Name: Synchrony Bank
Rating: 1.1

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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.

5 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.

6 years ago

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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.

1 year 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.

1 year 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!

1 year 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.

1 year 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!

1 year 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

1 year 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

1 year 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 .

1 year 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

1 year 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.

1 year 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!

1 year 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!

1 year 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

1 year 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

1 year 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.

1 year 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.

1 year 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

1 year 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!

1 year 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.

2 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.

2 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

2 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.

2 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.

2 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.

2 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.

2 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.

2 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!!!!!

2 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.

2 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.

2 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.

2 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

2 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!

2 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

2 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

2 years ago

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Preston Stephens Modesto, CA

I wish I could give this bank 0 stars. No online account access to manage account, cannot receive a payoff amount so I can no longer have to deal with this Flinestones company. Get up to speed Synchrony!! Never again!

2 years ago

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Josh McFadden San Diego, CA

Total trash fake bank. Changed me $14/month and when i tried to use the account on amazon I'd be declined 30-45 minutes AFTER placing an order. What a waste of money and time.

2 years ago

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Heather Weekesend Delray Beach, FL

The worst customer service of any of my credit cards! The reps read a script. They can't do phone or online payments from my checking account with Chase, but my bank can send them money? What a hassle.

3 years ago

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Maria L Flores Denver, CO

Called to report haven't gotten my new credit card. And a woman named Gaby answer me with a rotten attitude, very hostile and rude. That was my first time calling had a nasty experience.

3 years ago

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Rob Maggi Keene, NH

FIVE phone calls trying to get a copy of my statement totally over 2 HOURS!!! Five days ago they told me they would email the statement to my mortgage company. It hasn't arrived.

3 years ago

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Daniel Lidawer

This bank is awful. They have the worst service I have ever seen. No ability to expediate items. Operators can't call back if you get disconnected. Supervisors are worthless. Stay away from this bank if possible.

3 years ago

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Linda Ventura Apopka, FL

When you pay off a vehicle They do not release The lean so you can get a title. I have been calling for over 3 months and still nothing. My suggestion avoid this company at all cost. I really wish that I could do 0 stars.

3 years ago

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Robert Feinstein North Bergen, NJ

terrible, stay away Pay for your sevices and dont get interest free. Bad Bank Reps are poorly trained I had to take a bath after speaking with them, used car salepeople Stay away

3 years ago

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Marsha McLean Midvale, UT

I’d like to put no stars! Fraudulent and totally inaccurate in their conversations and bookkeeping! I tried twice to put automatic deduction. They said I did not talk to anyone, BS!

3 years ago

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Nancy W Washington, DC

Don't get cards from this company, Had credit cards and due to the pandemic decided to lower my credit limit and also when it was paid off closed the accounts making my credit score do down. Not happy with this Company

3 years ago

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Joon Kim Las Vegas, NV

Absolutely a nighmare 1. their website does not work 2. they don't have lock feature 3. I was lured in by the 2% reward but everything is fishy at synchrony. Going back to Chase

3 years ago

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Margot Morshuis-Coleman Charlottesville, VA

They lower your credit limit without any reason. What that means is you suddenly have a 90% balance on your card? They suck. No, you’re not amazing at all.

4 years ago