Synchrony Financial Bank Collection Complaints?

We Stop Unwanted Calls and Debt Collector Harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Synchrony Financial Bank
Synchrony Financial or Synchrony Bank is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

Who is Synchrony Bank?

Synchrony Bank offers consumer credit through a variety of retailers and banks. Synchrony Financial’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. If you have been contacted by Synchrony Financial or Synchrony Bank, make sure you know your rights before responding.

According to Buzzfile, Synchrony Financial was founded in 2013 in Stamford, CT and generates an annual revenue estimated at $13.6 billion. According to its website, Synchrony’s “roots in consumer finance trace back to 1932.” The Better Business Bureau (BBB) confirms 1932 as the founding date of Synchrony Bank in Kettering, OH. Alternate business names for Synchrony Bank include Care Credit, PayPal Smart Connect, PayPal Extras MasterCard, and Retail Finance International Holdings, Inc.

Synchrony Financial provides “a range of credit products through programs…with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for [their] partners and offer financial flexibility to…customers.”

Synchrony offers consumer credit services in three areas. Their consumer credit department offers credit cards specifically tailored to meet the needs and preferences of shoppers and consumers. Site visitors can apply for retail credit directly on the Synchrony Financial site by selecting a shopping category and applying to one of Synchrony’s credit programs to complete the purchase. Their CareCredit program allows consumers to use credit to pay for cosmetic surgery, dentistry, hearing, vision, and even veterinary services. Finally, they offer a variety of investment and savings accounts ranging from high yield savings to IRA money market investment accounts.

For businesses, Synchrony offers credit card programs tailored to meet the marketing needs of specific retailers, including installment loan programs; Synchrony Connect, a proprietary financial consulting and investing service; loyalty programs that offer subsidized marketing and advertising services; and financial servicing options for healthcare providers who chose to enroll in CareCredit.

Complaints against Synchrony Bank

Since March 2015, the Consumer Financial Protection Bureau (CFPB) has logged over 3,100 complaints against Synchrony Financial, ranging from billing disputes to marketing and advertising complaints to problems with communication tactics. The BBB’s profile page for Synchrony Bank lists 4,819 complaints closed in the past three years, with 1,397 closed in the past 12 months. Most of these complaints were about billing and collection issues, but also included complaints about advertising and customer service. Of the 865 customer reviews, 815 are negative. Justia lists at least 35 cases of civil litigation that name Synchrony Financial as a defendant.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

Sample Case against Synchrony Bank

In 2016, in United States District Court for the District of South Carolina, Charleston Division, a plaintiff filed a complaint against Synchrony Bank alleging that Synchrony’s financial activities in violation of the Fair Credit Reporting Act (FCRA) constituted defamation of character. The plaintiff underwent a surgical operation and claimed that a line of credit was “improperly opened in his name” to pay for the operation. Synchrony Bank subsequently reported negative information about account repayment to the credit reporting agencies, which the plaintiff argues was sufficiently negative and inaccurate to rise to the level of defamation. Synchrony cited a provision of the FCRA that states, “no consumer may bring any action or proceeding in the nature of defamation…against…any person who furnishes information to a consumer reporting agency.”

Despite a second similar FCRA provision, the judge noted conflicts among interpretations of applicable state and federal laws. He also noted the plaintiff’s insistence that Synchrony’s “false reports and furnishings of information to the effect that Plaintiff owed money was done with malicious intent, that intent specifically being to coerce Plaintiff to pay money he did not owe.” Although Synchrony objected that the plaintiff had not offered evidence of malicious intent, their objection was raised too late for the judge to have considered it in his reply. As a result, Synchrony’s motion to dismiss the charges based on the FCRA provisions was dismissed.

Press Releases of Lawsuits Brought On By Lemberg Law Against Synchrony Bank

June 16, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Western District of New York. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. It asks for $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages and other relief.

The Telephone Consumer Protection Act was written and its rules were promulgated to ensure that consumers aren’t harassed by unwanted phone calls. Yet our client says that Synchrony Bank called her cell phone using an automatic telephone dialing system and/or using a prerecorded message. She says that Synchrony Bank left prerecorded messages instructing her to visit their website. She emailed the customer service department at Synchrony Bank and asked them to stop calling her cell phone, yet they continued to robocall her.

The lawsuit charges that Synchrony Bank violated the Telephone Consumer Protection Act (TCPA) by using an ATDS and by using a prerecorded voice to call our client’s cell phone without her consent.

May 31, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of Connecticut. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. It asks for $500 to $1,500 per call in statutory damages and other relief.

Robocalls are annoying, irritating, maddening, and every other synonym you can think of. Our phones are our personal possessions, and we should get to choose who calls us. That is one of the reasons the Telephone Consumer Protection Act was signed into law – to protect consumers from unwanted calls.

Our client says that Synchrony Bank robocalled her cell phone without her consent. She knew it was a robocall because, when she answered, she heard ringing until she was transferred to a live agent. That is one of the hallmarks of a predictive dialer, which is an automatic telephone dialing system under the TCPA. Our client asked Synchrony Bank to stop calling her cell phone, but they kept robocalling nonetheless.

The lawsuit charges that Synchrony Bank violated the Telephone Consumer Protection Act (TCPA) by using a predictive dialer to call our client’s cell phone without her consent.

May 3, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. It asks for $500 to $1,500 per call in TCPA statutory damages plus other relief.

Robocalls are bothersome. Cell phone robocalls can be expensive, annoying, and even illegal. Our client alleges that Synchrony Bank called his cell phone using an automatic telephone dialing system and/or using an artificial or prerecorded voice. These are the hallmarks of robocalls. When our client answered the calls from Synchrony Bank, he said that he heard a prerecorded message regarding his account. A few weeks after receiving the first call, our client says that he told Synchrony Bank that he was making partial payments, and that he requested that all calls to his cell phone stop. Nevertheless, Synchrony Bank continued to robocall our client’s cell phone.

The lawsuit charges that robocalls violated the Telephone Consumer Protection Act (TCPA) by using an ATDS and by using a prerecorded voice to call our client’s cell phone without his consent.

Contact Information

Synchrony Financial
777 Long Ridge Rd
Stamford, CT 06902
Telephone: 203-585-2400

Understanding Your Debt Collection Rights

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Ready to Stop the Harassment?

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.

What Our Clients are Saying

“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”

“Joann was so professional and helpful every time I had a question or needed help. Thank you so much for caring!”

“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! Thank you so much! It had been more than I anticipated.”

Can You Help Me Delete Synchrony Financial from My Credit Report?

Chances are we can. Call us to today and we’ll tell you how we can help.

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Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Bradley M

    We had a side x side financed with them and never late my girlfriend works in a hospital and got COVID and then lost her job so we got behind she talked to a lady and made arrangements to pay 1000. And the rest in 3 weeks when she got her first paycheck and was told that was fine on the Friday she was going to make the payment they came and repoed it when she got home at 430 and called the man she talked to told her yes it shows it was on hold and he didn’t know why they came and got it to call Monday because the home office was closed and he was sure we would get it back called them Monday and was told they didn’t say that to us and we asked them why if they wasn’t only to hold it why did they take the 1000. Payment and if we weren’t going to pay it why would we just give them that much money he said that was our problem and in order to get it back we had to pay off the whole loan they never offered to refer that payment or to refinance it or anything so now she has a repo on her credit and we never saw it again and was unable to even get our belongings out of it they never even called to ask if she was going to make the payment like was stated so we need to speak with an attorney about what we can do please any advise would be greatly appreciated thank you

  • Tammy E

    I have a care credit card through synchronicity bank and I’ve had nothing but problems with them. I am disabled so I have a hard time understanding how all this legal banking stuff works, but I am honest and attempt to pay my bills on time. Synchronicity has made this extremely difficult for me. For a while I paid my bills online and that seemed ok except for the months they charged me a late fee even though I wasn’t late. I shouldn’t have, but I let this go because I have a social phobia of talking to people on the phone. Anyway, I opened a different savings account with my bank and I gave this info to Synchronicity right away and this is when I started having big problems with them. I would post a payment and get a confirmation number, then they would inform me that my payment didn’t go through (after the due date), so I would incur a late fee. This went on for a couple of months until finally I made myself call them. I gave the lady my new banking information and she assured me that everything would be good, now. I continued to have the same problem. I made myself call them again and they informed me that they don’t take payments from savings accounts, only from checking. I have never had a checking account; they had previously been taking payments from my savings. I told the man this and his manager told him that I was lieing. I wasn’t…I have never had a checking account. When I asked him for a solution to this problem so I could pay my bill, he said he didn’t know. Now I am getting paper bills and trying to pay my bill through the mail, but I don’t get my bill until its almost late and when I try to get an amount to send them online, they won’t provide me with this information. All I want to do is pay my bill on time. Why do they make it such a difficult process? They’ve had me in tears more than once.

  • Catherine H

    I have 3 cards with Synchrony Bank, HSN, QVC, and AMAZON store card. I haven’t really had any problems with the AMAZON card but the QVC and HSN cards have balances that make no sense. I pay more than the minimum every month, haven’t bought anything in @ least 3 months and @ no time did my purchases ever amount to over $200.00 on either card. Yet every month the balances get higher and higher! According to my calculations I only owe QVC $58.00 currently, that includes interest. They say I owe $318.00! Same story with HSN. I have called Synchrony Bank and they called me a liar, said I don’t pay ENOUGH every month. Now I don’t want to pay them @ all past what I actually owe. I don’t know what to do, my credit is very good and I don’t want these criminals to ruin it.

  • Tara W

    If I am one day late paying on my care credit or sams club card I start getting calls the day after…7-8 times a day! They are relentless! What are they hoping to accomplish by doing this?? I will pay them as soon as I can! Some of us live paycheck to paycheck which is why we have these stupid cards to begin with!!! How are they allowed to get away with harassing people like this?! As I write this they are trying to cal!!! You’d think these companies were hard up for cash…poor and destitute. ONE DAY??? ONE FREAKING DAY??!! Most places will at least give you two weeks to pay before the reminders and what not starts.

  • Lorraine P

    I don’t owe on any Synchrony Care Credit account. They were all paid in full but they are suing me and did not prove they own the debt and who it is even from except them Then they tried to take my Social Security Disability money in savings. They have caused me so much stress, I am already on oxygen and they caused to have an exacurbation which damaged my lungs and shortened my life span. They are criminals.

  • Angie

    I got care credit to pay for my aligners. They didn’t accept my savings account as it was not “valid” and couldn’t give a reason why and to contact some other company to see why. Then I tired my fiancées checking account to see if that’d work. It said it would. Then it never took his money out for another few days, but at that time it was short. Today. I have gotten 3 calls from them, maybe 4 if that blocked number was them. No voicemail left. No email or anything saying why they tried to call. I was able to get an account to put money towards it, but it still hasn’t taken the money out of my account, even though it said it was accepted and posted that it did? So I will see what happens. I don’t know why they won’t accept my bank information.

  • C D

    Had a Home Shopping Network credit card ( (This part of HSN credit card info is important to my issue). HSN has a payment program called Flex-Pay*. It’s what it sounds like; will give you options as to how much you’d like to pay each month until your item is paid in full. If is running a special on all their merchandise for a particular day or week or month they may offer no interest on your purchase for 1 year whether you paid with the card or another credit card. Sometimes the special of no-interest would be offered to customers with credit cards only, then they’d spend an inordinate amount of time on their show pushing for people to get their credit card. interest was minimal, approximately, 29% annually. Plus, with their Flex-Pay* option your payment could be less than $10.00 per month depending on the item, specials, etc. So, using this card was not a high dollar, high interest, issue. It was simple, I had my billing on auto-pay, and most times, because the monthly payment amounts were so low and I’d only buy items that were marked “WAY” down, I’d pay any Flex-Pay* or balances off early all the time. I had the HSN.card for quite a while and was having no problems with it at all. Then, the BEAST rears its ugly head in my credit life and I am now on the credit reporting list with a closed account due to non-payment, likely a lowered credit score (I don’t even want to look) and whatever else Synchrony wrote about me. As all the others have complained, I was being bombarded with phone calls from Synchrony Bank too. I continued to tell this obnoxious bank I had no credit cards with them or any thing due so to take me off their calling list. Which, by law, they are to remove you from their list and stop calling you once you tell a company to take you off their calling list. Plus, in Colorado, where I live, there is definitely a law about the hours in which a company can make collection calls. They continued to harass me and call at all hours of the day and night.They’d also call me at work. I never gave them a work number but i suppose that’s easy enough to find depending on what search methods Synchrony is legally allowed to use for collections. Issue: I had no idea Synchrony took over my credit card. I was on e-statements, and auto pay so I never looked for statements from, nor, did I ever receive any notice, or new statement from Synchrony telling me they now had this account and here are the rules. Completely blindsided. My balance at at 12-31-20, was $200+ dollars. Set-up on auto pay, on time, going great. Have not purchased anything from in months. I begin getting the collection calls first and IDK what the reps are talking about until one lady finally told me that this was for my credit card. I thought, ok, so what’s the big deal, auto pay is set why are they bugging me about late payments? Then I find out the balance as of MAR-2021, is now $800+ dollars. I went online and get my statement to see what was happening with this account. Synchrony had driven my $200+ dollar balance up over $600 dollars within three (3) months to over $800+ dollars. Just like all the other people that I read complaints from on “Consumer Affairs” website and the BBB in I believe it was Oregon. and on Reddit. 100’s and 100’s of complaint letters that I saw and could read. I printed as many complaints from various websites as i could and highlighted many of the comments because I am sending copies of this information to the entities I always complain to when I am being ripped off. This company is bad, bad news. I believe that, perhaps business was a little slow for Synchrony from the pandemic and they are going to make all of its customers pay for their losses. What better way than to make a giant sweep of all their accounts, good and bad, run many, many people through the credit reporting nonsense, for no reason, automatically lowering credit scores on every person they report, taking old, old, accounts, medium new, and brand new accounts and closing them, balance due or not. Synchrony captures all the balances due as bad debt and have write offs galore. That cannot possibly be legal. Especially on accounts that are in good standing; paid on time, paid ahead of time, zero balances. I am not only writing to my 3 favorite reporting entities; I am writing to my state representative, my Congressman, and the local TV/radio stations in Stamford, CT. I will also reach out to the consumer advocate’s here in Denver, CO, that are on all the local tv channels. There is an excellent consumer advocate on a talk radio station here in Denver too, he’d eat this up for lunch. I may even write 60 minutes. Will any of this go anywhere? Perhaps? I believe if I write a detailed, evidenced based letter, and send it along with my history with Synchrony and all the accounts I have/had with them, all the complaints I have collected, articles like yours and others I have read, I believe something will happen. Synchrony has, as you know already been in trouble and fined, that will help in my plight. The other thing I wanted to comment on is the Flex-Pay* and interest on card that I originally had set with HSN. I had an agreement with credit card on their Flex-Pay* program. I did not get my HSN.card after Synchrony took over credit cards I had my card, agreement, Flex-Pay’s* all in place and being paid before this mega jackass company came swooping in to make a buck. They blew my account out of the water with fraudulent fees when I had no notice, I signed no agreement and was already situated with a “Payment Plan,” if you will with The interest is significantly and grossly outrageous with Synchrony compared to Not to mention the “Late Fees’ and “Service Fees” Synchrony slapped on my account. Synchrony also shows, on their statements to me, dollar amounts under Purchases. I have not made any new purchases from since OCT-2020. So Synchrony is entering an amount under purchases in their system, which will automatically, because it’s an accounting program, add money to my balance which increases all these fees they have and there interest rate. Are they insane? I did not get my first hard-copy/paper-billing statement from Synchrony Bank for my credit card information until MAR-2021, Yet they began calling me soon after they took over the account which was in JAN-2021. When I asked them why I hadn’t been informed of the change sooner, as in, a letter being sent months ahead to WARN what was coming? If I knew what was coming I would have paid off my $200+ balance and never gotten involved with Synchrony on this credit card. I didn’t get involved with “SYnchrony” on any of the cards they now hold, they were all taken over so I am now being held hostage and paranoid as heck as to what they’ll drop on me next. Also, I do not believe that Synchrony, a completely different company, with no permission from me, can just walk around in my bank account. I’m talking about the auto-pay set up. I confirmed Synchrony was still getting auto payments on my card when I finally figured out this is what they were saying I was late on. How? had to ask my permission to be in my bank account. No one can be in my bank account unless I say they can be in my bank account. Just because there was a switchy-changey doesn’t give Synchrony any rights. did not have any rights to give my bank information over to Synchrony either. I cannot believe this ia a federally sound practice. Especially with all the mess people have in their lives fall the time now rom stolen identities, stolen money from their bank, etc. The last email I wrote to Synchrony (I’ve been sending everything to Margaret Keane, CEO; however she is no longer the CEO, new CEO is Brian Doubles-former CFO of Sync) I told them I was calling the FBI and the CBI (Colorado Bureau of Investigations), and I was reporting them for stealing money from my bank account. I also shut down auto-pay and had not made any payments since. I’m not rewarding bad behavior! My point in sharing this with. you is if this is information you haven’t heard of before or if there is something in my nightmare that may help someone else I thought I’d put it out there. I wouldn’t sue a huge corporation like this, they’d wipe you out in seconds financially with their lawyers if there were really tough issues like this bank thing. If I could go to small claims and get a little $$$ that’d be great. I’m glad you have had success for your clients, but, I spent 6 years trying to get paid for half of a company I started, ran and owned with my ex. He and his crooked ways and his chubby, short, accomplice g’f got federal charges thrown at them; money laundering and bankruptcy fraud. It was worth the blood, $weat and tear$, but i will never do that again. If crooks would use their clever brains to cure diseases instead of wasting everybody else’s time……… well, maybe not so great for a guy in your profession. But a good lawyer is the only hope anyone has against any kind of bully bas-t-u-r-d-s! Man, I was doing so well. Not using any foul language til the very end. Oops. Stay safe and encourage as many as you can to stand up to this freakin bully – Synchrony – the crooks!!

  • Andrew L

    I want the negative items from Care Credit/Synchrony Bank to be removed from my credit report. I fell for there deceptive deferred interest sham and I’ve received between 3-5 robocalls per day.
    I’ve entered into a debt settlement agreement just to be over and done with this mess. All I care about is getting my good credit score back. The Representative I talked to with the company said they couldn’t retract any of the damaging information they sent to the credit bureaus. Can someone please help me!?

  • Amanda

    I opened a Synchrony account through a sales representative at American Mattress. I was never given any account information at the store nor was I sent any card information. I was told by the sales person that I had 12 months to pay the account off in full with 0 payments till then. Concerned I have not received any account information regarding my balance due, I called Synchrony. Upon calling they charged off my account for no payment (different than what was explained at American Mattress). This has greatly impacted my credit score. I learned that Synchrony had the wrong address on file. I requested to speak with a manager. The manager never called me. How do I get my account reinstated due to the mistake on Synchrony’s end in having the wrong address on file (never receiving any information) as well as American Mattress (not providing accurate details on the account)?

  • Jessica

    I answered to let them know i was going to PIF my account in a month. The guy was super rude so I set up an arrangement to stop them from calling. They just called me back today accusing me of giving false banking information. I advised it was correct and i was busy at work and couldn’t talk. I advised i would call them back. The guy refused and asked when they could call me back. I told him 12pm CST. He told me i had to answer then and was very demanding. Well noone called until 1pm CST. I refused to answer since im busy.

  • Stella

    Whenever I miss a payment on my account (which is only twice now), I receive multiple calls DAILY from Synchrony Bank. I had been receiving texts also but managed to opt out of those. I had already contacted the bank to explain my current and temporary financial problems and to express every intention of making payments as I can. I owe less than $200 on this account. The phone calls are relentless and occurring on weekends and as early as 7am.

  • Margaret D

    Synchrony Bank needs to have another class action lawsuit filed against them for the continued harassment of customer. All my cards with them are paid up to date and I get these weird text messages, emails, and harassing calls from them. I have asked them to stop and they continue on.

  • Adel

    Financed furniture through Synchrony Bank at The Furniture Galleria Store. Synchrony Bank paid for the furniture, and the store kept furniture, and the monies. I have placed several disputes with Synchrony Bank. The outcome has been that Synchrony Bank favors the merchant at all times, and they want me to pay for the furniture I did not have.

  • Derrell M

    My wife and i have been getting harassed for a long time. Even when we were making payments every single month. They are so bad we unplugged the home phone and they jam our cell phones repeatedly. I have spent over 3 hours on the phone with them repeatedly to try to get them to sign a contractual repayment plan but they insist they cant do that and have to have unfettered access to our bank account whcih we said no and they are suing us even though they did provide us contracts on at least 2 other accounts. I am so sick of this predator.

  • Justin T

    I would like to seek legal guidance over the continuous harassment of Synchrony bank. I get 5 calls per day from an automated service and they never leave a voicemail. I will get into work over the weekend and have between 15-20 missed calls on my work phone from them.

  • Sherri j

    Synchrony bank took my from my bank account without my permission. Over 1000.00. Left me 600.00 overdrawn. I dont know what to do.

  • Deborah G

    I find it absolutely repulsive that the financial system allows such predators as Synchrony Bank to continue to feed off of people. Someone needs to put Synchrony Bank out of business. This bank offers various credit card (including care credit) and then manipulates the repayment agreement and the posting of the monthly payment in order to apply a financial penalty against your account. This lender is a predator lender, avoid at all cost.

  • harold

    they never sent me my monthly statement so i could pay my amazon account i made several calls and emails still i got no statement for 5 months now when i call they hang up on me now my credit is screwed up

  • Robin L

    I was in the middle of buying a hoiseast year and previously paid of my credit card. Without permission they did a credit run and closed my old Wal-Mart card and sent a new MasterCard. This almost cause me issues buying a home but I had to prove I didn’t open any new accounts . I had this account with Wal-Mart for 7 or 8 years and never had a late payment. I used my card in July 2018 and forgot about my payment for August. They put my card on hold while trying make a purchase for 300.00 , that same day I had made a 100.00 payment which hadn’t posted. I called them and told them what happened but they didn’t seem to care. I made another payment in September to make up for my original late payment. In Oct they decreased my credit line to 1/2 and said it was because of derogatory credit . A couple of medical bills hit our credit for less than 50.00 which are under dispute. Credit score still 705. I tried to call and discuss but they didn’t seem to care. So in 8 years I had one late payment and I deserved to be treated this way. I don’t always use my card when shopping at Walmart/ sams club and I am sure if I looked at the amount I spend there in a year is several thousands of dollars. I can’t believe Walmart would allow there customers to be treated this way. I should of closed my account when they almost ruined my home purchase. I gave them a 2nd chance but they were unwilling to give to me.

  • Adam

    They don’t fu$&@ing stop calling holy sh!t blood suckers. The elite have more money than they can spend in a thousand lifetimes and they harass people over petty crap. Greedy j’s.


    I have been trying to resolve a problem with Synchrony bank for over two years now. they have cut off my Amazon account and taken away my prime membership plus all my digital stuff stored on Amazon plus my warentee’s. Prevented me from showing that I never ordered the phone they say I ordered. I never speak to a person

  • Duane M

    I have 3 cards with Synchrony Bank, ( Lowes, QVC and Conns ) and they are steadily decreasing my credit limit. They state that they do periodical credit checks. They just recently closed my QVC card with no balance and no payments do, which I paid off in May of this year. I make a payment they decrease my credit limit.

  • Eva M

    Synchrony Bank has steadily decreased my Spouses credit card….stating because of credit reporting they have been harassing us with claiming we had written (2) bad checks one was true but the other was due to KOHLS Department store having a glitch and they wiped our checking account out….We got all the papers and it was straightened out …we have not missed any payments and have been paying them. a few months back in the summer they decreased his credit line by 1,000.00. So I started to pay more , well they decreased it again no explanation….

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