Synchrony Financial Reviews

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.

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!

No paying interest for past 4 months in my Money Market regular IRA account, they say escalate this issue to the back office. Will not inform the customer about this. Not sure how many customer is or had the interest non-paid.

BEWARE!! If you have a Lowe's credit card, they will terminate it if your credit score drops a few points. They will NOT even send you a letter or email, nor they care about your outstanding payment history/purchases. They simply don't care about you, the consumer. I will never set foot at Lowe's as long as this bank runs their credit department. I have bought appliances on Lowe's credit, and paid them off in reasonable time. This doesn't matter to Synchrony Financial.

I set up a loan through them for my Lasik because it was 0% interest for 12 months. I did not know it was going to be a ridiculous process to set up automatic payments, then whenever you call their customer service they answer, mute themselves, and then hang up on you. Absolutely ridiculous customer service. RUN from this company, they are looking for any way to take your money.

I have a complaint with Mattress Firm and their finance company, Synchrony Bank. I am a veteran using 0 interest promotions for many decades. I have NEVER had to pay penalties or extra fees. I am also aware that merchants work with their bank to establish terms and policies that the consumer may not be aware of. This is the case with these two companies. Shouldn’t I be able to determine the payment due by using the entire purchase price by the number of months of the promotion. EXACTLY!! It’s 5th grade math, but not so fast with these people. The due date is every 30 days so it’s a moving target.

I spent the last year and a half building my credit. It's virtually impeccable, considering it's only just over a year old. Nothing is late, and I have nine different events in my monthly life. Synchrony Bank did me a dirty deed. They gave me $1,300 plus for credit to fix my teeth, my dental. And now that I've got it paid down to $900 without missing a beat or being late once, perfect. I even pay $50 instead of $30. They've just screwed my credit by for some reason they knocked my available credit limit down to $1000 instead of the $1350 it was. That makes my credit to ratio to availability at 98%, so I'm maxed out.

Don't take the bait to get an Amazon credit card. Resolving my account has been one of the worst experiences of my life. Called to pay off my account, thought it was zeroed out and card closed. Then I get a late fee months later. Was told nothing could be done, the charge was valid because interest can accrue before you paid it off but not show up later. What kind of world can you call for a balance, be assured it would pay off the account, and get an interest fee that shows up after you paid the full amount due?

I have 4 credit cards by Synchrony, a Harbor Freight card, a Lowe’s card and Ashley furniture card and most recently a CareCredit card. I haven’t had the Care Credit card for 6 months, and just the other day unbeknownst to me, I find my credit limit was significantly lowered to just above my card balance, ironically. It lowered from a 2200.00 limit down to 1550.00! The email reason given was that a soft pull was done and I had other credit cards that have high balances. Not one of any of my accounts are ever late, always make payments on time and more than the minimum amount due is paid. I was active with this card and needed to use it within a week for a purchase, so I called CareCredit and asked them to return the account to where it was at before they lowered my limit.

This is the worst bank I ever had the misfortune to deal with. Their phone app is terrible and only made worse by their non-US based call center. Walmart really picked a loser. I am switching grocery stores.

I had a 8 tho limit, owed less than 3 tho. They cut my limit to 3 thousand, which maxed the card and lowered my card, had another one that had a 1400.00 limit and had a 100.00 balance. They lowered it to 120.00 limit. Both of these lowered my credit score causing other credit cards to do the same. They have destroyed my credit from above 700 to below 550. I am so angry, they should be held accountable. I was NEVER late. All bills were paid through auto pay through their system. They are horrible. If I could give them a -0 I would.

They change their log in system every few months to try and play gotcha with late payments. I just spent 3 hours on the phone with them trying to remedy the situation with some woman who barely spoke English, and she kept insisting it was all my fault. Stay away. FAR away.

This company is a joke. I got talked into doing a rebate with them if I signed up for their CC. I signed up and have been waiting 3 weeks for the card. I actually received an invoice before I even got my card. I can't sign up online without the card. I tried calling customer service, every time it says a 30 minute wait. Finally when I got someone they said I need to wait for my card. As soon as I get my CC, going to pay balance and happily chop that card up to never be used again. Avoid Synchrony Bank at all costs!

Horrible!! Their payment processing or a major issue in the timeline for it to post. It almost seems to be on purpose, these people close my account when their payments are taking too long to post, and then it’s rejected. They closed my account.

I have a Sam’s Mastercard via Synchrony Bank. I’ve had the card for years and it has a zero balance and is valid until 2030. I attempted a purchase which was DECLINED! What the… I called the Synchrony Customer Service number to complain and was told that they deactivated my card because they need to verify my address. You’ve got to be kidding, I’ve lived at the same address for more than 20 years and all of my Synchrony statements are electronic! Synchrony Bank Sam’s Credit Card is **! Don’t waste your time - deal with a creditor who values you as a dedicated customer.

Worst Customer Service Experience in my life. Went to use my newly issued card, got "flagged" for "Fraudulent Use", had to "verify" my identity. Giving the last 4 of my social and phone numbers associated with the account weren't "good enough", had to submit a "selfie video" of myself plus photos of the front and back of my driver's license - then wait to get a "code" sent to my phone - then call back customer service with that code and jump through even more hoops. I was told that the original reason the card was "declined" was to "protect me from myself". WOW. Ended up making the purchase with another credit card that didn't ask me to prove my identity over and over again. NEVER AGAIN.

I have been a Lowe's credit card holder for around 20 years. Never been late or missed a payment. Have done about $20000 in business. One day Synchrony canceled my card saying I was a credit risk. I have an A+ rating and had a score over 800 (till this). No good reason, just got booted. Follow up letter said they can do anything at any time. Only reason I can see is that last 10 years only paid out about $100 in interest fees. Wanted to see how bad a risk I was, went to Home Depot and opened an $8000 line of credit same day. So now they get all of my business.

I have been trying to resolve an issue with Synchrony Bank for over a year. I finally received a letter where the case is closed. They had communication with me and now case is CLOSED. I bought a defective phone on eBay. Many attempts were made to get the dispute resolved, to no avail. They provided paperwork to me about the transaction etc. BUT... NOTHING where I tried to resolve the matter with the seller. They stated the seller sent me a return shipping label. I wonder where that was. NEVER did I see such a label. Bottom line STUCK and CHARGED for a phone in the amount of 529.00. WHAT AN INVESTIGATION ON THEIR PART. A senior age 68 and a VETERAN to be put through such an ordeal. THE RICH get RICHER and the POOR GET POORER. What a shame because at other times they always assisted me in matters of disputes. SO MUCH FOR BEING A VALUED CUSTOMER.

I would give them zero stars if able. This is by far the absolute worse credit card company I’ve ever dealt with. They cancelled our cards today (without notice, fraud, or our request) after putting 2 new cards in the mail. So when I went to use the Sam’s Club card today it returned a “Invalid Card” notice to the place of business I was trying to use it in. They tried it 3-times and it returned the same message. When I called Synchrony they could only state that the card was cancelled and new ones were issued. When I asked why, they said it was a periodic card change out.

I took a 12 month no interest loan from Newegg through Synchrony Bank. I made 11 payments via direct payment. When the last payment was due, I contacted Synchrony to have the last payment made (30 days before it was due). They told me to make the payment via their website. But I told them I could not get into my account because Synchrony had made changes to their system and would not allow me into my account. The Synchrony rep told me this was a problem and that many account holder were having the same problem. She told me that she could take my bank account number and routing number and make the last payment for me. I gave her the info and then forgot about it.

Worst credit card company. Because I own my house outright they hold it against me. Closed my account and hit my credit rating. They could do everyone a favor by going out of business. Told companies I had a Synchrony card with l will no longer do business with them because of synchrony.

They are a nasty company. I canceled my account after only having it for ten days because I told them the company I was thinking about window wouldn't let me cancel. Only 5 day of deciding if I want them. As soon as I got the ball I cancelled the account and paid in full. Then one month later I'm getting a bill for interest I had to pay after I cancelled it a month ago. They're nothing but thieves just like the window place.