Synchrony Bank Logo
star star_border star_border star_border star_border

3.2

Overall Score

LAST UPDATED: March 26th, 2024

The main focus of Synchrony Financial is establishing financial relationships between select sellers and buyers. After studying businesses with private label credit cards, like Walmart and Amazon, Synchrony Financial has been able to perfect their services and offerings, working with businesses and retailers to provide customers with hassle-free credit cards. 

Instead of using Synchrony Financial's cards to purchase big ticket items, they are used to finance small purchases and future purchases, based on customer's available credit. Synchrony finances those purchases through Synchrony Bank, insured through the FDIC which means that your money is protected and that it is a safe bank.

Continue reading for pros and cons, and Synchrony Bank reviews.

 

Top Ranked Companies

thumb_up

The Good

  • Online Help
  • High Yield Savings Account
  • Certificates of Deposit (CDs)
  • Money Market Accounts

Online Help

Synchrony Financial has a very helpful website. There is relevant information on it for everyone they work with. For businesses, Synchrony offers services through their business center, through which merchants can approve new applicants or access established accounts. The business center is also where credit limit increases are processed and payment options are selected. Using data from consumer purchasing patterns, merchants can develop sales that attract their customers.

For customers with personal accounts, Synchrony has a tool that allows you to compare Synchrony's annual percentage yield (APY) rates compared to dozens of other U.S. based banks. You can look at how much interest your money would make in a high-yield savings account, a money market account, or a certificate of deposit (CD). This tool allows you to see which rate will be the best according to the number of months you plan to have your money in the account. 

For any of Synchrony Bank's accounts, you can manage your money directly from the Synchrony mobile app. 

High Yield Savings Account

The high yield savings account from Synchrony Bank offers an interest rate of 2.15 percent APY no matter the balance in your account. This is one of the best interest rates among online savings accounts. 

There is no minimum balance and no minimum deposit to start your account, and consumers can access their cash online, by phone, or via ATM. However, this account does not allow checking (writing checks). 

Certificates of Deposit (CDs)

Certificates of deposit (CDs) with Synchrony Bank require a $2,000 minimum deposit. CD terms range from 3-60 months, and a three month CD will earn a 0.75 percent APY - the longer the CD (the more months), the higher the APY. A 60 month CD will earn 2.80 percent APY. After the minimum deposit of $2,000, your interest rate does not increase based on your deposit amount. 

Synchrony Bank's CD rates are competitive compared to other banks, and individual retirement account (IRA) CDs are also available, an offering that is not true of all online banks. 

Money Market Accounts

A money market account with Synchrony will earn a 1.20 percent APY. This account has no minimum balance, no minimum opening deposit, and no monthly service fees. It provides greater access to and flexibility with your money than Synchrony's savings accounts. With this account, you can write checks and make cash withdrawals online, by phone, or via ATM. 

A money market account is a mix between a checking account and a savings account, and is a great option for when you want to earn interest on your cash, but don't want to tie up all your money. A retirement account option, an IRA Money Market Account is also available. Due to federal regulations, you can only make six withdrawals or transfers per month from a money market account.

thumb_down

The Bad

  • Issues with fraudulent activity
  • Inaccurate Statements
  • Customer service

Issues with Fraudulent Activity

Even though Synchrony Financial offers very attractive products to their customers, there is a pattern of reviews complaining about fraudulent activity. 

Some customers report that they were overcharged interest in their credit card accounts. This usually happened to customers who were ending a purchase and had only one payment left to make. Upon making a payment or receiving a statement, they found that they were charged additional interest for the entire amount of the purchase or far more than what was owed.

Inaccurate Statements

Some customers have received inaccurate bank and credit card statements. This of course would result in an accusation that a customer owed more money than they actually did. One review stated that a phone call was received about a "missed payment". When the customer proved to them that he had made the payment, they sent him a letter in which they acknowledged the payment, but the ending balance on the letter did not show the deduction of that payment. 

There have also been scenarios in which accounts were cancelled without permission or prior notice, especially when there had been a time period of inactivity. These accounts were not delinquent and the period of inactivity was not very long.

Customer Service

Synchrony Financial has many customer reviews that report poor customer service. Common complaints include incorrect addresses and phone numbers on accounts, inability or refusal to return phone calls on unresolved issues, locking customers out of their accounts, being put on hold for extensive periods of time, and no follow up after customer representative states there would be such, in order to reverse clerical errors. 

If you pay off your account early, Synchrony Financial may not view this as being in good standing. Instead of receiving a statement to close out the account, several customers state that they were charged additional interest fees, late fees or amounts. The effected clients experienced adverse credit scores and reports. This terrible customer service makes online banking with Synchrony very difficult. 

gavel

The Bottom Line

If you choose to work with Synchrony Bank, you can expect reliable online and mobile banking and great interest rates. Synchrony Bank has great interest rates on several of its accounts and multiple ways to withdraw money and contact customer service. However, it has a reputation for overcharging. Customers complain about having to deal with fraud charges. Ironically enough, Synchrony Bank customers who decide to pay their accounts of early might want to retain a lawyer, because instead of maintaining a good credit score, they in fact may be penalized with late fees and a hit to their credit score. 

Synchrony Financial looks good on the surface, but is lacking in the areas where it really counts. Customer service is not reliable and many customers have reported difficulties getting in contact with and working with Synchrony's customer service representatives. For more information, see our Synchrony Bank reviews below.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

info

1.1

star star_border star_border star_border star_border

787 Reviews

Review Breakdown

5 grade

1%

4 grade

0%

3 grade

1%

2 grade

3%

1 grade

95%

Sentiment Criteria

Value

star star_half star_border star_border star_border

Quality

star star_border star_border star_border star_border

Service

star star_border star_border star_border star_border

Trustworthiness

star star_border star_border star_border star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star_border star_border star_border star_border

J o

Seems to be a very consistent concern with Synchrony Bank. I'm paying them off, making adequate payments, using some cards or not using others and then out of the blue I have a huge credit drop. They have at random cut my credit limit to $300, from $3000, stating a concern with credit inquiries. Then again, out of the blue, cut another card from $3000 to $2,250, no explanation. Card is being used correctly and paid off. They have destroyed my credit and one of the reasons they state for lowering credit limit, my credit score, that they lowered due to a sudden decrease. They have a monopoly on stores, but they are shady, scam artist and what they are doing needs to be looked into as fraudulent and illegal.

4 days ago

star star_border star_border star_border star_border

Chris Robinson

I would like start with saying this, if I knew this credit card company operate with poor standard and practices, I never would have sign up with them for the guitar center credit card. I sign up for the card to buy equipment for my local church. I had the card for over 1 year and half. Use it made purchase and paid card off not a problem. After that I used the card again an I noticed after the 3rd set of purchases my credit limit was decreased. A was sent a email that they are decreasing my credit limit. It didn’t make sense, because I was paying on it and using it and never had a late. Then yesterday was the last draw! I’m at work, I check my email, a saw I have a letter from this company(Synchrony financial) saying they made a decision to close the account. Now I can see if you are late all the time or don’t pay. I believe that is warranted of account closing. But if you make all you payments on time and this month made a double payment to pay it off and you close my account and I have credit and not behind that’s unethical and bad business practice. I have sent a letter, to attorney general office, bbb and complaint board. An after reading comment I will share my experience with my followers on social media to warn people how this company treat people.

4 days ago

star star_border star_border star_border star_border

Kristin Scott

I have several accounts with Synchrony Bank. Last month they lowered my credit limits across all accounts to where the balance was. I have NEVER missed a payment, Doing this screwed me over on my credit score, it dropped pretty drastically because my available credit to debt ratio dropped. With all the accounts, they dropped my available credit down about $5k. How I hate them... I worked so hard to bring my score up - always paying on time, always paying more than the minimum. Now my goal is to pay them all off and never do business with them again! And then a loan I have with Ally got transferred (or bought) by these fools. And for the record, Synchrony... your reasons are bull... I don't have a home loan BUT I own a home - so what's your problem?

6 days ago

star star_border star_border star_border star_border

Persistent Dreams

Had some plumbing work financed through the Synchrony Bank HomeCare card. Never again! Was waiting for my first statement to make my first payment. In that time, the balance was added to my account, pulled off as if I made a payment for the whole thing, added back, and pulled off again, ON THEIR END. It was only fixed because I called them to fix it. It appeared fixed so I set up a payment through my bank. Payment goes out, I check the SB website, it says my account is closed. They tell me it's because my first two payments (the ones I never made) were rejected. Then they lied and told me they informed me the day before I sent my actual payment. Now I'm waiting to see where my actual payment ends up so I can dispute it if necessary. Read the reviews. Stay as far away from this "bank" as you can. They are either a scan or totally incompetent.

6 days ago

star star_border star_border star_border star_border

Trent Doyle

Like others, I had accounts with Synchrony, then got snail mail about their concern about paying my accounts, even though I haven't missed a payment. They pulled the same stunt about 2 or 3 years ago. So, I've gone through this twice with them. So, from my perspective, if I could, I wouldn't give them a star at all. I will never EVER do business with them again. I will not have a savings account with, nothing at all. Their call centers are never in the USA, their foreign csrs know nothing, it's just simply too much.

6 days ago

star star_border star_border star_border star_border

Faith W

HORRIBLE bank! I (had) a 785 credit score with no payment issues with this bank or anyone else. I was in really good shape. Out of no where, they closed all of my accounts stating I was a payment risk??? I have no idea where this came from? there is NOTHING to warrant this! Icing on the cake, I had monthly payments given to a charity taken from my credit card with them which they closed. I had to receive a letter from the charity stating they were unable to obtain payment.....there was NO reason for this....... please read the numerous reviews with my same complaint. I understand taking steps to ensure the safety of the borrows and the bank, but they are way out of line

1 week ago

star star star_border star_border star_border

Christine Russell Columbus, OH

I have been with synchrony bank through value city furniture in 2018 till now I was shot in my neck and needed to have surgery and I was still putting something on my account but that wasn't enough for synchrony they closed all three of my accounts because my credit scored dropped. That's how you'll conduct business np thank you. And customer service was terrible. I would never recommend synchrony bank to anyone. Company trustworthiness lol your COMPANY must be in training or take it off all together because you'll don't trust any one you'll are in it for the money

1 week ago

star star star star star

j d Washington, DC

The Customer Service Representative "Ashley Is AWESOME ",she helped me in minutes what took me over 30 minutes with an option of making a payment in no time flat,Thanks A Million Ashley.

3 weeks ago

star star_border star_border star_border star_border

Rene Alvarez

This Bank Closed my credit card account without notice and without missing a payment. The reason why: I had a payment set to be withdrawn from a checking account that I stop used, but I still was paying my entire monthly expended money. They do not appreciate customers business.

2 days ago

star star_border star_border star_border star_border

Mark Mckinney

Awful experience with Synchrony. Had the card for a couple years with basically no usage. I applied for it with Verizon and it allowed me to get a discount at the time for some promo. Eventually they told us we had to have auto pay on the Verizon account through the credit card to get the autopay discount. So I swapped my auto pay over and had my auto pay set up through my bank for the card. After 1 failed payment for who knows what since they wouldn't give me the information, they closed the account with no notification that the payment had failed.

1 week ago

star star_border star_border star_border star_border

Jayme & Jon Boettcher Salt Lake City, UT

Our payment on our loan was due on the 5th of the month. Due to a change in our payroll, we chose to pay ahead at the end of January, so we would not have any chance of being late when our next check came in February. These crooks are now telling us that we own them a 30 dollar late fee. Apparently by making a payment before the statement was generated, they did not consider this our normal payment and therefore they claim that our February payment was not made on time. They did this even though we are multiple months ahead on our payments. This is ludicrous!!! I’m very disappointed that I could not give them less than one star for the review!

3 weeks ago

check_circle

Review Source

star star_border star_border star_border star_border

Heather Saint Paul, MN

I seldom give poor reviews because the world has far too many critics. However, your phone system/ communication lines are sub par. The fraud team flagged our card due to a high risk transaction at Walmart. I appreciated the concern at first, but the card has not worked properly since this date. We have called 4 times to have the "card turned back on" only to have it declined for our normal pattern of spending. Moreover, your customer service team has poor communication with transferring back and forth and is unable to help with basic transactions. We have given forgiveness 4 times in the past month...with no results of fixing the problem or any sort of compensation. I am embarrassed for this company.

3 weeks ago

star star_border star_border star_border star_border

Kush Scott

I wish I could give a 0. Like the OP they cut you off then send an email with a letter from 4 months prior with irrelevant data. They cut one of my cards from 1000 to 100. Who the hell has 100 credit cards. That’s gift card status. They really suck I advise everyone to stay away from these scumbags even this review is a scam. I put all 1’s and for the NPS question at the bottom I put 0. Then it tells me I 80% finished the review. After looking back I didn’t omit anything so I decided to test and changed my NPS question to a 10 and then they say I filled out the survey 100%. I am submitting this scam review process to the better business bureau and the NPS team for forced hi scores

3 weeks ago

star star_border star_border star_border star_border

Chad Peace Riverview, FL

This company is nothing but a scam! Bought a sleep number bed and financed through Syncrony Bank. I have never had a credit company that randomly reviews your credit score several times a year without any notification. Last week after 2 years they closed my account without any notification. I am going to work my ass off to pay them off as soon as possible. I will NEVER do business with them again. I would give them -5 stars if I could. This company should be shut down!

2 weeks ago

star star_border star_border star_border star_border

Warren Los Angeles, CA

This bank is fraud they closed costumer account but before they rant your credit their credit line is a fraud a money machine don’t trust this bank they are bad like Santander bank fraud interest high they are from Germany not good they have American eagle 🦅 JCPenney San club gas car Macy 76 gas chevron so be on the alert 🔔 they are not good fraud

3 weeks ago

star star_border star_border star_border star_border

chris alessandrini

I give the 0 stars. They are the worse card ever. I filed a dispute when my card was lost. They told me they would take care of it and remove the charges. About a month later the charges were put back on my account. I called them and they gave me no response as to what happened and re stated the dispute on my card. This account was once used for my sick dog. My account was at steinbech vet clinic which is where the charges were made. I did not approve of whatever they did to her she died! synchrony should be ashamed! These crooks are still trying to get money that's wrong on so many levels! Shame on them!

1 month ago

star star_border star_border star_border star_border

Diane Jessop Fishers, IN

I would give a zero if I could. DO NOT use any card from them. Thanks to them my credit score has went down over a 100 points. First they cancelled my long standing card, then lowered my Amazon account down to 300 when it was 1500. Then they lowered my Verizon card from 2500 down to 300. Now since they lowered it I still had like 25 available credit. For whatever reason they are now saying that I am over the credit amount. I just paid over a 100 on it and so shouldn’t be no where close to being over. I have NEVER had a late payment on any of my cards. I have paid all of them 2 weeks or so before the due date and over the amount that was owed. I’m so over them and would not recommend them to anyone. I worked so hard to get my credit up just for them to ruin it. I’m literally in tears.

1 month ago

star star_border star_border star_border star_border

Becky Myers Charlotte, NC

I just had a letter read to me by a customer service lady, because I never got the email,she read it to me from her side. I started with a 1,200 limit at Belk and I've Never ever got my balance up that high and Always pay early and over the payment amount. Thats one card I did love at one time. I checked my monthly payment due ,as always, to find out that I went from 1,200 to 720 limit which lowered my score because it looked like I maxed out my card. Never ever mazed and paid over amount, I looked today to write my bills in my bill book and because I had an amount available they lowered my limit $20 below my available. So lowered my credit score Again. If you get it to 30 used on card they will mess you up and lower your limit. I've always made this card a priority and they are horrible at taking care of Good customers, predators are what synchrony is, can't wait to pat it off and be done with these pathetic people. Definitely they do more harm than good.

1 month ago

star star star star_border star_border

Stephanie Soondar Denver, CO

Outdated a/o basic algorithms lead to customer service omissions. For example it's auto-withdrawal malfunctions, and the customer service staff on the initial phone or chat intake aren't trained or equipped to address it. So the bank will count it against you even though it's a bank issue. The year 2023 and I had to make manual payments. If you need the credit grab it, but if you're not pressed there are better banks.

2 months ago

star star_border star_border star_border star_border

a p

Customer service people are rude and unhelpful. Management does not care. I filed a complaint via the BBB and they haven't even bothered to respond. Clearly the customer service people know there is no accountability and act like it.

2 weeks ago

star star_border star_border star_border star_border

Keeley Jennings Odenton, MD

I suggest using a more reliable creditor. They will cancel your card abruptly and tank your credit with no remorse because you were behind on payments twice. Also don't get a sams club credit card just go though someone else.

3 weeks ago

star star_border star_border star_border star_border

Gabriela CHULFAIAN Wilmington, DE

Their on line CDs offer good rate but then dont give fair warning of renewal and the website overly complicated and customer service from foreign call center nonexistant then . When you ask for manager they put you on hold unitil you eventually hang up. Their game is to force you to pay withdrawal penalty to get your money out. Beyyer BEWARE

3 weeks ago

star star_border star_border star_border star_border

MC Swift

The absolute worst! If you are in any way trying to build your credit or have good credit or any credit at all this company will ruin it. They constantly are lowering your limits making it impossible to use the recommended 30% credit card utilization recommendation. If it gets paid off annually why punish people for it. JUST STAY AWAY goal for 2024 pay off what I owe and NEVER do any business with anyone who uses this company just a terrible business who uses unscrupulous tactics to hurt there customers.

1 month ago

star star_border star_border star_border star_border

Rosalyn Jimenez

If I could leave zero stars I would. If you care ANYTHING about improving your credit score, stay AWAY from Synchrony Bank. They are infamous for closing accounts w/o notice. They've done this to me twice on accounts with long history that I have paid on time. They're justification was that they found something on my credit report that led them to (not simply reduce my limit) but go straight to closure. However, my credit status hasn't changed. Please do not support this bank and their borderline criminal behavior. Its companies like this that keep people from progressing.

1 month ago

star star_border star_border star_border star_border

Kayla Ofeldt Liberty, NY

I would give a zero if I could. The customer service team and supervisor are horrible. I had a late payment fee because the payment was made on my due date and they do not offer any kinds of grace periods. And since they returned the one late payment fee, they can’t do another in a 12 month period because my payments were made on the due date. Never dealing with Synchrony bank again.

1 month ago

star star_border star_border star_border star_border

Darlton Omar Sinclair Houston, TX

If it would allow zero stars I would . DO NOT OPEN A CREDIT CARD WITH THIS COMPANY . I place in all caps for emphasis , They are the worst will closed your account even with you paying on time they lower your limit and mess up your credit. Avoid them they should be shut down and put out of business. Their customer service is mediocre and they are so out of touch , Avoid them and look elsewhere,

1 month ago

star star_border star_border star_border star_border

Melissa Kelly Glendale, AZ

These people are crooks!! The agreement states they will charge 26.99% interest, they charged 39.98%. Nowhere in the agreement does it say that they were going to take the amount they should charge and multiply it by 365(days of the year) then divide that number and then multiply that number my the number of months for the promotional period to overcharge by nearly $1400. I do believe this is illegal and this company should be fined and shut down. I will be seeking legal action against them. This is unacceptable!!!

1 month ago

star star_border star_border star_border star_border

DJ Johnny Scott

This is the worst credit card company in the entire world. do not apply for an account with them and ever miss a payment or have your credit report change because if you do they will reduce your credit card limit in extreme ways and then close your account out right. main cards I had problems with are Musicians Friend Credit Card and Sweet water credit card. I have never had a company reduce my credit line from $5000 and take it to the balance ever but this company did then they closed my accounts entirely a few months later. PLEASE WHATEVER YOU DO BE CAREFUL WITH SYNCHRONY BANK PERIOD. I will never again get a card from there bank ever

2 months ago

star star_border star_border star_border star_border

Janet Carmichael

I am so saddened that our banking system allows such a company to operate such misleading and deceptive trade practices as this organization. I signed up for a two year payment plan in 2021. As soon as I received my first statement, I quickly calculated that they were specifying a payment amount that was to set me up to not pay it off on time. After GREAT resistance I finally got the rep to change the amount to be auto deducted such that I would pay it off in time and avoid any and all interest charges. Upon the expiration date of the promotion, somehow they had added additional monies owed and passed on a doozie of an interest charge. They are unable to explain how that happened. Note that I have contacted them now four times tallying at least seven hours of explaining to each representative their error. Each and every time, they had no notes on the prior conversation, continued to deny that I ever filed a complaint. Eventually they agree they saw I had contacted them and then begin again the standard script evading any note of customer service and/or resolution. I even received emails stating I had messages in my account only to go there and discover no such messages. Their idea of customer service is to hide, deny, hide then deny. DO NOT UNDER ANY CIRCUMSTANCES enter into any agreement with this company. They are designed to set you up and then run for the hills. How can this company be allowed to operate? They are a disgrace to business.

2 months ago

star star_border star_border star_border star_border

Dale Sonnenberg Indianapolis, IN

I have a care credit card through synchrony bank and am enrolled in auto pay. I had to change my account numbers because of some fraudulent activity on my bank account. I changed everything on my auto pay with synchrony and they still screwed it up. It showed I had made my payment on time and then a week later I look and see it's past due. I've never made a late payment on anything in my life and these incompetent fools can't get it right. So now I'm stuck with a late payment on my credit report because they have no idea what they are doing. Unbelievable how anyone can be so incompetent. All they do is answer a phone and can't even get that right.

2 months ago

star star_border star_border star_border star_border

James Wilkinson Olympia, WA

Lousy experience trying to open a CD. I filled out their application online and got no confirmation. After a couple of days, I called, and they could not find any record of my application. I filled it out again with the customer service person on the phone. Again, no confirmation. After about a week I got a letter denying my application saying, "Your application has been declined because we are unable to verify your identity as required by the USA PATRIOT Act". What? I have been a U.S. citizen my whole life, never changed my name, lived in the same address for over 20 years and they have my SSN #. Are they really saying they are that incompetent? or is there something else going on ...? The world is becoming a scary place. Anyway, I moved on to a more competent/reputable bank and I would suggest you do the same.

2 months ago

star star_border star_border star_border star_border

kevin parker Swansea, MA

Had this card for YEARS (4 to be exact)! Paid off my balance and haven't had one on it for at least 2 years. Just recently, in the last 6 months, I went through a financial hardship. I was then surprised to find an email from Synchrony Bank telling me that they canceled my credit card. Now again, I had NO BALANCE on this card, and have kept a great relationship with then, so imagine my shock upon receiving such an email. My credit score suffers further, I lose my available credit on that card, and I feel betrayed and hurt by this company to boot! I could see it if I was late on payments, or if I had an outstanding balance, but I was always on time for payments, and I NEVER kept a balance on this card. These people are scumbags. DO NOT do business with them. They won't hesitate to kick you while you're down.

2 months ago

star star_border star_border star_border star_border

Disappointed Warwick, RI

Terrible customer service!! I paid off my account and had a zero balance, and 6 weeks later I had a balance again, and didn't use the card. The account was messed up for 2 months when suddenly my closed account through Synchrony from years ago also had a balance!! It was a closed account and suddenly showed a balance? I called 4 separate times in an attempt to straighten it up. When I called yesterday, I asked to speak to a supervisor and she got on the phone in a mood. She told me that my bank account was closed. It has never been closed. I have had the account for years. I kept trying to explain my issue and she kept saying over and over that my bank account was closed. Not true. I ended up closing the account for my JC Penney card due to the treatment. I have been a long time customer, I don't miss payments and I was treated horribly by Heather a so called supervisor from the call center. She was rude, and she didn't listen to the problem. Horrible customer service! Train your people!! I am contacting JC Penney to let them know how I was treated by Synchrony and why I dropped my JCPenney card. Also, I am reaching out to the State Attorney General to file a BBB complaint. I encourage others to do the same. I am disappointed in the way I was treated for a series of missteps on their end. Shameful.

2 months ago

star star_border star_border star_border star_border

Roger Smith La Porte, TX

This is a very low class lender bank. I have 3 credit cards through them two have not been used they are less than a year old. So they closed those two. I have one through this bank now that I have and making payments on it and they sent me an email saying that it was closed. So I get in touch with them and they say that the account with this card is good. So is it closed or is it opened. Once this particular account is paid I will never ever go through this bank lender again. Their customer service support is crappy. I have read numerous very bad reviews and seen lawsuits against this bank lender. My advice is if your applying for a credit card DO YOUR HOMEWORK AND MAKE SURE ITS NOT THIS PARTICULAR LENDER.

2 months ago

star star_border star_border star_border star_border

Alexa Ray Titusville, FL

Withhold of funds for months!!! They have put my money on hold for months now. No answer, no information. I want to close the account, they won't let me. Disgusting policies and customer service.

3 weeks ago

star star_border star_border star_border star_border

Terry Harden Costa Mesa, CA

I would leave Zero. I agreed to sign up for a trade credit card with Crate and Barrel. Was the wrong thing to do. Incorrect statements and when I made Schedule Payments they didn't work on the date schedule! (Too Many Times!). Stay away....Far Away unless you want a head ache.

1 month ago

star star_border star_border star_border star_border

SarxBot Ontario, NY

ZERO stars. This place has worked me over too many times and they don't care. They allowed a business to charge me 3x over and made my life a living hell. Not to mention the fact they are pushing for APR over 40%! Stay away from Synchrony and the creeps making money scamming the people.

1 month ago

star star_border star_border star_border star_border

DiamondParkCBLEE Lawrenceville, GA

The worse creditor ever!!! Do not obtain any type of credit card from this company. They will screw your credit up by lowering your limit to your utilization and have you maxed out for no reason at all. Closing my account with them and will NEVER EVER use them again! Deuces

1 month ago

star star_border star_border star_border star_border

Helena Mire Dallas, GA

I made a mistake by opening an account with this bank since they do not have any physical locations; I am obliged to talk to their customer service supervisor. Instead of listening to the concerns I called about, she seemed more interested in listening to herself talk, as if she had more issues to resolve than I did.

1 month ago

star star_border star_border star_border star_border

carla North Brunswick, NJ

Horrible experience with this banks credit card. 2 hours to apply their app stinks customer service is not good I called and got hung up on. Seriously 15 years ago we used them no issues this time asking for photos and videos then taking you back to start due to their systems doesn't work well!!!!!!!!!!!!!!!!!!!!!!!!!!! HORRIBLE.

1 month ago

star star_border star_border star_border star_border

Becky Morris Perrysburg, OH

They lower my credit limit constantly! I make payments so then they lower it to my utilization. Amazon Synchrony has done this once and Synchrony Mastercard has done this twice! So it drastically increases my debt to income which makes my credit look worse!

1 month ago

star star_border star_border star_border star_border

Lillian Pardo FL

I was sued by GE money for a account that was over 12 years old The attorney that sued me never provided proof that I owed the money I will not do any business with your company again This company will not make another dime from me

1 month ago

star star_border star_border star_border star_border

Morgan DeKnight

I was forced to over pay by nearly $1,000 and after several weeks on the phone and many promises that a refund check was on the way, they never sent it. Worst banking institution on the planet. Owner is a thief and should be shot. Terrible company

1 month ago

star star_border star_border star_border star_border

Darrell Schultz Phoenix, AZ

Do not use their banking, nor get a loan through them. The customer service is horrible, also not the best people to talk to and are not helpful at all. Plus I've been trying to pay off a loan that I did with them for dental work and have not once been able to pay on time due to the fact their auto-pay doesn't work and have been charged 200 dollars so far for something that wasn't my fault to begin. Use a different bank if you can, it will safe a lot of hardack

2 months ago

star star_border star_border star_border star_border

Cassie Smith Portland, OR

Run! Run far away from using this bank. We purchased furniture almost 6 months go with Mor and they put us in the wrong payment plan. It has been a literal nightmare. Even after we showed them that we were supposed to be in a longer agreement, it has been 3 months and this still hasn't been resolved and now I have a notice on my credit that I'm 30 days past even though we have made the monthly payment we were first originally told.

2 months ago

star star_border star_border star_border star_border

Alicia Wichita, KS

The worst bank I've ever had credit with. Closes your account for no reason when your bill is paid on time. Decreases your credit limits when you've been paying on time. They make no sense, once my accounts are paid in full I will be closing them all even if it hurts my credit and will never apply for credit or bank with them ever again in my life. Id give this company negative 5 stars if I could. Please bank/credit with anyone else but them.

2 months ago

star star_border star_border star_border star_border

D L Carlsbad, CA

Just trying to open a new CD account so far has taken a half day and still not done. Now I have to wait for them to approve me to open an account. Seriously, they are the ones who need approval, and they are failing miserably. Now I'm supposed to receive it by snail mail for their approval! Another week or so while rates go down. The worst bank I've ever dealt with by far.

2 months ago

star star_border star_border star_border star_border

Shilpa I CO

Purchased a Synchrony Home credit card on 11/2022. This was the first time for me to know how this works. I thought in 12 month the amount paid to buy furniture would be paid and autopayment also gets cancelled automatically. In Jan 2024, got to know Synchrony has charged 613$ interest on my account as the full amount in 12 month was not paid. I called the customer care to explain the situation and was the first timer , they did not wave off the amount. Very poor experience with Synchrony. Immediately paid the amount and closed the credit card.

2 months ago

star star_border star_border star_border star_border

Candi Thomas Chicago, IL

Customer service is terrible once I pay off my credit card I will be closing my account and never again dealing with Synchrony bank. I’ve only called in twice and both times the representative yelled at me and I literally had to go off. English is not their native tongue so basicallly there’s a communication barrier and since they don’t understand what I’m saying they just yell Judging from these reviews I see I’m not the only one that had a terrible experience. NEVER AGAIN!!!!

2 months ago

star star_border star_border star_border star_border

Gwen L. Killeen, TX

I was never late on my payments and always paid more than they amount due every month, and they took my unused credit away after I cancelled a Credit Security Program charge that I found on my bill every month. They were literally charging me $65.00 a month for whatever that Security Program was. I had no idea. I kept wondering why only a few dollars of my payment was being applied to my credit. I am so angry with this company. I have been a loyal customer for years and thats the crap they did. Run, don't walk from this company. They do not have the customers best interest at heart.

2 months ago