Name: Synchrony Bank
Rating: 1.0

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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.

4 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.

4 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.

4 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.

5 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.

5 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!!

5 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.

5 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

5 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.

6 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.

6 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.

6 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.

8 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.

9 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.

9 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!

9 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.

10 years ago

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Jimmy Barringer

Paid all payments on time ,lower my credit limit with out any kind of notice,went to Sam's tried to use card and declined,I closed one account with these cocksuckers,looks like I'm gonna close my Sam's account, Sam's should really consider another bank ,I'm done with both!!!Stay away from these people

1 year ago

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Robie

Opened credit accounts with Synchrony to help my credit score get better, after a year of being in good standing with them they close my accounts, as my score doesn’t meet their criteria , well thank you very much, thanks to you you have lowered my score.

1 year ago

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Jennifer Butcher

Synchrony bank reduces your credit limits when you make regular, on time payments and then pay off the full balance. They then ensure to reduce your credit for no reason. They’re crap. They did this for two separate accounts. Highly don’t recommend them and wouldn’t use them again for anything.

1 year ago

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Ronald Robichaud

I would not use this bank again. They said they had interest free for 24 months. They charged me $150 promotional fee it's called. Where is the interest free I paid it up front. And this is the second time this has happened to me with this Bank. Lowe's uses them too and their interest rate is 31% plus there is a $2 fee for processing.

1 year ago

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Scott Pratt

Charged me a late charge for. Statement that was never sent, I have proof of all my scanned mail from the post office. Would not take it off. I closed the account . Lady even asked if I had a hard time paying bills. Wtf Lowe’s is losing a customer too Anyone else have this maybe class action law suit. I’d be interested

1 year ago

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Thomas Broadstock

They didn’t offer no stars nothing but a huge scam I paid it in full cut up my card before they said my account was canceled I wouldn’t advise my worse enemy to do business with this complete Sam period ……… A COMPLETE SCAM ! Don’t be fooled

1 year ago

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Jodie Marcusi

This has to be the worst bank! My accounts were closed because of an error on their part. I was advised by an agent that my account would be ok as the error was on their part. One week later all 12 of my accounts are closed with not one payment ever being late!! They don’t even deserve one star. Beware!!,,,

1 year ago

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Jaz

This bank has done nothing but be a pain. It constantly makes random charges and doesn't follow the agreed-upon charge dates it's as if this bank is begging me to late fees because they never charge when they are supposed to. And to put the cherry on top they have such horrid customer service.

1 year ago

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Grant E Frazer

Bottom feeder Bank. I've had the same experience as others on here. They reel you in, then for no reason, they cut you off. FU, I closed all of my accounts with them and would never do business again with this predatory lender

1 year ago

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JOLLY RANCHER

I started an account with synchrony through Amazon. Without my permission , they made the synchrony account the primary payment through Amazon. The interest tatexx CD was incredible and customer service was horrible. The worst banking experience I’ve ever had..

1 year ago

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Dav

This bank is terrible; they closed accounts or reduced the credit limit for many customers, ruining their credit records for no reason. I read numerous reviews here and on other websites, and the customers are complaining about the same issue. That bank is not good at all.

1 year ago Edited April 1, 2024

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Rene Alvarez

This Bank Closed my credit card account without notice and without missing a payment. The reason why: I had a payment set to be withdrawn from a checking account that I stop used, but I still was paying my entire monthly expended money. They do not appreciate customers business.

1 year ago

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a p

Customer service people are rude and unhelpful. Management does not care. I filed a complaint via the BBB and they haven't even bothered to respond. Clearly the customer service people know there is no accountability and act like it.

2 years ago

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Keeley Jennings Odenton, MD

I suggest using a more reliable creditor. They will cancel your card abruptly and tank your credit with no remorse because you were behind on payments twice. Also don't get a sams club credit card just go though someone else.

2 years ago

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Gabriela CHULFAIAN Wilmington, DE

Their on line CDs offer good rate but then dont give fair warning of renewal and the website overly complicated and customer service from foreign call center nonexistant then . When you ask for manager they put you on hold unitil you eventually hang up. Their game is to force you to pay withdrawal penalty to get your money out. Beyyer BEWARE

2 years ago

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Jennifer H. Houston, TX

I have a big complaint with Synchrony. After paying off a Crate & Barrel bill I got another charge for $1399 and NO ONE at the bank can tell me what it is for. So the inaccurate billing is one issue and the HORRIBLE customer service is another.

2 years ago

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Terry Harden Costa Mesa, CA

I would leave Zero. I agreed to sign up for a trade credit card with Crate and Barrel. Was the wrong thing to do. Incorrect statements and when I made Schedule Payments they didn't work on the date schedule! (Too Many Times!). Stay away....Far Away unless you want a head ache.

2 years ago

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SarxBot Ontario, NY

ZERO stars. This place has worked me over too many times and they don't care. They allowed a business to charge me 3x over and made my life a living hell. Not to mention the fact they are pushing for APR over 40%! Stay away from Synchrony and the creeps making money scamming the people.

2 years ago

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DiamondParkCBLEE Lawrenceville, GA

The worse creditor ever!!! Do not obtain any type of credit card from this company. They will screw your credit up by lowering your limit to your utilization and have you maxed out for no reason at all. Closing my account with them and will NEVER EVER use them again! Deuces

2 years ago

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Helena Mire Dallas, GA

I made a mistake by opening an account with this bank since they do not have any physical locations; I am obliged to talk to their customer service supervisor. Instead of listening to the concerns I called about, she seemed more interested in listening to herself talk, as if she had more issues to resolve than I did.

2 years ago

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carla North Brunswick, NJ

Horrible experience with this banks credit card. 2 hours to apply their app stinks customer service is not good I called and got hung up on. Seriously 15 years ago we used them no issues this time asking for photos and videos then taking you back to start due to their systems doesn't work well!!!!!!!!!!!!!!!!!!!!!!!!!!! HORRIBLE.

2 years ago

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Becky Morris Perrysburg, OH

They lower my credit limit constantly! I make payments so then they lower it to my utilization. Amazon Synchrony has done this once and Synchrony Mastercard has done this twice! So it drastically increases my debt to income which makes my credit look worse!

2 years ago

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Lillian Pardo FL

I was sued by GE money for a account that was over 12 years old The attorney that sued me never provided proof that I owed the money I will not do any business with your company again This company will not make another dime from me

2 years ago

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Morgan DeKnight

I was forced to over pay by nearly $1,000 and after several weeks on the phone and many promises that a refund check was on the way, they never sent it. Worst banking institution on the planet. Owner is a thief and should be shot. Terrible company

2 years ago

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Julia San Antonio, TX

Terrible bank, do not apply for any anything related to this company! Terrible customer service, I applied to finance some furniture at R2G through this bank, I have great credit score, high income, was still rejected with no reason why. Save your time with this company it’s terrible!

2 years ago

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Bryan Blanks Atlanta, GA

I had a King Size account for years! I forgot my December 2023 payment they lowered my credit and reported this to all three credit which killed my credit. I am having to resort to 609 credit letters to remove these fools permanently from my credit report!! I hate king size and synchrony!! BYE! BYE!

2 years ago

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Vanessa Healey Denver, CO

Do not go through them for care credit. This is worst service to go through. I have a care credit card through this bank. They did not send notice that my credit limit was going to be less, however then the charged me a higher monthly payment. I never ever will bank or get something through them again.

2 years ago

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Precious Flores CA

If 0 stars were an option I would have picked it, This Card is from Amazon, Their customer service people are rude, insulting, disrespectful, unhelpful, uneducated, will hang up on you when asking for clarity, JUST RUN, RUN IF YOU ARE EVER OFFERED CREDIT FROM SYNCHRONY BANK, ITS SMALL CREDIT AND THEIR GOAL IS TO TRULY SCREW YOU

2 years ago

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brett clarkson Stuarts Draft, VA

LeAnn was very rude made the experience of my mom's passing a terrible experience .I spent 5 hours jumping through hoops .then LeAnn said they were wrong the check was being sent . Then she called from a private Kansas number late in the evening asking me to verify me .bottom line the bank is keeping my mom's money beware

2 years ago Edited December 13, 2023

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Paulina Rueda Watertown, MA

They are the kings of being sketchy and fraudulent practices to charge as many "late fees", "fee/fa feees", "just cause we want to fees".. EVERY time Ive purchased something that requires synchrony bank I have issues w them... AVOID THEM AT ALL COSTS!

2 years ago

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Danisha Lee Atlanta, GA

I started with a $650 limit. The account has been paid on time since having it. Later I recieved a letter saying that the account limit was dropped to $240. I've decided that this is not a card worth having. I'm paying out ASAP and closing it out.

2 years ago

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Pam Hawthorne, CA

Synchrony bank lowered my credit on my cards because I had one late payment on one acct. the other accounts were in good standings causing my credit score to drop. They also closed an acct without my knowledge. DO NOT USE THEM.

2 years ago

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Karla Avila Chicago, IL

I have four credit cards with synchrony bank zero balance on three of them. Despite that and having a good credit score. They have decreased my credit limit on all 3 cards without notice. Of course this brought down my credit score some. Thankfully, I don’t have a large balance with them . They are notoriously awful.

2 years ago

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chris Tedder Wilson, NC

If I could go lower than one star I would, beware they will lower credit limits and cancel cards for no reason, therefore while maintaining a excellent payment history, it’s bumps ones credit score to hell. NOT RECOMMENDED AT ALL ! GET A REAL CREDIT CARD IF POSSIBLE, WITH A REPUTABLE BANK.

2 years ago