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3.2

Overall Score

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Fred Johnson Port Royal, SC

This bank has some of the highest rates I ever saw in Amazon. I will use my other credit card for purchases from Amazon and will never use this bank again. Piss poor customer relations. Unclear billing practices.

5 years ago

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Natasha Salt Lake City, UT

I have a loan through them. The interest rates are pretty good. I haven't had any problems with them. The customer service is good.

6 years ago

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Alicia Mccarary Ecorse, MI

The worst company to open an account with. They close your accounts even if they are paid off and it affects your credit score. Never again!

6 months ago

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Ismael Reyes

The worst bank ever ever trying to make a faster payment and all they tell you is just excuses in other word messing up my credit for their pleasure

8 months ago

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Fonta Polk Oakland, TN

Dislike because customers service only worry about a payment instead of answering your questions. They also want give you a increase on your credit limit.

8 months ago

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Vicki Terry Baton Rouge, LA

I sent two payments in error and was told it could be 3 weeks to get a refund. Account is paid up and I have a credit balance. Not likely to use this card again

10 months ago

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Jax W

Don’t just don’t. Pure trash and lies. They charge late fees even when you pay on time. $600 later and I still owe the same amount 10 months later.

10 months ago

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C Bare

Closing accounts on people who have never missed/been late on a payment and pay more than necessary every month! Thanks for ruining my credit! I hope no one else makes the mistake of using your services!

1 year ago

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Sylvia Lugo Tucson, AZ

Today I called for help on a QVC issue. The man on other end was condescending,rude,talked over me! Kept saying “Like I told you”! Didn’t solve anything! Very bad customer service!

1 year ago

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Elizabeth Kohlstaedt Helena, MT

I was refused credit despite an excellent credit score. There was no way to contact customer service. Stay away from anything to do with Synchrony bank

1 year ago

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Shem Brown White Plains, NY

By this bank is the worst charging me a interest rate of $40 for late fee from credit card of 1400 people need to boycott this stupid bank not business oriented unprofessional

1 year ago

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Tom Plunkett Longmont, CO

Terrible company. They advertise one thing but then don't follow through. I am disgusted by their lack of customer service. Crate & Barrel should drop them as a financing partner.

1 year ago

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Michael DeMarco

They are the worst all the credit cards I had that synchrony bank owned were closed by synchrony Bank and ruined my credit. Thanks synchrony bank Don't apply to any credit cards which synchrony bank has.

1 year ago

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Lisa Eipp Syracuse, NY

I have NEVER experienced such incompetence in my life! Deceased husband - years they have owed me overpayment money - can not get through to customer services. Sick of paying for attorney to call... unbelievable

1 year ago

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Rhonda Geanes Oklahoma City, OK

This company cost me a hard pull!! They preappoved me then going through the verification process I was told I was t approved? This is misleading and caused a hit to my report. Their practice is terrible!

1 year ago

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Mama Tried Granby, CT

This business sucks. DO NOT use them. I get the run around and on hold for minutes to hours, getting transferred and the run around, just to drop my call again and again. Cutting up my card.

1 year ago

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C Melbourne, FL

They randomly closed my account that was in good standing. Wouldn’t tell me over the phone, said I would receive a letter in the mail with a reason why… almost a month no letter.

1 year ago

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Glenn Kann Salem, WI

Every card I have them them they reduce the credit limit and hurt my credit score I am done with them canceling every card Discount tire, Amazon, Google and Husqvarna, not ever again

1 year ago

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GEO Peoria, AZ

Avoid Synchrony at all costs! I'm waiting for a credit and I'm told this could take 90 days to complete - which I read the reviews before agreeing to a 0% interest loan for a Mattress from Mattress Firm which I returned.

1 year ago

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Really Fast St. Petersburg, FL

Worst customer service on the planet, like calling your cable company. They don't tell you it will take two weeks to get your money when your cd matures. A sleazy way to get you to renew. A sleazy company. Not the good guys.

1 year ago

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Namor sumac Canoga Park, CA

The new "account manager sneak peek", is a security vulnerability . All of my accounts are vulnerable with only one illegal entry to my Amazon account.

1 year ago

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Haygar Horrible Weaverville, NC

Changing a phone number in PayPal credit is impossible, thanks to synchrony bank. The customer service is inept and offshore based. They screwed up with Amazon and now they are screwing up with PayPal credit.

1 year ago

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Triet Nguyen Los Angeles, CA

They stole my money (reward balance) after closing my account. I have made all payments on time. When contacted, the only thing they can say is sorry. A lot of people being scammed like me.

1 year ago

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Magan Santos Houston, TX

I have been fighting with these idiots since OCTOBER over a refund for a rug I returned. I have all of my documents and they still have not given me the refund. DO NOT USE THEM!!!!!

1 year ago

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Eric Hamilton Cumming, GA

This captain of branded cards dinged my credit rating by lowering all of my balances even though none of my cards were above 30% utilization and most were actually paid off. This company may be run by the devil himself.

1 year ago

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Meuric Elkins Park, PA

The Worst website I've ever seen. The Worst Hold Music I've ever heard. The Worst Customer Service I've ever had. The Worst App I've ever used. The Worst decision I've ever made was getting this GOD AWFUL card.

1 year ago

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George Pittsburgh, PA

They lower your credit line whenever they want. Their customer service representatives are rude. When I am done paying this loan I will close the account, and never do business with them in the future.

2 years ago

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Billy Mcclure San Antonio, TX

Set up automatically pay and they took all the payments out all at once call and said that they would fix it and I was to get a check in 7 to day day still waiting for the check I have call and still get the same answer m

2 years ago

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Albert Detloff Tampa, FL

Made all of my payments on time; nevertheless, they changed my due date and charged fraudulent late fees to my account. I would give them a zero rating they are crooks and liars!

2 years ago

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jimmy grant Richmond, KY

I paid an account in full and they want to charge me $194 for a bank transfer I never made.. I have called and emailed but not once a manager has spoken to me..I filed a complaint with the bbb anyway

2 years ago

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Ralts Monrovia, CA

Trash customer service. You will have to call them several times for one issue. They wont full refund your charge if its not your fault. They have bad servers too and management

2 years ago

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Preston Stephens Modesto, CA

I wish I could give this bank 0 stars. No online account access to manage account, cannot receive a payoff amount so I can no longer have to deal with this Flinestones company. Get up to speed Synchrony!! Never again!

2 years ago

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Josh McFadden San Diego, CA

Total trash fake bank. Changed me $14/month and when i tried to use the account on amazon I'd be declined 30-45 minutes AFTER placing an order. What a waste of money and time.

2 years ago

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Heather Weekesend Delray Beach, FL

The worst customer service of any of my credit cards! The reps read a script. They can't do phone or online payments from my checking account with Chase, but my bank can send them money? What a hassle.

2 years ago

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Maria L Flores Denver, CO

Called to report haven't gotten my new credit card. And a woman named Gaby answer me with a rotten attitude, very hostile and rude. That was my first time calling had a nasty experience.

2 years ago

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Rob Maggi Keene, NH

FIVE phone calls trying to get a copy of my statement totally over 2 HOURS!!! Five days ago they told me they would email the statement to my mortgage company. It hasn't arrived.

2 years ago

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Daniel Lidawer

This bank is awful. They have the worst service I have ever seen. No ability to expediate items. Operators can't call back if you get disconnected. Supervisors are worthless. Stay away from this bank if possible.

2 years ago

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Linda Ventura Apopka, FL

When you pay off a vehicle They do not release The lean so you can get a title. I have been calling for over 3 months and still nothing. My suggestion avoid this company at all cost. I really wish that I could do 0 stars.

2 years ago

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Robert Feinstein North Bergen, NJ

terrible, stay away Pay for your sevices and dont get interest free. Bad Bank Reps are poorly trained I had to take a bath after speaking with them, used car salepeople Stay away

2 years ago

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Marsha McLean Midvale, UT

I’d like to put no stars! Fraudulent and totally inaccurate in their conversations and bookkeeping! I tried twice to put automatic deduction. They said I did not talk to anyone, BS!

2 years ago

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Nancy W Washington, DC

Don't get cards from this company, Had credit cards and due to the pandemic decided to lower my credit limit and also when it was paid off closed the accounts making my credit score do down. Not happy with this Company

2 years ago

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Joon Kim Las Vegas, NV

Absolutely a nighmare 1. their website does not work 2. they don't have lock feature 3. I was lured in by the 2% reward but everything is fishy at synchrony. Going back to Chase

3 years ago

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Margot Morshuis-Coleman Charlottesville, VA

They lower your credit limit without any reason. What that means is you suddenly have a 90% balance on your card? They suck. No, you’re not amazing at all.

3 years ago

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Charles Dickson Sweeny, TX

A very shady company, the change your account with no notice. I am closing all my accounts and will never use them again. I suggest anyone find other means, rather then use these people.

6 years ago

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Gary Coslow Venetia, PA

Don't know what they're doing received a letter canceling my loan after I'd already paid off the loan with zero interest

9 months ago

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Kami Augusta, GA

Don't use this company. If you pay your account off they hold the funds for up to 10days. They don't credit it back to your account after they take it out of your account.

1 year ago

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Alfonso Garcia Brandon, FL

It’s a scam bank stay away Not a real bank with zero costumer service They lower my line 👎👎👎👎👎 Happy to close my account with this jock bank

1 year ago

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David Mitchell Worcester, MA

I applied for credit with this company for a Sams club membership credit card. There were PAINfully slow and unprofessional. I would not recommend them to anyone.

1 year ago

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Dixie Doll Washington, DC

Do not recommend. I make my payments on time and still get late charges and they won't wave the late fee even though it's not my fault they took they money out late.

1 year ago

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Whitley Dean Whitney, TX

Terrible! Do not bank with them. They don’t tell you all the rules then the freeze your account for 90 days and you can’t do anything but wait for them to unfreeze it!

1 year ago