Synchronybank Reviews 1,859

ZERO stars from me!

I HAD SEVERAL CARDS WITH SYNCHRONY BANK,I PAID ALL MY CARDS FROM SYCHRONY ON TIME.I DID MISS THE DUE DATE ON ONE OR TWO CARDS, HOWEVER,THE NEXT DAY THE PAYMENT WAS SCHEDULED.HOWEVER SEVEN OR EIGHT DAYS AGO,WITHOUT WARNING,ALL MY SYNCHRONY CARDS WERE CLOSED.I HAD ONE PERSON ON THE PHONE TELL ME MY CREDIT SCORE WAS BAD,WHICH WAS A LIE!BEWARE OF THIS BANK, THEY DO HORRIBLE BUSINESS,LORD KNOWS THE EMBARRASSMENT IF I WAS TRYING TO MAKE A PURCHASE.I BRAGGED ON SYNCHRONY BANK,BUT WITH THIS HORRIBLE ENCOUNTER!BEWARE!THIS IS NO WAY TO TREAT CUSTOMERS!GOOD RIDDENS!

You got to be kidding. The worst. Fraud department non-existent. No filters, no alerts. Just thousands of dollars charged to your account and nothing done quickly to correct it. An absolute nightmare.

Absolutely the worst financial institution ever. They need to be investigated for their business practices. I will be writing to the BBB to also file a complaint.
I bought a sleep number bed with advertised zero interest through Synchrony Financial. I put them on auto pay through my bank and got a late payment notice. Apparently they move the due dates around and charge you the late fee. That’s how they make their money on these zero interest loans. They are total scammers. DO NOT do business with this financial institution.

This bank is the most corrupt and worse!!! High interest!!!!!! I've been paying for almost 1year everytime i paid $200 $150 $ 300 $500. Monthly never missed it payment. ( Good score.)Half of my payment goes to interest is'nt it crazy. ! From 5k they lowered it to 2k . And that my crdit score got affects cz of this ass clown greedy. Anyway after i pay off Definitely i don't wanna business with you guys. REDICULOUS!!!

Stay far far far far far far far far away from this bank, especially the pay later side. I have never had so much trouble just trying to pay a bill.

I have enjoyed Prime. Shipping is worth the save. I do subscribe monthly. I use my other credit card for local grocery shopping. It works. I do not feel safe with Synchrony Bank. 2025 a letter told me no more deferred-6 months promotions but it is on the Amazon checkout. I chose it memory failing me. The statement showed 6-mos deferred purchasing and the bank allocated my payment every which way but what I wanted. 1st time I contacted customer service she told me not to worry about interest and fees. The next day they put in a request to change allocation. I received a letter stating they cannot reallocate anything in the deferred payments. I called and asked to complain. Got someone who was better to understand audibly and she explained 11 Dec 2025 a decision was made out of the blue no more deferred payments allowed for me. I think Amazon should not have that choice then in my purchasing area and the statement should have shown regular purchases. I always have my credit card up-to-date expect now. I created a case with BBC Miami so Synchrony would clear up the problem. I do not like the website lack of 2 columns for reading balances.

They give you a credit line then soon after they lower it sending you into a negative balance with no communication..I had a dental credit card for $4000 then after havwork done for $3200 they dropped my credit line to $2700 …I despise Synchrony bank…closed all accounts due to outrageous interest and non transparency

Absolute worst company. They said because I don’t have an open real estate account (my mortgage is paid off) they closed several accounts. So closing the rest and will never do business with them again

Every single time I have opened a credit card or a loan with Synchronybank it has been nothing but a dark comedy of errors that winds up costing me money it should not or impacting my credit incorrectly or both.
JUST SAY NO TO SYNCHRONY BANK

Used NAPA care credit through them, paid the account off in full with a cashiers check that they cashed. Havent used the card since. Its been over a year and they are still stating them never received payment even tho I have showed the proof of the cashiers check being cashed by them several times. I will NEVER use them again.

I am having problems with my Synchrony Home Design" card. I signed for a fixed rate 9.9%120 month loan $121. a month. "until paid off". I only used it once when my sewer pipe collapsed.No problem for 4 years. They sent me a statement a few months ago telling me my payment was due. I immediately paid it. I saw on the Account Manager" that I still owed the payment. It had been posted to the prior month. They sent me a check for $121. and I resubmitted it. The next bill they sent had a minimum payment of $156. I paid that. Now they are billing me $156. I spoke with a person named "Jennifer". She did not seem to know what was going on. That is not the agreed upon payment. I have filed a report with the Consumer Financial Protection Bureau. Waiting for a response.

Got approved for 800 dollar limit for discount tires credit card they lowered my credit limit without emailing or let me know anything bad business practice

My primary complaint concerns unauthorized transactions on an account that I did not recognize and was never properly informed about. I first became aware of the issue through an alert from my credit bureau. Prior to that, I had never received a credit card from Synchrony Bank or any account statements itemizing transactions.

When I contacted Synchrony Bank to dispute the charges, I explained that I did not recognize either the bank or the merchant associated with the account. During multiple dispute calls, representatives repeatedly referenced merchants and locations that were completely unfamiliar to me. Eventually, Synchrony sent a statement showing a CARRIED-OVER balance exceeding $7,000.

Adding to my frustration, Synchrony Bank claimed that I had reported the card as lost or stolen through an email notice. This was impossible because I never received the original card and never submitted any lost-or-stolen report. I repeatedly requested that they stop sending these notices. Despite my requests, Synchrony mailed a replacement card to me. I immediately returned it to the sender, clearly indicating that I had neither requested nor wanted the card.

After more than nine months of filing disputes, I requested detailed information about the merchant, especially the contact information and an itemized list of transactions. Most reputable credit card companies provide consumers with sufficient transaction details so they can attempt to resolve issues directly with the merchant when appropriate. However, Synchrony Bank insisted on handling all communications with the merchant themselves and did not provide the transparency I requested.

The lack of documentation, the contradictory information I received, and the prolonged dispute process have left me with serious concerns about how this matter has been handled. As a result, I have lost confidence in Care Credit Synchrony Bank's customer service and dispute resolution process.

I used my card for groceries, paid it off completely when I get my paycheck. They hold the funds for an additional 15 days, even after everything clears on their end. Just because they didn't make the revenue they projected. Canceled my card within a month. Absolutely terrible customer service, and I would not recommend them to anyone.

Zero is not an option
Don't use this Bank is crooked as hell they do borderline illegal activity. When it comes to their credits had their harbor freight card given a 2k credit limit for 1 month used it once for 56 dollars and payed it of before the billing cycle and was sent a letter saying credit limit dropped to 100 dollars because I got an Amazon car and it was through the same bank amazon started at 1000 then dropped to 500 before I used it for the first time said I have multiple cards was at 500 for almost a year used it and payed off a few times used it for 450 to buy a mini split system first payment came up for 44 dollars I payed 150 dropping balance to 300 and get a letter within a couple days that may limit was dropped to 350 following month payed it to 150 and within a couple days letter it dropped again to 250. Then made a payment dropping it to 50 balance on the 23 of last month my physical bill says it's due the 26 of the month when to pay it off and close the card and balance went from 50 to 102. Hasn't been used so I called and according to thim my last payment was late it came in to the 26 and it's due the 25. Told the my due date was the 26 it's been the 26 for well over a year I have a physical bill that says the 26, and was to no it was changed to the 25 its on auto pay how's it late. They offered to wave the fee this time and balance would be 60 dollars when I said the balance was 50 her response way no it was showing 60, so I said fine i want to pay it and cancel the card. And she just sat on phone for not said anything for a couple minutes and the goes oh did you want me to do something. No stupid why would I expect you to do anything it just your job

Learned the hard way that Synchrony Bank partnered with Paypal (as Paypal credit) to proliferate fraud and scam. Never again for either one.

They’re are the worst of the worst. There was a fraudulent charge on our account. We reached out to them and they said we’re investigated and found that we have to pay for an item that was never delivered to us. We call and they were really rude. I wish someone can close them down.

If you have your payments on auto-pay and you do deferred interest, be very careful and monitor each statement. I fell for the trap and didn't notice my auto-payments were being lowered over time so I had a balance at the end of the promotional period. Long story short, my balance exploded and ended being more than what I started with because they retroactively charged all the interest and then started adding in interest month by month on top of that. I was thinking the card was almost paid off until I looked at it. I am taking great joy in closing all my Synchrony accounts, especially the one I use almost on a daily basis. My credit score is well in the 800s and the hit from the closed accounts won't affect a thing. I will NEVER use a card or credit that's owned by this company again. It is comforting reading the reviews and see that I'm not the only one that fell for this as I felt so foolish for allowing this to happen. Most definitely a lesson learned.

Would give them zero stars if I could. Every month i have problems with the bill and how payments are applied with promotional balances. What good is a no interest promotion if they re charging you 32% on minor purchases. I complained again this month and got a letter telling me they are applying payments that way because of a federal law. What!! Funny thing is I have a Lowe’s account through them and they apply those payment the way I want automatically when I have a promotion.
Going to close the account, it’s not worth the headaches every month and the horrible customer service.