Name: Synchrony Bank
Rating: 1.1

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Treci Mcneil Jonesville, VA

We had 3 accounts with these people and they closed our accounts with out notice for no reason we were current and they took our credit limit down for no reason on our last one for no reason again was current paid accounts off several times . Definitely watch out for these people ! Not a happy customer

1 year ago

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Azerath2019 Kearney, NE

Quick to give credit, but will always look for a way to reduce it and hurt your credit score. They will lower your available credit to within pennys of any balance you have just to lower your score more. I've never had any credit company do this except synchrony.

1 year ago

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john gudaitis El Paso, TX

This company is a scam. I made my payment on time and then they used my info to payoff my account without my authorization. They forced an overdraft on my checking account and refused to fix it. Customer service is horrible and disrespectful. Avoid this scammer at all cost. No matter how much you need the help, it’s not worth the trouble.

1 year ago

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Debbie Baumgartner-Gray Columbia, MO

A FFO charge ..from 2018 was returned & resolved by dispute!!!! To date 1/1:2023…I’m still getting COLLECTION CALLS…& was settled on my behalf..Haven’t received statement by mail in years, but collections from calling all hours still! Totally frustrating & ready to press illegal collectors law!!!!!

1 year ago

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Kathryn Richards St. Petersburg, FL

On 2 different accounts, auto pay did not work with Synchrony the last 2 months. My bank says it's on Synchronys end the problem exits. Cannot get issue resolved. Plus late again. Ruining my credit. Never was an issue before this.

1 year ago

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Tv Viewer Chapel Hill, NC

This company is horrible. They lower my limits for no reason. The accounts are in good standing no late pays. When they do this that makes my credit score go down due to the fact my utilization has increased to 90% of my limit. Can't wait to pay of these accounts and I will not be doing business with them again

1 year ago

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Stephen Hankins Madison, AL

This company is the biggest scam artist I've ever seen. They look for a reason to close your accounts. I paid my bills on time & they closed my accounts because the credit bureau say you are a high risk because you ask for a credit increase. I hope Noone ever uses you again.

1 year ago

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Jairo Baez Philadelphia, PA

The worst card that can exist, they closed my account for an extra payment that I made and the transaction was not made, it was not even the minimum payment, I made it because I wanted to pay something extra and they closed it without even giving notice

1 year ago

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D L Lafayette, IN

This bank is the worst! They hold payments past due date to collect fees. they get payment and do not process payments. I have never had such trouble with a credit card company. They handle Sam's Club and JCPennys and more I am sure. I had both and it happened with both. Closed the accounts when I seen what happens.

1 year ago

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Bob Longmont, CO

Synchrony Bank refuses to permit downloading statements online unless I agree to paperless billing. I have had both paperless and paper billing for the past 29 months, but they claim this was only a 3 month pilot program they cancelled. All my other credit cards allow downloading statements without enrolling in paperless billing.

1 year ago

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Nicoleee Adams London, KY

Synchrony charged me 897 for a charge that I didn't even make. Assured me after they investigate it and seen it wasn't mine they would refund my money. I was in a spot due to a mortgage I was getting. It's been a year and I'm having to hire a lawyer to get my money back. Just don't do it. It's not worth the head ache

1 year ago

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mike Gallatin, TN

I acquired business loans from Synchrony Bank. First, they are very high interest compared to lenders. Secondly, after you pay off a loan you will wait forever to receive your title. I paid off loans 2 months ago and I have called and called them and they still haven't sent my titles. Very poor customer service. Stay away from them!

1 year ago

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Jim VT

Black ox unresponsive do not answer mesages or phone calls I AM LEAVING AFTER A PAINFUL YEAR OF TRYING TO COMMUNICATE NO AUDIT TRAIL ON REWARDS POINTS NO AUDIT TRAIL ON TRANSFER TO VERIZON WIRELESS--NO MESSAGING I HAVE WASTED HOURS. NOT WORTH IT.

1 year ago

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F F (Fallie) Irvine, KY

Horrid bank to deal with. Had to use them with Amazon credit. There is always random unexplained charges, payments charging twice, and getting your account sent off to collections if you don't pay on the date they tell you to. Forget that you might have an actual life and need to wait til payday to pay them. Avoid them if you can. Not worth it.

1 year ago

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Google User Seattle, WA

Terrible treatment of returned cd investors. Advice: don't be in a hurry to fund your cd accout and watch for strangely non-transparent interest rate changes. Also beware: once your account is funded, if you decide to close it immediately, there is no grace period to do it without a penalty. What an awful pracrtice.

1 year ago

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Hunter Messer Amarillo, TX

Horrible, closed my account today and am never looking back! Please DO NOT bank with them. Very poor service, and the additional charges are ridiculous! I bought a $16 dollar item and within 2 months it turned into $66. So many better options out there. Please save you’re time and money. Go somewhere else..

1 year ago

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Frank Coco Boynton Beach, FL

Returned an Apple Watch on August 6th to Amazon but Synchrony bank will not give me a credit on my credit card. I have made 7 calls to their customer service people and get zero results.This is the worst credit card that I have ever used. I will not use this credit card ever again.

1 year ago

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Andrew Brouillette Holden, MO

Terrible terrible bank. They make everything as difficult as possible. Have several accounts through synchrony, yet have trouble accessing all of them. Randomly lowered my credit limit from $2500 to $250 for literally no reason hurting my credit utilization. Trash company. Never use them for anything. Closing every single account with them now.

1 year ago

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Daniel Perkins

I had a pay ent dispute. Thought it was taken care of. They charged late fee for no reason and denied Amazon card purchases for no reason. I also think what it says is on my card could be wrong. They are a scam ripoff. If Synchrony bank is used stay clear.

1 year ago

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Keith Iskra

Synchrony is a absolute joke and they don't deserve anyone's business. You can't do anything with this company and you forsure can't get any real help and by the looks of the rating they don't care either. Both my accounts are closed today and my business will no longer be with them. I'll just stick with real company who cares. DISCOVER

1 year ago

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Angelica Jackson-olguin Covington, GA

I wish I could give this card a zero. I go today to use my chevron/ Texaco card but was decline so I called Synchrony and was informed that they closed my account due to lack of real estate on my transunion report I never had a late payment. They should not allow this bank to stay in business and continue to mess with people credit.

1 year ago

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Deborah Karr Chicago, IL

I’ve had the worst experience with synchrony bank, they’re interest rates are the highest amongst store credit cards. Their agents are outsourced and provide horrible customer service/ account managers are completely out of touch with financial struggles during this time and show zero sympathy for their customers.

1 year ago

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Adirondack 1979 Richmond, KY

Do not get a credit card with Synchrony Bank. Every single purchase you make will require you to call in and verify yourself and purchases because it is "suspicious activity." They will block purchases until you give them a 4 second video and pictures of the front and back of your drivers license and then call them to give them a passcode.

1 year ago

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Richard Laporte Panama City, FL

They will not reimburse for a lost or stolen item! They do not post payments timely so they can't get additional interest! This bank is more corrupt than the Democratsbin Washington! I've never dealt with a more corrupt bank in my 68 years!

1 year ago

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Daniel Smith Canton, GA

Absolutely evil credit card servicing company. They will slash your credit limit the mintue your credit score dips, whether temporary or not. This creating further damage to your credit score. Never experienced anything like this from another credit card. Steer clear of any card backed by this organization.

1 year ago

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Jay Feingold

There is nothing good to say about this poor excuse for a bank. Poor customer service. Make you open unnecessary accounts in order to close out accounts. 5 months to close one account due to lost paperwork, stupidity, lack of interest and not enough people.

1 year ago Edited November 2, 2022

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Austin Placentia, CA

Three weeks ago, opened Synchrony on line savings account and transferred $5000 into it from my Chase banking account. Several days late. Synchrony cancelled the account and will not return my $5000. Synchrony has stolen $5000 from me.

1 year ago

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Will Itig Johnson City, TN

Over charged 67+$ interest a year ago. Just sent reimbursement. This month after paying 150 on due date of 3rd. They withdrew 50$ at 1:02 am. on 22nd same month with only 24 due to bill and are sending refund. This caused me overdraft charge from main bank.

2 years ago

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Brandan Tarr Oakmont, PA

Worst bank on the planet nothing can ever be done without waiting 3-5 buisness days. Please if you are thinking of doing buisness with them go elsewhere. Everyone I'd rude especially the supervisor it's crazy that they are even still in buisness. If I could give 0 stars I would

2 years ago

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Glenda J Kennedy Redding, CA

Got scammed on Amazon with this account. Amazon sided with me and so did Synchrony Bank. They owe me 180.00 and will send a check but I also owed them Synchrony 46.00. They reported me and I credit has been damaged. I had to pay them but they always promise but never sent any money. Buyer beware!

2 years ago

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Hippiechick555 North Port, FL

Horrible company. Cuts your credit limit even when your score and income go UP and then closes your account after you pay it off in a lump sum ON TIME. THEY will harm your credit score and don’t care. Horrible company. Horrible.

2 years ago

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Serebina Nyangoya Dallas, TX

Not the best option, last resort 😕 if you want you credit to look bad try synchrony, I had a credit n paid off later to realize they took me to collection because of $13, which they claimed when I called was supposed to maintain the account. First I didn't borrow from them, the merchant did which account am supposed to maintain with them....!!!

2 years ago

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Sam Kumar Brampton, ON

i was owed a refund of $500 instead i received......45 cents after 2 yrs chargin me applicable interest and fees WHAT A BUNCH OF CROOKS.. CUSTOMER SERVICE WONT LET YOU THRU.. WHO REGULATES THESE CROOKS... HOW CAN THEY GET AWAY...

2 years ago

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Fanci Heyser Philadelphia, PA

Horrible to deal with - no customer service- no support - when you have a problem you cannot talk to anyone about that problem they can only put in a dispute… And then you get a letter with no conversation no calls no anything… Good luck dealing with this company

2 years ago

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Salman Noor Orlando, FL

I applied for a deferred interest financial account via one of the furniture stores in Florida. They refused my application because I paid my previous account with them in time and did'nt give them any opportunity to milk me for interest ................ Avoid . Customer service lady was very short and abrupt.

2 years ago

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Keisha Mccall Rosenberg, TX

Fraud! Do not do any financing through MySynchrony. Paying on a card for years, more than the minimum balance monthly, yet my current balance is still higher than my initial purchase 3 years ago and they are charging interest on top of interest.

2 years ago

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Jeff Woo Rancho Santa Margarita, CA

Worst customer service ever. Never received an item and opened a dispute. It took them a year to figure things out and by then they said it has been over 120 days and they cannot issue refund, even though I initiated the dispute within 14 days of initial purchase.

2 years ago

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dwerth1 Renton, WA

Tryed to open a savings account only to be told that we had to wait 60 days for online access.After numerous long wait times and no help whatsoever we were told that 60 days is the normal wait time to open an online account.BEWARE

2 years ago

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April Brown Brandon, FL

Lowered my credit limit drastically after I paid off the balance from $1000 to 250. Of course the didn't offer to put it back. I closed the account. Now you lost a customer. Just make sure that 0 bal shows up on my credit report first.

2 years ago

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Dannett Miller Ringgold, GA

1 star is too many for this company!! Synchrony bank is terrible!! They are doing nothing but hurting credit scores by lowering limits and closing paid off accounts!! I have never been treated this way at all!! They have now closed 2 accounts and lowered 2 of my cards limits. Just awful!! I have always paid on time!!

2 years ago

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edwina dahl Anaheim, CA

They want your money ....but you can't talk to anybody.....you are sent to them to make pmts for other companies but there is no one to talk to about the total ant owed t synchrony bank you don't sign up for synchrony bank you are sent there and there is no one to help you

2 years ago

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Smiley Lexington, NC

Hello.I told them I was a victim of a scam I used my synchrony bank master card they said they were going to investigate the claim, all my accounts are paid on time next thing I know they checking my credit lowering my accounts to know fault of mine I will not do no more business with synchrony bank I will start looking into comenity bank

2 years ago

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S Brandt Bath, PA

If I could give them -10 stars I would. I don’t know why it takes ten days to post a payment. I think they want it to bounce back so they charge you more. It’s a shame that some really good stores choose to deal with them.

2 years ago

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Dennis Charles West Palm Beach, FL

Takes 4-7 days to get your money transferred to your external accounts, other online banks do it in 1-2 days. Customer service personnel on the phone are okay, I'm pretty sure they are in a different county though.

2 years ago

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Kevin Arnett Minneapolis, MN

They don't care about their customers I use my lowes card in my business I added 7k to do a job for 20k so they seize th we funds and hold them for 30 days even though it cleared my bank.....thieves is what it is take money give nothing

2 years ago

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James Wright Dundalk, MD

I brought a trailer lock from Amazon. I turned it Amazon refunded my money synchrony bank still claiming I never returned it! The gift card money was refunded to Amazon. My credit card balance still holds the charges! It’s been months. I’m thinking of not paying nothing!

2 years ago

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michael howard Snohomish, WA

After canceling a couple of extra payments, I still paid off most of my Pay Pal Credit account with Synchrony Bank. However, the bank some weeks later has suddenly increased my credit limit and closed my account IN THE SAME DAY, without notifying me.

2 years ago

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FBM Orlando, FL

I have 3 accounts never late, always OVER pay on the ONE that have a balance and suddenly when I have to provide photo ID and video of myself I can in NO way get credit for furniture with a high 700 credit score and good standing with other accounts thru this company.

2 years ago Edited April 1, 2022

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Sheila Campbell Longmont, CO

Do not use this banks credit card . I paid my credit card payment online and somehow they took my payment out twice. It was a pretty large amount and now they are giving me a run around to get my second payment back . They clearly took it out twice and now they want a bank statement to show what I paid it twice even though they got paid twice.

2 years ago

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Elizabeth Wilson Dickinson, TX

This is by far the worst bank to deal with. Lowered my limit by 75% stating I do not use thier services enough. So now my debt to income ratio is out of wack. They also stated I am no longer a good risk because I no longer have an active mortgage. Shame on all of us who pay bills on time, do not abuse credit cards, and respect credit period.

2 years ago