Name: Synchrony Bank
Rating: 1.1

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Daniela Mezzina Lyndhurst, NJ

synchrony decided to close 10 of my credit cards!!!! with these closures, 20 points removed from my credit after working so hard to get it where its at after i was a victim of fraud!! im not understanding why when i paid ALL my accounts, some with zero balance!!! i paid my account faithfully every month, sometimes twice a month.. risk for failure to pay??!! HOW? this company is garbage.. please do not ruin your credit trying to get accounts with this bank!

2 years ago

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John Kovacs Evans, GA

Synchrony Bank recently lowered my available credit line, this in spite of several of my other credit cards increasing my credit line. The problem that this caused was reducing my credit line instantly put me over my credit limit and therefore I got dinged on my credit report lowering my score by as much as 15 points. This is unacceptable.

2 years ago

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Mari M Carrollton, TX

Merchant sent me a refund for over $200 and Synchrony refused to apply it to my balance. Even after uploading all the proof. Been trying to get it applied to my balance since April. Filed with BBB and all Synchrony responded with is that it can take up to 90 days to investigate the dispute. This is after they closed 2 of them in the merchant's favor. Stopped using Synchrony to make any other purchases.

2 years ago

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Blake6.4 Mount Holly, NC

Worst bank ever, they will keep calling you and harassing you the day before and day of a payment being due, they will not stop calling you, I would give zero stars if possible! It’s ridiculous how much they will harass you, the late fees are even more ridiculous, if you have to get any loan go elsewhere don’t come to this shady bank that only cares about them selfs

2 years ago

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Sherrye Orr Kingsport, TN

I have tried to get pervious back statement on my Lowe's card for a VA audit. I called on 8/23/2021 and check they status has no record. I called every day to check the status of the statement copies finally they have only have one request which was on 9/2/21. the customer service representatives are rude and don't know what is going on. It a shame that Lowe's is such a great store but the credit card phone is horrible.

2 years ago

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Burke Madison, AL

Synchrony closed all 9 of my accounts. All nine were in good standing and I have NEVER missed a payment. They said I was a high risk for future non payment. This a infuriating for those of us with good credit. This company needs to be shut down. Good credit and a good history means nothing to this company. It’s pathetic. You need a negative star option for rating your company. Shame on you.

2 years ago

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M Morales Kissimmee, FL

Synchrony Bank is the worst Credit Card; they have the highest rates and the worst customer service. If you do not carry a balance they will reduce your credit line or close your account without reason. They suck in customers with no interest "specials" only to hit them with over 20% interest for any reason. Its a trap many fall into and if you don't they will drop you.

2 years ago

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Bo Parker, CO

Synchrony Bank started out great. I opened up several lines of credit with them and had decently high limits with low balances. Ironically, after filing a dispute for $1,100, ALL of my Synchrony accounts were shut down. When I called and I asked, they said I was a high risk to pay. Excuse me!? I've never missed a payment, never late, nothing. This was dirty and below the belt of them. Will NEVER do business again!

2 years ago

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Jenny McNabb Wellington, FL

After three hours of holds and transfers between departments, I was given over to a woman Patty J who failed to address my concerns or answer my questions, was incredibly condescending and rude, and then hung up on me! I am absolutely floored at how bad the customer service is at this bank. I don't know how this woman has a job caring for customers -- she clearly doesn't.

2 years ago

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Bill Stanton San Francisco, CA

Just the absolute worst. Got a $1200 credit line for tires. Only spent $650 of that, so they knocked my credit line down to $650 after a few months. That nuked my FICO for a year. They did it again at $400 as I paid it down, then at $200 they closed the account, another negative on my FICO. Was never late on payments. Evil, awful, disgusting company.

2 years ago Edited September 14, 2021

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Sophia Wright Hoboken, NJ

My account was CLOSED due to an issue with autopay. Not suspended but CLOSED! I had a balance of less than $12 which was paid immediately after I received a notice. I was told that the account couldn't be reopened after it had been closed and I would need to re-apply. Ridiculous! I was about to buy a car and now this account closure will negatively affect my credit score. If you didn't pay you balance of $12 due to an issue which is beyond your control, be sure these guys will screw up your credit history. Many similar reviews here. STAY AWAY FROM THIS BANK! YOU'VE BEEN WARNED.

2 years ago Edited September 14, 2021

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Win Baltimore, MD

Had TJX card...ended up with 2 cards and multiple calles later and several rude customer service reps from Philippines that assured me both accounts closed...I continued to receive billing/interest on these accounts. This is fraud and certain Synchrony Bank fully aware as this was iver a 4 month period. Was never able to speak with supervisor and given customer care number when asked for corporate number. This bank should be held accountable and federal complaints issued and accountability from this phishing bank.

3 years ago

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Sadra Sepehri Portland, OR

This is hands down the worst credit card company I have dealt with. They processed the wrong information on my application and gave me a credit limit of $1,000. I called them 16 times and talked to rude people over the phone and finally fixed the issue but they still refuse to do a manual review and increase my credit limit. I have an 800+ score, S165 K net income, and a very low debt to income ratio. DO NOT USE THESE PEOPLE FOR ANYTHING.

3 years ago

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William Deiss Southampton, PA

This is one screwed up bank. I applied for a Lowe's credit card which is issued by Synchrony Bank, and they turned my down even though my credit score is over 800, I have no debt, and my income is in excess of $400,000 per year. When I asked why I had been turned down, the only response that I was given was that I had to wait seven to ten days for a letter from them. I wrote to Lowe's and told them that they need to find a new credit card partner.

3 years ago

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Chris Wiler Phoenix, AZ

Online service are the worst. Have several credit cards from various banks, the three I have with synchrony Bank are the biggest pain to pay. Sure there is the pay as guest feature they throw at us, but I like how all the other banks have reliable app services.. The one app I have available is for care credit and it is glitchy and always forgets my information so I have to go through a myriad of steps to get back into which defeats the purpose of the app. Don't bother calling customer service over anything, more than a 40min wait everytime and they are always less than helpful.

3 years ago

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Lee M Gainesville, GA

Never sent statements and reported me for missed payments. Got that straightened out, but then they still NEVER sent me a statement. They also said they were sending me a Discount Tire credit card. It never came. VERY long wait each time I called them, and finding a number to call on their website s VERY hard! Since all of my accounts with them are with store credits and Paypal. I will be paying them off ASAP and dropping those store credit cards as fast as I can. Goodbye Walmart, Discount Tire, and Paypal. I'll use my other credit cards that have better customer service.

3 years ago

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GoBears64 Chicago, IL

Not good at all! they close all Credit cards, there reason:( High risk of not pay back) WOW mind you 3 of those accounts had a zero balance and the rest had very low balance on them were they get this Ridiculous reason that’s my million dollar question. I Have a 100% pay history for a long time if they don’t appreciate my business it’s time for them to go other banks will appreciate my business.

3 years ago

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Joe Ferraro Haverhill, MA

I was recently informed by Credit Karma that one of my Synchrony bank card accounts was closed. When I logged in to verify this, I found that Synchrony closed the account for inactivity. While they *may* be within their contractual rights to do so, doing so without notifying their customers seems like a shady and deadbeat move. I won't tolerate banks like this toying with consumer's credit files. Any relationships with Synchrony, via store cards, PayPal, and alike, are now severed.

3 years ago

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tomget Napa, CA

The worst experience so far is that instead of closing my 12 month CD and depositing the money in my local WFB account as I asked them to do via phone..they actually went and withdrew that exact amount from my WFB checking and added it to and renewed the existing Synchrony CD..can you believe that..?? wow..my head is still swirling..trying to solve it..complained to my senator.

3 years ago

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J Bailey ,

If I could give them no stars, I would. WHAT KIND OF A BANK IS IT IF YOU CANNOT MAKE AN ONLINE PAYMENT? They charge any additional fee they can. Made a payment over the phone, got a confirmation number and days later they claimed no payment was made. Had a payment automatically draw from my bank 5 days prior to the due date. They can’t even manage posting payments in a timely manner. RUDE customer service with an attitude. Do not deal with this horrible bank!!

3 years ago

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Keycharita Gardner New Castle, DE

This company is a sham! I have made on time payments since having this card (about 2 years). I decide to pay in full so I can do a little shopping, just to look at my account and see my credit limit dropped from 1,000 to 350.00. The rage I felt was so unreal. I tried to give it time and see if the company would fix this but has given me a hard time since. Balance paid off, card CLOSED! It is not worth the stress.

4 years ago

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Shantaye Johnson Fayetteville, AR

I WILL MAKE SURE IGIVE THIS COMPANY A BAD NAME. I PAID A 2700.00 BILL OFF IN OCT 19 AND BCUZ I HAVEN'T USE SINE IN APR 20 THEY DROPPED MY LIMIT TO 250.00. IF I HAD CREDIT ALREADY WHY GO CHECK MY CREDIT AGAIN WHEN YOU KNOW THE WORLD IN A GLOBAL PANDEMIC. SO OF COURSE MY CREDIT LIMIT ON CARDS WILL BE HIGH. THANKS FOR NOTHING I WILL MAKE SURE MY 8 FAMILY MEMBERS CLOSE THEIR ACCOUTS AND EVERYONE I KNOW NEVER USE YOU AGAIN

4 years ago

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shan

Awful interface, on weblog on, on top of that billed me many times erroneously for the same service and debited my bank account twice on auto-pay a few months. Sams Club, Amazon, etc all use this under par bank for credit services. Use a reputable Bank or card service. This is a nightmare of a bank. Cant save passwords as the header is the same for all accounts and different service provided. Its IT services are done by amateurs. Cant provide a statement to see properly on their credit card sites.

4 years ago

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Richard Mentor, OH

For some reason they blocked my account due to fraudant activity, I guess. They wanted me to go through a verification process....take a pic of myself on phone, photo of credit card front and back...video of me rolling my eyes for 5 seconds,and then send a pic of my driver's license. They wouldn't verify me by my security answers or my landline. Now I have to wait 2 weeks for a letter with ANOTHER verification code even though the two they gave me on my phone wasn't good enough. I am NOT comfortable doing all of this and will most likely cancel it.

5 years ago

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Jose palomino Cementon, PA

Totally disappointed. They give 12 months 0% interest and I almost paid off everything. So I end it up own then only $1400 and after the 12 months 0% expires I was expecting that they will charge me interest for the amount I own actually. But that was Absolutely not. They charge me interest from the total amount I lend. I was totally disappointed and I’m going to take legal action about this. If someone has same situation please feel free to join me.

5 years ago

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Debbie Stancliff Flowery Branch, GA

This is by far the worst company I have ever dealt with thru QVC. I called and ask what my interest rate was and was told I did not have a percentage rate that it was a daily rate. Then I was told everyone who has a Q card has a 26% rate. I called to get my balance and complained about the rate and was speaking to a supervisor and after giving me my balance he told me he was with Walmart not QVC he pretended to transfer me and of course I was hung up on. I will never shop with QVC again if this is how they choose to do business.

7 years ago

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Heather Hale Tampa, FL

After they bought CitiHealth, they failed to actually test the system to ensure that you can get registered. No matter what you enter, they find your Citi account, but you can't register. The page refreshes over & over without any errors or registration. My payment is now late because they shut down payments on the Citi site before the actual buyout too.

7 years ago

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Cheryl Sagalow Chicago, IL

This is by far the worst company I have ever dealt with. They try to use only automation. Pulling my own teeth would be easier than getting answers from this company. DO NOT USE them unless you have the time to spend 8 hours on the phone. Their website continues to tell me I do not know my login, then it tells me I do not know my password. Every month I call customer service, use the same login, same password and they finally give me the balance of the account. It is scarey to have this bank working with my finances.

7 years ago

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Tracy Morrison Profit Caldwell, ID

I never complain, but today I have had enough. Since Synchrony Bank has taken over my Old Navy, JcPenny and Walmart credit cards (they use to be with GECapital), they have lowered my credit limit on all of them, not because I'm late, not because I'm over my limit, and NOW just here in the last 2 weeks they lowered my Old Navy account AGAIN....I know, you're asking Why? If I could answer that question, I would, but I can't, because I have no idea. They don't return calls. I rate them the worse company to deal with and now I will make a strategic plan to pay them off and cut them up!

8 years ago

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ash Bethesda, MD

Synchrony Bank handles charges for QVC. I have done business with QVC for years and pay my charges IN FULL each month. However, in August I was exceptionally busy and the bill was misplaced on my desk. I received a very harsh notice from Synchrony Bank and a further email referencing "debt collection." I have contacted QVC and substituted my own credit card so as not to have to deal with Synchrony in the future. They do not differentiate between those who pay regularly and those who are regularly/frequently deliquent. Miss one payment and you are treated like a common criminal.

8 years ago

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Kara Chiu Las Vegas, NV

The worst customer service ever! Instead of trying to help you to fix the problem they argue with you! I mean hello??? Is this what you call customer service ?

8 months ago

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PIKOLO390

Wow im the victim now i paid my monthly payment on time and they charged me the whole amount i owe them so now i have couple thousand dollars negative in my bank 👏👏

8 months ago

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Joseph Gregg FL

Open my Sams Club account with them in June and still having issues even opening the account. Third card sent out to activate is on the way and still haven't been able to use my card. Seems like they don't want my money.

8 months ago

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William Tracey Waterloo, IA

Synchrony Bank doesn't care at all about customers. Don't ever think they do. Just as I needed a procedure, and needed to use my Care Credit account, they lowered my credit limit arbitrarily.

9 months ago

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yanina szenkman Miami, FL

Even tho you pay your amounts in full - and then some. they allocate moneys anyway they want and say you owe interest - how do i owe interest if i paid it in full? stay away from them!

9 months ago

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Cme Bluffton, SC

This bank stole $300 in rewards points From me and uses computerized automated phone tellers to make it legal. I'm taking an hour a day to spread the word that this bank is not your friend. Do business somewhere else.

10 months ago

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Kim Verstraete Waterbury, CT

I registered for online banking today. I needed to call customer service because after downloading the app it was telling me that it didn't recognize my account information. The agent was extremely rude and spoke to me like I was stupid. I didn't realize that I couldn't use the online app because that was for credit card, not bank accounts.

1 year ago

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Sharlene Clayton Statesboro, GA

Can you post negative numbers?! Worst bank EVER!! Have never seen such pathetic service, customer concern, willing to work with customer to resolve issues. When I can get these accounts taken care of, I will NEVER use this company again!! Rude, don’t care about your business at all. Rn as hard as you can!!

1 year ago

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Nelly Nel Ocoee, FL

I have multiple accounts with synchrony bank. Recently they reduced one of my available cards down by $3000 to the amount that I owe. This puts a hard hit on my credit. I’ve paid on time and haven’t had any issues until now. They didn’t even call me or write a letter in regards to this. Just horrible customer service.

1 year ago

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Gene bovinett Sevierville, TN

5 wks to get a title delivered after a payoff is ridiculous. Now I can't even list it for sale for 5wks Very poor business Should be much faster The last one I paid off they lost the title. Will avoid this company as service is pathetic.

1 year ago

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Justin Gilbert West Valley City, UT

Aprilmiracle.com stole $59.97 from me after Synchrony Bank decided in favor of this merchant twice! I had clear evidence that I never got the item or my money back and they still thought Aprilmiracle.com was in the right! Avoid Synchrony unless you want to approach them with a problem and never see your hard earned money handled fairly!

1 year ago

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Jacquelynn Thompson Ashburn, VA

Why is it SO difficult to find and verify a mailing address for overnight payment for a check that was either lost in the mail or Synchrony mishandled - with these two it's a 50-50 on whose fault it is. TERRIBLE CUSTOMER SERVICE!! Can't speak to anyone live and the address given on the 800 # you can't verify via Google.

1 year ago

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Jill Binette Martinsville, IN

AWFUL. Endless loops to get to your accounts to manage them. Their website stalls and is frequently off-line. I hate having to use them. Mega corps like Sams and Amazon can afford to have a credit department. Using this third party just SUCKS. I really,, really dislike this.

1 year ago

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Chloe Wang Oakland, CA

This bank make so much mistakes on my accounts including charges me with unauthorized transactions! And affected my credit score just because of their actions. The representative/customer service needs to be trained properly than this.

1 year ago

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Eddie Hir Bel Air, MD

Worst Bank. NO way to get a hold of a customer service rep. The cycle on the phone is a vicious cycle that goes on where. You can't close an account on line, you need to call into this vicious cycle that does not produce a human person. You will end up tearing your hair out and screaming into your phone in total frustration. Stay away.

1 year ago

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Terri Shaw-Brittan San Lorenzo, CA

Awful customer service. Ridiculous charges/fees. Minimum payment changed without notice. Late payment notice 2 days before the very first bill was received - and billing is all digital! Once I pay the final bill I am done with Synchrony forever.

1 year ago

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raywood San Antonio, TX

I use Synchrony for their Amazon shopping card. In my experience, their customer service is largely unhelpful. I don't need customer service often enough to cancel the account. But when I do, they tend to be a waste of time.

1 year ago

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Jachin Baltimore, MD

Let’s start a class action lawsuit because they close my account for no reasons, I paid my account off never was late. I call try to get understanding why would they close an outstanding account and that lady couldn’t explain to me why. Poor customers service, no communication with customers before any actions is taken.

1 year ago

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Zac Lott Decatur, AL

Synchrony Bank Closed my accounts after years of a great relationship. I had a small glitch in my credit due to a fraudulent charge on one of my accounts ( Not Synchrony ) that drop my credit score. I consider this a low blow. My credit score is now on the upswing because the fraud issue was resolved. Do not Synchrony Bank.

1 year ago

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Ann Petty Virginia Beach, VA

I'm glad others are speaking about this shady company! T hey reduce credit for no reason- woke up today with a notice that they reduced my credit limit. I have good credit and have never missed a payment with them and pay over the minimum amount. It's a slap in the face

1 year ago