Synchrony Bank Reviews

I’m a merchant and I don’t recommend it at all! I completed a finance job, they been charging the customer but I still haven’t received my funds in my bank account. It’s been over a month of just waiting with no real answers, calling back and forth with different departments and no one can help me is so frustrating.

If you were reading this, the reviews are true this Synchrony bank. I have a Home Depot card. I bought a wheelbarrow and I tried to pay it off. Went through twice on the phone with them within two weeks routing numbers still didn’t go through. They said it did they send me a bill again or call me and I say, "I’m sending you a check" so I sent them a check. Now I get a bill for 2 late fees. It’s ridiculous. Won’t be using synchrony no more. Have several their cards for years and use them and pay them off without interest. Just use them as convenience cards but no more.

I returned an Amazon credit and Amazon said I did not return it, so they rebilled it. On three different dates I talked to Amazon customer service who all confirmed that it was returned. The last time I asked the Amazon representative to send me a confirming email stating that it was returned in a timely manner. Synchrony Bank billed it anyway. They said that they could not received a scanned copy of Amazon's confirmed email, not could they accept Amazon's code indicating that it was returned. They could only issue a dispute of the charge that had already been resolved three times. I will never use Synchrony Bank again.

This complaint is related to the handling of our Synchrony account, and the assessment of more than $1,700 in deferred interest at the same time we experienced problems accessing our full account information online. We financed a furniture purchase through Synchrony under a 12-month deferred-interest promotion and made payments consistently throughout the promotional period. Our payment history shows payments of $300 in February and March, $350 in April, $150 in May, $200 in June, and $250 in July. On August 3, Synchrony assessed $1,743.56 in deferred interest. We continued making payments, including $250 on August 5, $250 in September, and $357.85 in October. Additional interest charges of $109.39 and $99.03 were assessed in September and October.

Although Synchrony Bank has competitive interest rates, please be aware of how they can "RIP YOU OFF" when you move money. I had 2 CD's for approximately 100K. I wanted to close them and move them to my High Yield Savings at their bank upon maturity. They told me it takes 1-2 days to move the money after the CD closes and that there is "NO INTEREST" during this period. This is an internal transfer of funds. I don't know another bank who does this. Unscrupulous policy, in my opinion.

financial institutions keeping people in credit purgatory even when they make decisions on bad information. THIS BANK DOES NOT CARE ABOUT ITS CUSTOMERS.

I would be careful about taking any loan from them. I used them twice. 1st was a 2-year interest free loan. So far, no problems. That was with Bassett furniture. The second was Avalon/Synchrony Bank. This was supposed to be one year interest free. What happened, i am not sure. The interest rate jumped to 34%. I did not review my bill and realized that I was being screwed in interest payments. Maybe I paid late once, and this gave them the ability to cancel my interest free loan. I quickly paid off the loan using a one-year interest free credit card that I have. I paid thousands of dollars in interest penalties. It was my fault for not reviewing the bill monthly. Bottom line. Buyer beware. I do not trust them. Read the fine print first.

I AM SHOCKED. My first credit card with this bank was JCPenney, then Lowe's, then Kohl's (I pay online), also P.C. Richard. Transunion says my credit rating is 818. It was lowered by 5 points for closing a credit card. Kohl's closed my credit card for not using it. They lowered my available balance on the P.C. Richard card for not using it. The new credit line would not be enough to buy a decent appliance so I closed it. Now unexpectedly I need to replace an old refrigerator. They denied me. I have 100% pay on time always, No bankruptcies, Never chased down by a creditor. DO NOT LET THESE CREEPS AFFECT YOUR CREDIT RATING.

I am extremely disappointed with Synchrony Bank. My Synchrony Mastercard was closed even though I had never missed a payment and had maintained my account in good standing. I believe customers who consistently make their payments on time deserve a reasonable explanation when their account is suddenly closed. Instead, I was given a decision that I found extremely frustrating and disappointing.

I had an $850 credit limit with Synchrony/Amazon and a balance of about $800. I paid over $800 toward the account, and immediately afterward Synchrony reduced my credit limit to $250. This left my remaining balance at nearly 96% utilization, despite having just made a substantial payment. I continued paying the account and ultimately paid it off, only to have Synchrony close the account. My concern isn't that Synchrony chose not to extend me additional credit. It's that these actions themselves can negatively affect a consumer's credit utilization and credit profile. I've filed a complaint with the CFPB because I believe this practice deserves review and greater transparency.

Worst experience with my Lowe’s credit card through them. Purchases of $49 in June 2026. Never received statement and by August 10th they had charged me $64 in late fees and interest. I spoke to rep August 8th (Saturday), paid online and since weekend did not go through till 10th. By that time charged me another $30 late fees and $2 interest. I would suggest never pay Lowe’s via their credit card. At some point they will zap you with penalties and fees. 20 years a Lowe’s customer and no forgiveness!!!

They closed multiple accounts that I wanted left open. It messed up my credit ratio and lowered my credit score. These credit card accounts were paid off and in good standing. I have a one pay checking account and so got a corresponding one pay credit card because I got cash back for Walmart purchases. They closed my account after the payment I made did not go through. You would think if I transfer money from a checking account it would be automatic like a real bank that I have but no. Cancelled it because of it and charged me a late fee. I am cancelling all other “Synchrony Bank” accounts and I advise you to do the same. They are a joke.

I was a customer of Synchrony Bank because they managed the credit card accounts I had for JCPenney Company and Lowe's Home Improvement stores. I canceled both cards yesterday because I had reached my limit in frustration with how difficult, unfriendly, unhelpful, and uncooperative Synchrony Bank is. I have endured their abysmal service for several years, hoping that their customer service would improve, but it only got worse. I have no problem with either JC Penney or Lowe's - I will continue to patronize both stores, but I will never again have any credit card that is managed by Synchrony Bank.

I've seen bad reviews for their credit cards and such, but I don't use this bank for that. I use the high-interest savings account and their CD's. Their interest rates are among the highest you can get from any bank. Much better than leaving your money sit in a typical bank drawing a minuscule interest rate. The bank is fully insured, and interest is always paid on time. No checking account is offered. Their website is easy to use and user-friendly. You can access your cash from ATM's. A great place to park cash you don't want in the stock market. Highly recommended.

Absolutely unacceptable experience with Synchrony Bank. I deeply regret ever opening this account. I only used Synchrony to finance my hearing aids, and the consequences of their 12-month deferred-interest promotion were never clearly explained to me. Once it expired, they hit my account with an enormous amount of interest. I called multiple times, explained exactly what happened, and even offered to immediately pay the remaining balance in full if they would remove the interest. They refused to help and showed absolutely no accountability.

Synchrony Bank is the most horrible bank imagined. They charge huge amount of interest charges and will not work with you as a customer. I am in the process of paying off 2 credit cards with them and will never EVER do business with them again. I really hope they crumble and feel the horrible effects they put on their customers!!!!

Do not sign up for the interest-free for a year. Then they do not warn you that it is ending. And then doubles what you owe without any explanation of the breakdown of the interest per month.

Applied for a Lowes card, I was approved a few weeks later. I went to Lowes and purchased a 42 inch cut riding mower. All was fine and dandy until I made the choice to pay off the full balance to avoid the interest charges. Then the nightmare started. First the payment never made it to my bank. I was in contact with them and the overseas rep told me countless times it's paid in full. I was that can't be right since you never took my money. A few days later I get a phone call from bank, "Oh your payment didn't process." I said, "Yea I've been trying to tell you that for a week."

Synchrony Bank charges a fee of $1.99 for paper billing. No other CC company does. It is not mentioned when signing up. Avoid using them.

I closed my Synchrony account after months of billing that I could never get a straight answer about, and it has cost me my credit score over $8. Repeatedly, I would call, ask for my exact balance, pay that amount, and then receive a statement the following month saying the figure I'd been given was wrong — followed by new interest and a late fee. This happened over multiple billing cycles. Every representative gave me a different explanation. On my fifth call, I was finally told something no one had mentioned before: that payments have to be manually allocated, and that if they aren't, the money may be applied in a way that leaves a balance behind and triggers additional interest and another late fee. That was never disclosed to me in writing or in any of the four prior calls.

I have been a long-time Synchrony Bank customer and have multiple credit card accounts with them. Recently, Synchrony unexpectedly reduced the credit limit on one of my cards to an amount that was actually below my current balance. As a result, my utilization ratio immediately increased and negatively impacted my credit score. What makes this even more frustrating is that Synchrony did not lower the credit limits on my other accounts, some of which carry higher balances and are not even being actively used. There appears to be no consistency or logic to their decision-making process.

If I could give zero stars, I would. This bank is incredibly predatory with how they handle promotional financing. They charged me full interest immediately after the promotional period ended without a single reminder, which feels intentionally designed to catch customers off guard. To make matters worse, their customer service is practically non-existent. When trying to resolve billing errors or unauthorized holds, hold times are endless and the representatives are often unhelpful or rude. They also routinely delay processing payments, which has led to overdraft fees on my personal checking account. Do yourself a favor and avoid any credit card or financing backed by Synchrony.

Nothing Good About Synchrony. Out of all other creditors Synchrony bank is the only one that purposely delays your payment for credit cards. A full payment was overnighted for all 3 of my synchrony cards on 6/30/2026, the tracking shows delivered on 7/1/2026 and as of today 7/15/2026 they have yet to process the payment, my advice would never do business with such a corrupt so called creditor.

Extremely bogus credit cards for TJ Maxx on Synchrony Bank… SAVE YOUR MONEY AND TIME…BAIT AND SWITCH is their game.

To summarize they are predatory and overly aggressive. They will not work with you and very much will try to ruin your life. Speaking from multiple unfortunate experiences with the bank.

I have never been so upset with a lending institution. This place is horrible!! For one their website and online billing is constantly making you change passwords. Then in the process the site freezes. After months of dealing with this I decided to close the account. Make the phone call, pay the balance and close the account. Done! Well guess what! I get another invoice for interest charges!!! I’m beside myself. I can again. "Oh I can’t help you but you can pay that charge but there will be another interest charge next month!!!" WTH no. I paid my balance. In full!!! BEWARE FOLKS. THIS PLACE IS A SCAM AND WILL CHARGE YOU OVER AND OVER AGAIN FOR NOTHING. You are better off getting a Capital one card and just spending it at Lowe’s!!

Had to give them a star bc you have to.. but if not they would get -5 stars! They are a bunch of crook. Watch your bills closely. I had 12 accounts with them.. and when I went to my bank and used my money to consolidate they closed all of my accounts bc of my payments to Sam's club.. all bc Sam's club doesn't take third party payments or some BS like that.. when all I did was make payments thru my debt card.. in which they took the $ and held for a week before returning to my account and giving me reason above.. bs of Sam's Club "policy" and third party payments. They closed all 12 of my accounts and the very next month was telling me I was pre-approved at cash register for cc 9k limit when was 12k before.. but I declined and am no longer in business with these crooks!! Be careful with your money. They are not to be trusted!!!

Synchrony closed multiple of my accounts, claiming I was a high payment risk. I strongly disagree with that assessment. I consistently paid my statement balances and never had a late payment with Synchrony. Instead of rewarding responsible customers, they closed many of my accounts, which significantly reduced my available credit and negatively impacted my credit score. The explanations I received were generic and did not reflect my payment history. I expected transparency, fairness, and respect after being a responsible customer. Based on my experience, I cannot recommend Synchrony.

Very vague customer service communications. Not transparent in policies and information.

I made a purchase and used this bank for financing. I returned the item the next day because my husband said it was too expensive. The company (Milvi) where I bought it from said no return and had placed a sign in their business that was not there when I made the purchase. The purchase was made on October 22, 2025, and returned October 24, 2025. I returned their item anyway and called the bank to tell them to cancel the purchase. They told me no and continued to bill me. I told them I would not pay for something I do not have, and they have placed it on my credit report. I have tried to reason with them to no avail.

TERRIBLE. Signed up for a line of credit when purchasing tires. Card never arrived, and when I called to make a payment I was on hold for over an hour. The AI chat is useless; the live chat was as well. WHY IS IT SO HARD TO CONTACT THIS COMPANY TO MAKE A PAYMENT????

Suck azz company! Run!! The worst experience I’ve ever had in my life! They charge you without warning, they charge you late fees without warning, they close your account without warning!

My stepmother had 3 online savings accounts. When she passed, I notified and followed the instructions for her beneficiaries. Discover and Everbank processed the claims pretty fast, within 6 weeks of contact. Synchrony Relations was really behind. We are 10 weeks into this and the check still hasn't materialized. I called again today, after following their final instructions and faxing 20 days ago. Believe it or not, they processed it yesterday and put it in the mail today. That's right, the check is in the mail. It's been 27 days since the other two online accounts delivered the $$. Now I get to wait up to 12 more days for the check to arrive.

Couldn't even get my account number from customer service, chat, call. They all suck. Don't use these guys if your life depended on it. You'll be sorry.

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.

Learned the hard way that they have teamed up Paypal (which used to be a secure payment system) to proliferate fraud and scam. Getting rid of Paypal AND Synchrony Bank's Paypal credit!

A most horrific experience. Emergency travel occurred to death of a family member. Sam's Club mastercard denied with out-of-state use. Fraud department notified that charge was authorized. I received an acknowledgement that the issue was resolved. However, the issue got worse. The use of the card was denied for all users, even those not traveled from the home location. I went through the verification process with facial recognition and ID verification, only to receive a notice that a letter would be sent in 7-10 days.

Credit is extended by Synchrony Bank, which is located at 170 Election Road, Suite 125, Draper, UT

Update: Just had an online chat with Judy ** who refused to help with my issue. The card has me owing $500 which I never incurred at any establishment. She refused to provide the name of any vendor where I would have had such an expense. She also refused to remove the charge and rectify their report with the Credit Bureau to which they erroneously reported a delinquency. Next, she refused to look up the fraud report I filed on their form and to which I circled the erroneous charges including one where the vendor was not in business at the time CareCredit says the charge was incurred. The company is morally corrupt and does not care about anything except extorting any amount of money from anyone who will pay regardless of whether it is a valid debt.

Run Away!!!! Do not rely on this company for credit services. I have a card for EMERGENCIES ONLY. And when I have an emergency vet bill and discover theses greedy bozos have lowered my credit line to $1024.00 (what a random number) without informing me. And the little girl on the service line says "I'm sorry you feel that way" when I expressed disappointment that they were not there for me when I need help. Once my current balance of $1024.00 is paid off it's AMF to Care Credit/Synchrony Bank.