. Their automated system is useless and wierd functioned. There are no complains can be opened ower the phone even if you've got lucky to get to a "life" person. Some representatives might pretend opening a complain ... but, I called back to check. My complain did exist and there were no commnts added to the call update. They did not provide me any number on a complain when ive requested it. One of representatives even told me that someone will follow-up with me on my complain. I am still waiting........ at the end.. NOTHING beside giving me a PO box# where I can sent all written complains to. Their customer services is a bad jocke. The man I was on a phone with raised his woice on me multiple times. Ive ended up closing both Discover and Master card associated with their name. My personal adwise -- you hear Synchrony name - RUN. I hope I never have to deal with them again.

I shopped at Banana Republic, and they talked me into opening an account with them, but did not know that it was an account with Synchrony Bank. When I received the card, I immediately notified them and cut it up and told them I was not interested. I paid whatever there was on the card, and this is part of the letter I just received from them. I do not find them trustworthy.

As of 10/22/2014, your account has been closed per your request. We have notified the major credit reporting
agencies of this decision. Please be advised that as of the date of this letter, the balance on your account is
$0.00, and monthly billing statements will continue to be sent if there is a balance on the account. You are
responsible for any balance on the account until the balance is paid in full.
We appreciate you as a valued Banana Republic Visa Card customer and hope you will continue to shop with
us. If you have any questions or if we may be of further assistance, please contact us at the toll free number
below.
[redacted]

Thank you Synchrony Bank. My Chevron Acct was taken over by you. I recently was approved for Sams Plus Mastercard. Absolutely no complaints. Paying accts online never a problem.

Take care of your credit, and it will take care of you when you need it.

Treat your creditors with respect by paying them on time, preferably before it is due if possible. Don't carry excessive balances, and if for what ever reason you incur a large charge to your account, pay it before the statement closes.

If you want respect, be respectable and remember credit is not an open check book.

Its a loan.

Pay it on time, everytime and you will not have any problems.

Used correctly, credit is your friend.

Take care Synchrony, and thank you!!!

I have a couple of cards that I received when GE was still the holder of my cards. I always pay on time. I applied for a card through Ashley Furniture and was denied. Now the Synchrony is running things and after reading all of these other reviews I am thinking this place will be losing all of my business as I am now going to pay off all my accounts(that are in good standing) and close all accounts with this company. Synchrony Bank it looks like you are burning bridges and losing customers fast.

I was recently encouraged by Sam's Club to open an account, a Sam's Club Mastercard, that would provide cash back options on purchases. I initially declined the offer but eventually agreed to the card since I was pre-approved and the Sam's Club rep said it was really good rates and I could save a lot of money. I was sent to the Customer Service desk to retrieve my card. Once I arrived it took 15 minutes and a hard credit inquiry hit my credit report which I did not appreciate. I had to forfeit my Sam's membership card and was issued a new temporary credit card on the spot. I was told that they didn't know the interest rate yet but it was very good. The purchases of that day were required to be charged to the Sam's Club mastercard. A few days later I received my Sam's/Synchrony credit card with no interest rate information. A week later I received my Sam's Club/Synchrony statement and found the interest rate to be 22.9% for purchases. This is hugely insulting as I have an excellent credit score and I consider the rate to be very high. I called the Customer service number for Sam's Club members at Synchrony Bank. After 23 minutes of my time and 2 different associates being invloved my card was finally cancelled at my request. I am now told I have to make a personal trip to Sam's Club to get a new Sam's membership card issued. This customer service is terrible and Sam's Club should not treat their long-term good customers to this treatment. Sam's Club should not push customers to charge purchases. Sam's Club should not promote 22.9% interest charges for any financial institution. This is not a service but a penality. Too bad there is not a Costco in my local area.

Have two separate accounts with Synchrony through two different retail establishments. I spent over two hours on the phone today trying to dispute a charge on my account. To say that the "customer service" was terrible would be an understatement. After being transferred 4 times, dealing with 5 different agents, being hung up on, being told "well I''ll show you" before I was hung up on, I am not in the least impressed. With a negative rating of 94%,a very poor customer service rating and over 4500 complaints I find it hard to believe that the Revdex.com rates it as A+

I've tried on 3 occasions to transfer funds from Synchrony Bank to my other external bank account. I never received any notice that the transfer did not go through and that there was a problem. I sent a message and received a reply stating that my address was incorrect. I called to confirm my address. The address that the representative had IS my correct address. I was then told that I could submit another transfer request but would have to wait 3 - 5 business days for the, "restriction," on my account to be removed. I decided to close my account instead. This is a very bad bank to try and do business with. Could this be an FDIC violation to refuse me my funds??????

My Guitar Center card was taken over by this "bank". To start with NO ONE informed me that this was going to happen. It fell right on a payment cycle. So I was afraid I would get charged a late fee. Secondly when I called the number for this "bank" I was forced into a conversation with a automated system. The problem I have is IF I wanted to talk to a human Synchrony wanted to charge $10 just to do so!! This is outrageous! Banks that do busine like this I consider predatory! As soon as my balance is paid, I'm cutting up my card! Also has anyone looked at the privacy terms and all of the things a user cannot opt out of?!? Shameful

Synchrony Bank is the biggest scam ever!!!...I've tried to file two dispute on two purchases I made with a merchant ([redacted]) both items broke within less than 30 days and they denied my claim!..So don't even try and get your money back from these vultures!...They will just laugh! NO, BUYER PROTECTION HERE PEOPLE!.. Remember that when you go to make any kind of purchase with their Cards!.. Your item Breaks, you are SOL! Thanks Synchrony Bank, YOU SUCK!!