Synchrony Financial Reviews

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.