I have unfortunately been with Synchrony bank for the past several years, and it has been a terrible experience. The phone wait times are extremely long and the customer service reps are rude and unhelpful. They make very little exceptions for customers in issuing refunds or others means on inconvenience even when it was their fault and error for what is happening with my account. I received no notifications of a payment due or despite my account being set up for reminders for when the bill is due. But they surely hit me with the late fee. The interests rate is extremely high. In the world we live in with advanced technology, it should not take nearly 2 weeks for a payment/physical check to be withdrawn and mailed out from my bank to send to this bank before the deadline of 5th of the month. The merchants between my bank and this bank took SEVERAL days to process so I often got a late fee and they were very rarely willing to waive the late fee.
Every time I turned around, there was another payment due and interest was being accrued despite having paid off the entire bill. I would strongly not recommend this company.
Desired outcome: There is nothing this company can do to earn my business again. I have finally paid off my bill IN FULL, despite their several attempts to keep charging me unlawfully. I am glad this process is over.