Name: Synchrony Bank
Rating: 1.1

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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

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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

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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

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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

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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

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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!

3 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.

3 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.

3 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

3 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.

3 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.

3 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.

3 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!

3 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.

3 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.

3 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.

3 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!!

4 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.

5 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.

8 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.

9 years ago

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Hazeleyes Green Grey

I paid my accounts on time every month and they cancelled all my cards for no reason All 10 never late. I been a great customer since I had my cards.

4 months ago

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Deddy Raksawardana

They keep reducing my credit limit just because I made one time late payment for 2 days. I immediately paid balance and close this ridiculous account.

7 months ago

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Sharaf C Hardin, IL

Paid off my card, $4,000. Was told there was now a hold on my account for a week due to the payment size. I asked for a review by a person, was told that's not possible. I will be canceling my card.

9 months ago

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Dolores Rodriguez Augusta, GA

You people are pissing me off with your stupidity. You want to give credit and when I utilize it you penalize me by lowering my credit. Once I pay off every card with you I will close all my accounts.

9 months ago

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Brea Tanae

The payment amount changes every month my payments was $67 a month but some how it’s $97 and no it’s not a late charge cause the late charge is $41 . On top of it all they don’t speak English well!

9 months ago

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Mark DeGrande Saint Charles, MO

God awful customer service. They claim if your credit card gets stolen , there is zero liability, that is a LIE, they made me pay the stolen transaction fees and put it against my credit report until I paid the bill

9 months ago

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Joe Bloseph

Paid an overcharge immediatly. Family Tragedy. These computer controlled puppets will not restore credit limit for 3 weeks. Your eBay "Mastercard" are done. Closing account, waiting for the snail trail website.

11 months ago Edited December 1, 2023

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Michael Smith Elizabethtown, PA

Synchronicity bank and finance made fraudulent transactions with little to no explanation for this. Synchronicity continued to take payments after account was closed. I will never use Synchronicity in the future and not recommend this company for anyone to use! Thanks for nothing

1 year ago

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Chris J Lake Ann, MI

I only borrowed 700 dollars for a vet bill. It's a hustle. Sent in small payments for 5 months with a 0 percent promo for the first year. They all went towards 45 late fees .. they charge from the day you use credit card. So I was always close to 15 days late. Closed my account and payed them off

1 year ago

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Anar Rzayev

Very poor customer service!!! The bank lowered my credit limit from $6000 to $250 after I paid off my balance with on-time payments. Customer service didn't have the intention to help me at all and was very disrespectful. Bad company, bad bank, bad service!!!

1 year ago

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Greg Blakey The Plains, VA

I could go into the whole story, but just beware as they are not reputable, even if you have it in writing. They will run you around and waste your time. Then you will still have the 29% interest rate after signing up for a promotional interest free time period.

1 year ago

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Joe Ann Miller Plattsburgh, NY

Horrible bank! They lowered my Lowe’s credit limit called for an explanation. They stated I had too many credit cards and no real estate. I have never been late and never over limit. Not sure what real estate has to do with a credit card. Closed all my accounts with them. Avoid them.

1 year ago

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Michael Jad Benton Harbor, MI

Customer service stinks. I actually have two cards with them, but would not do that ever again. All they want is money. I was supposed to get some rewards for a purchase but never received them and by time I called and asked they said it was past time to use them and there was nothing they could do. That was $160 out the window. Terrible.

1 year ago

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Deena Wilson Muskogee, OK

This company is absolutely horrible with communication. After the amount of money I have spent with this card, they cancelled my card for non use without notice, devastating my credit score. There are too many other options, advise you to get a different financing company

1 year ago

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Richard Roberts Jacksonville, FL

Not Happy with this bank, I got a Sam’s master card through synchrony about six months ago. Since I’ve noticed they take several days to post payments charging extra interest. Their customer service is horrible

1 year ago