Synchrony Financial Reviews

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.

I have several Synchrony credit cards and, up until now, my experience has been positive. I have been a loyal customer since 2012 with an excellent payment history. Recently, I experienced a medical hardship due to being hospitalized and then involved in a car accident. Because my funds were stretched thin, I called Synchrony to request permission to skip my April 2026 payment. The representative I spoke with told me the skip‑payment request was approved. However, the representative did not sound confident, so I proactively called back multiple times to confirm. Each time I reached another representative, I was told the skip‑payment request was not approved. If I had not triple‑checked, I would have been charged a late fee and reported to the credit bureaus for a late payment—despite being told I was approved to skip the payment.

I've had the Synchrony car care card for some time. I used it to repair my car at Meineke in Williamsburg Virginia, they're snakes too but that's another story. After repairing my car and spending thousands of dollars to do so I became very ill and any event I was unable to get up and walk around so I was unable to use the card so I paid it off completely which is a very large amount of money. They waited until after I paid the card off and closed out my account which messed my credit up. If I was to give anyone advice I would advise them not to use this card, not to apply for this card. They have no business closing out people's account due the lack of use on a credit card. They want you to spin up your money, they don't care if you have it or you don't have it, snakes.

I’ve had an extremely frustrating experience with Synchrony Bank, and I would not recommend them to anyone. I’ve consistently paid my balance on time every single month and even paid the account in full. Despite responsible usage and maintaining a solid credit score, my credit line was suddenly slashed down to $100 with no meaningful explanation. That kind of drastic reduction is completely unreasonable given my payment history and credit profile.

On my eBay account, the auto pay failed. Called before due date and made a payment over the phone, she verified it was paid. I then had her set up auto pay and had her verify, she verified, auto pay failed, they informed me my account was closed because of three failed payment attempts. I called, explained and referred to the record, they said no, nothing can be done, my credit was hit hard. Second card with Amazon store card years later. My credit is solid, clean, no missed payments.

I need to say something about my experience with Pep Boys and Synchrony Bank. I trusted Pep Boys to put tires on my vehicle, and the job was done incorrectly. Because of that, my family and I were put in a very dangerous situation that could have ended much worse. No one should have to worry about their safety after paying a company for a basic service like installing tires.

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 paid Off my balance in January, 2026 which left a credit of 80.00. Instead of sending me a refund they added a interest charge of 18 dollars which dropped my credit to 69.00. Called on my February statement and they told me it was for December. I paid in full in January. I spoke to rep and did not agree it was from December. Asked to speak to Supervisor and he was very rude. Would not give me his name and hung up on me. I paid off because of high interest charges and they are still charging me interest. Avoid this company!!!!

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?

Absolutely horrible. I have 6 Synchrony accounts or should I say HAD 6 accounts. I have always paid on time and kept my balances below credit limit but today I go in to look at them and all of the accounts have been closed. No notice, no letter explaining why..just closed. I will stay way from Synchrony in the future and tell everyone I know what a horrible bank they are!

Rude arrogant. Should be laws against payments held for 11 business days. Payments cleared my account overnight. They need to be investigated for this. This is definitely harsh treatment of consumers.

They closed all my cards with them no warning, under 10 percent utilization, never late, 700 plus credit score... No reason for this.... around 48 thousand dollars in cards gone... Paid in full rarely carried a balance ... Luckily did not tank me but if I had balances on those cards could have been bad ... Will never do business with any backed card by them moving forward.

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.