Name: Synchrony Bank
Rating: 1.2

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Keisha Mccall Rosenberg, TX

Fraud! Do not do any financing through MySynchrony. Paying on a card for years, more than the minimum balance monthly, yet my current balance is still higher than my initial purchase 3 years ago and they are charging interest on top of interest.

3 years ago

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Jeff Woo Rancho Santa Margarita, CA

Worst customer service ever. Never received an item and opened a dispute. It took them a year to figure things out and by then they said it has been over 120 days and they cannot issue refund, even though I initiated the dispute within 14 days of initial purchase.

3 years ago

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dwerth1 Renton, WA

Tryed to open a savings account only to be told that we had to wait 60 days for online access.After numerous long wait times and no help whatsoever we were told that 60 days is the normal wait time to open an online account.BEWARE

3 years ago

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April Brown Brandon, FL

Lowered my credit limit drastically after I paid off the balance from $1000 to 250. Of course the didn't offer to put it back. I closed the account. Now you lost a customer. Just make sure that 0 bal shows up on my credit report first.

3 years ago

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Dannett Miller Ringgold, GA

1 star is too many for this company!! Synchrony bank is terrible!! They are doing nothing but hurting credit scores by lowering limits and closing paid off accounts!! I have never been treated this way at all!! They have now closed 2 accounts and lowered 2 of my cards limits. Just awful!! I have always paid on time!!

3 years ago

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edwina dahl Anaheim, CA

They want your money ....but you can't talk to anybody.....you are sent to them to make pmts for other companies but there is no one to talk to about the total ant owed t synchrony bank you don't sign up for synchrony bank you are sent there and there is no one to help you

3 years ago

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Smiley Lexington, NC

Hello.I told them I was a victim of a scam I used my synchrony bank master card they said they were going to investigate the claim, all my accounts are paid on time next thing I know they checking my credit lowering my accounts to know fault of mine I will not do no more business with synchrony bank I will start looking into comenity bank

3 years ago

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S Brandt Bath, PA

If I could give them -10 stars I would. I don’t know why it takes ten days to post a payment. I think they want it to bounce back so they charge you more. It’s a shame that some really good stores choose to deal with them.

3 years ago

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Dennis Charles West Palm Beach, FL

Takes 4-7 days to get your money transferred to your external accounts, other online banks do it in 1-2 days. Customer service personnel on the phone are okay, I'm pretty sure they are in a different county though.

3 years ago

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Kevin Arnett Minneapolis, MN

They don't care about their customers I use my lowes card in my business I added 7k to do a job for 20k so they seize th we funds and hold them for 30 days even though it cleared my bank.....thieves is what it is take money give nothing

3 years ago

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James Wright Dundalk, MD

I brought a trailer lock from Amazon. I turned it Amazon refunded my money synchrony bank still claiming I never returned it! The gift card money was refunded to Amazon. My credit card balance still holds the charges! It’s been months. I’m thinking of not paying nothing!

3 years ago

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michael howard Snohomish, WA

After canceling a couple of extra payments, I still paid off most of my Pay Pal Credit account with Synchrony Bank. However, the bank some weeks later has suddenly increased my credit limit and closed my account IN THE SAME DAY, without notifying me.

3 years ago

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FBM Orlando, FL

I have 3 accounts never late, always OVER pay on the ONE that have a balance and suddenly when I have to provide photo ID and video of myself I can in NO way get credit for furniture with a high 700 credit score and good standing with other accounts thru this company.

3 years ago Edited April 1, 2022

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Sheila Campbell Longmont, CO

Do not use this banks credit card . I paid my credit card payment online and somehow they took my payment out twice. It was a pretty large amount and now they are giving me a run around to get my second payment back . They clearly took it out twice and now they want a bank statement to show what I paid it twice even though they got paid twice.

3 years ago

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Elizabeth Wilson Dickinson, TX

This is by far the worst bank to deal with. Lowered my limit by 75% stating I do not use thier services enough. So now my debt to income ratio is out of wack. They also stated I am no longer a good risk because I no longer have an active mortgage. Shame on all of us who pay bills on time, do not abuse credit cards, and respect credit period.

3 years ago

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Tom Williams Vancouver, WA

They took a large payment from me, then told me it would not reflect in my available credit for nearly 2 weeks. Talked to customer service but they couldn't do anything to rectify this. Completely useless, and ended up ending our chat session abruptly after I told them I'd be closing my account. Awful.

3 years ago

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Swtclggr1

Could not log into my account because they wanted to either call or sent text message to a phone number I no longer have. There website is a loop at best. When I called was ask to stay on the line for evaluation; I stayed on the line but they hung up on me.

3 years ago

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bret weston Anderson, IN

wouldn't even give them 1 star worst bank ever had issues with this bank years ago paid off account and closed it asap. I just opened a harbor freight credit card threw this idiots had it for 8 months a $0 balance havent used it and got an email saying they were closing it for what reason they didn't have one. worst bank ever don't use them

3 years ago

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RLuff Tucson, AZ

Credit line started at $800. Made all payments on time to them and all creditors. Made a payment for $200 and then they reduce the credit line to $510. Balance is now $226. Made a payment for $70. They reduced credit line to $250. Customer service is useless. The card is not worth the space in my wallet.

3 years ago

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Dave Mamola Fort Worth, TX

They closed my account after paying it off. Got behind on a pament,payment, told my account would stay open after large payment,then it was closed 4 days later. Will not use "Discount Tire",nor Synchrony Bank because of this.

3 years ago

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Yvette 1 Arlington, TX

They report to your bureaus before the statement comes out. So, if you plan on paying the full balance before the statement, whatever you charged will still be reported to the bureaus. I don't like that and will not use thieir credit card unless it's an emergency.

3 years ago

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David Seger Queens, NY

Wouldn’t give them a 1 stair. Don’t ever use them. Twice now unfortunately I got financed through them. Both times half way through the loan they lower your credit limit under what you still owe and put you over limit and it hurts your credit score. Avoid at all costs. I will be calling the better business bureau.

3 years ago

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Donald Graff Dundalk, MD

I pay my bill every month on time. But for the last four months. I pay and two days later I get a message the bill is past due. I call the bank they say the bill was not paid. You give them the ref number the app gives. They say that the ref number does not match record. Which is b.s. synchrony bank is another B.s. bank do illegal crap. Stay away.

3 years ago

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Denys finch-hatton Los Angeles, CA

The first time I spoke with a person within the United State was today. They are the most horrible credit card company that I have ever had a card with. I am trying to drop a dispute on a charge that amazon p[laced illegally on this card. STAY AWAY FROM THEM! THEY ARE PREDATORS AND HAVE NEOPHYTES AND RUDE UNEDUCATED REPRESENTATIVES.

3 years ago

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Courtney Burton Columbus, IN

I have NEVER missed a credit card payment, and they lowered the limit on three of my credit cards. Therefore affecting my credit score with lower spending limits. They claimed it was due to higher balances on my cards. Excuse the us all for Covid messing with our financial situations. Would never recommend them to anyone.

3 years ago

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Brandye Rhoades Amarillo, TX

The worst company if you mail a money order to pay your payments they will hold it for 7 to 10 days before processing and you will receive a $39.99 late fee the worst Financing I will always be checking to see if any future financing will be done through them so I know not to do it

3 years ago

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Austin Gust West Valley City, UT

Worst experience I have ever dealt with. They don't honor payment arrangements. They don't alert you when a dispute is up and your payments resume. They don't take notes of your calls and can't warm transfer so you get ping ponged around with zero help.

3 years ago

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Wendy Eardley Merrimack, NH

This is the worst bank ever to use I paid off my balance paid in full and they did not give me credit for it who would think a bank could do that. Paid in full with a check and they seem to say I owe 1 months robbery dishonest Hustler's do not use this bank

3 years ago

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Camellia Cox Henrico, VA

Synchrony closed my acct while I'm still paying for my merchandise and in good standing. Closing my acct lowers my credit score. Stay away from them, then will hurt your credit score even when your paying your payments on time

3 years ago

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Matt Owens West Jordan, UT

Lowered credit line for no apparent reason. This was done less than two months after opening the account and for no justifiable reason. My credit is great, all accounts are current and no late payments ever... This is a very horrible and shady company that no one with options should ever do business with

3 years ago

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Go Virtual Pro Cypress, TX

Tried to remove a hard inquiry from my credit and the worse automated phone system. Then I connect with the first individual, she "accidentally hangs up" the second one listens but brushes me off. Then when she says she will forward it up to her supervisor just continues on without listening to me and hangs up again! what gives?!?!

3 years ago

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Raymond Anselmo Wake Forest, NC

Their credit card account stinks. Had 4 different cards with different companies with synchrony bank and always paid on time or ahead of time and not once late. They cancels 2 cards and reduced a third card to 250.00 credit. This company is the pits! Don't bother with them as they will make your credit score drop when they cancel their cards.

3 years ago

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Brandon Masters Lincoln, CA

Beware! They will gradually decrease credit limits and then out of nowhere close accounts. My score suffered over 100 point ding. I’ve NEVER made a late payment. I’ve always doubled up on payments and out of nowhere, 3/4 lines were decreased and 1 closed.

3 years ago Edited October 26, 2021

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Zoya Conover Atlanta, GA

I had a dispute about incorrect crediting of money to my account. After two months of endless phone calls, messages, faxes, I still cannot get an answer from the person in charge. Absolutely unprofessional people work in this bank.It is a mess!I will not wish anyone deal with the bank!

3 years ago

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Matt Cline Miamisburg, OH

closed all my credit card accounts 783 credit score, never missed a payment and had $ 1755 in rewards that I have been saving for a while. oldest card was since 2013. After closing my accounts the rewards are no longer there. buyer beware.

3 years ago

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John Smith Big Rapids, MI

I signed up for paperless statements and have excellent credit and was never notified by email of payment that was due after signing up for paperless statements. The balance due was $21 and they billed me for a $24 late fee. I cancelled my account. Very sleazy company. Do not recommend them.

3 years ago

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Tyler Pew

Wow! Bad customer service, worse online experience. I got dinged on my credit because I could not get the account set up and the payment was late. Then the customer service told be to call a different number which was disconnected after 1.5 hrs on the phone. Do not use this bank and or Care Credit!

3 years ago

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John Roberts Charleston, WV

i had them thru amazon i closed my account which is paid in full. they still took 44 dollars out of my debit card and i may not pay my phone bill now. if not im hoping to go thru small claims court to make syn pay my phone bill and get it back in good standings. im on disability so every dollar counts.

3 years ago

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NReneeW Woodbridge, VA

Call center reps only line of communication and no way to communicate with “corporate.” Tried for months to resolve issues with a refund owed to me for an account that was paid in full through all modes (phone, fax and email). Would not recommend this bank for any sort of financing.

3 years ago

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James King Garden City, MI

A very very very bad company I don't recommend anyone deal with these gangsters, crooks how they do people how is you pay your 💳 on time pay it completely off then get lowered what's the point in having the card if you can barely use it makes no sense at all.

3 years ago

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Eric shane Panama City, FL

They will give it to anyone but then as soon as you have an emergency and get uoto 80 percent, like I did. they cut my limit down so my balance was over my max, killed my 700 scores. Never do business with them. Now, even after I have a zero balance they wont raise my limit. No problem, you get my business. Jacks.

4 years ago

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Katrina Cook Springfield, MO

Absolutely horrid website. It's practically impossible to make a payment online. My passwords never work even though I save them in my notes EVERY SINGLE TIME I have ever had to change them... which is everytime... because the site will never recognize them. Thanks for wasting gobs of my time Synchrony!!!!!!!!!!

4 years ago

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Katherine Malone Cincinnati, OH

The customer service at synchrony bank through Sam's Club is awful and there's no excuse for this. I've worked in customer service in companies before and would've never done a customer this way . Putting me on hold and transferring me. I went on for 55 fifty five minutes and problem not resolved.

4 years ago

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AngryApplicant Gulfport, MS

Bank ran credit when they were unable to verify identification. Credit took a hit AND they rejected the application because they were unable to verify identity. I am currently discussing the situation with them and looking for others that have had this happen. I am looking to possibly file a class action lawsuit.

4 years ago

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Robert M. Knight Cleveland, TN

Horrible Customer service , Denied prepaid card agreed to for getting card , through DISCOUNT TIRE False late fees.. Statements mailed late to cause late fees.. I had to close the account to avoid more late fees. I will join anyone who wants to file a class action suit against these THIEVES

5 years ago

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Rohinton Bhandari Sunnyvale, CA

Even though I paid a huge chunk over and above the monthly payment (say for the next 12 months) they still charge me a late fee claiming that I need to pay them every month and that my lump sum payments only amounted to reduction of principal.

5 years ago

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Unhappy Cardholder New Braunfels, TX

After making a payment, my account was placed on hold for 12 days. The reason? Because I paid before my due date!!! Really!!! My payment is due on the 7th of each month and I paid on the 23rd and for that I’m penalized. This bank has some crazy rules. They get mad because you pay early. What a JOKE!!!

5 years ago

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JP Cypress, CA

I applied for a credit card to buy roof materials from Lowes. They gave me $4000 without any verification but refused to increase to $8000. Chase gave me $20K and 65000 miles that is free 5 one way tickets on United. Synchrony may reconsider the efficiency of their credit verification division. It is poor.

6 years ago

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Fred Johnson Port Royal, SC

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

6 years ago

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Natasha Salt Lake City, UT

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

7 years ago