Synchrony Bank (Formerly GE Capital Retail Bank)

All I can say is horrible!!! The are typical of any financing company, poor customer service once you sign the dotted line. I have called multiple times to determine where I can use their financing options and have received 3 different answers. The comical part is, every answer contradicts their website answers. Pretty sad when they can even tell you where you can use their product.

I would advise Synchrony to develop a better training program for customer service reps and allow more transparency into their operations.

All in all, I would not use their service again.

Watch out for shifting statement dates. When you schedule your payment to post on the day the statement comes out, they like to hold the statement back a day - and then they tell you that you have to make ANOTHER payment - even though you already made one. Total garbage customer service, attitude and horrible phone manners pretty much tell you you're out of luck.

Basically, you get PENALIZED for making your payment ON time, and penalized for being late. Utterly ridiculous.

I have several cards under Synchrony Bank and am consider cancelling all cards. I paid off one card on my paypal credit card and the day I paid it off they took my credit down from 200 To 100. I paid my Sams credit card on time and its on a automatic payment. They charged my account on the 10th of January and again on the 12th of January. The received the payment on the 10th and caused my account to go into overdraft on the 12th. I called and they told me I authorized the 2nd payment. I DID NOT. They penalized me for the overdraft and closed my account for no reason. I paid on my Walmart card on the due date in Nov and they tacked a late charge on the same day. I had to call to correct that and make the payment in the store. I hate this bank and do not like they way they do business. No wonder you have 176 complaints.

Do not use Synchrony Bank!
We had opened it when we purchased furniture from Ashley Furniture, even though we had the money, we figured take advantage of the 0% interest and just make monthly payments.....would have been cheaper and less of a headache to have just paid it in full!!
I paid my monthly payments on time and was charged late fees anyway. They stated that my payments were not being received on time, they were scheduled automatic payments done at the same time each month. Synchrony would take too long to process the payments and turn around and say I was late! I had my bank fax them statements showing that Synchrony had the money in their possession on time. Synchrony stated the late fees would be waived, and low and behold the next month the late fee were still there along with another one! When I called to explain the situation, I hit a dead end, no matter who I spoke with they would not remove them and I tried numerous times!!! Then the phones started! I would receive up to a dozen calls a day letting me know I had to make a payment!
I even had a difficult time paying the balance off, they wanted to charge me a fee for that!!
Do not open an account with Synchrony Bank!!!!

I opened an account at the request of a merchant in Hawaii with Synchrony Bank in January of 2015. This was in order to receive a 10 % discount on a purchase. I received a credit card in the mail, which I cancelled. I also asked at that time for a bill or an invoice from them.

As of todays date, February 18, 2015, I have received nothing in the mail. What has happened is a series of computer telephone calls requesting payment. Don't these people send out invoices or statements? Have been on hold with them now in an attempt to speak with a person for more than one hour. They do NOT seem to understand the concept of customer service.

[redacted]
Durham, N.C.

When I opened my accounts online I tried to make my transfers but I couldn't the system told me I needed a code I try calling for three days they never answer until they do it was a Horrible customer service! I waited about 50 minutes to speak to a rep. I only wanted to talk to a rep to tell them to simply CLOSE MY ACCOUNTS! The rep told me she was busy assisting other customers on closing their accounts that it was the reason she took to long to help me hehe I finally close my accounts thank god!

Horrible service, Customer service is in India made a large payment to pay off my account and was quoted different days before it would be available been waiting to buy a new bed and still waiting after 2 weeks and keep getting people in India that do not offer any assistance and are not willing to help what the hell is going on with this bank they are a joke they will quickly take your money but treat you like dirt Beware! Not only would I Not reccomend I wouldn't wish this bank on my worst enemy forgot about it!

I recently opened a new account. I admit I was a bit leery about their Customer Service after I saw the reviews. But, my experience was very positive. I talked to two different Customer Service Representatives. My questions were handled in a very prompt, professional manner. I was dealing with a complicated situation and it was resolved with one telephone call. I was just on hold for a minute or two.

I find synchrony's rates usury. They tried to charge me charge me $180 extra on a $400 bill! for 2 late payments! I tried to speak to them and they reduced it $40. This is not acceptable business practice as far as I am concerned.

Due to unforeseen circumstances, I was forced to declare bankruptcy. Prior to this, I have had multiple credit cards, all paid on time and many with zero balances. I made absolutely sure to have my Synchrony Bank cards NOT listed on the bankruptcy. Much to my surprise, ALL of my accounts were closed with no notice or reason . A call to customer service and speaking with"[redacted]" who stated it was the policy of the bank to close all accounts listed in a bankruptcy. I explained that these cards had had zero balances for months prior to my filing and that my attorney made sure not to list them. However, after 2 YEARS, I can apply for another Old Navy, Amazon and JC Penney card. Yea, I don't think so.

I have had the Gap card since 2012 I always pay on time and always pay more than the minimum amount, I made a payment of $1400 and then I looked at my statement, and they lowered my credit limit to 400 after I made the big payment. I was going to use this for my vacation now I can't go because I put all my vacation money on this card. Horrible business practice. How can you lower a card that much when I pay on time every month.

I have a Dick's sporting goods master card and have been paying on line for 2 years. Synchrony bank is the issuer. After they issued a new "chipped" card I somehow lost the ability to log in and pay on line.First they tried to tell me I was not registered with the site,then they tried to tell me the site did not recognize the exp.date of the card,information that is not requested at log in. Then they claimed that a new user ID and pass word would be sent and this would fix this.It did not. I still have to call and pay by phone (a cost option if they don't waive it) . These people are clowns.Don't waste your time with them. Don't give this company any of your hard earned money there better options.

This company is quite awful. The interest alone is outrageous. I made the best efforts to pay this card off as soon as possible. This wasn't some luxury item I purchased, this was dental work that had to be done. After making my payments, random amounts towards the end to finish up with interest charges, they still found a way to charge me more. I used the online and auto pay, yet I still was charged more. Please please do not use this company. If your dental office offers a care credit, run the other way. I would rather donate a kidney than use this company.

DEALING WITH SYNCHRONY FINANCIAL HAS BEEN THE WORST LOAN EXPERIENCE/NIGHTMARE OF MY ENTIRE LIFE. I WOULD NEVER ADVISE ANYONE TO TURN TO SYNCHRONY FOR ANYTHING EVER! IF I EVER HEAR ONE OF MY FRIENDS OR FAMILY MEMBERS DISCUSSING THE POSSIBILITY OF TURNING TO SYNCHRONY BANK FOR A LOAN I WILL SHOUT IT FROM
THE ROOF TOPS THAT YOU ARE HORRIBLE GREEDY BLOOD SUCKERS PREYING ON PEOPLE IN NEED AND THAT YOU HAVEN'T GOT THE TIME OF DAY TO LISTEN TO YOUR CUSTOMERS OR DISCUSS ANY QUESTIONS OR CONCERNS THAT EVER ARISE. ALL YOU CARE OBOUT IS ROBBING PEOPLE BLIND AND NEVER LOOKING BACK. MY BLOOD PRESSURE RISES AT THE SOUND OF YOUR NAME. I PAID MY LOAN BACK IN FULL AND YOU CAN BET YOU WILL NEVER HEAR FROM ME AGAIN EVEN IF I HAVE TO GO HUNGRY A NAKED!!

Okay I am an amazon fiend. I was excited to get an amazon card which I've had not even a month yet. Now I'll take the some of the blame but my card was completely closed out recently without a notice. My first bill isn't due until June 10th. Back in April I made an early payment to get a head start on paying my balance. Now I'm active duty military and I have this thing I do before I deploy to have my money going to a separate acct, so when I do use my card overseas and my card gets corrupted or stolen it won't affect all of my hard earned money, well I forgot to switch my monet back over after deployment. When I made the early payment I used the empty acct which is not empty but the funds are in a separate part of the acct. Confusing I know but it's how I cut down on chances of losing all my money while deployed. Well synchrony was unforgiving. Even though I had no past due balance, no maxed out balance and ready to pay the card off, they didn't want to hear it. They said there was no way in hell it will be turned on. The supervisor was a jerk and unprofessional. So needless to say my amazon card excitement is gone.

I've been a customer with Synchrony Bank for a few years now and the customer service department is completely horrible to deal with. I mad a payment of $250, which is a lot more then the minimum payment due at the beginning of may and because in was on the day my new statement begun It was put towards marches payments and because of this I was charged a late fee for May and now owe a double payment. It just seems itic that I was charged a late fee even tho I made a payment. I called and spoke with a few people and they where very rude and unable to help. Once I pay this account off I will be closing it and no longer dealing with them. What a horrible way to treat your customers.

In November I mailed my last payment to Synchrony Bank a week before my payment was do. The following month I received a new statement from them with just a late charge. I checked when my payment was received and it was one day late. I paid this fee fee and requested they cancel my account and will never have anything to do with them again. Obviously they used the Christmas mail rush to extort a late fee from me.

I have terrible credit and had a medical emergency. I got approved for $500 on this card. They have me 1 year with no interest.

The promotion ended on 2/18. I fully intended on paying the balance then on 2/19 I realized I spaced out the payment.

When I called the CC they waived the interest!

Super great company!

As others have said, be very vigilant about how your money is allotted. We have a Care Credit account and since Synchrony took over, I have called to make sure I was paying promotional balances off properly. Did not happen. Given wrong dollar amounts and then they don't tell you that you have't paid enough. At 27% interest. predatory lending and bait and switch. I can't pay this last card off fast enough to be done with them.
The sad part is that we had ZERO say in this because GE/Capital sold it to them.
They are rude and condescending on the phone and not helpful in the least
HORRID HORRID company

Their customer service is awful! They have an automated system first which takes at least 5 minutes to get through, then you have to not answer any questions or keep mashing zero just to speak to an actual person. The reason I called is because I couldn't sign into my account, so I used the forgot password option on the website. I received an error saying my account was not available for online access. When I finally was able to talk to someone they said I had to wait two hours then call back again. So I did.

My second call was just as unsuccessful as the first. They cannot send you a password reset email as "their system does not have that function or capability." Their recommendation again was to try back in two hours.

To not have the ability to reset a users password from the administrative side is totally unacceptable in 2015!

If you are offered a line of credit from a retailer using a Synchrony Bank (GE Capital) credit card, think long and hard as they are the worst credit card company I have ever dealt with! Their customer service is abysmal, their online portal is horrendous as I was also unsuccessful when I first set my account to make automatic payments. I will not be doing business with them again nor will I ever recommend a friend to their credit cards.