Name: Synchrony Bank
Rating: 1.3

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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.

6 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!!!

6 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.

7 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

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frank lynch

I closed my account today after a .10 cent error and they billed me $74.25 interest on the error. I was a customer for over 12 years and charged about 4 to 6 thousand per month and paid on time.

1 year ago

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Jin Jenny

the customer service Supper unhelpful and time consuming, the strategies is weak, the robot doesn't take note when called out account number. Overall the company is not living up to standard of their own advertisement .

1 year ago

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Cassie

Synchrony Bank sucks as a bank decreased credit cards, closed one account and has made my credit score drop . Mind you have never been late for a payment. I can’t wait to payoff my cards and close accounts.

1 year ago

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Nadine Collier

Horrible bank. I've never been late on any payments. They lowered my credi limit because I have high balances with other cards.. When they did this my credit score went below 600

1 year ago

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William Braun

Horrible customer service. They will over charge and bill you for everything they can and more. Good luck getting an help. Do not bank with them. Stay away. There are plenty of other banks out there.

1 year ago

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Alexa Ray Titusville, FL

Withhold of funds for months!!! They have put my money on hold for months now. No answer, no information. I want to close the account, they won't let me. Disgusting policies and customer service.

1 year 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.

1 year 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.

1 year 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!

1 year 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

1 year 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.

2 years ago Edited December 1, 2023

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Joseph Gregg FL

Open my Sams Club account with them in June and still having issues even opening the account. Third card sent out to activate is on the way and still haven't been able to use my card. Seems like they don't want my money.

2 years ago

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William Tracey Waterloo, IA

Synchrony Bank doesn't care at all about customers. Don't ever think they do. Just as I needed a procedure, and needed to use my Care Credit account, they lowered my credit limit arbitrarily.

2 years ago

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yanina szenkman Miami, FL

Even tho you pay your amounts in full - and then some. they allocate moneys anyway they want and say you owe interest - how do i owe interest if i paid it in full? stay away from them!

2 years ago

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Cme Bluffton, SC

This bank stole $300 in rewards points From me and uses computerized automated phone tellers to make it legal. I'm taking an hour a day to spread the word that this bank is not your friend. Do business somewhere else.

2 years ago

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Brian Childs Houston, TX

Absolutely horrible to do business with! You can pay on an account for years and be in good standing then out of nowhere they decide to close your accounts. Just terrible to do business with!

2 years ago

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buckin bossybull Columbia, SC

Wish I could rate it at a zero. This company closed my Ashley credit card without any warning. Currently there’s no balance because majority director Furniture is on back order. Thanks a lot for dropping my credit score

2 years ago

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Yuval Naveh

Worst experience ever had with a us bank, my furniture 1k loan been changed and been fined 400$ plus intrest without lettingme know terms on sales daye. Really feels like a prepared fraud practice

2 years ago

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Nathan Gospodarek Green Bay, WI

Absolute garbage pile of a company , charged me over 100 dollars interest 2 times after I was 1/4 paid off and that brought me right back into the red . This bank should be sued and put out of business .

2 years ago

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Richard Alvarez Los Angeles, CA

I paid off my vehicle within a month and they already lost my MSO for it, i cant even register it anymore. All they sent me was a letter saying that i paid them off already. W

2 years ago

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Kris H Clearwater, FL

BUYER BEWARE - this bank does not care about the customer - AT ALL. They are loan sharks and will gut you the first chance they get. Terrible experience, Strongly recommend not using this institution.

2 years ago

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C Bare

Closing accounts on people who have never missed/been late on a payment and pay more than necessary every month! Thanks for ruining my credit! I hope no one else makes the mistake of using your services!

2 years ago

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Sylvia Lugo Tucson, AZ

Today I called for help on a QVC issue. The man on other end was condescending,rude,talked over me! Kept saying “Like I told you”! Didn’t solve anything! Very bad customer service!

2 years ago

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Elizabeth Kohlstaedt Helena, MT

I was refused credit despite an excellent credit score. There was no way to contact customer service. Stay away from anything to do with Synchrony bank

2 years ago

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Shem Brown White Plains, NY

By this bank is the worst charging me a interest rate of $40 for late fee from credit card of 1400 people need to boycott this stupid bank not business oriented unprofessional

2 years ago

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Tom Plunkett Longmont, CO

Terrible company. They advertise one thing but then don't follow through. I am disgusted by their lack of customer service. Crate & Barrel should drop them as a financing partner.

2 years ago

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Michael DeMarco

They are the worst all the credit cards I had that synchrony bank owned were closed by synchrony Bank and ruined my credit. Thanks synchrony bank Don't apply to any credit cards which synchrony bank has.

2 years ago

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Lisa Eipp Syracuse, NY

I have NEVER experienced such incompetence in my life! Deceased husband - years they have owed me overpayment money - can not get through to customer services. Sick of paying for attorney to call... unbelievable

2 years ago

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Rhonda Geanes Oklahoma City, OK

This company cost me a hard pull!! They preappoved me then going through the verification process I was told I was t approved? This is misleading and caused a hit to my report. Their practice is terrible!

2 years ago

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Mama Tried Granby, CT

This business sucks. DO NOT use them. I get the run around and on hold for minutes to hours, getting transferred and the run around, just to drop my call again and again. Cutting up my card.

3 years ago

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C Melbourne, FL

They randomly closed my account that was in good standing. Wouldn’t tell me over the phone, said I would receive a letter in the mail with a reason why… almost a month no letter.

3 years ago

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Glenn Kann Salem, WI

Every card I have them them they reduce the credit limit and hurt my credit score I am done with them canceling every card Discount tire, Amazon, Google and Husqvarna, not ever again

3 years ago

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GEO Peoria, AZ

Avoid Synchrony at all costs! I'm waiting for a credit and I'm told this could take 90 days to complete - which I read the reviews before agreeing to a 0% interest loan for a Mattress from Mattress Firm which I returned.

3 years ago

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Really Fast St. Petersburg, FL

Worst customer service on the planet, like calling your cable company. They don't tell you it will take two weeks to get your money when your cd matures. A sleazy way to get you to renew. A sleazy company. Not the good guys.

3 years ago

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Namor sumac Canoga Park, CA

The new "account manager sneak peek", is a security vulnerability . All of my accounts are vulnerable with only one illegal entry to my Amazon account.

3 years ago

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Haygar Horrible Weaverville, NC

Changing a phone number in PayPal credit is impossible, thanks to synchrony bank. The customer service is inept and offshore based. They screwed up with Amazon and now they are screwing up with PayPal credit.

3 years ago

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Triet Nguyen Los Angeles, CA

They stole my money (reward balance) after closing my account. I have made all payments on time. When contacted, the only thing they can say is sorry. A lot of people being scammed like me.

3 years ago

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Magan Santos Houston, TX

I have been fighting with these idiots since OCTOBER over a refund for a rug I returned. I have all of my documents and they still have not given me the refund. DO NOT USE THEM!!!!!

3 years ago

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Eric Hamilton Cumming, GA

This captain of branded cards dinged my credit rating by lowering all of my balances even though none of my cards were above 30% utilization and most were actually paid off. This company may be run by the devil himself.

3 years ago

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Meuric Elkins Park, PA

The Worst website I've ever seen. The Worst Hold Music I've ever heard. The Worst Customer Service I've ever had. The Worst App I've ever used. The Worst decision I've ever made was getting this GOD AWFUL card.

3 years ago

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George Pittsburgh, PA

They lower your credit line whenever they want. Their customer service representatives are rude. When I am done paying this loan I will close the account, and never do business with them in the future.

3 years ago

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Billy Mcclure San Antonio, TX

Set up automatically pay and they took all the payments out all at once call and said that they would fix it and I was to get a check in 7 to day day still waiting for the check I have call and still get the same answer m

3 years ago

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Albert Detloff Tampa, FL

Made all of my payments on time; nevertheless, they changed my due date and charged fraudulent late fees to my account. I would give them a zero rating they are crooks and liars!

3 years ago

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jimmy grant Richmond, KY

I paid an account in full and they want to charge me $194 for a bank transfer I never made.. I have called and emailed but not once a manager has spoken to me..I filed a complaint with the bbb anyway

3 years ago

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Ralts Monrovia, CA

Trash customer service. You will have to call them several times for one issue. They wont full refund your charge if its not your fault. They have bad servers too and management

3 years ago