Synchrony Bank Reviews

Very poor customer service!! Once a statement is received by a customer, the balance due is non-negotiable. No adjustment will be made to the balance, although customer service will take the interest off the account. Note: the account balance and THE balance are NOT the same thing. Any adjustment to the account balance is not reflected in the balance due. Word of warning: adjustments on your account are NOT reflected in your minimum payment due and can actually create higher minimum payments in the future.

I purchased furniture from a particular store. (Rooms to Go) This company usually deals with Synchrony Bank and I have had multiple problems with payments twice from Synchrony, once last year as they charged me a late fee because I paid to early. Instead of paying on your due date or before your due date, they will charge you a "late fee". Last year they did refund my late fee. Well this year the same thing happened. I paid 3 days early and they charged me a late fee of $30.00. I had forgotten they charged me a late fee for paying early. I don't quite understand how this is "legal". I've never ever had any problems or history of late fees. I finally asked to speak to a supervisor and oh.. she didn't help. I asked her if she felt it was fair charging me a late fee as I had made the payment prior to the 7th of February, (due date) I had made it on the 2nd or 3rd. She states "that's just how the company works".

After years of having a perfect payment history (I recorded the agent in India confirming this), Synchrony decreased my line of credit by more than half because I suddenly ran up some bills PAYING FOR MY SON'S FUNERAL! This crashed my credit score overnight and start a domino effect with other accounts that I have to spend this week working on while mourning my son.

Synchrony Bank is slow to post mailed payments for credit card accounts. An account for a retail store chain and one for a television shopping network, QVC, typically take 10 to 14 days to post mailed payments using the Synchrony Bank mailing coupon and envelope. Amazingly, late fees and interest charges are posted to the account with lighting speed. Calls to Synchrony Bank Customer Service are answered by rude and unhelpful representatives. Synchrony Bank is likely using these tactics to force customers to use electronic payments which cost less to process. If you have credit card accounts with Synchrony Bank, mail your payments as soon as you receive your statements or you will receive charges if the payment is postmarked 7 days or less from the due date. Better yet, when you have alternative choices, choose a different bank card than those offered by Synchrony Bank.

My accounts Amazon and Care Credit were closed 1/30/2026. I was told by Synchrony I called in to request the closed because the APR was too high. I DID NOT CALLED OR TALK TO ANYONE ASKING FOR ACCOUNT TO BE CLOSED. I asked for an investigation to see if they had a breach in security or some pissed off employee ** with me. Both accounts have been reopen without an explanation of why they were closed by an outside force. I've written the CEO about the incompetency at the bank and ask for another layer of ID verification so this won't happen again. Consumers beware. This can happen to you. A breach in security. Anyone can call pretending to be you and have your accounts closed. I've asked for another layer of ID verification moving forward- nothing-Keep an eye on your accounts!!!!

Have had a credit card with Synchrony Bank for two years, started with a credit line of $1800, by making a purchase at Dicks Sporting Goods. Because I travel and I place expenses on my credit card and pay most if not all off within two months. About 7 months ago I had a balance of $920, from a prior month travel. For no reason at all my credit limit was dropped to $920. Needless to say I was not pleased and decided that this was a credit card that I could no longer depend on for use - for the record I ran about 6k through this card paying off over a month or two each time never hitting the limit and never late. Again no I could not depend on the card I used only for a monthly subscription of $9.75 a month.

Because I had a tad credit problem which I just about got fixed. Synchrony decided to lower my credit amount on my cards thru them intern lowering my credit score more. They do not care about there customers that have been with them for a while and have never had a problem. They were always paid. They are perks a mafia style run fiancé bank. That's all they are. They need to be shut down and put out of business.

At Synchrony Bank My cell is the only one on my profile, yet the Multifactor Security Code goes to my WIFE'S cell. Her cell is nowhere listed on the account. Rep said they can't fix it because "it's done by a third party." What if they sent it to someone I don't know? Major security problem! Goodbye Synchrony Bank!

SYNCHRONY BANK should be investigated for predatory practices and customer service making and breaking commitments. If you pay your zero rate loan off early (in 4 monthly payments for 6 month promotion.), you can expect something to go wrong with the last payment and an overdue notice. I contacted them as soon as they notified my by email that something was wrong. I check my bank to make sure the payment completed and my early payment was returned. Customer Rep. was so understanding, took my final payment and said the late fee would be waived due to my 812 EquiFax credit score and mistakes happen. Four calls over the next 3 months and talking to management; "SORRY, SUCKER!!" Now my credit score is in the 500s ONLY BECAUSE of SB! Synchrony Bank will NOT give away use of their money for NOTHING. And they will trash a fixed SS income retiree's credit until they get their trickle of blood.

BEWARE! SCAMMER INSIDE. Call to cancel Amazon Prime store card. The employee I talked to told me that the account was already canceled, but that a business account in my name had been open fraudulently. He gave me a number to call, which turned out to be the scammer. He is directing customers to who he says will help you with this. The guy I reached said he was with the federal government cyber security anti fraud department. He had me call him back on his personal number. He is the scammer on the outside, getting fed people to scam from the Synchrony Bank employee.

I have two accounts with Synchrony. Both first payments got rejected. I have screenshots of all transactions, but they blame me for the rejection and do nothing to help. Their suggestion was to go to the store to make an in-person payment! I have a great credit rating - over 800 - and no problems whatsoever paying online with vendors and banks. I'll probably cancel the convenience of these cards. Sorry, TJ MAXX and JCPENNEY.

You don’t even deserve one star. I hate this bank. Hard to get to talk to a real person. They take money out of my checking account & I have never had auto-pay. I call in every month and make $100 payment but they took $33.49 out of my checking account the same day I called in & made the $100 payment.

I had the worst experience ever with Synchrony Bank and Living spaces. They lured me to buy furniture and made the payment look very smooth as monthly installments at 150$ a month. Then they charged me 4300$ which is the full amount, the first month they left me without any money. I don’t appreciate their lie.

Absolutely terrible experience. I didn't know how they stay in business. I just opened a credit card and went to use our with the advertised promotion. They declined my payment - actually only last of my payment so no promotion was applied. What a ** racket. When I called to unlock the card, they couldn't tell me why my transaction was declined but that they put a hold on the card because there were multiple declined transactions. YOU are the bank who is declining the transactions and you can't tell me why. Just that I should now call the store to figure out this mess? Of course when I asked to speak to a supervisor, I was just put on hold for an hour. What a bunch of useless dummies.

Synchrony Bank - especially the supervisors but even the front line seem more knowledgeable & helpful. Supervisor Diana is amazing and I had service recently that brought me to tears. The compassion in this man was unmatched. Phillip out of India, interaction was September 26. His amazing service has sustained me…I’ll admit, calling PayPal credit and actually getting past that automated system is a challenge and I often give up. Luckily I don’t need to call often. But when I do get through, there are some caring people on the other side.

I am writing this review to share my deeply disappointing experience with Synchrony Bank regarding a billing dispute for a $6,000 transaction with EVO Gadgets in Las Vegas, NV. The products I received did not match the items listed on my receipt. I was also led to sign paperwork that was presented to me as an acknowledgment of receiving a complimentary item—only to find out later that it was treated as a purchase. I immediately disputed the charge with Synchrony Bank and provided all the supporting information.

I will never use Synchrony ever again. I have been trying for 7 wks now to transfer my IRA money. It has been a maddening experience. Nobody takes any accountability. Forms get lost, they use snail mail and the other bank states the forms have never been received. Then repeat the process AGAIN, with no resolution. I have even spoken to supervisors and still cannot get this done. At the time, I was trying to move my money to a high rate CD at another institution, which no longer exists now, I can't find anything close to that rate now. I am at my wits' end. I do not know what else to do to get this done.

Synchrony Bank offers a slightly higher rate of interest than most brick and mortar community banks. But they drop the ball completely when negotiating a funds transfer. I had the displeasure of attempting this with this institution. On Nov, 3, 2025 I engaged in a three-way telephonic communication with them and requested one of my accounts be closed and the monies to be transferred to a different investment account. It is now Dec 9, and the big online bank that has no brick and mortar, who wants all of your information in cyberspace, executes a transaction via snail mail that they maintain was mailed via check on Nov. 26, 2025. This is unacceptable by ANY standard. I will be reporting this to the Insurance and Banking Commission and I will be closing my other account at Synchrony upon maturation.

I am writing this in tears and out of total desperation. I’ve always been proud of my credit score and I pay my bills on time, every time. But I just fell into a "deferred interest" trap with Synchrony Bank that has completely devastated me. I bought a mattress at Mattress Firm in 2022 for about $1,800. The sales pitch was simple: "Interest-free for 24 months." I signed up, and for two years, I paid the bill they sent me every single month. I never missed a payment. I thought I was doing everything right.

I would not recommend this bank to anyone. I was late with payment because I was out of town. When I called the the representative said they will remove all late fees but that did not happen. To my surprise I got a delinquent notice and my credit rating dropped 75 point over a $ 9.00 late fee.

Purchased a product from a local vendor and they offered 0 percent financing. I was informed at the point of sale it was for 3 years. My monthly payments reflected the period so that the product would be paid off at the end of 3 years. Over the last year, I’ve encountered family health issues and provided care for them with most recently losing two family members in the last 60 days. With that being said, I did not pay attention to the fact that synchrony was charging me interest rates because the promotional program was only for 12 months. They charged me $3700 and interest.

Mattress Firm mattress is fine and base is okay but it’s Syncrony Bank, who they use for their 12 months “free interest” plans. I called Synchrony Bank and made payments of 399 to pay off mattress EARLY, 7 months early. I was charged late fees because I made lump sums without payments that were not within Synchrony’s window. I reported Synchrony Bank to the Better Business Bureau. Went online and saw hundreds of complaints against synchrony Bank in their reviews for this practice. You’ve been warned. I wish someone had warned me.

Synchrony Credit Card customer service is the worst. They took out 2 payments of over 2,000.00 which means they owe me over 2.000.00 back because I paid it off. It has already cleared my bank twice but they can't give me a refund for 7 days and they WILL NOT SEND IT BACK TO ME OVERNIGHT! I am retired 70 year old woman. They won't even give me a copy of the recording of their employees telling me the 2nd payment WILL NOT BE TAKEN OUT.

This large bank are absolute thieves! They refused to remove $1.99 paper fee that they are sending claiming acct wasn't registered. The link provided said otherwise. They have never missed a payment, and are receiving three times the minimum payment. This super size bank CAN'T WAIVE A $1.99 -IT'S THEIR MISTAKE!

Terrible bank, is a monopoly for customer or stores' credit cards, they reduce the credit line or close the account without real and true justification, they don't care if the customers have good credit, very bad business practices, if use the card they close the account because is a "risk" or if don't use it, too, is ridiculous, is the worst bank in United States.

Worst customer service ever!!!! Issues with processing payments. Unfair late fees! Combative customer service staff. People with heavy accents should speak slowly so I can make out the words!!!! Imagine instead receiving customer service you receive a long winded, condescending, combative individual. I'm considering transferring my funds to another bank at no charge!

When you pay all your bills on time and more than the minimum due and never late, they lower your line of credit, that is being punished for doing what you are supposed to be doing. That is pure bullshit. I would never recommend this pure trash company to anyone.

Terrible customer service. I have had a PayPal credit card for a few years now and never been late. I have always paid it before the due date. I decided to pay it off so I would have something to use for a vacation coming up and as soon as I did, they cut my credit limit to $100. Really??? Is that how you treat good customers. Unbelievable!!!! Never again Synchrony Bank.

Be aware of problems with Rooms-to-Go Synchrony Bank cards. They offered me a 60 month interest free card/account. The card was being reported like a credit card and the limit was reduced as I paid the card down, showing that it was alway maxed out. After paying on time for 12 months they closed my account for inactivity even though I had been on auto-pay and have never missed a payment. My credit score took a hit due to no fault of my our. Both Rooms-to-go and Synchrony Bank said I did nothing wrong but could not fix the problem. I have filed a dispute with the Transunion. Unfair...next call to TN Consumer Affairs Dept.

I made a final payment on June 10, 2025, to completely pay off and close my CareCredit account with Synchrony Bank, the representative confirmed my account would be paid in full and closed. Weeks later, I received a new charge of $156.74. When I called for clarification, a representative named Sandra was rude and dismissive, telling me that interest would continue even after the account was closed — which makes absolutely no sense and contradicts what I was told when I made my final payment.