Synchrony Financial Reviews

I had an Ashley credit card through Synchrony Bank. I always paid about 2 weeks before my payment was due. One month i was 2 days late and they charged me a 30 day late fee. I was so mad. I said I’ve never been late and the representative on the phone just said it’s in the contacts when I asked is this legal. I checked it out and yes they can do it. The only way I got in moved was I hit a number for a waive fee when I went to the automated system. The live person didn't even tell me you can get a one time waived fee. He was just gonna may me pay it. I said well I got one time and I paid the whole account off and immediately got the scissors out and cut that card up. Never get one of those cards. I'm through with them. Save yourself the surprise.

I had financed my washing machine a few years back and it was a promotional deal through ABC warehouse, I made all payments and never had any issues, I also had a care credit for my dental, which also got canceled, but due to my dentist not being able to schedule the appointment because of various problems, it was canceled, which I could understand, but forward to fall 2025 my refrigerator went out and I financed a new one also with a promotional deal of 0% interest until paid off, which I was making every payment as requested, but noticed that my account had some incurred interest a few times, but I didn't understand why?

I was given false information by a Synchrony Bank representative who assured me that no fees would be charged when using my credit card in Canada. I trusted this statement and was later charged $514.45 in fees. What followed was months of complete incompetence. I spoke with countless managers, none of whom could explain or resolve the issue. I had to repeat the same information over and over again. A dispute was opened four times, each time requiring a three-month wait, only to end with the same generic rejection letter stating that my case could not be resolved. This is not a policy issue — it is a professional failure. Employees provide incorrect information, management takes no responsibility, and the customer pays the price. I have lost all trust in Synchrony Bank.

Made payments early for the amount they set up. Days later I checked to see if my account was closed only to find out they changed a payment of .59 cents. I know it’s not much but if I had not checked I feel that they would start charging interest. They could not explain only made me feel that I was not paying the full amount each month.

I am a consumer with a high FICO score. I work with some of the best-known banking institutions. I signed up with One-Pay at Walmart a month ago. This credit is through Synchrony Financial. I have called over 8 times and spoken to multiple personnel. But Synchrony Financial still has not sent a monthly statement to my address. Although they have sent me emails saying they did. Plus, I did not get a usable product online, and they haven't investigated it. HR Block Business tax software gave an unusable code, and HR Block customer service said the code was unusable. The customer representative/agents do not know how to assist customers. Poor decision to go with Synchrony Financial.

I got a bed through this bank! I’m warning you - don’t do it. I have paid on time more than I should pay on the payment. I get a notice they are dropping my credit line from 2400.00 to 250.00. Is this some kind of joke? I paid all that money to show nothing gone! I have decided to close all my accounts with this bank. I think they are focused on ruining people's credit. Glad my bed is off and I can close this account and never look back. This bank should be ashamed of themselves after reading the reviews.

Absolutely awful. My wife and I have used them to help finance our furniture through Furniture Land South in North Carolina. We only decided to work with them because their was a promotion for interest free financing for the first 6 months of payments. We gradually paid things off over the time of the promotional period. At the time of the last month of the promotion where things would have been paid in full ,we had an interest charge that was MORE THAN DOUBLE the remaining amount on the bill ($628). I conversed with someone in their department who was able to remove the interest charge after I paid the remaining amount...HOWEVER...they did not remove the interest charge in time so I received a LATE FEE of $28..

I paid my account in full back in October of 2025, Synchrony Bank was still charging interest on a zero account balance, reported it to my credit, caused my credit score to drop, then after I called to discuss the problem the manager stated there was nothing that could or would be done to fix the problem. Never again will do I business with the company.

Worst credit card company. Avoid this bank and go for some other bank for better. Terrible card and customer service. Would not recommend them. They deserve 0 rating. Just stay away from them for better.

If I could leave a lower score I would. Be aware. DO NOT do business with SYNCHRONY BANK. They lower spending limits on cards, close accounts for no good reason even for loyal customers who pay on time and have been with them for years. Doing this they now have hurt my credit score which I'm pissed about being that I have NEVER once missed a payment. I learned my lesson and I WILL NEVER AGAIN DO BUSINESS WITH THEM. I hope this review reaches a lot of people and I can help them from making a BIG MISTAKE!