MySynchrony Reviews

I have paid my payments on time plus an additional payment towards my principal every other week for over a year. And every 3 months they review your credit score and then lower my credit with them to the current statement which then makes my available credit with Synchrony Bank to $0, which then reflects to the credit bureaus that I have max out my credit with this company to 100% dropping my credit score down 30+ points every time. They say they send out a letter but that is not true. And even if they do, so what. The point is that Synchrony Bank is the one who is hurting my credit score. This is the only account I have that does this. Their underwriting department does not care that you pay your bill on time plus an additional full payment within the same billing cycle consistently. They don’t “REVIEW” your account like they say. They look at a number and determine from there. I pay all my bills on time with every account. The reason my credit score drops is due to them lowering my credit line to the current balance, making my revolving credit lower, and maxing out my available credit. That then leads to my available credit ratio increasing across all my accounts, lowering my credit score.

Stay away from this bank. They do not truly “value you as a customer”. I honestly do not want to shop at Sweetwater anymore bc they use this bank for financing.

This has nothing to do with app functions, but how the company functions as a financial institution. I’ve had a credit line with them for over a year now and completely dissatisfied with their handling of my account. I’ve never missed a payment nor have I made ANY late payments, payments also being well over my minimum requirement. I open my account app and they’ve deducted over $1,000 of my credit limit without any notice. This has now lead to a credit loss and credit usage increase that has dramatically decreased my score. I’ve read some reviews and this is typical of them. It’s not a credit rebuilding phase for me by any means, but I wanted to share what I’ve been dealing with using their services. In a nutshell they’re a headache and applicant beware!

So after talking to Synchrony Bank today my nose was rubbed in the fact since I made an off cycle payment at the beginning of April it fulfilled my autopay that was and still shows as due/scheduled on April 22. When I spoke to the supervisor they said Synchrony doesn’t administer MySynchrony . So I should speak to the third party App administrators about why MySynchrony still shows the Autopay due/scheduled for April 22.

Additionally I have 2 closed accounts that still show up on MySynchrony .

Ironic that a bank with a name like Synchrony throws up their hands and says that’s not on us. Synchrony Bank and App administrator need to Synchronize their info and present a better product to consumers.

I’m leaving this comment on here because I can’t get an answer from anyone on the phone. How contradictory is it for me to open MySynchrony to make a payment and I’m instantly hit with a message about how you’re doing your part to be there for your customers during this pandemic BS then continue on only to find out that my account (which is not close to its limit, is current on payments, and has a good payment history) has been closed without even a notification? And as I write this- without an explanation as well. Of the almost 2 years I’ve had this account, NOW is probably when I would need it most. Seems completely opposite of being there for someone- and I’m not even ASKING for anything! Even when society runs ‘normally’ your business actions here are ridiculous. There’s still a balance on the card that you’ve closed- should this be some sort of credit score issue or anything unrelated to this account - I could imagine it being hard to collect on it. Just sayin. I hope during this time of uncertainty, you all aren’t blowing flowers up everyone’s a__ while you close accounts from anyone that’s unfortunate enough to feel the repercussions of government shutting down the economy. Thanks Syncrony- thanks for nothin!

What many people have posted about the customer service at Synchrony is completely true. As a bank entity things work however when you have an issue and call customer service that’s when the issues begin. The people they hire to man the NOC are extremely rude. The supervisory staff is not much better. You call to get info on your account and you’re talked down to like a child all for the sake of trying to figure out what’s wrong with an existing account. I really wonder if this bank actually has people in charge that care about their clients and want repeat business or prefer to push people away to other competitors.

I have a Care Credit card, unfortunately. I signed up for the insurance, in case you aren’t working, the insurance will cover payments for you. Well, two times when I lost my job, I “didn’t qualify” to use the insurance. Not only that, the insurance was charged to my credit card, incurring interest by Synchrony. Like all big banks, profit is the number one priority. Lose your income because of Covid? Don’t worry, they will call you 4 times a day, text you and email you to let you know you’re behind on a payment. They also won’t forget to charge you late fees and interest. Synchrony has been disappointing all the way around. DO NOT DO BUSINESS with them. Save yourself the trouble.

Today I had 70 dollars taken out of my checking account and noticed it left my balance negative ! While trying to check on MySynchrony why and what was withdrawing from my account MySynchrony keeps closing, funny enough I can check my savings account with no worries but as soon as I click my checking MySynchrony force closes. App is useless and have always had problems with this company for example I’ve set my phone number three times now , but when ever I try to log onto my account with the computer it asks me to verify my identity with two Numbers that are not mine!! I’ve done this process three times now where I call them and adjust my account numbers but it seems to always reset. MySynchrony has caused me more problems than solutions . Canceling my accounts very soon!

I have several synchrony accounts. The thought of having all in one app to track and make payments was extremely appealing. MySynchrony WILL NOT let me add an additional account for a one stop shop. I clicked to go to the main site online and it still won’t let me add an account. When I click Add Account it takes me to my profile and has forced me to update my info 3 times even though my info hasn’t changed. I keep going in a big circle. It’s frustrating and a huge waste of time. I won’t continue to use MySynchrony. It’s faster to log into separate sites to track and pay than to mess with this lousy app.

I was actually very happy with the line of credit and rate that I got from this company since I was rebuilding my credit. However they kept reporting the wrong credit score. When I called to understand the issue, customer service was confrontational, when I got a manager on the phone, she was also confrontational. The fact is that my balance was much lower (for months) than they reported, and instead of taking accountability for it and trying to help me understand what I was missing as far as my score being wrong, they could not. And, they could care less. Asked for the complaint department and I was forwarded to voicemail.

The saddest part about this is that I wanted to use the card for another big purchase and that’s why I was also calling, unfortunately for them, I will not.

I had gotten this card for a very good reason. I had been paying my payments on time sometimes extra. I went through a time when every single time I tried to log in on MySynchrony or on the website it would tell me that i couldn’t and to try again later. So many attempts and nothing. Eventually i was able to log in but only to see a 300 dollar fee for no reason then like 40 dollar charges every few days. I had been patient about this and asked for a few weeks now to get those fixed so i can continue paying the account off. But while I get emails just saying “we’re so sorry how can we help” over and over again after I tell them exactly what my problem is but i get the same answer. I told you guys how to help me why am i being charged and asked the same questions again and again. I do not know how to fix this. All of a sudden the card is up hundreds of dollars than when I was able to log in. It’s ruining my credit score and just stacking so much debt on me. I need this fixed ASAP. And I really loved this service but now it’s just caused me so much stress.

I bought a mattress with Mattress Firm, and they told me I could spread into several payments without any interest.
I selected the 12 months installment.
When I accessed the bank to make payments, they never show you the payment plan you have. They lead you to pay the minimum payments, and that’s where they get shady! They don’t show you the 12x installment amount due, they show you a very low amount as a minimum payment. If you follow them, you will end at the end of your 12 months installment more than 75% of your total due.
That leads the customers to an absurd amount of debt.
When you ask them to set the minimum payment due as your agreement of 12 installments, they say they cannot do that.
They lead people to debt by not being clear about their installments, amount due that would pay the mattress.
They give you a total amount due and minimum payments that does not equal the total amount due on the time agreed.
If you use this bank and you do not pay attention, you WILL end up with a lot a debt.
Totally NOT recommend this bank to anyone.
They even tried to blame Mattress Firm, saying that the deal was signed with them, but who provides the loan is the bank, or their credit card you sign for. SHADY BANK, SHADY PRACTICES!

Was very excited to open a Synchrony account but there was a major security flaw with account verification. There were two phone numbers automatically assigned to account for verification, one my cell and the other unrecognizable. So I called thinking I could just request them remove that number, but they said they couldn’t because that information was supplied by a 3rd party. Naturally, next question was ‘who’s the third party so I can contact them to resolve’ to which the bankers response was ‘we cannot provide the third party that provided the phone number’. What if someone that’s not me used the unauthorized number for account verification and I subsequently lost all money?

I immediately cancelled the transfer and lost $35 for having to stop payment. So the agent didn’t assist with removing foreign number, canceling transaction, or providing information for third party.

Save the $35 and security risk!

MySynchrony is mostly straight forward except once u make a payment it will take 24-48 hours to update on your account and once I made a payment on the due date the next day I checked it charged me a late fee in that case there is something wrong with MySynchrony it needs a serious bug fixes otherwise u can manage everything from payment all the way down to the due date also the transaction history could use some work as well. Just look out for these things once making a payment don’t hesitate to check your account once in a while to make sure everything is in place

I love MySynchrony . I use it frequently and it have never had any bugs or issues until this month. The only thing I would fix is that you can only see two cards/accounts at once on MySynchrony . Having multiple accounts for my Care Credit card that Synchrony finances, it would be great to be able to see all of my cards and accounts available on MySynchrony in future updates. Also, I’ve been having a lot of trouble making payments on MySynchrony for a few weeks now. I thought it was temporary but it’s becoming an issue for me now to have to log in on a browser to make payments there instead of on MySynchrony . Please fix, thank you.

I like MySynchrony cause of it ease of use. Compared to other apps I would like to see an update that could possibly offer more detail purchased information such as what was purchased in other words in the transaction history show a recipe.... how many of us keep or lose recipes and forget what was purchased. Sometimes MySynchrony loads slow but that’s with all apps really. The design is nice for a basic interface. Over all I like MySynchrony and would recommend anyone who has synchrony to use MySynchrony.

Been using MySynchrony for the past two months to manage a purchase with Musicians Friend Platinum card, which is hosted by Synchrony Bank. It’s quick and easy to get snapshot of your current status, and easy to make a payment by various methods. I’d give it 5 stars if I could find a way to make my monthly payment automatically. It’s not that much trouble submitting the payment, but since I’m doing it every month, I’d rather just have it happen. Synchrony phone support was wonderful when I applied for the card (Musicians Friend special promotion), so I could probably call and have them set it up for me.

Now I’m new to Syncrony however since I’ve already had history with them through PayPal, I was able to get another syncrony account with 2+ years of interest free credit.

Now I don’t know the history with the other customers but quite a few have given Syncrony 1 star on their app which I don’t see fair.

Syncrony is an amazing service and their app is very “straight forward and get to the point”, And that is exactly what I need to do to make sure my payments are made on time in an efficient manner.

MySynchrony also lets you download your statements and payment history for records which is also very important if something wrong happens, Which in some cases it does happen including if you don’t have control over that scenario.

I love all of Syncrony’s services and I’m also very happy they are apart of PayPal, If they are teamed up with PayPal then I’m always in their books!

Love you guys, You’ll always have me as a customer!

At first I did not like to do business with big Sandy because making the payments were so very hard you could not make the payment at the big Sandy store in Maysville Kentucky it was very hard to get a hold of people over the phone it was just generally a hassle downloading MySynchrony was the best thing I ever did because it makes paying your bills so simple so easy and I just love MySynchrony that allows me to do this for payments and keeping up with my payment history login I can use even my fingerprint to login it’s just very very simplified and when you’re busy and you’re paying bills and I’m sure everyone does it makes it very very nice I rate MySynchrony five stars I think it’s fantastic!

I always dreaded paying on my Guitar Center account because you have to go through so many steps to log in. Online would never remember any information. This makes it so much easier to manage my accounts. The only thing is Lowe’s card for instance is powered by you guys. Is it possible to get it in MySynchrony to? Or is Lowe’s proprietors of their card process?

I love using MySynchrony ! It’s faster to login in and submit payment through MySynchrony than the website! Hopefully I’ll be able to retire MySynchrony once my two credits are paid this year. But definitely will want to do business with synchrony again! Because of them and me paying on time, my credit has gone up up up! Good customer service, in the chat, haven’t don’t the customer service on the phone. I recommend Synchrony to friends and family because it’s secure and the payments are easy to handle! Just good things all around!

When I bought my jewelry I never got anything saying that my payments would double if i didn’t pay off my total balance in two years.. my balance went from $2000 to $4000 in a matter of minutes.. I have been making my minimum payments for 2 years. I never missed a payment.. I will never buy anything on credit especially from synchrony.. I feel like I’m getting robbed.. the jewelry I bought wasn’t a deal it was a rip off.. and I asked to talk to a supervisor and he still said there’s nothing I can do.. I just got robbed by big corporation.. poor just keep getting poorer.. rich get richer from robbing the hard workers.. 👎🏾👎🏾

MySynchrony has made me very angry. I signed up for estatements but can’t get through MySynchrony . Called customer service and was told click on log in within the email. Just tells me to open MySynchrony. It refuses to let me view my statement. MySynchrony also doesn’t tell you what your closing date is either so I accidentally made a second payment ahead of time in the same period now in order to be compliant I have to make another payment within their period which I just did. They lack all of the pertinent information. If you to know anything else you have to actually turn on your computer and sign in. What good is MySynchrony if it only provides limited information.

I love MySynchrony . I use it frequently and it have never had any bugs or issues until this month. The only thing I would fix is that you can only see two cards/accounts at once on MySynchrony . Having multiple accounts for my Care Credit card that Synchrony finances, it would be great to be able to see all of my cards and accounts available on MySynchrony in future updates. Also, I’ve been having a lot of trouble making payments on MySynchrony for a few weeks now. I thought it was temporary but it’s becoming an issue for me now to have to log in on a browser to make payments there instead of on MySynchrony . Please fix, thank you.

MySynchrony is easy to use and convenient but it is missing somethings such as in the settings I have no option to change my passwords or user name, that would be lovely. And I also have a problem with “message center”. It doesn’t work nor do I know how to use it or what it’s for. Other than that, I love the fact that you can request credit increase and that the customer service stays open until midnight but bedsides that MySynchrony has been good so far.

I was thrilled to see that Synchrony came out with an app that is very user-friendly especially when it comes to seeing balances and making your payments. Making payments or breeze, as well as switching between the different accounts you may have with Synchrony Bank. I look forward to any future enhancements that they plan on releasing.

Great app for making your payment they also send you notifications in your email and on MySynchrony at least a week before your due that your payment is coming up so if your just like me that you forget when your payment due dates are on then you will love MySynchrony great looking app overall

I use to be a stay at home wife, but after the little ones I babysat no longer needed me, I decided to get a job outside the house. Long-short, I’m not home much with my laptop, and paying bills on time that way has become a challenge. I downloaded MySynchrony , set up my account, and it’s literally a couple of taps to pay my bill. It helps me get stuff taken care of quickly, which is what I need. :)

It was always a pain trying to make payments through the website, especially when I was using mobile data or another WiFi. As it would not allow me to, now with MySynchrony . It doesn’t matter where I am, I can make a payment quickly and leave out a few steps then going to the site.

I thoroughly enjoy paying my bill with MySynchrony. Very convenient and easy to access without the hassle of trying to get through to customer service. You can keep up with everything with one click of a button. Thanks for making my life much simpler by creating MySynchrony. Thanks Tate Furniture in Phenix City Alabama for your continued business and maintaining the best customer service. 👍🏽

I’ve been waiting for a this app app for quite some time, and this is exactly what I was hoping for. It’s quick and easy to view all of my different accounts and their balances/due dates/minimum due. Making a payment takes less than a minute. Great user-friendly app. Just wish there was a way to view balances on promotional purchases, but that’s the only thing missing for me.

I bought a mattress at Mattress Firm and the Synchony app has been a great tool to make extra payments towards my principal amount. I had it set to autopay and then payed extra amounts on my phone when I could. MySynchrony is pretty straight forward and user friendly. I paid my mattress off a year early with extra payments and I feel like the ease of MySynchrony helped me accomplish that.

I had an account with them for almost a decade. They abruptly lowered my limit which caused my credit score to dip, no warning or anything (lowered it by thousands!!!) I will never in a million years use them ever again. They have little to no stores that except the card. WORK ON THAT AND MAYBE PEOPLE WILL ACTUALLY USE IT. They care nothing about customer loyalty.

I never had issues with this Bank until today I tried getting help with my account. A deep Indian accent guy came on and was telling me to use his log in ID to fix mine. This sounds very fishy to me because I've never had another Bank Tech suggested that I do that.