Synchronybank Reviews 

Synchrony Bank is brutal, I have 4 accounts all in good standing, They've lowered 3 of 4 of my credit limits, I've worked very hard to maintain my credit building, I won't be using any of these cards again hoping they close my accounts, BUYER BEWARE! READ THE REVIEWS!

JC Penny Vision center closed after i placed my order and nobody contacted me. I am now receiving bills with late fees and credit downfalls. I have contacted this bank and they are unresponsive. Do not get a card to a vender if this bank is involved.

Horrible company. They closed 1 account with a 15k limit, zero balance and full on time payments for zero reason. They then closed another account with 1k balance and 6k available credit because I had 2 auto pay payments not go through over a 1 year period, mind you I paid immediately both times since it was me forgetting to transfer money to the account payment comes out of. Closing accounts severely affects peoples credit, I get it if payments aren't made and account is always delinquent but that wasn't the case either time. In total they have closed 5 accounts I had with them, all but one had zero balance and was paid in full every month,

I have had the TJX Rewards Mastercard for a long time and always pay my balance in full. My recent payment was due on a Sunday, so my bank processed it for the first thing Monday morning. Synchrony immediately slapped me with a $27 late fee.

When I called customer service, the agent admitted the mistake and credited the late fee back, but left a $2 charge for "interest" that she claimed she didn't have the authority to remove. Nickel-and-diming a loyal, reliable customer over a $2 interest charge caused by a weekend calendar conflict is petty and terrible business. Wiping out a late fee but keeping the interest generated by that very fee makes no sense. Fix your automated billing system.

The company charges you a $1.99 to have a paper statement. I go online to look at my statement and I cannot get the account number. I chat with them to try and get the account number so I can set up bill pay and they can't give it to me. I called them to get the account number and they can't give it to me they say I have to wait until I received my card. I only use this Bank when I want to get interest-free loans on things I'm buying. And unfortunately they own my Sam's Club mastercard. Wish I did not have to work with them at all.

Absolutely ridiculous overkill on security to the point it makes it impossible to use my paypal card. Lost my SCF tickets because my card kept declining even though I called this morning to make sure it wouldn't happen! Get your crap together Sychrony! You suck so bad!

I have several experiences with this bank. Beside hanging up in my face.
I had an Amazon account and after 15 yrs. It was deleted. My fault, I hit the wrong button. But, I called immediately and was assured that it wasn't. So, I have "Care Credit" "Husqvarna" and just got and Aadvantage for American Airlines.
So, because of and Eronious Website that decided this card. It was locked.
After contacting Synchrony Back.
The tried verifying me with a text that won't go through. Hung up on me.
Yesterday applied for a Lowes card.
Synchrony bank again.
They gave me $12k in credit. But my Aadvantage card is still locked because the text won't come through. Never in my 71yrs have I ever been treated like this from a credit card company.

This Bank is hopeless. They will never change. I have a samsclub business card. For first almost 15 years using them, they had very limited online interface, with no access to online statements. They made their interface a bit better a few years ago. But they have made it impossible to use their card! Almost every damn time there is a transaction which is out of the norm, they put a block on your card. And then to get that block removed is a chore. It takes minimum of 1 hour. Meanwhile, you are trying to do business and scrambling to ensure that your orders are placed and you will get your merchandise on time. It is almost as if they don't want people to use their cards!

If I could rate them less than a 1, I would. I had a Lowes credit balance sent to me in a check this past April, from 2023, I misplaced the check. I have been stuck on the phone with their useless customer service for no less than 30 minutes each time trying to tell them to stop payment and reissue a check to me. Every time I get a different story. Latest was I had to contact the unclaimed funds site, as this money has gone there. I checked the website NOTHING. Why isnt there a customer service email that we as consumers can use to reach them? Why is it that whoever I get on the phone with their customer service cant read the notes to see that the new check was just issues this year and stop payment on it and reissue a new one to me? Im at my wits end.

I would give them 0 Stars, if I could! I applied for a Discount Tire credit card to get 4 tires, and as I was in the their store I first went through their Pre-Qualifying 1st, and I was approved. Then I went to.their 2nd QR code to apply. I went through their complete like 4 pages of questions. Then it said,you can close your screen now..so I did, but nothing, no reply was sent to me by email, or nothing. Then 10 days later, I get this letter to verify my identity? So I ended up speaking to 2 Cust. Svc reps, they asked me for my SS#, Then I told them this 6 digit number from the letter. And they told me I just had initiated my application. Which is untrue! Sufficeted to say, I had to end up getting my 4 tires with Affirm instead! What a waste of my time.

New motorcycle loan. All I have is contract paperwork from dealer. I receive a letter from Synchrony to keep an eye out for a future mailing with all of my account information, for payments. Receive letter by mail 2 days before due, after work at 7:30pm in mailbox. Call to make my 1st payment, Synchrony does NOT take bank DEBIT card information. Next day have to leave work early to go by the bank and get my routing number, and complete bank account number with the correct amount of 5 zeros before rest of complete account number. Next day call in to set up 1st payment, there IS a $39.99, late fee for 1 day late. ABSOLUTELY NO, NO, NO grace period. Finally get a human on the phone, and she politely explains NO grace period. 1 day late and $39.99, FEE is added. As a 1 time only courtesy, since this was my 1st payment set up, she agreed to waiver it. Now 1 day after due date, I make the payment, 2 days after I make the payment Synchrony mailed me a NASTY COLLECTIONS LETTER. All of my online banking payments accept my Debit Card number. This IS ridiculous to send out a NASTY COLLECTIONS LETTER, 2 days after the 1st payment is made at only 1 day late. I will NEVER, NEVER, NEVER recommend for anyone to use Synchrony Bank for any type of loan. Or anything else.

I am only writing this review to inform people regarding the Care Credit card through Synchrony. They offer interest free costs for 6 months. This is good, but if you have multiple charges over the 6 month period, your payments are going to the most recent charges. If you have racked up a balance, when you make a payment it goes to the most recent charges. Therefore, interest in inevitable if you cannot pay off each charge as it comes through. I had multiple vet visits that I used care credit for about a year ago. The initial charge that I used the card for, I just found out I am still paying interest on that specific charge. Even though over the 6 month grace period where there is "no interest" I made payments of $200 more that initial charge. To avoid this you must call customer care and ask them to apply your payment specifically to the earliest charges on the card. If I would have known that information when initially getting the care credit card I could've avoided the over $500 of interest charges I am dealing with now.

I paid off the highest balance I had with this company which was $17,000 and two weeks later I got a letter saying they were closing my other account with them because of too much revolving debt. The account they closed on me was always paid on time & I hadn't used the card the closed on me in over a month.
TERRIBLE COMPANY think twice before getting a card with them.

I applied for a Synchrony bank credit card and they sent me a letter requesting additional information. When I called the "800"number and tried to give the person the additional information and tried to explain to her that I was having difficulty with the process she kept interrupting me when I was trying to explain the problem I was having. She made a frustrating situation even more frustrating.

This is absolutely the worst company I've ever dealt with. They find a way to charge you interest even when you make statement balance payments in full. If you have a promo balance with Amazon card, BEWARE. They will apply your regular account payments to your interest free balance and then charge your regular account interest without you even knowing. Their customer service agents are horrible and you might as well be dealing with a robot. I will never do business with any merchant again that aligs with Synchrony bank!

What a terrible customer service experience. I hope you never run into an issue with your card, because getting anything resolved is nearly impossible. They failed to send me the physical card for over two months, yet continued charging late fees and mailing statements. Since the physical card is required to create an account and make payments, I had no way to access or pay the bill. Talked to 7 people on their customer service line and they all had no idea how to help with basic requests.

I recently purchased a mini split heat pump for my house. The company that made the installation was listed as a project partner with Synchrony bank and offered 18 month interest free financing. This would have enabled me to have funds for another major project so I applied for a Synchrony credit card. I did make a mistake in the online application and was immediately rejected as a "high risk application source." And that's it you can't talk to a real person via their phone system and they don't have any offices (anywhere in the US as far as I can tell) where you can go in and resolve application issues. I asked the business doing the install for help and they could offer none. So despite having a credit score in the 800s and a low 6 figure retirement income I was forced to pay the full amount in cash. I see from the thousands of other reviews I'm not an outlier. Would give zero stars if I could.

They close good standing account and lower your credit limit without notice. Really for no reason. Beware of getting an account from them. They will mess your credit score up.

This bank with the horrible reviews recently lowered my credit limit for no reason no lateness no over the limit just like that ! Even after another bank just extended my credit . If I checked first I would not have opened a credit account with them. I only did it because walgreens was the lead .disappointed and beware !!!

I ordered a sound bar through ebay on 2/2/26 ,tracking info was used for another item in my area ,a package was delivered to a near by location using same tracking number ,(determined by federal post master )my package was to be 21 lbs over 4 feet long ,ebay says it was left in my mailbox ,not possible at all ,it was never delivered stated from federal post master ,it was a scam I am out $675.19 ,and no sony sound bar ,Synchrony bank will not investigate by calling federal post office and talking to them and giving them the tracking number info ,instead they listen to ebay who has no proof it was delivered ,I have had paypal last 10 years many many purchases never no problems till now its looking like Synchrony can't be trusted with my money any longer its been near 4 months now and they have ruled against me 3 times and still no answers of proper investigation from them , I feel I can no longer trust paypal (Synchrony bank).