Synchrony Bank (Formerly GE Capital Retail Bank)

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.

I recently had some credit card items I was disputing on my Sams Card which is issued through Synchrony Bank. I was not made aware when I closed my account I would forfeit the $109.00 in rewards that I earned. I think this is a horrible way to treat a long term customer who by the way, closed her account but is still making payments on the balance. After talking to a customer service agent and Supervisor, all I kept hearing was this was company policy. WOW really, it's company policy to not credit a customer for rewards their earned for the year? It sounds pretty shady to me. I have to say since synchrony took over the Sams credit card, the service has clearly slipped. I hope Rosalin [redacted] listens to phone calls more in this call center, to help improve the level of customer service and treatment of customers. This is crazy. I feel like not only did I get a fraud charge on my account but now the company stole $109.00 of my money, but keeping my rewards. Same on you for giving it to your customer.

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.

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 know my english is not like Shakespeare but the customer services people from this bank is really bad accent and communication issues are very common;

The website function is horrible. I forgot my password and called up. They said they had no authority to change it. I requested to speak to technical support. None. Till the fourth time, I determined to pay off the entire balance in order to avoid to call them again. There was only one agent Joe being very patient and nice to me. The rest just put me on hold when I requested to speak to Supervisor. There are no system and decent customer service whatsoever in this bank. I should have paid off my entire balance right from the beginning instead of trying to use this bank or at least come over here to check the review of it.

I purchased a sewing machine for my wife with Synchrony bank extending the credit. My payment is due on the 13th of the month. Since July 2016, my first payment, I have made my payment between the 7th and 9th of the month. During December 2016, because of holiday expenses, I made my payment on the 16th. I was assessed a $27 late fee. The following month, my payment was made on the 9th without the late fee. I was assessed another late fee of $27. I received a notice on 1-24-17 regarding the status of my account. On 1-26-17, In contacted Customer Service at Synchrony Bank to discuss the problem. They were inflexible and advised that they are authorized to assess late payments on late payments and will not amend that policy. I expressed my lack of satisfaction with them and advised that I would make the full payment they are demanding with the Feb 2017 payment. On 2-1-17, I received a call from Synchrony Bank demanding immediate payment over the phone to prevent additional late fee and credit collection fees. I find this conduct reprehensible and offensive.

I have credit card through this bank for Rooms to Go, put it on auto draft, 3 months later got a bill station overdue balance, called them and got online with them and made payment all fine, 6 months later changed banks, changed info online, In Jan got a statement saying over draft for Nov, Dec, called made payment ask him was it not on autodraft I was told yes but they tried to take it from old acc/ next month was notified through fraud alert credit activity, they reported to credit bureau I was late on payments, knocked 161 pts off my credit score, I have disputed, and after talking to the acc manager at Synchrony was told to send a letter to the Corporate office did that, them called bank and was told she could take care of it in 7-10 days, Do not trust their online banking and would not recommend getting any credit card with them. The account was paid in full and on my statement is showed it was drafted 12/21.

In have a TJX card with Synchrony bank, they are the worst bank I ever dealt with.
their customer service Is terrible, out of the states, terrible to understand, rude and not helpful at all, you need to call them several times to resolve one issue. Statements are mailed late all the time, you receive them a couple of days at the most before the amount is due, and very often you don't get a statement at all, I swear they do this on purpose to collect late fees. I receive regularly every other statement except for Synchrony bank. I hope that TJX changes banks very soon, I am very close to canceling this card even though these are my favorite store.

I would not recommend any cards through this bank. This bank closes and lowers account limits when you decide to pay them down or off.

In an attempt to improve my credit and purchase a home, I began paying off and paying down credit card balances. I owned an American Eagle card through this bank and made all payments on time. Once I paid off the balance, I received a notice in the mail that my account had been closed due to my credit information. Well, I have been loyal and faithful with payments on my accounts, so why close them based on other credit information. Also, I own an Amazon and Walmart card, which unfortunately this bank holds. I payed down my balance on my Amazon card as recommended by my lender to raise my score. Well, they lowered my limit on the card. So now, my credit report will show I am at the limit again.
I have made all my payments on time and how can one improve their credit, which is being used against you by this bank, if they use these kind of practices. I guess I will just sit and wait for them to continue to hurt my attempts to improve my credit to purchase a home as I pay down all accounts owned by them and they close them.

WORST CUSTOMER SERVICE AND AUTOMATED SYSTEM EVER!!!!!!! I spent 5 minutes trying to navigate the automated menu to get to a representative. I am trying to close my account for just one card, not all of them and the system said it will close all the accounts and I would have to reapply for any that I still want. 15 minutes into the call so far and I still haven't talked to an actual person. terrible, awful, worst customer service I have ever experienced with any company or any other credit card provider. from now on I will specifically avoid any and all cards that deal with synchrony financial. waste of time dealing with these people. Never again. Once these are paid off they are gone for good. I would rather move to a third world and live in a mud hut than get another card from these people.

Problem opening account.

I went through the online account application entering far more personal information than other online banks require. The application failed and I was told to call the bank. I called and they asked me more personal information but still could not open the account. They promised to call me back, but they have not called for the past seven days. I went back online and opened an account with AMEX savings. That opened immediately as did another with ALLY bank Don't waste your time with Synchrony bank.

I signed on for an Amazon credit card just to save $20 or so on an item and to watch Amazon streaming videos, little realizing that this would create a relationship with a bank that has been nothing but trouble. Even trying to pay off and close the account has involved hours of phone torment trying to reach a live person, being transferred BACK to their ridiculous phone tree, finally getting another live person who drops the call and on an on down a tunnel of anger and despair until today when I finally reached poor Steve Walter who had to take the brunt of my anger. Oh please just tell me it's over and I will never never never deal with Synchrony again. And, yes, I will write Amazon also.

Please make sure that you understand how payments are being allocated to a Lowes Consumer Credit Card. I have a promotional balance that is to be paid in full in 84 months. I also have 3 promotional balances that if paid in full by the end of the 18 months will accrue no interest. I have been paying in well in excess of the minumim payment due on the 84 month balance, believing that the 84 month payment was a fixed payment to be paid in full at the end of 84 months. Any payment above that minimum payment would be allocated to the other promotional balances. That is not the case. Most, if not all of the monthly payment was applied to the 84 month balance leaving the 18 month at 0% interest unpaid. Synchrony applied my payment each month to a balance that had an interest rate of 5.9% and applied a nominal amount to the balance that if not paid in full by a certain time would charge 24.9% interest and add the accurred interest into the balance. This sounds quite confusing and it is....just beware...make sure you know how each months payment is being applied! A fixed rate and payment is NOT how Synchrony works.

I had a terrible experience with Synchrony bank. I had made a last payment on my account electronically on their website and the payment was processed only t0 find out that it did not show up the next month and I was charged late fees - finding out only after I received late notice from bank with stated fees. I was surprised since I had made all my payments timely to this bank in the past and thought my account was 0 balance.. I wrote letter to Synchrony Bank after trying to call them on phone to resolve issue and close my account, This is poor customer service for a bank to conduct business this is wrong --I should have read all the other couple hundred negative reviews where people have been given fees and charges before doing business with this bank.. Synchrony Bank wrote me back and said they were unable to do this and the fees will remain but they want me to continue to do business with them --- are you kidding.....
I want individuals to know to stay away from Synchrony Bank. You will find yourself with added fees and charges for making payments timely -- look at the other reviews to see that there is a pattern with this bank -- they can make a lot of money by charging these fees. Terrible way to do business and hurt individuals.

I asked a simple question. Is my account open or closed, and do I owe any money. The first person could not answer the question at all and kept going around in a loop. I called back and was told that I owed money. She transfered me to another department for more informarion. After being on hold for 15 minutes, I hung up and called again. This time I was told my account was closed and I did not owe any money. This is a bank of fools. Do not go there!

Because of the recent adverse and shabby customer treatment by Synchrony Bank our family will no longer be a Lowes's customer. Over the last few years we have purchased a number of large ticket items, e.g. $2500 fridge, $1000 freezer and other items utilizing Lowes' credit serviced by G.E. with never a problem and we always paid on-line. In early August. 2014, shortly after the change to Synchrony, our balance was down to around $150 and a payment was made on time, on line. On August 17th, I received an "ALERT" from my credit monitoring company that Synchrony was reporting to the Credit Bureau that our Lowe's account was not only late it was over 30 days late. Synchrony did not notify us by any means there was a problem. Not by phone, email or anyway. Spent hours on the phone with 3 different reps. each time being told issue was resolved but Synchrony kept reporting over 30 days late. Finally spoke with a Supervisor, [redacted] #4IN, who again said issue was resolved and he filed complaint #XXXXXXXXX, for failure to notify customer. Next notice we received dated 9/14/14, by letter,was that our account was closed. They claimed we made payments that were dishonored but for all the years of payments we previously made, they was always made through the same institution and account number, so there was something they changed on there side because my bank reflected no payment requests had been returned or not honored. Synchrony practices despicable customer relations and now Lowes is going loose future business.

Just went through a week navigating a labyrinth of ineptitude within this bank's customer service department. Spent a total of 3+ hours on the phone, most of it on hold. They closed a new savings account on the same day they cashed the $20,000 check I sent to fund the account. They never notified me that this deposit kicked out as an exception, only sent a form letter days later stating that my account was closed. No CSR could explain where my money was nor why I didn't receive notice of an exception to my deposit. Until I reached a supervisor, I felt as if a CSR's primary metric is to complete a call ASAP and get me off the phone. A supervisor yesterday absolutely guaranteed me that my account would finally be credited for the initial deposit in last night's update. Yet, this morning my account still had a zero balance. I took another hour on the phone with another supervisor, who apparently had to cajole the back office to please credit me with money that Synchrony received and cleared 10 days ago.
This was more than an unacceptable customer service transaction. This was ineptitude bordering on fraud. How dare they take my money, yet fail to give me an accurate accounting of it. I would not recommend doing business with this bank until they completely revamp the tools/training used by CSRs, who are really the customer's lifeline in an online banking situation.

Synchrony Bank clearly boasts one of the worst if not THE WORST credit card customer service and support operations I have ever encountered. Foreign call centers send you down endless gerbil-wheel-inspired "security" and "identity theft" hoops and hurdles that inconveniently and ridiculously require you to receive and return over the telephone numeric "codes" in order to reactivate your card after it gets constantly and inexplicably declined at gas pumps and cash registers or, worse, cruise ships in the middle of the ocean, simply because, as they put it, "we need to verify your identify" again and again and again... as if paying them in full every month, or informing them of impending travel beforehand, or calling them ten times a week to reactivate their annoying card isn't enough. What's next? E-mailed DNA samples on a weekly basis? In short, Synchrony Bank has taken what little fun was left in plastic purchasing power and turned it into a Kafka-esque nightmare of induced sweats, stress, and needless aggravation during critical transactional times, such as those involving travel, which they promote themselves at Sam's Club as specializing in when this couldn't be further from the truth. My Visa card from Chase got my JetBlue business last week after Synchrony inexplicably declined the transaction online. The phonecall afterward to a guy in Calcutta turned into a veritable swamp of condescension and Alice in Wonderland twists and turns, proving yet again that Synchrony Bank is a mindless, clueless, and utterly unresponsive machine rooted firmly in the spirit of stupidity and needless aggravation. They don't deserve our transactional business. Funny enough, they're denying themselves this transactional business every time they decline the purchase of an airline ticket or a gas pump purchase, so this village it will eventually bury itself if it doesn't catch up to the 21st century of credit card servicing and banking. And, honestly, would it kill Synchrony Bank to employ just a couple capable American citizens to answer their phones when servicing legitimate consumer concerns and complaints? I mean, Synchrony Bank was once GE Capital, and their humble origins were paid and paved for by farmers turning on the light bulbs at night to read the good book. So let's honestly make America Great Again. ;) Let's start by hiring credit card call center PROFESSIONALS who actually understand what's required to get the job done in an American purchasing arena, including Synchrony's own. Thanks, Synchrony Bank, for almost ruining my last vacation. Plain and simple, you suck. And badly. I gave you more than enough chances to redeem yourself, and so I'm never using your card again. Life's too short for such unsavory [redacted]. You make Discover Card look good again.

I became a customer of Synchrony Bank when I applied for their Blain's Farm and Fleet credit card December 2015, , used it for Christmas, maid my monthly payments, then paid card off in Full , March 2016.. I hadn't used the card, planned on saving it for holiday buying only, today August 24th I received a letter in the mail from Synchrony, the closed my account, with multiple excuses, too high of balances, delinquent, revolving credit, all of which is Not true, I called Synchrony, spoke with a representative, she said in her words, the reason for closing my account, was due to the fact that I had not used the card in 6 months.. how is this legit, I'm building my credit score, now they have flagged me. And basically tied my hands. My son's birthday's are all coming up within 2 weeks to a month, now I will not be able to provide... they did this to me last year on another card I had, the moment I paid it off in full, they dropped me... their letter always states the same, but when you talk with a representative, it's due to the fact that you're not using their card enough.... I'll stick with Capital One!