Name: Synchrony Bank
Rating: 1.1

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Justin Arkin

Do yourself a favor and stay away. I had an error on my credit report and these people lowered my credit line by 95% despite ALWAYS BEING A GOOD CUSTOMER AND NEVER A LATE PAYMENT . They CONSTANTLY MONITOR your credit and screw around with your limit WITHOUT ANY NOTICE. Horrible customer service. I tried to change one part of my address on six occasions to no avail.

1 year ago

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meg ryan

WOW they have a 1 star review and Now I know why!!! I missed one payment and they lowered my credit and charge me a late fee, dumb asses!! So, Now because you did that I don't plan on paying until I feel like paying and I might include all of you in my bankruptcy

1 year ago Edited September 20, 2024

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Sourashish Nag

Worse banking experience ever. They suspected my Verizon Visa card before due date. I couldn’t pay and they put a surcharge/ penalty. Never paid late. A fraud way of making money by this bank. They send me letter to verify credit history saying “To apply for a credit card”, when I have been customer since 2019. They want to lower credit history of the customer. Be very careful of doing business with this bank. Merchants should close there account with them like Walmart already did. Zero star Bank.

1 year ago

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Raymond Finkle

They lower your credit limit without warning to below your balance to hope you don't notice to be able to charge you fees. They also tell you they check your credit to adjust your limit based on BS factors. My credit has been better since opening my PayPal credit through them, but lowered it by half saying my score went down. The only time it's been down is due to them lowering my credit limit and raising my credit utilization. They are horrible. Queue the BS copy-paste reply.

1 year ago

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Piroska Racz

I had heir PC Richard card for 12 years. Yesterday I received notice from Credit Karma Synchrony closed my account without my request on March 27. Today I called to demand the reason. The rep said no purchases for over 12 months!!?? I told her the least they should do is notify a good customers a purchase is needed. No she said we don't do that but you can reapply. No thanks no way...I'm not that desperate. They take but won't give...not even a simple notice.

1 year ago

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james nicholson

I used synchrony for a few things and as soon as my credit score went down a little bit they lowered my credit limit and lowered my credit score by 32 points. Also I had a card that had a few dollars on it and I paid it off and they shut my card off and witch dropped my credit score by a 100 point for having a card shut off that is my experience and last experience I had with this bank We live off are credit score these days and this company is hell bent on destroying ur score as fast as u sign up with them

2 years ago

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Trent Doyle

Like others, I had accounts with Synchrony, then got snail mail about their concern about paying my accounts, even though I haven't missed a payment. They pulled the same stunt about 2 or 3 years ago. So, I've gone through this twice with them. So, from my perspective, if I could, I wouldn't give them a star at all. I will never EVER do business with them again. I will not have a savings account with, nothing at all. Their call centers are never in the USA, their foreign csrs know nothing, it's just simply too much.

2 years ago

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Mark Mckinney

Awful experience with Synchrony. Had the card for a couple years with basically no usage. I applied for it with Verizon and it allowed me to get a discount at the time for some promo. Eventually they told us we had to have auto pay on the Verizon account through the credit card to get the autopay discount. So I swapped my auto pay over and had my auto pay set up through my bank for the card. After 1 failed payment for who knows what since they wouldn't give me the information, they closed the account with no notification that the payment had failed.

2 years ago

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Chad Peace Riverview, FL

This company is nothing but a scam! Bought a sleep number bed and financed through Syncrony Bank. I have never had a credit company that randomly reviews your credit score several times a year without any notification. Last week after 2 years they closed my account without any notification. I am going to work my ass off to pay them off as soon as possible. I will NEVER do business with them again. I would give them -5 stars if I could. This company should be shut down!

2 years ago

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Warren Los Angeles, CA

This bank is fraud they closed costumer account but before they rant your credit their credit line is a fraud a money machine don’t trust this bank they are bad like Santander bank fraud interest high they are from Germany not good they have American eagle 🦅 JCPenney San club gas car Macy 76 gas chevron so be on the alert 🔔 they are not good fraud

2 years ago

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MC Swift

The absolute worst! If you are in any way trying to build your credit or have good credit or any credit at all this company will ruin it. They constantly are lowering your limits making it impossible to use the recommended 30% credit card utilization recommendation. If it gets paid off annually why punish people for it. JUST STAY AWAY goal for 2024 pay off what I owe and NEVER do any business with anyone who uses this company just a terrible business who uses unscrupulous tactics to hurt there customers.

2 years ago

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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.

2 years 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.

2 years 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,

2 years 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!!!

2 years 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

2 years 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.

2 years 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.

2 years 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.

2 years 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.

2 years 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!!!!

2 years 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.

2 years 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!!

2 years 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