Reviewed June 12, 2026
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!
Reviewed June 11, 2026
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.
From the start (when the customer relations person said they didn't need any information on the death of my stepmother, but of course they really did and I had to call them back two weeks later to get it started...again) they have been a disappointment. It's too bad this kind of review can't get to heads of this department, as they are the ones who need to change their policies. Final insult...they promised me a chance to review at the end of my conversation today, but, of course, they hung up on me instead even though I waited on the line as instructed.
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Reviewed June 7, 2026
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.
Reviewed June 5, 2026
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.
Reviewed June 5, 2026
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!
Reviewed May 20, 2026
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.
As a member of Sam's club since 1988 and payment of balances on the Mastercard each month in full, access remained denied. I called three times, repeated the verification process, but not Code number issued. The agents response in the follow up calls became more dismissive. For me, this was a horrible, insensitive, devaluating process where I and my family members on the card were victims of process rather than recipients of assistance in time of need.
Reviewed May 16, 2026
Credit is extended by Synchrony Bank, which is located at 170 Election Road, Suite 125, Draper, UT
To whom it may concern, please reconsider before opening a new PayPal Credit account with #synchrony @synchronybank if you value time, sanity & fico. The experience with Synchrony Bank PayPal Credit has easily been the worst from a objective point of view. This bank arbitrarily lowered the line of credit multiple times, although the credit account was in good standing to that point. This didn't end the world, just a bit of wasted time after multiple occurrences.
The credit line was dropped while PayPal subsequently chose to charge the incorrect account, at the wrong bank. This is when PayPal was not set to use that bank account by default, and was never selected to be used. In fact, the PayPal Credit account was previously paid with a 20+ year old bank account which was predominately used for the PayPal Credit account in question.
Due to this glitch that appears to have been on the side of Synchrony and/or PayPal, the bank then applied a "return charge fee" for this systematic error. To be clear, I never chose the account that was selected when attempting to pay the PayPal Credit account. This whole process then repeated again only one week later, and that secondary "return charge fee" was also refunded in "the name of good customer service". Now this is more of an insult, or a joke.
Synchrony subsequently closed the PayPal Credit account entirely, after the line of credit was lowered, and stated this was due to the "return charge fee", which both had been refunded. Synchrony advised contacting PayPal to get them to furnish some form of proof, in which PayPal refused to provide. Mind you, this is because I had no say in which account was charged in these two occasions and the customer support was less than helpful.
Further, I've had multiple accounts with Synchrony, among many other groups and none of which have ever had such an issue before. This includes a PayPal Mastercard, also provided by the same Synchrony Bank which is still in good standing today. Synchrony & PayPal both point the finger at the other while neither offer any real assistance. Well I'm now offering you the **. Thanks.
Reviewed May 15, 2026
They are owned by Synchrony Bank, and this has been the worst credit card experience I have ever had. First, I have always paid off all my credit cards before any interest accrues. Before dealing with them, my FICO score was above 800. Second, they are claiming I have a $500.00 balance, which is false. There has never been a $500 charge at any establishment. Further, they opened multiple accounts and cards in my name with different account numbers, apparently in an attempt to generate a false balance/charge and cause confusion. Last, their phone reps cannot answer any questions or give a straight answer. Each rep gives a different answer to the same question. Clueless!!!!
Reviewed May 14, 2026
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.
Reviewed May 7, 2026
Synchrony took over managing Lowe's Pros credit accounts. I have been a Lowes customer in good standing longer than Synchrony exists. A while back I received a suspicious request form supposedly from Synchrony, requesting my SSN. But the form had NO official Synchrony letterhead, NO official name for contact or verification, NO return envelope and an anonymous phone number to call for "service". Seemed like scammers phishing, to me. Especially since I've been a Lowes credit holder for many DECADES, who I am sure, has had my SSN on record. So I ignored this creepy request. Two weeks ago they locked my account, insisting they need my SSN. I capitulated, sent the requested information PRIORITY mail. It was delivered 5/1. A week later the account is still locked and I am unable to even log in to PAY MY BILL, due the 13th.
This seems conveniently designed to trap me into getting a late fee and service charges being applied to my account. I called Customer service - transferred to 3 different human operators, after finally getting past the bots (which took over 15 minutes), each representative apologized for the long wait, explaining they were really "slammed" (Gee, I wonder why) and was put on hold again waiting for the "next available", and then after 20 more minutes of music, my call was dropped. So much for customer service: extremely time consuming, issue still unresolved. I don't hold Lowes responsible for this mess, Synchrony operations seem predatory, unprofessional and not at all customer oriented. If they need more account holder personal information, maybe they should include the request in with the Lowes statement. Where's a Menards when you need one?