Name: Synchrony Bank
Rating: 1.2

star star_border star_border star_border star_border

Nikki Brewer McDonough, GA

I had the Care Credit card. I had not used it and the balance was 0. Out of nowhere one day I received a significant drop in my credit score because Synchrony bank dropped my credit usage from about 1300 to around $500. I can't remember the exact about but it made my credit score go down 15 points. I didn't receive anything in the mail, and as I stated before my balance was 0 and I always paid them on time. Then about 4 months later I receive a letter saying they have closed my account with no notice, which again made my credit score drop. I will Never use them again.

3 years ago

star star_border star_border star_border star_border

DOYLE NICHOLS San Antonio, TX

This company and Amazon prime are worst customer service of anyone on this earth. When you call they put you off to another individual, maybe in India, Vietnam, some other 3rd world crap hole you can't understand thier jibberish. On the phone 1 hour 15 minutes, shifted to 5 different people, between Amazon, Chase, and Synchrony, over 14.06 bill I had cancelled in November. Just sorriest bunch in the world. Sorry, I do not want my information shared with the world, and if you can't give me US citizens to speak with, you go to hell...

3 years ago

star star_border star_border star_border star_border

Roy Endres Estero, FL

Was at Bonefish Grille with family(my family is large. Bill was $475. Waiter came back with announcement that transaction was denied. I then used my Citi card, no problem. When I got home I called them, to find out what happened???) The Customer Rep hung up on me! The end of the call survey got an earful. Sam’S Club needs to find another partner (; they are not doing there reputation any favors.

3 years ago

star star_border star_border star_border star_border

michelle collier Windermere, FL

We had a rooms to go credit card it had a $1000 limit , we bought furniture for $800. The very first month they dropped our limit to $800. I paid half the balance the next month , so should have roughly $400 debt and $400 credit , of course , minus interest etc . The next month I go to pay and the account is closed , no letter , no explanation , no answers. Nope never again, furniture fell apart within 6 months , no recourse and then this … I’ll not shop here again , even with cash , poor customer service , poor business practices…

3 years ago

star star_border star_border star_border star_border

Andy Murray New York, NY

Dishonest customer service. I asked if they hadn't any instrument with higher yield than the .25% on their 6 month CD. They said nothing higher for that period. I later discovered that their savings account offered doubled that rate with no penalty for withdrawal. When I inquired about this, they informed me that the customer has to do their own research. I was forced to take significant penalty when I cashed the CD.

3 years ago

star star_border star_border star_border star_border

Cezar Ayran Boynton Beach, FL

The worst bank. Statements are made to make you make a mistake and pay interest. They only include minimum, current balance and all your purchases with numbers that make no sense. I have to ask them every month how much I have to pay to avoid interest and I have to ask multiple times until I get an amount that more than one agent know because guess what? Not even they know how much and keep giving me different information. Hate this bank.

3 years ago

star star_border star_border star_border star_border

Gloria oppenheimer New York, NY

Horrible they close my account even though it was pay in full: without previous notice and refused to re-open though I have many other bank cards all in good standing: is a shame my favorite stores, Marshall’s, home goods and home sense, use this bank for their credit because I will not shop in any of their stores any longer: reason because I felt unfairly treated and they close my account right before the Christmas holidays when I always paid it in full..

3 years ago

star star_border star_border star_border star_border

Joseph Silvia Fall River, MA

This company has the most incompetent customer service staff I have ever experienced. They fat fingered my routing number which caused my auto payments to be rejected then tried to spin it on me and the bank I used to submit the payments. Amazon should partner with another bank that knows how to treat their customers. All that money and they are shortchanging their customers with poor customer service and incompetent staff.

3 years ago

star star_border star_border star_border star_border

Shawna Hall Grosse Pointe, MI

Synchrony Bank removed $4,500 from my account when the approved payment was for $150. When speaking with customer service, they were able to reverse the transaction, but the money they took without permission is going to take 3 weeks to return to me! Christmas is in two weeks, and the best they can do is give me back my money they stole from me in 3 weeks. Absolutely ridiculous!

3 years ago

star star_border star_border star_border star_border

Ash Clements

I have good credit 740-780 make over 200k a year. I had a 5k limit on the Amazon store card. Synchrony performed a random review of my credit and dropped my limit to $3830 without any notice and right before the holidays. Now my credit is going to take a hit because of this... Will never use this card and again and will close the account when I get another 5k card. Amazon this is the type of company you are partnered with. Shady AF!!!

3 years ago

star star_border star_border star_border star_border

Deborah Wynn Cleveland, OH

If there were a 0 star, I would choose it...you can NEVER do survey because the representative will not hang up until you hang up first. Never able to talk to a supervisor, representative will transfer you back to the beginning where you'll get another rep. Once your promotion is over the pay off balance is inaccurate...DO NOT USE THIS COMPANY...WORST EXPERIENCE EVER

3 years ago

star star_border star_border star_border star_border

Richard Bergman Southbridge, MA

Apparently a full scale panic with the economy has resumed as they seem to be eliminating credit lines and customers en masse The answer is the never let yourself be enslaved by these lowlifes Pay off all debts and go into a secure cash or credible credit company that will not without warning lower your limits or cut you off at will This is their problem and let them swing in the wind with it

3 years ago

star star star_border star_border star_border

Amanda Virmala Chesapeake, VA

They are recommended, but, when comes to billing it's not great all because don't give u Other options when login into Sam's club credit Should be options like: Banking information/or credit card information Cash advances Cash rewards Cash advances and rewards are different Like the fact does auto pay

3 years ago

star star_border star_border star_border star_border

Christina Lorain, OH

Synchrony bank cards made me have to consolidate and take a massive hit on my credit score. Great in a pinch but if you pay monthly payment online and get an email confirmation about your payment they do not draft it..... Charge you double payment and late fees the next month. Synchrony total screwed me!!! They need to be charged legally for their scams!!!!

3 years ago

star star_border star_border star_border star_border

Brad Bedsaul Baltimore, MD

Wish I could give zero stars. Opened several accounts with them kept my utilization under 30 % some 10% to 0 % . My payment history is 100% with synchrony and all cards they cut my limits to balances making all 100% taking over 200 points off my score. They said it was due to my credit report which nothing had changed since opened! Meanwhile I make payments each payment is followed by more available credit lines reduced? Pay card off=close account. Meanwhile other cards increase my limits. Only owe 2 cards with them never again worst bank ever!

3 years ago

star star_border star_border star_border star_border

Tina Palmer Lancaster, OH

Synchrony closed my JTV account because they said I had too many revolving accounts. I had the account for a year and had never missed a payment and never was late with my payment to them. They did not send me a letter or inform me in any kind of way that my account was closed. When I got online to make a payment is when I found out and the customer service was rude. I would not ever recommend them to anyone.

3 years ago

star star_border star_border star_border star_border

Bob Reed Greenville, SC

They are doing a bad job of managing their clients receivables. This bank has been the collector of three companies I have done business with. I'm now cancelling the use of these three companies for erroneous billing and collection practices. I have been a longtime customer paying mostly my accounts in full upon billing. If I use these companies again, I will pay cash at time of purchase. I can't imagine anyone paying their 24.7% interest charges.

3 years ago

star star_border star_border star_border star_border

Monica A Arlington, TX

Got this card with Sams Club with an approved amount then 7 months later they re ran my credit again why ??? I was after affected by covid from my job so the decided to reduce my credit limit by $500 . Without my permission to re run my credit and no notice in the mail After I pay them off I want ever get another card again from them. No late payments and I paid them on time so because I fell on hard times with my credit but made sure I paid you guys on time you take my credit away? That’s b/s

3 years ago

star star_border star_border star_border star_border

Hugh Kelleghan Geneva, IL

Customer service is horrible. The problem: Synchrony was showing the wrong phone number on my account. I placed 2 calls, both started with incredibly long wait times to talk to a rep. The first rep gave me wrong info, and failed to help. The second rep was a bit better, but also gave me wrong info (blamed it on TransUnion). I had to argue to talk to a manager. That finally happened after being put on hold multiple times. The manager finally fixed it: so it was lack of training at Synchrony that was the root cause. RUN from this organization, it's HORRIBLE.

3 years ago

star star_border star_border star_border star_border

Pat G Bossier City, LA

I have had several cards with Synchrony and always paid on time every time. Every time you buy something with a high cost and they issue you a card to cover that amount and you start paying it down they cut the limit voiding your open to buy numbers on your credit reports. It is a shame that any business does business with this third quality bank. Every time this has happened my credit score was the same or better than when the card was issued but by dropping the limits it damages your overall score. The score I would give Synchrony Bank on a scale of 100-700 is no better than 125!

3 years ago

star star_border star_border star_border star_border

Pamela Eilrich Port Clinton, OH

My complaint is their restricting my account for months and not telling me why!!! I have $377 in my checking account which I need for medical purchases and they refuse to lift it! Their back room people (who we are not allowed to talk to) have been reviewing it for months! If they need help I am fast and thorough! What happened to good customer service? I would like to give them zero stars!

3 years ago

star star_border star_border star_border star_border

Latiolais Houston, TX

Do Not open any accounts that use this bank !! They will screw you knowing we are all suffering thru this Pandemic!!! Hell American Express, Capital One have been great but this company closed accounts of mine I didnt even have a balance on that I have had for over 15 years and wasn't using because I have been frugal thru COVID!! SCREW YOU SYNCHRONY!!! I will destroy you the way you have destroyed me!!!

3 years ago

star star_border star_border star_border star_border

Maya Orlando, FL

When I called last month to close my account I was told to pay the balance due to close my account and the rep stated the account was now closed. When I looked online the account was still active. I proceeded to close it and the following month I came across the surprised that there was a fee added and a second fee applied to the late fee. This was after the consumed account and original interest was paid. Original amount consumed was about $56, last payment was $85, and the fees after account was closed are about $70. More than the original amount.

3 years ago

star star_border star_border star_border star_border

Bren Zen

This is the worst bank EVER! Do not use it! You get penalized for paying off your credit card with them. Even tho you payment is processed Synchrony holds your money for over a week and you can’t use your credit card! I’ve never heard of a bank holding your money and at your card is paid off but you are not allowed too use it up too 21 days! This is usery and they are a fraudulent institition! BEWARE! Also the supervisors are rude and uncooperative! Ama on you need too get rid of them and use a real bank!

3 years ago

star star_border star_border star_border star_border

Richard Cranium

0 Stars for this bank. I couldn't make an online payment, I couldn't make a payment over the phone. When I sent a check for the loan payment it took them almost a month to post it. Almost impossible to contact customer service, and when I did, they were clueless and incompetent. I finally gave up, defaulted on the loan, and settled the loan in FULL for LESS than the amount owed.

3 years ago

star star_border star_border star_border star_border

Valerie Johnson Raleigh, NC

Worse customer service and bank ever!! Have 4 credit cards with them. 2 of my credit card accounts, after making the minimum payments were switched to pay off the balance that I did not authorize. I called csmr service to explain what happened they ended up canceling my account. Because I stopped the payment due to their error. I no longer trust this bank.

3 years ago

star star_border star_border star_border star_border

FedUpWithThisCrap Johnson City, TN

Would rate zero stars if possible. They will reduce your credit line after a large payment in retaliation of your dissatisfaction over their lack of communication, argumentative customer care agents and incompetence of getting you a replacement card for a expiring card. Oh, and the reduction is made without any prior communication through old fashioned snail mail or email for that matter. They’ll just graciously take your large lump sum payment and lower your credit line and leave you with a few bucks afterwards.

3 years ago

star star_border star_border star_border star_border

Tina Brandon Norman Park, GA

Synchrony Bank is the worst company that I have ever done business with. I was wondering why my balance wasn’t going down. I called them and went up three chains of command disputing the fact that they told me any extra money paid above minimum should be going towards principle. Management told me multiple times they have always placed a percentage of minimum payment towards interest & remaining towards balance, but when you pay extra they have never put extra paid towards balance. Beware of getting screwed like I have been getting.

3 years ago

star star_border star_border star_border star_border

Ben 3DM Huntsville, AL

When I set up auto payment with Synchrony, my next payment was late. Instead of billing me any amount I might have been short or simply charging me a single late fee, they added a $2 fee to my payment every month so I didn't even know I was being charged a fee. Also, I didn't receive any notification that I'm aware of that I was being charged this fee. I only found it when I logged into my account and viewed my activity, but by then they had already charged me a total of $44 in fees. In response to this, I paid off my card and closed my account.

3 years ago

star star_border star_border star_border star_border

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!

3 years ago

star star star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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

3 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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!

3 years ago

star star_border star_border star_border star_border

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.

3 years ago

star star_border star_border star_border star_border

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.

3 years ago Edited September 14, 2021

star star_border star_border star_border star_border

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.

3 years ago Edited September 14, 2021

star star_border star_border star_border star_border

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

star star_border star_border star_border star_border

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

star star_border star_border star_border star_border

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

star star_border star_border star_border star_border

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

star star_border star_border star_border star_border

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

star star_border star_border star_border star_border

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.

4 years ago

star star_border star_border star_border star_border

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.

4 years ago

star star_border star_border star_border star_border

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.

4 years ago

star star_border star_border star_border star_border

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!!

4 years ago

star star_border star_border star_border star_border

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.

5 years ago