Name: Synchrony Bank
Rating: 1.3

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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

2 years ago

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Richard Head Newton, NC

If I could give half a star I would. After having to deal with their automated system because they had ALL of my information incorrect so I couldn't access my account... I vow to NEVER use this bank or its services again. Never have I had such an issue or the amount of frustration this has caused. One word: TERRIBLE.

2 years ago

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Kelsey Woodard

Terrible in this day and age what lender doesn’t have a grace period! But you set the payment dates for your customers! They are aweful and not considerate at all. I am currently trying my best to close my account and never look back.

2 years ago

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Wanda Middletown, DE

Synchrony bank credit cards routinely cancel credit cards and lower credit limits even if you pay you bills and are never late or over your credit limit. By doing this it lowers your credit score which allows them to charge you higher interest if you want to get your limit raised again. Crooked business practice.

2 years ago

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Ruth Grindeland Denver, CO

SUCH A JOKE Synchrony bank has a relationship with Crate and Barell. I was excited to use them. However, they only approved me for 2% of my net income. 2%, and I have sold credit (800) and zero debt. Don't even waste your time getting their credit.

2 years ago

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Heave Hoe Norman Park, GA

Avoid this company at all costs they take to long to process payments which can cause issues and they will close your account without notice as well as their customer service is absolutely terrible they out right refuse to work with you.

2 years ago

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Kim Verstraete Waterbury, CT

I registered for online banking today. I needed to call customer service because after downloading the app it was telling me that it didn't recognize my account information. The agent was extremely rude and spoke to me like I was stupid. I didn't realize that I couldn't use the online app because that was for credit card, not bank accounts.

2 years ago

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Sharlene Clayton Statesboro, GA

Can you post negative numbers?! Worst bank EVER!! Have never seen such pathetic service, customer concern, willing to work with customer to resolve issues. When I can get these accounts taken care of, I will NEVER use this company again!! Rude, don’t care about your business at all. Rn as hard as you can!!

2 years ago

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Nelly Nel Ocoee, FL

I have multiple accounts with synchrony bank. Recently they reduced one of my available cards down by $3000 to the amount that I owe. This puts a hard hit on my credit. I’ve paid on time and haven’t had any issues until now. They didn’t even call me or write a letter in regards to this. Just horrible customer service.

2 years ago

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Gene bovinett Sevierville, TN

5 wks to get a title delivered after a payoff is ridiculous. Now I can't even list it for sale for 5wks Very poor business Should be much faster The last one I paid off they lost the title. Will avoid this company as service is pathetic.

2 years ago

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Justin Gilbert West Valley City, UT

Aprilmiracle.com stole $59.97 from me after Synchrony Bank decided in favor of this merchant twice! I had clear evidence that I never got the item or my money back and they still thought Aprilmiracle.com was in the right! Avoid Synchrony unless you want to approach them with a problem and never see your hard earned money handled fairly!

2 years ago

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Jacquelynn Thompson Ashburn, VA

Why is it SO difficult to find and verify a mailing address for overnight payment for a check that was either lost in the mail or Synchrony mishandled - with these two it's a 50-50 on whose fault it is. TERRIBLE CUSTOMER SERVICE!! Can't speak to anyone live and the address given on the 800 # you can't verify via Google.

2 years ago

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Jill Binette Martinsville, IN

AWFUL. Endless loops to get to your accounts to manage them. Their website stalls and is frequently off-line. I hate having to use them. Mega corps like Sams and Amazon can afford to have a credit department. Using this third party just SUCKS. I really,, really dislike this.

2 years ago

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Chloe Wang Oakland, CA

This bank make so much mistakes on my accounts including charges me with unauthorized transactions! And affected my credit score just because of their actions. The representative/customer service needs to be trained properly than this.

2 years ago

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Eddie Hir Bel Air, MD

Worst Bank. NO way to get a hold of a customer service rep. The cycle on the phone is a vicious cycle that goes on where. You can't close an account on line, you need to call into this vicious cycle that does not produce a human person. You will end up tearing your hair out and screaming into your phone in total frustration. Stay away.

2 years ago

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Terri Shaw-Brittan San Lorenzo, CA

Awful customer service. Ridiculous charges/fees. Minimum payment changed without notice. Late payment notice 2 days before the very first bill was received - and billing is all digital! Once I pay the final bill I am done with Synchrony forever.

2 years ago

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raywood San Antonio, TX

I use Synchrony for their Amazon shopping card. In my experience, their customer service is largely unhelpful. I don't need customer service often enough to cancel the account. But when I do, they tend to be a waste of time.

2 years ago

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Jachin Baltimore, MD

Let’s start a class action lawsuit because they close my account for no reasons, I paid my account off never was late. I call try to get understanding why would they close an outstanding account and that lady couldn’t explain to me why. Poor customers service, no communication with customers before any actions is taken.

2 years ago

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Zac Lott Decatur, AL

Synchrony Bank Closed my accounts after years of a great relationship. I had a small glitch in my credit due to a fraudulent charge on one of my accounts ( Not Synchrony ) that drop my credit score. I consider this a low blow. My credit score is now on the upswing because the fraud issue was resolved. Do not Synchrony Bank.

2 years ago

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Ann Petty Virginia Beach, VA

I'm glad others are speaking about this shady company! T hey reduce credit for no reason- woke up today with a notice that they reduced my credit limit. I have good credit and have never missed a payment with them and pay over the minimum amount. It's a slap in the face

2 years ago

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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

2 years 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.

2 years 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.

2 years 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!!!!!

2 years 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.

2 years 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

2 years 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.

2 years 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

2 years 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.

3 years 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.

3 years 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

3 years 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!

3 years 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.

3 years 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.

3 years 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.

3 years 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..

3 years 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.

3 years 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.

3 years 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.

3 years 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

3 years 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.

3 years 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.

3 years 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.

3 years 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!

3 years 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.

3 years 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.

3 years 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.

3 years 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.

3 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

3 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!

3 years ago