Synchrony Financial Reviews

We have bought tires at Discount Tire since 1991. We are on a fixed income; so we always finance the tires. Around January 2026, we bought 4 new tires. In the past, we have had 12 months interest-free to pay the purchase price. When I handed the salesman the credit card, I told him, “I wanted 12 months interest-free. When I was given the receipt, it said 9 months interest-free, which I did not see.

Actually I would rate the experience as zero and not even a one (1). I purchased furniture at an Ashley Furniture store in the Central Florida area and opted in, on a one year no interest promotion, which turned out to be through Synchrony Bank credit card. In retrospect worst decision I could have made. I have been quite diligent in making above monthly payments and even paid additional payments as a very responsible customer. Apparently on one occasion I inadvertently omitted a digit when entering my bank account number via ACH. Lo and behold I saw a $30 fee on my statement.

Poor Autopay System and Unacceptable Customer Service. I am extremely disappointed with Synchrony Bank and its handling of my CareCredit account. When I initially tried to set up automatic monthly payments, their system repeatedly rejected my selected amount, claiming it exceeded my balance. Once the system finally allowed me to enroll, Synchrony withdrew my entire account balance instead of my intended monthly payment. I was later informed that their autopay system doesn’t take effect until the following billing cycle. This was never clearly communicated during enrollment, nor was I adequately warned that my full balance could be withdrawn.

Just tried to buy a dishwasher from Lowe's and could not believe the crap that they tried to put me through. The ** at the bank told me that if I don't have a smart phone they will have to send me the application to fill out and then have it notarized. They don't seem to understand that the customer is profit and they (the bank) is overhead. I have had and still do have cards issued from Synchrony all in good standing most with no balance. My credit score is 850. This was the most embarrassing encounters trying to buy something that I have ever experienced. Lowe's has lost a longtime customer because of their don't give a crap attitude on their financing policy. Again customer is profit and anything else is overhead, including paying employee for time wasted on phone and not being able to help. Both at Lowe's and Synchrony Bank.

I recently went to Mor Furniture and purchased a sofa and coffee table. The store was offering a zero-interest financing promotion for 48 months through Synchrony Bank. When I called Synchrony Bank to confirm my account balance and financing terms, a customer service representative told me that my account had a 35% interest rate. I spoke with two different representatives to confirm this information. I then returned to Mor Furniture to verify that my purchase qualified for the zero-interest promotion. The store manager confirmed that it did, and we called Synchrony Bank together. The representative could not resolve the issue and transferred us to Synchrony's Merchant Services department.

Synchrony Bank is gotta be the worst bank I've ever done business with and at this point that includes PayPal Credit through synchrony bank. I made a purchase which I bid for on Ebay the purchase was $586 which I put on my PayPal account I was supposed to receive a 14 karat gold Rolex watch and a pair of diamond earrings. The fraudulent person sent me a watch. It was fake fake Rolex and I also didn't receive the earrings the diamond earrings that she said were there with it.

I am extremely disappointed with Synchrony Bank and the way my situation was handled. My experience has been frustrating from the beginning. I have spent time trying to get answers and resolve the issue, but instead of receiving clear information and meaningful assistance, I have been passed around and left feeling like I had to fight just to get someone to address the problem. What is especially frustrating is the lack of consistent communication. Different representatives provide different information, and getting a straightforward answer has been extremely difficult. A financial institution should make it easy for customers to understand their accounts, payments, fees, and options. My experience with Synchrony has been the opposite.

It is one of those too good to be true. Use you for their benefit (I guess a numbers game) then toss you to the wolves when they used you enough. I opened my account In April 2026 2k limit. NEVER MISSED A PAYMENT. Better yet paid more than I was advised I needed to pay. $167 roughly a month. The bills have not even came close to $100 rack month after billing me. So I was paying if not that close to it each month on time now or if not prior to the due date. I guess their plan was to charge me less and make a profit. My goal was to pay them off asap without having to pay back a lot in interest..

We were scammed by a remodeling company called D' Best Floorz that we financed through Synchrony. We showed them evidence that the remodeling company committed fraud to collect the money in advance and still they agreed with them. Forcing us to pay for something that is in bad condition. It is the worst bank, with the worst customer service. Avoid this bank. They don't care about their customers.

Lack of proper prompts when calling in, long wait times for an actual agent, wish there was an alternative CC company for Amazon.

Worst bank ever well, lie to you. Keep information from you. Take your payment and will not apply them to your bill. I feel like I've been robbed without a gun. After dealing with this bank, if you care about your credit or your finances, stay far away from them.

Venmo issued me a CC, THROUGH Synchrony. I paid it every month. No balance. Then, one day it was declined, for Fraud, they said. There is absolutely no way to get your card back after they do that. NONE! Four months now. TWICE I proved my identity with their own link to scan my face, both sides of my license. Nothing. Still can't use it, and won't send a new one. I spoke to them no less than Four times on the phone. Email is useless as well. Not one person in that company is competent. Stay away, and never even considered using this company for anything. I'm not even going to use their regular app to pay friend, anymore. I'll use PayPal from now on.

Synchrony Bank/Care Credit Mastercard is ripping off people pockets overcharges. Interest fees up to more than 869.00 in one year.

This the worst company that I have ever dealt with. They give you credit and then they take it away never been late never been missed the payment but they still took my credit away while my other credit companies were giving me more credit. I will never deal with this company again

I'll keep it short. I will never do business with Synchrony Bank ever again. 7 years always on time payments, one missed payment, honest error too, 9000,00 limit, only owed 121.00. Lowered my credit limit to 100 dollars then hit my credit score 85 points then next month did a review of my account after they stole points from then did it again on different card. Lowered my rate by 8000.00. This is crazy so because I missed one payment and account is paid off and 160 point off my credit score. So crazy. How can they get away with this.... Never again guaranteed. Guess capital one will get all my business now. Unless I get a call and this gets resolved!!!!

Paid for purchase and charged twice. Got a credit for over payment and told my account had zero balance. Then got rebilled for same thing 4 1/2 months later and also was billed for returns that had been returned and they told me they couldn't do anything about and I would have to pay for it again. Anyway I've used PayPal for many years and never had a problem till Synchrony took over. I am paying off my account tomorrow and canceling my account with them and want to warn everyone about them and don't use PayPal credit through synchrony unless you want to pay for things twice and not get credited for things you returned and pay for them to and again I warn ⚠️ you and if you do get it watch your account very closely so you can catch it quickly and hopefully it doesn't happen to you.

Got a letter stating my account was closed due to the fact that I wasn't able to make payments. Had account 7 plus years, never missed a payment when there was a balance. Never maxed out card.

Synchrony bank is a loan shark company. If I could rate them NEGATIVE stars I would. They do not care for their customers and are all about taking your money. Their 'free credit for X years' is a total scam. I signed up and used auto pay thinking their tool would set me up to pay it off in X years. Unfortunately, it did not give me an option to choose other than minimum payment.

Please read this and heed the warning. I was with Synchrony for almost 10 years, with that being said, my cards overall averaged out to a $180,000.00. Just with the five cards with Synchrony, those averaged $60,000.00. So my overall usage was at 1%, which is excellent. All my cards have been paid way in advance. Never paid one minimal due amount so they decided that I was deemed a high risk. No matter how good my credit score was, how good my payments were. And how good I kept all my balances onto the bare minimum.

Absolutely horrible customer service terrible and hidden fees. Can pay your balance in full and they throw in other charges.

Their customer service is absolutely horrible! They don’t CLEARLY understand what your issues are, so they don’t CLEARLY address what your issues are, therefore your issues are NEVER properly addressed! So glad I’ve paid this card off, and I NEVER plan to use it ever again!!! Horrible service and horrible interest rates!!!

I financed a $2,000 purchase through Ashley Furniture with Synchrony Bank. At the time of purchase, I was clearly told I would have two years with no interest. After only one year, Synchrony began charging me 30% APR, which caused my balance to barely decrease even though I have already paid $1,300. My current balance is still $1,592 due to excessive interest charges. When I called Synchrony to offer a lump‑sum settlement, they refused and provided no assistance or hardship options. This feels extremely unfair and predatory, especially since the original financing terms were not honored. I am paying off the balance to end this situation, but I want others to know how misleading and expensive this financing program can be. I would not recommend using Synchrony Bank for financing, and Ashley should not partner with lenders who treat customers this way.

I rarely leave one-star reviews, but this experience has been unacceptable. I disputed a $109.09 Walmart purchase after Walmart could not locate the transaction or provide a receipt. Walmart instructed me to work with OnePay and Synchrony. The problem is that Synchrony confirmed a dispute exists, yet I cannot log in to view it, monitor its status, or communicate through the dispute portal. The OnePay app shows no dispute at all. When I contact customer service, I receive conflicting information depending on who I speak with.

Closed three cards saying high risk. Had a 794 credit score and never missed a payment. One card was Lowe's I had for 9 years. This lowered my credit score to 733. I will finish paying off and never use them again. Don’t waste your time unless you want to hurt your credit score.

Added some fraudulent "security fee," I believe they just tack on and hope you don't notice it. When you call, they already have their spiel ready to go. Super shady practice.

If I could give it a 0, I would. I spoke to an agent last week stating that I would like to receive paper statements, but not be charged $1.99 each month for the statement since I don’t have a printer. She waived the charge of $1.99 each month and I am going to receive paper statements. Tonight I spoke with an agent regarding my other Synchrony account and they refuse to waive the charge. What is up with that?? After I pay this bill off, I will never use this bank again!!

This was a horrible adventure through AI hell and absolutely awful digital systems design. Nothing was easy and nothing worked until I spent 45 mins. with a snooty non English speaker. I will never buy another La-z-boy. This bank should be closed down by tomorrow.

I sure wish I had read these reviews before I got involved with this terrible company. I had some major dental work done and was told I would get 0% APR if paid off in time for promotional period. I have received my first bill and was indeed charge interest. Upon contacting customer service I was told it was a "reduced" interest rate. THat rate is still above 20%. I have good credit score so I thought the offer of 0% APR was a good deal. If I had known this I would have just used my VISA card. I believe they baited and switched on me. Looking to pursue legal action.

Stay away from them if possible!! I had an emergency veterinary appointment, and they offered a Care Credit card with only the option of 6 mo with 0 interest... Of course, I took it and planned on paying it off, but with over a $2K bill, unfortunately, I couldn't pay it off in 6 mo... Called to see if they would extend it, NOPE. After 6 months, it goes up to 33% of ORIGINAL bill. So I got a low-interest credit card to do a balance transfer...guess what? They don't do balance transfers! Said the new card had to send them a check. Never heard of such a thing, so I got a bank loan and paid Synchrony off in FULL...then the next month I see an email with a past due bill...??? I was charged interest AFTER I paid in full!! Never had any CC charge interest AFTER paying balance in full...so w/ a live agent on the phone I authorize that fee... balance paid in full.

If you are looking for a bank that has easy access to your money and values you as a client Synchrony Bank is probably not a good choice. Bought a car on Monday and the dealership wanted to be paid by check. Monday initiated an external transfer to Chase so that I could write a check. Transaction failed due to daily limit restrictions. Initiated another transaction for the daily limit amount.

Bought a bed through a national brand with zero % interest for 5 years. Process to get into the account to setup auto payments was painful and not easy but got it done. First issue was the payment amount and the mattress company may have messed this up possibly as it was supposed to be $100/month but they ended up doing $200/mo instead. Wasn't a big deal but first issue.

The Sam’s Club credit card issued by Synchrony Bank is not compatible with Apple Pay or Apple Wallet, which is highly frustrating. Synchrony Bank made a big deal in early 2025 to add many of their credit cards to Apple Pay, but as of March 2026, still not the Sam's Club credit card, causing this credit card to lag far behind the current technology and coveted convenience for card holders. Per customer service, there are no current plans to add this credit card to Apple Pay.

Their policies in issuing 'branded' credit cards defies logic! My spouse has a Sam's Club credit card issued by Synchrony. As a small business owner, I am a long-time Sam's Club business member and my spouse is a 'complimentary' member. Rather than open up an entirely new credit card, we decided to contact the bank (Synchrony) to request an 'authorized user' credit card for me. Per Sam's and Synchrony, I am eligible to apply for/ receive a Sam's Club credit card. However, Synchrony DENIED the request for an authorized user card because I am the PRIMARY Sam's Club card-holder! Just how INANE is that?! They said to go to the Club to get this sorted out!

They closed my account and couldn’t give me a good reason. Never missed a payment and was never delinquent. Had a new credit card from a different bank in 15 minutes, which had better rates and better rewards. In the end Synchrony did me a favor.

My Venmo credit card was denied and I got a text from Synchrony about verifying who I am. I responded that I wanted to resolve the problem and then received a phone call from a Synchrony phone center in India. They then sent me a link to do a video verification and and to send photos of my driver's license. The verification process seemed buggy and did not work. The video just kept recording and would not advance to the next step. The man on the phone said maybe the problem was our internet. I then tried turning off WiFi and then using cell service. Same result. Now I have to wait 7-10 days to get a letter from them.

I’ve had more than one instance with Synchrony and would suggest if there’s any other alternative you choose them. I paid my account on time and off yet still they lowered my credit usage. I’m guessing due to the fact that I didn’t use them anymore. Would highly recommend someone else. Poor Service for attributes.

Our Sam's club and jcp ccs have both experienced trouble with payments not being received, even with confirmation #s!!! It went so far as a fraudulent email sent forcing us to make ANOTHER PAYMENT. TWO PAYMENTS IN ONE MONTH!! Also had problems with Christmas gift cards never being received and still charged. Eric in customer service was of zero help...only escalating the stress for an 81-year-old man. Horrible experience.

A zero bank. I had a card I barely used and never accrued interest. They cancelled my account on some really fishy stuff. Didn't mind seeing it go, but concerned about what is really going on with this bank.

Worst experience ever!!!! They ruin your credit!!!! After paying off my balance and never late kept on good standings always, they closed an account. The other They continually reduce your available credit. My husband's, They double charged his interest in large sums reduced his credit limit so it was less than balance owed. No latest, always paid on time. Mine was paid off and closed for no reason. Or just screws up your credit.

Synchrony Bank scammed me. I paid every bill on time despite not having access to an online account nor receiving paper statements. They gave me no visibility into my loan/payments despite numerous attempts. Right before the promo ran out for 0% APR, I contacted Synchrony asking why I was still being charged. They assured me if I continued to pay autopay, I would not accrue interest. This employee lied and I am now fighting to remove $3,000+ of interest and late fees. I will soon be filing a lawsuit. This company operates unethically and has scammed thousands of people.