Name: Synchrony Bank
Rating: 1.3

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Rosalyn Jimenez

If I could leave zero stars I would. If you care ANYTHING about improving your credit score, stay AWAY from Synchrony Bank. They are infamous for closing accounts w/o notice. They've done this to me twice on accounts with long history that I have paid on time. They're justification was that they found something on my credit report that led them to (not simply reduce my limit) but go straight to closure. However, my credit status hasn't changed. Please do not support this bank and their borderline criminal behavior. Its companies like this that keep people from progressing.

1 year ago

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Kayla Ofeldt Liberty, NY

I would give a zero if I could. The customer service team and supervisor are horrible. I had a late payment fee because the payment was made on my due date and they do not offer any kinds of grace periods. And since they returned the one late payment fee, they can’t do another in a 12 month period because my payments were made on the due date. Never dealing with Synchrony bank again.

1 year ago

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Darlton Omar Sinclair Houston, TX

If it would allow zero stars I would . DO NOT OPEN A CREDIT CARD WITH THIS COMPANY . I place in all caps for emphasis , They are the worst will closed your account even with you paying on time they lower your limit and mess up your credit. Avoid them they should be shut down and put out of business. Their customer service is mediocre and they are so out of touch , Avoid them and look elsewhere,

1 year ago

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Melissa Kelly Glendale, AZ

These people are crooks!! The agreement states they will charge 26.99% interest, they charged 39.98%. Nowhere in the agreement does it say that they were going to take the amount they should charge and multiply it by 365(days of the year) then divide that number and then multiply that number my the number of months for the promotional period to overcharge by nearly $1400. I do believe this is illegal and this company should be fined and shut down. I will be seeking legal action against them. This is unacceptable!!!

1 year ago

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Darrell Schultz Phoenix, AZ

Do not use their banking, nor get a loan through them. The customer service is horrible, also not the best people to talk to and are not helpful at all. Plus I've been trying to pay off a loan that I did with them for dental work and have not once been able to pay on time due to the fact their auto-pay doesn't work and have been charged 200 dollars so far for something that wasn't my fault to begin. Use a different bank if you can, it will safe a lot of hardack

1 year ago

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Cassie Smith Portland, OR

Run! Run far away from using this bank. We purchased furniture almost 6 months go with Mor and they put us in the wrong payment plan. It has been a literal nightmare. Even after we showed them that we were supposed to be in a longer agreement, it has been 3 months and this still hasn't been resolved and now I have a notice on my credit that I'm 30 days past even though we have made the monthly payment we were first originally told.

1 year ago

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Alicia Wichita, KS

The worst bank I've ever had credit with. Closes your account for no reason when your bill is paid on time. Decreases your credit limits when you've been paying on time. They make no sense, once my accounts are paid in full I will be closing them all even if it hurts my credit and will never apply for credit or bank with them ever again in my life. Id give this company negative 5 stars if I could. Please bank/credit with anyone else but them.

1 year ago

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D L Carlsbad, CA

Just trying to open a new CD account so far has taken a half day and still not done. Now I have to wait for them to approve me to open an account. Seriously, they are the ones who need approval, and they are failing miserably. Now I'm supposed to receive it by snail mail for their approval! Another week or so while rates go down. The worst bank I've ever dealt with by far.

1 year ago

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Shilpa I CO

Purchased a Synchrony Home credit card on 11/2022. This was the first time for me to know how this works. I thought in 12 month the amount paid to buy furniture would be paid and autopayment also gets cancelled automatically. In Jan 2024, got to know Synchrony has charged 613$ interest on my account as the full amount in 12 month was not paid. I called the customer care to explain the situation and was the first timer , they did not wave off the amount. Very poor experience with Synchrony. Immediately paid the amount and closed the credit card.

1 year ago

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Candi Thomas Chicago, IL

Customer service is terrible once I pay off my credit card I will be closing my account and never again dealing with Synchrony bank. I’ve only called in twice and both times the representative yelled at me and I literally had to go off. English is not their native tongue so basicallly there’s a communication barrier and since they don’t understand what I’m saying they just yell Judging from these reviews I see I’m not the only one that had a terrible experience. NEVER AGAIN!!!!

1 year ago

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Gwen L. Killeen, TX

I was never late on my payments and always paid more than they amount due every month, and they took my unused credit away after I cancelled a Credit Security Program charge that I found on my bill every month. They were literally charging me $65.00 a month for whatever that Security Program was. I had no idea. I kept wondering why only a few dollars of my payment was being applied to my credit. I am so angry with this company. I have been a loyal customer for years and thats the crap they did. Run, don't walk from this company. They do not have the customers best interest at heart.

1 year ago

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Scott smokeytaz Dorn Augusta, GA

This "bank" is absolutely horrible, they will reduce your credit limit,Even when you have not missed a payment. When y'all reduce ones credit limit y'all make that person look bad and hurts credit rating. I'll not ever use synchrony when I pay those idiots off. Lower a good standing customers credit is a great way to lose a Paying customer. I hope this bs bank folds and goes under!!! Oh yeah why are yall checking my credit report With Out my permission? I did not authorize it!!

1 year ago

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Mick Syed Conroe, TX

Worst customer service ever. I made the payment on a new account too early and scheduled the recurring payment from my bank on a monthly basis. Their system ignored that first payment and charged me a later for all payments there after! I only realized this when I received a past due notice in mail for a payment that was scheduled. Customer service was of no help stating there is nothing they could do about the situation, it is just the way their system works.

2 years ago

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Chad Marusak Bedford, TX

My payments have been made timely for over 1.5 yrs, I am ahead two months on payments, they closed my account and for three months have been reporting negative remarks (SINCE /8/2023)or showing late payments even though I am two months ahead EVEN ON THEIR RECORDS per their customer service , I had auto pay and they still hit my acct many months showing that I made 2-3 payments a month 14 payments in 9 months) on my bank statements, this place is far from correct in any business practice and is very shady!!!. DONT WASTE YOUR TIME

2 years ago

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Rick Dougan Benton, AR

I paid all of my payments on my Synchrony Care credit credit card early every month. I paid my July payment that was due on 7/19 on 7/5 2023. I paid my August payment early on 7/27. I then paid my September payment early on August 28th. Synchrony Bank charged me a late payment fee and a non payment fee which they did waive one fee but would not waive the other even though they agreed that I did not miss or make a late payment. I'm very unhappy with Synchrony Bank customer service!

2 years ago

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Noah S New York, NY

I asked for my statements to be sent to me since they weren't accessible online. After the wrong statements were sent, I had to call in SIX times to ask for access. Four times, the customer representative hung up on me. One supervisor promised that I would have the statements in 24-48 hours. After three days, they told me I would get them by 5pm. At 7pm, they told me I would not get them and hung up on me. I still haven't gotten what I need. If I could give 0 stars I would. Don't bank with this company if you want a bank that you can trust and that respects you.

2 years ago

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Paula Kirby

This has been the worst Credit Agency I've ever dealt with. Consistently lowering and/or closing accounts that are in good standing, due to elevated credit use on other accounts. News Flash Synchrony! We sometimes have to rely on our credit accounts when going thru temporary financial issues! When needed the most, they closed accounts and lowered limits to a fraction of nothing! Will never recommend nor patronage this company again.. I gave them a 1 only because "0" is not available. Rude Cust Serv Reps as well.

2 years ago

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Sunny Blaine LA

I had a loan for a flute to pay in equal payments to pay for 36 payments. If the loan was paid off within a particular date there would be no interest. Well I paid on time each month and paid off the loan with date agreed upon. They have now added around $250 on interest for “fraud” protection which was for around $350 which I never signed up for. I got them to drop the $350 but they are still charging me $250 plus interest on this interest. I will never use Synchony Bank again.

2 years ago Edited October 2, 2023

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Dee569 Rockmart, GA

They will cancel cards even if you made payments on time, AND EVEN AHEAD OF TIME! So my credit score dropped for a time and so one of their products, the car care card, they closed and an Amazon card that they do they severely lowered the limit rendering the card useless in my case. Remember while my credit score had went down, I had never missed paying them on time and the full amount due. So they didn't do good business with me, as I kept my end of the deal but they didn't keep their end. I strongly suggest that you find a better more understanding company. Shalom.

2 years ago

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Barsha Pun

Very disappointed with this bank. Never ever I had this kind of ridiculous experience in any other bank with ridiculous promotion. When I applied for the card they said it’s 0% interest for 12 months. Nobody literally nobody inform me they will charged whole bunch of year interest in the next year. When I called them they said “they can’t do anything now since it’s been months”. For god sake please do not involved with this bank. I rate them 0 star. Worst worst worst bank and experience.

2 years ago

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Kelli Belsches Huntersville, NC

I will never do business with this company again. I have four accounts with them. I forgot about a payment on one account but the other three were in good standing. They lowered the credit limit on all four accounts although three of them were in good standing. This action increased my credit utilization because they lowered my credit limit on all accounts and my credit score suffered.

2 years ago

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Morgan Murphy Newbern, TN

I have always made my payment early and paid more than my minimum payment. I was never told that I couldn’t make a payment in advance. So apparently I paid it too early and they put it down that my payment was late and put a late charge on my account. They refused to remove the late fee and now I have a late payment on my credit. I will never use this company again! I only used them because I bought furniture from Ashley Furniture and this is the finance company they used.

2 years ago

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Dahn Stackalis Greer, SC

In June I was trying to get my sister some dentures through Aspen Dental.. I was approved for the cost with a Care Credit card.. The dental office didn’t do all the work I was charged for and said they would contact Care Credit to take $1400.00 off the cost.. When it didn’t happen I opened a dispute for the $. 1400.00 to be taken off the original cost of $4135.50 .. Well Synchrony being the low class uneducated financial institution they are told Aspen I was disputing $2700.00 of the cost.. Well go figure I have to pay the entire $4135.50.. PLEASE SHUT THIS FRAUDULENT BUSINESS DOWN!!

2 years ago

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Juanice Alexander Jacksonville, TX

I will never do business with this bank again!! I have been unsuccessful at logging into my online account which caused me to be late on my credit cards. Then they started closing my accounts after I had repeatedly reported the website error notification. Most of my cards with them are paperless statements and I had no way of knowing where to send a payment or any other way to log in. When I tried to log in on each credit card site it said I entered the wrong information. Now my credit that I was rebuilding is bad again. Thanks for nothing Synchrony Bank

2 years ago

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BILLY GRHAM Miami, FL

Dear Fellow Citizens, I previously held one account with this charlatan and they gave us a 7500 credit line in Ashleys manager approval on the sales floor and we spent 4500. As we got to 3600 to pay off the interest they hit me with a 3000 interest charge. Dust in the wind I have paypal and pay on time and I logged in now and it says account closed. No explaination other than they are an illegal banking entity that engages in bad faith predatory lending and bait-and-switch tactics in order to write off customer junk debt. Waiting for this case to hit some fancy lawyers desk.

2 years ago

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Dale B. Hollywood, FL

Worst Bank Ever!! Close my care care card right in the middle of my progressive insurance payment. Almost made me lose my car as a result of their stupid tactics they do to people. Well guess what, now you can POUND SAND for the remaining payments too. I'll give you notice about paying the same way you notified me on closing the card, after you took my payment for the insurance. Really

2 years ago Edited September 12, 2023

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Angel Aguirre

I made a large payment because this bank is messing with my card utilization. Almost 2 weeks later they still have my funds on hold because it was a large payment. I was told they would report it on the 29th, and you guessed it. They still haven't processed it. I was told now that an additional 2 days later that they would finally process it and report it to the credit department. Never again will I use them. They will report usage almost the same day, but will take their sweet time to update your usage.

2 years ago

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Leslie Cavalie Manchester, TN

Had a loan for 2 months, made 2 payments already and today I was going to make the 3rd payment but showed as late and with a $30 late fee. I was not late; I have been paying one month ahead. However, according to the lady on the phone, if I make a payment before the statement is issued the payment does not count towards that month but counts towards the month before, so they are counting 2 payments in the first month and no payment for the second month and charging a $30 fee. Never have I been charged a fee for paying early or before my statement was issued. Ridiculous!

2 years ago

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Main Account Cleveland, OH

The customer service department is absolutely terrible! Long long waits on the phone. Representatives are not knowledgeable, have gotten different answers to the same question. If I didn't have a Sam's Club account I would never use this bank. Terrible, terrible, terrible and I never write reviews. Have wasted so much time trying to deal with them on mistakes they made.

2 years ago

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valiant200 Oakland, CA

i’ve had have a savings account with Synchrony for a couple years. everything has been in order and no issues. interest rate is top notch.

2 years ago

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Patrick Veilleux Minneapolis, MN

Do not do business with this bank! They have closed 4 of my accounts with them for no good reason. This lowers you credit score dramatically and when you need credit this is not a good thing. I paid all my bills on time and this did this to me. What a joke of a bank and hope they go out of business. I hope karma bits them in the butt for doing this to loyal customers.

2 years ago

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Auti Morgan Portland, OR

Don't bother opening an a card with them. We had 3, paid all in time and even early. They closed 2 of them and reduced the availability by half on the other one. This was all at different times. It always said it was because my score dropped. plus the drop in scores were very small and very temporary. Them closing it made it go down . I paid them on time and they punish you by dropping your score. And that drop was much bigger and harder to recover from

2 years ago

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David Cruz Woodstock, VA

I had a Heart Attack and took a cut in pay which landed me behind in several bills. Synchrony bank hired Tenaglia and Hunt to take me to court. They asked why I fell behind I told them I had a heart attack and that did not help the situation at all. They still didn't want to work with me. Stay away from this bank. Also their late fee is the same as their monthly payment. This bank practices in predatory lending.

2 years ago

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Elizabeth Larsen

Set up auto pay with them. Wasnt notified that it didnt go. got a late notice and statement after the 30 day late.. I was out of the country. Called them right away as I had never been late on my credit and they confirmed it wasnt reported. When i paid to be up to date, 2 days later i got notification that it was marked late and sent to the creditors. Although it was their system that didnt function for auto pay and I had never been late before and their recorded rep had told me it wasnt

2 years ago

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Mike San Jose, CA

Synchrony closed my Lowes account because an ACH payment failed. I do not know reason for the failure. I paid in full from another bank account. However, Synchrony is falsely reporting the account as "settled" rather than "closed" which says I did not pay the pay the full amount. They are the worst bank I've ever dealt with and I will never get another account with them. I think poorly of Lowes for choosing to do business with this dishonest company.

2 years ago

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Kayla

Due to past mistakes and the pandemic, being a single mom, losing my job, and getting behind is my fault, but to let someone open a secured credit card from amazon and then they close it without warning because of that past is seriously messed up. Next time don't let the person open it. I was in good standing and paid my bill on time. I wouldn't recommend them for anything.

2 years ago

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Helen Alamillo Santa Clarita, CA

Synchrony Bank ran my credit without notifying me and reduced half of the approved credit claiming that they were doing it on a regular basis and that it was in the regularity part. I spent all night looking for it and never found where it was written. In addition to that, they added more interest than allowed. I hope JC Penney reacts because they could lose a lot of customers to imposter banks like Synchrony Bank.

2 years ago

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Steven Rougon Lafayette, LA

I've been trying to pay on my Amazon card for two months. I've been trying to use their app. I've been trying to use their computer website. Neither work. Then they charge me for being late. I can't be on time if you won't let me pay on time. They have this note that pops up saying sorry were having issues please try back later. We'll hell, I've been trying for two months. Then they lowered my credit limit by 70%. WTF

2 years ago

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Ben Tanzil Mission Viejo, CA

Just opened HYS account and attempted to transfer $10K into the account from external bank. Received an email stating the account is suspended and need to call customer service. Put on hold for 30+ minutes only to be told there's technical glitch with transfer system on its system and no ETA. I can't trust this bank with my money if they can't even get their things together. Closed my newly opened account and move to another bank with better customer service and wants my money.

2 years ago

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Thomas Linton Chagrin Falls, OH

Month after month, Synchrony's computer will not recognize the correct log-in data, either at the hyperlinked log-page or any other site they say is "correct." Try to pay by telephone, and you may wait for hours and never get picked up. heir attitude is that you are privileged to be their customer. i pay the entire billed amount monthly and have now paid the entire balance. i will never use their card again. Arrogance and incompetence is not an attractive mix.

2 years ago Edited October 13, 2023

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Rebecca Lawson Gate City, VA

Synchrony Bank is a vulture capitol bank. They buy out credit card accounts like Lowes, HSN, QVC, Sams Club, and many others and begin closing accounts that have been in good standing for years. And they give no warning of the take over so account holders can flee before the takeover and adverse action. Stay away from this company at all cost. If you have an account with them, it's only a matter of time before they hatchet your account.

2 years ago

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King Baby (Tha King) Ormond Beach, FL

DO NOT, I REPEAT DO NOT USE THIS BANK!!! ⚠️⚠️⚠️ IF you are struggling with credit do not look here. Though it may sound good, this BANK destroys your credit and with NO WARNING. I lost over 100 pts in one day with this bank and NEVER MISSED A PAYMENT. They run your credit every 3 months and in return DROPS your credit limit to make it look like a new account. This is HORRIBLE and a scam! Why would someone drop Your score when you NEVER BEEN LATE OR MISSED A PAYMENT..if i could give them a negative 0 i WOULD! STAY AWAY FROM THIS BANK!

2 years ago

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Jamie Vaillencourt Portland, OR

I agree with ALL of these negative reviews. This company is horrible and their customer service is even worse! Just like everyone on here, they'll give you an offer for a card and then take away or close your accounts without warning or notice. Stay far away from this company if you're trying to build your credit! I wish I would've read about them before applying. Glad I am almost done with them. I would give them -0 stars if possible.

2 years ago

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MichaelD Santa Rosa, CA

I opened a new Lowes card last year after I moved and was given a credit limit of $5k. By the time I received my card, my credit line was decreased to $4k. I used my card 3 days ago to charge $65. Today I received an electronic letter that my credit line has been reduced to $100. I paid off my $65 balance and told them what they could do with their card.

2 years ago

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Lindy Johnson Apopka, FL

They will be out of business after I call every news channel in Jacksonville today I make all my payments on time and then more .. For RTG rubbish They just added over $1,000 to my balance I can't get into my account .. I'm a widow with heart problems I am literally going to take them to the Bank and everyone is going to know how crooked Synchrony is !!!!!!!!!

2 years ago

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Justin Mednick Hopkins, MN

I was forced to use Synchrony Bank after purchasing a washer/dryer from Warner Stellian and wanted to finance. Although it was MY error that I set up my auto payment for 24 months vs 18 months, I received no email notification or anything letting me know my promotional balance period was ending and had to pay over $1000 in interest. This bank does not care about you and only wants more of your money. BE CAREFUL if you have a payment plan through them.

2 years ago

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Huxley Murfreesboro, TN

We got new gutters and they offered synchrony to finance. We set it up over the phone. We put it on auto pay and months later find out we are being charged some outrageous security charge each month dor protection that we NEVER asked for and we were never told about. When we called to ask what it was, the rep even said yeah you probably weren't told about it. We have been trying to call and dispute it but getting someone on the phone who can fix it is providing difficult. Absolute scam. Ive also found that Synchrony has had a few class action lawsuits. I can see why.

2 years ago

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tevita Saurara Anchorage, AK

I was speaking to your customer service representative around 2.40pm and he was so rude. It was a male representative and he was so rude. If he is lazy or don’t have customer service skills then he better not in that field. So lazy, no phone adequate and so rude to the customer. I then called them second time and spoke to a girl who was so patient and kind but the gentleman that I spoke to earlier must have woken up on the wrong side of the bed. I called regards the Amazon credit card account.

2 years ago

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Justin LA

Absolutely the most corrupt garbage creditor in the United States. Even when being contacted and told about hardships causing delays in payments just a week or two past due dates they take action against customers. They report accounts as being more delinquent than they actually are and lower credit lines or close them for no reason. They actively seek to tank customers credit reports as if that is the only purpose and source joy they have in life.

2 years ago

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Maw Fayetteville, NC

Whatever you do do not open a credit card account with this bank it will be of no use to you within 2 years they give you a high credit limit and then out of the blue for no reason they drop your limit down to the balance you owe with no warning or explanation . One day you go to use your card and it’s declined and you don’t know why you’ve never been late always paid on time but they have went into your account and trim the limit they are pathetic.

2 years ago