Synchrony Bank review: Synchrony bank earns grade of big fat f!

I applied for a line of credit a couple of years ago w/ my local lawn & forest dealership as I was in need of some lawn equipment to mow, weed whack, trim my fence row, & blow pine straw off my roof & driveway b/c I have had a horrible time finding a dependable lawn service at a fair price to “baby” my St. Augustine grass like my dad taught me to do w/ a push mower & yard broom back in the day before “Mr. Roboto” computerized mowers for that push- mowed look & riding mowers w/ a bagging system to keep it looking & feeling like a fine lush green carpet you could walk on barefooted & say, “Oh, what a feelin’! “ Well, my credit app was approved for a large hunk of change b/c that was before I became one of the many victims of evil AT&T’s data security breach w/ Experian & have pretty much been living a nightmare ever sense! I have frozen all of my credit reports b/c all of my personal information is on the dark web. The only personal info I haven’t changed is my SS# which would take an act of Congress. And, still to this day, I get a letter at least once a month informing me once again that I have been the victim of another data security leak from TicketMaster to my local hospital. As a result, I have changed my banking accounts, phone numbers, email address many times. I finally found many of my problems were linked to my debit card/checking acct to the point every other week I would have to go to my bank for a new debit card b/c mine had been compromised once again. I was so stressed out that I would literally break out in hives! I finally decided to get rid of my bank’s debit card & to kept most of my funds in savings & had my bills auto withdrawn from there. After paying off my first loan & working hard to get my credit score back to good, I had to invest in a riding mower w/ a bagging system b/c I just couldn’t push mow the yard any longer as I am getting older & am allergic to dust, grass, pets, yada yada ya. So, I went shopping at my lawn service w/ my Synchrony’ bank card & was going to give Mr. Roboto a good home! However, I finally came to my senses & invested in a cheaper riding mower W/ a bagging system. All was well until a couple of weeks ago, my current employer/ex-husband/ former BFF for 30 years now decides he can no longer pay me as a 1099 NEC employee b/c his bank was no longer covering his NSF & at his age would no longer let him refinance the house, PTL b/c that is just a hole that gets bigger & now his balloon payment is due to the tune of $1500 a month & when the April showers that bring May flowers come in southeast Arkansas like they have for 30 years now, he doesn’t hit a lick at a snake & I am still working, paying back my second graduate student loan, & enrolled in online Discipleship coursework with InTouch Ministries whom I have partnered with for many years now in order to become gainfully employed as a Bible teacher/ music minister to heed my life’s calling to spread the good news of the Gospel of Jesus Christ! Well, get this. I had considered debt consolidation again but decided to apply for assistance w/ EdFinancial & The AR Dept of Ed in order to lower my monthly stdt loan payments in order to make ends meet. I I started calling in my payments to Synchrony using my checking acct instead of savings b/c I was being penalized & charged for being “over the monthly limit” on having my payment a/w from savings! I would receive a confirmation number thinking all was well with the world only to find out today that was not the case when I opened a snippy letter from Sychrony informing me that the “board’ had decided to close my acct due to 2 or more nonpayments! I called to dispute this nonsense, but finally grew weary of the first rep I could barely understand b/c of her broken English & my hearing impairment. The second rep was worse w/ her bad attitude that I finally just said that I was not going to dispute this ungodly mess any longer after making a payment w/ Ms. “Speaks Broken English” only to have Ms “In Need Of An Attitude Adjustment” when I let her know I had no idea why I ended up w/ her asking me how I wanted to “allocate” my payment I made w/ the first rep when I was asked to hold the line while the first rep called herself looking into “promotions” to try to help me as much as she could in regards to the total balance I would need to pay by the end of Dec 2025 to be out of debt w/ them b/c I had decided that if I can’t pay cash for something, I don’t need it! I finally told Ms. Snippy to just forget it, hung up, & got my balance due on my acct from the robot that answers the phone when you first call who I came to really appreciate after dealing w/ two live reps who were of absolutely no help to me whatsoever & as a result earned a final grade of a big fat F! Good riddance, Synchrony! Also, I have informed my employer that I will take him to small claims court for $2k to recoup my missed paydays as well as inform the IRS that he is now being paid in cash & was trying to pay me in cash if I got paid at all! But, fear not! God’s Got This & has already settled the score in my favor w/ my enemy, Satan, & all of his henchmen who do his dirty deeds & do it dirt cheap b/c they chose to serve money instead of God! Amen & amen. To God Be The Glory!