Synchrony Financial Reviews

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.

I got this card when I applied for special financing to buy a new couch at La-Z-Boy on Labor Day, since they always have special holiday deals. I made all my monthly payments and paid it off, but then about a year or so later they randomly close my account for inactivity, without any warning (nothing in the mail or email or anything). I only found out when Credit Karma emailed me to notify me the account had been closed, so I called Synchrony Bank (who manages the card) to see if they would reopen it but they said I would have to reapply. Seems like shady business practices to me, since closed accounts can have a big impact on credit scores. But I guess if you need new furniture in a pinch it may still be helpful, just be aware you need to keep buying stuff at La-Z-Boy to keep it open if you don’t want them to close it for inactivity.

Terrible experience, I sent 406.00 to my PayPal account and have been in review status for 2 months, I loss my home due to not being able to access my funds, I begged cried and gave up on this account which I depended on due to the fact my ssi/sad survivor benefits went through here since my wife passing. They manipulate customers and never have an answer for anything when it comes to being in review status! Run if you can. They are terrible!

ABT Appliances has Synchrony for financing, and a customer of ABT for 30+ years using this combo for our properties. Now Synchrony is charging for paper statement and unable to login to pay. Closed acct.

Worst company EVER. I wish Sam's Club would stop using them to manage our credit line. Customer service does not help at all. They do not sent statements on time. They will not send a new statement. They are the worst company ever!

I do not recommend using this bank. I once took a loan for car wheels and had a terrible experience. I was supposed to make fixed monthly payments, but due to the bank’s error, they first charged the regular payment and later withdrew the entire loan amount at once. When I contacted customer service, they were completely unhelpful and refused to admit their mistake. It makes no sense to use their services — if I wanted to pay the full amount upfront, I wouldn’t have applied for a credit plan in the first place.

The most incompetent people on the planet. Customer care is all offshore and apparently this created a communication issue that screwed up my whole account. Now I’m waiting for over 500 in checks from Synchrony for refunds I did not want. They were credits to the bill in anticipation of an incoming charge. Do not use this bank or you’ll have to deal with Larry, Moe and Curly with Filipino accents and useless supervisors.

These people are backwards. I had a brakes plus card with $1,000 limit. Never missed a payment and they decreased my limit to $700. I paid it off and they closed it. Their reasons were generic and contradicting. They claim that my credit balances are too high. Then why did you just issue me another card with a 1,000 balance? Oh wait…I paid off my balance before the deferred APR period so you didn’t make money off me…gotcha. So now you cause my credit score to lower because you closed the account without good reason….just to be **.

I used Sam's Club credit card in March 2025 pay for my airlines ticket but they declined me and asked me very very rude to get a code which I have never heard before by taking my face and my ID card but it failed doesn't work, I tried about 20 times it doesn't work. Then I called them again but the fraud dept. said they still needed to have a code but I don't know how to get it. They said if I don't have it then they declined not to pay for my airline ticket, for 2-3days past. After 3 days then I decided to buy the ticket with different card and I got it within 10 minutes. The next day after I received different airline, different credit card, different flights, I was so released. Then my nightmare started the next day they sent me an email they paid for my ticket after 5 days passed.

I purchased carpet from Lowe’s and opened a Lowe’s Credit Card, which is issued by Synchrony Financial. About a week later, I was shocked to see a $89.6 charge labeled “Payment Security” — a service I never authorized or agreed to. This kind of charge feels deceptive and completely unacceptable. I expected transparency when opening a store credit card, not hidden add-ons or unauthorized fees.

Customer service for Amazon Store Card affiliated with Synchrony Bank, needs to be reviewed by the credit bureau and consumer affairs. I called customer service about two days ago to update my phone number on my account, they made me go through a hard time, the call says is monitored and recorded, they make you go through a Identity verification process that is a pain in the neck all for nothing because I did everything they asked and I updated my phone number to find out two days later they had put another phone number I do not know on my account.

Truly awful. Signing in to pay your bill is a nightmare. I paid off my bill just now and cancelled the card. Stay far away from this company. I got my card through Discount Tire and it's been a pain to make payments every time. Stay well away.

If I could leave this company NEGATIVE 5 STARS I would! That would still be generous. JUST SEARCH ON GOOGLE SYNCHRONY BANK REVIEWS! What AI says is 100 true in every way! They are predatory, deceitful, unfair, not honest, and the opposite of customer oriented. They provide the cards for a lot of stores such as CARE CREDIT and Amazon. I had an account with both. On my CC card I had a $7000.00 credit line. And a $1000.00 limit with Amazon. They closed the Amazon card without cause and without notice. They reported false information to the credit bureaus and they refuse to change any information. As for the CareCredit card they have now lowered my credit line down to $370. Without Notice and without Cause. They have lowered the line several times. My score is above 600. It is good enough to get a mortgage yet not good enough for Synchrony I guess. DO NOT DO BUSINESS WITH THIS DEN OF THIEVES!

I had 10 accounts with Synchrony up till a few days ago. I realized they closed all my accounts, nothing delinquent, no late payments, called them and said my accounts were at risk of default according to the credit bureau. Contacted them and couldn't find anything had changed on my report. Had 1 account over 20 years, most over 10. Have lost over 500 dollars in points, my credit score is going to be tanked. They don't care that they are hurting middle class people just trying to do the right thing.

Synchrony Financial is a big rip off and I intend to do all in my powers to let the public be aware of their predatory practices. I have an account with them. Last year 2024 I open the account with a balance of just $1100. And by this year March 2025 I was hit with an additional fee of over $400. Plus my payment is about $30 monthly and on top of that they are charging me $25 in interest every month so there is no way I will be able to pay them off.. This Is outright robbery and I intend to report this and to do all my best to make as much people be aware of them. I will do whatever it takes to expose what they did to me and I am sure they are doing it to countless others.. PLEASE AVOID SYNCHRONY/CARECREDIT.

Had 4 accounts. Never late, only used small amounts of credit lines. I recently was doing a remodeling project and spent $600 out of my $3000 limit on my Lowes account, I check my credit frequently and nothing had changed, my score was consistent and my usage was under 12%. They closed all of my accounts as HIGH RISK. When I called I got no reason as to why they would consider me high risk. I hurried up and paid everything off. They will never get another penny from me. You would think with all these negative reviews the companies would rethink who handles their financing. Lowe's/PayPal/Venmo/Sam's Club, take notice and do better for your customers!!!

The customer service is a nightmare come to life, they do what they want and only what they want. I got them through Amazon and I have fully refunded the item and they still want me to pay for the entire loan, the customer service agent was rude, and that was on chat not a call, I went through 5 different people and still they do not know why this is happening, and they won't try to help resolve the issue. They are horrible at best.

The worst financial institution I have ever done business with; if "zero" was offered as a rating choice they would receive it. Their security is horrible towards protection from hackers; I went through 4 MasterCards in a year and a half and finally chose to have none. Their billing statements do not arrive in my emails like they said they would but they refuse to remove late fees. Businesses should refuse to use them for the business's monthly billings. They are horrible in every way possible.

I purchased a Bowflex back in 2023. It was a promotional thing (Yeah, right), that was no interest for so many months, and option to pay off early. I paid the bill in its entirety, but that hasn't stopped Synchrony from demanding that it is paid for that original 18-month period. Before Bowflex filed for bankruptcy, this bill was paid. That's not how Synchrony sees it. Because that payment was during the fog of bankruptcy, they didn't credit the acct in time. This is deceptive practice and predatory. Synchrony didn't credit the acct during the bankruptcy shuffle, and they're sticking me with another $1000 bill that I'd already paid-off. This company will go ahead and add all the interest, then charge you interest on that interest. Not even a joke. I urge anyone who wishes to do business with this company to stay far away from them!

Synchrony is a scam. Apparently the box for the payment protection is pre checked when applying. I recently cancelled it but they billed me again for it. Then every time I make a bigger payment than what is due, they lower my credit limit. This keeps the usage on my card higher reflecting worse towards my credit score. It’d be a different story if I wasn’t paying my bill every month but to penalized for making my payment. Synchrony is a joke and a horrible company to deal with.

RUNNNNNN DON'T SIGN UP FOR ANY CARDS FROM THIS COMPANY!! This is the worst company EVER!!!! I've had a Walgreens store only card since December 2024 and it's now September 2025 and they've decreased my limit out of nowhere. I had an $800 limit that I've never used more than $200. I only got the card in case I need it for prescriptions. I've used it for misc. household items to try and use it sometimes. I tried making an order for delivery and they've now all of a sudden taken the limit down to $140...wtf can I do with $140 credit card, hilarious!!! I owe $131 and have never been late, I even pay early. I will be paying this off and cancelling the card. I will take the hit on my credit to get away from these people. When you call customer service they can't really tell you nothing and are foreigners as usual.

I missed 1 month. I called and made a payment arrangement for $300 the following month. My normal payment was $167. Customer service said $300 was what would be taken out and I could pay the remaining $34 balance the month after. SUPRISE my account was hit for $334. When I called, I was told that the system would automatically take the total owed. I asked what the point was for payment arrangements if their company did not honor them. That I was actually trying to pay my bills. How could they take an amount high than what was authorized when I spoke to their employee? He just said the system will do it automatically no matter what so... Beware!

New customer, unfortunately! The company is one of the most incompetent companies I have ever encountered. They are so busy trying to intrusively obtain more unnecessary information from you, in particular, facial videos. It's for dubious purposes, such as selling your full profile to anyone in this day and age of identity theft and deep fake videos. Word on the street is that they're deeply unscrupulous. My advice, if possible, is to please do business elsewhere for your own sake.

I have been having trouble logging on to make payments. It has been saying technical difficulties, try again later. Several months this has been going on. Even gives me another option to pay but when I type in that information it says the same thing about technical difficulties. So I call to make a payment over the phone. They tell me I have a late fee and they cannot remove it even though there are troubles with their website. Then she puts me on hold for about 15 minutes because SHE'S HAVING TROUBLE WORKING HER SYSTEM! What? But they cannot remove my late fee? I think this is a strategy on their part to get late fees.

They did the same to me that others have stated on here. I got a notice from Experian that a credit limit had gone down on one of my cards. But since I have 100% on-time payments with my creditors, I was confused. They randomly dropped my credit limit, saying that my credit score when down, but yet they made it go down further by doing that. So the reason I applied for the Care Credit in the first place, I couldn't finish my dental work as planned. Thank goodness I checked the card before I was embarrassed at the dental office! I can hardly wait to pay them off and cancel my card! I will never do business with them again. Never!!

THINK YOU ARE GETTING A DEAL-THINK AGAIN!!!! Recently opened a TJ Maxx card -ALERT!!!! 33% interest and if you are 1 day over your due date expect at least a $40.00 charge-NO GRACE PERIOD. Just cancelled - BE VERY CAREFUL.

I was a Synchrony card holder. I use my card with high interest to pay for car services with Mavis. I get a bill, make payments, and then my final bill I pay it off. Synchrony bank is notorious for charging interest and billing you at the end and sending to collections. Each time this has happened my balance was anywhere from a dollar to two dollars. After calling customer service several times and complaining and having to pay the balance, even though they told me the card was paid in full I have decided to close the account. If they are going to charge me 1-2 dollars after I pay the ending balance, they should have that stated or add it to the bill. They are thieves and their interest rates are astronomical! It was good for an emergency purchase at an auto shop but that’s it! Avoid them because they will try and destroy your credit for 2 dollars! No wonder they have several class action lawsuits suits!

If I want to make extra payments for my credit card account I have to wait until after the automatic system processes my payment first. Any extra payments before the due date goes toward the automatic payment I have set up. So I have a window of 8 days only to make an extra payment they say due to AI. This is extremely frustrating to say the least. Like people have time on their hands to make a payment according to a Computer driven AI. And they charge a fee for monthly paper statements too. I cannot wait to pay this debt off so I can get rid of SYNCHRONY BANK. I would give this a -0 rating.

The most shadiest company ever! I don’t know how they are still in business. Oh I guess from all the money they’ve made off of scamming their customers. Closed my acct. I kept my account in very good standing making more than double my payments every month. Never late nor behind. Then when I called to ask why was my acct closed. They tell me because of delinquent acts on my credit history. Which is total bs! I’ve paid this acct down from $5000-700. Paid off an add on to the account of $2000 in full. So I know they are scamming. There are many credit card companies and banks that would love to have me as a customer, because I pay my bills! The only reason why they closed it because I did so good with my pymts and they are unable to charge me their high interest charges.

I encourage any and everyone that has a Synchrony Credit Card or with their partners like Harbor Freight, Care Credit, Discount Tire....etc. Please go online and cancel all your accounts with them. They have all the control because we as consumers have given them the power. They have partnership with several companies that we hold credit cards with as consumers. They will cancel your account without notice for any reason they feel deem fit to do. If you have not used your card for a long time, they will close it for inactivity or they will lower your credit limit with both will affect your credit in a negative way which they know. So to everyone that is reading this please go cancel your accounts and take back your power.

This company forced me to pay for a protection plan for lawn equipment that I returned, and then charged me a $25 late fee because I disputed the charges, which they denied.. So I ended up paying for a protection plan that I will never be able to use.

Absolutely horrible! I have paid my bills with them religiously, never missed a payment and paid WAY above the minimum.. Often, I pay them twice a month! In july alone I pad $880 and for August, I paid $587 towards reducing my balance. I got my balance reduced by $1121 and they reduced my available by $1000!! Bringing my usage up to 90%!!! I am OH so irritated!! I have never given them ANY reason to reduce my available credit!

This credit card isn't worth it, make monthly payments and they Still add interest every month. Can't wait to pay this card off and don't use it again.. Don't waste your credit. Go somewhere else. Unless you can afford to double your payments every month. Adding more interest doesn't help pay the card off.

I can’t believe all these negative reviews for canceling cards with absolutely no good reason, causing negative effects on our credit scores! We have had our Lowe’s card for years, always paid more than due, never late. First they lowered the limit to $600 from $1000 (when we owed $580), and we didn’t even find out until making a purchase at the store! Then after the next payment… which we overpaid…. they shut it off! This bank needs investigating, they’re playing with people's lives. It’s not a major deal for us, but some people make their living in this trade & depend on their credit. Lowering people’s credit scores without validation should fall negatively on the company.

My credit limit was $3800 on my PayPal credit card, owned by Synchrony Bank. Once my balance started giving too high, I made a lump sum payment to drop it to about $1400 to help my credit score. I had never missed a payment on this card. After I did that, they dropped my limit to $1500 for no good reason, and now my credit score shows I am about maxing out the card again. When I called to ask about it, the person couldn't give me an honest reason for why it happened. Don't use Synchrony Bank / PayPal credit cards.

Had credit cards with them for years. No late payment. Always paid more than minimum payment due and one day close 3 accounts without notice. Just drop credit score badly and never missed a payment on any account. This is bad business. Never again.

This company is a complete scam. I had a ZERO balance on my card, never missed a payment, and was never behind. Out of nowhere, they dropped my credit limit from $1000 to $250 for no reason at all. Then they sent me a useless letter, like that was supposed to make sense. This is shady, con-artist behavior. They clearly don’t care about their customers. I will never recommend this company to anyone—beware before you waste your time with them!

I’ve been with Synchrony Bank for years and always paid what I owed. Even when I fell behind, I communicated and followed through. Most recently, I spoke with a representative and explained I needed more time. I was told my account would be noted. Instead, they reported it as delinquent. Now my credit report shows a mark I’ve never had 1 missed payment reported on anything. One late payment, despite years of loyalty and transparency, and they chose to punish me. This has real consequences. Synchrony showed no compassion, no flexibility, and no regard for the relationship we built. Think twice before trusting them with your credit

Synchrony lowered my credit limit without my knowledge. It was almost paid off. I only owed $33.14. Paid it religiously and then some. I went to get tires today and my card was declined. I called them and was told my limit was decreased to other credit card balances. What does my Visa over here have to do with paying this particular card off? I’m so done with this bank. It’s like you do good and pay your credit card off and how do they reward you??? By lowering your limit. Makes no sense. I’m done.

I had a Pep Boys auto repair credit card. I had no problem with payments, I pay monthly over the amount posted,. The problem was I finished payments a month before next pay will be posted. I called customer service about it to go into their system and stop the auto payments, before that I sent a message on the app system letting them know about the done debt payments. So making a call to verbally seal my message, my call went but no one was picking till the month came and they post me a bill of $7.0. I got mad about this. Send in a message again letting them know I don't owe them a dime and I am not paying the $7.0 which is no money but the reason is this is a scam.

My bank alerted me of a Synchrony transaction that was unauthorized, I initially thought it was a scammer. When I called Synchrony, to my surprise, I learned that my card account was closed due to inactivity. I already declined knowledge of this transaction with my bank. I then get harassing calls and texts from Synchrony and notifications of balance more than 3x what was left after they involuntarily closed my account. I now know that Synchrony credit card (Pandora) are the real scammers! Would not recommend, not even to my enemies.

DO NOT WORK WITH THIS BANK. They intentionally make it impossible to pay them to increase interest profits. After being fed up with that I decided to pay off the loan in full and then they try telling me the wire won't be received the day I sent it and that they will continue to charge me interest until THEIR administrators can process the wire. STAY FAR AWAY FROM THIS COMPANY

I am dissatisfied with how Synchrony is handling my loan repayment. I tried to make an extra payment before the due date, but they wouldn’t accept it. I ended up paying my bill twice in one month, yet it didn’t cover the following month’s payment. Now they’re saying I’m behind because the second payment was processed in last month’s cycle. I’ve been paying this bill for almost two years, and I still feel like I can’t catch up. It’s frustrating to feel like I can’t win. Ms T

I had an eBay Mastercard from Synchrony bank. Unfortunately, I was never able to view my account online, nor was I able to print out my credit card statement. I had to request this from customer service and it would take a while for me to receive it. I contacted customer service but they were of no use. I wrote a letter asking Synchrony to fix this problem or I would close my account. Needless to say they provided no assistance, so I closed my account after over fifteen (15) years. This is a shining example of how much they value their customers. I won't ever go back to them, and I definitely do not recommend them.

Synchrony closed my account because they couldn't pull my credit due to a freeze after I was warned of a data breach! I had a zero balance and had just paid my $33.00 balance for July 2025. They even told me in the letter a reporting agency wasn't available. My credit score was even higher than when I opened the account. This is not how I would think banks treat customers, and I could never recommend them or do business with them again.

Extremely disappointed with this company. They charge outrageous fees and then label it a “late payment” even though I’ve been overpaying on my furniture every single month. This is shady and dishonest business. I will never do business with Rooms To Go or the bank they partner with ever again. Feels like a scam. Be careful.

That star rating should be a negative 5 stars. I've had a Synchrony account through Amazon for years, with no problem. Suddenly, my payments were rejected without explanations, again and again. I would try three times a month to pay large payments (before they were due), and three days later they would come back as "rejected," despite plenty of money in my bank account. I went to my bank (Wells Fargo) and met with a branch manager to fix the problem, assuming it was something on my account. She found something, kinda blamed me (I'm WTF did I do wrong?) and the next payment went through. But then the rejections started again.

What an awful bank. I had a Synchrony card I received as a promotion for my business, after paying my card off one day late to zero, I was assessed late fees of 23.92 3 days later. Since I didn't use the card and knew I paid it off, I didn't check it until I get a notification of a new 30 day late from the credit agencies. Over 23.92, my credit is now 70 points lower. And my previously perfect payment record is ruined. After 10 years in the financial industry i understand that they can technically do this. I also want everyone to know, they do not have to. Any institution is going to profit from reporting these laughable charges to the agencies, far more than the 23.92 I owed them (which frankly should have been paid when I paid my card to zero.) I cannot wrap my mind around this being a positive business practice, and I promise to never work with this institution or its partners ever again.

Do not open up any credit with this company. I’ve been with them for several years and they do not value customers. They steal money and negatively impact credit scores from customers that do everything right. Thieves, liars, and scammers. Not worth saving .10/gallon when they steal from you in the end.

I took advantage of a promotional offer from Lowe’s offering 18 months zero interest. I called Synchrony to find out how much I needed to pay in order to pay off within the terms without penalty. They gave me a number, I set up auto pay for that amount for 18 months and was done. This started in December of 2022. We received no statements or any other communications from Synchrony. Today we received a text saying we owed money. We called and were told that we were charged all the interest and late fees to day one. I will never use synchrony bank again. I will never buy appliances or large purchases from Lowe's again. I just had the quote a new kitchen, but I don’t trust Lowe’s to do it after this experience.

They are terrible with their customer service. You can hardly understand the English. They talk over you when you're trying to explain things. You get so frustrated because they're not listening. They want you to make a payment with penalties when you never have been have access to be able to log into make the payment on time. Then they say in two days we might credit you those penalties. BS.

I have had 2 very bad experiences with Synchrony Bank. The first was when they inexplicably and without warning cut my credit limit with my Google Credit account from $1500 to $100, instantly affecting my credit score, which is the only reason I even knew it had happened, as they did not alert me and never gave me a reasonable explanation for why they did it. I used that account for upgrading my phone, and so I haven't (and refuse to) upgrade my phone again, as Google has chosen to use this horrific company to handle its credit accounts/customers. I NEVER missed a payment, usually paid early, and was a great customer. When I called to ask about it, the person I spoke to was extraordinarily rude, and even told me that it didn't matter if it was upsetting, they could do it anytime they wanted to, and there was "nothing I could do about it".

Was supposed to finance 10k over 36 months no interest. Set up autopay. Get to month 9th and get an alert that a 'promotion' was about to expire. They took half the amount, 5k, and only gave that 12 months with no interest and if not paid subject to 35% over the preceding 12 months. Customer service said they could only change promo terms for 6 months into the promo. Their statements don't make sense, their customer service people are idiots and not empowered to do anything. Feels super predatory on people without means. I'll pay it off but shame on them and the container store (they did a 10k built in). No recourse. #@$*&ing over consumers in this country each and every day.

Synchrony lowers your credit limit even though you have had accounts that were never late. This causes your credit scores to drop them. They use that as an excuse to start closing your accounts causing even further damage to your credit. Once they close my final account with them and I pay them off, I will never do business with them again. What they do should be illegal.

Quite possibly the worst creditor on the planet. I have 8 accounts with them, 8. They're all paid on time including their interest and every other month they'll lower my credit limit one by one so that it looks like I am maxing out my available credit to lenders. Plan to pay them all off, and never, ever do business with them again. I don't abuse my accounts, I'm never late, I pay on or before the due dates and this is how they treat a good customer. I'll spend my hard earned money elsewhere. I'd leave 0 stars if that was an option.

I will never use this company again. They canceled my Sam's Club card and Verizon. I owe nothing on credit cards. I have 103k in credit limits with all cards. Went to use Sam's Club card, got denied. So called them, they said I was a risk. Had them for 3 years always paid off right away. I had a couple of gas cards I quit using so maybe they decided to cut all my credit cards off. I lost points on my credit score.

I received an email saying there would be a change to my account. I spent 30 minutes on the phone a month ago to make sure my auto payment was all set, after being transferred 4 times I was told I was all set. Today I got an email saying my payment was late. Just spent another 30 minutes on the phone transferred FIVE times to finally find out auto payment was not set, now I have to call again in August to make sure it is set. The right hand doesn't know what the left hand is doing with this company! Very Poor! I would not recommend them to anyone!

I made two payments in one month on my Sam’s Club card. I was assured by the clerk that the payment would be applied to the following month. I then get a email stating that they are charging me a $40 late fee, because I did not pay on the due date. After contacting the Corporate Office to file a dispute, I was told that they would try to apply the payment to the following month, but the system would not allow them to. They did waive the so-called late fee when I was never late. I’m going to pay my Sam’s Club card off, and I am done with Synchrony bank and Sam’s Club. They did my sister-in-law the exact same way and they lowered our credit limit for no reason because all payments were made on time never late I would not recommend doing business with any company that uses Synchrony bank. They could care less about their customers.

DO NOT DO BUSINESS WITH THESE PEOPLE! I just found out today that they lowered my car care credit limit down with no notification. The payments were always paid on time so there was no reason. When I called they told me that "we are legally allowed to random run your credit". That's not legal and they are not allowed to do that with your authorization. Every time they randomly run your credit they lower your credit score!

I had an Amazon store card through Synchrony Bank. Someone hacked my account 6 times changing my address and charging thousands of dollars on my card. I kept calling Synchrony changing my address back and still it kept happening. Those hackers also managed to get into my checking account using the fraudulent company name Amazon Corp SYF which is Synchrony Financial. They took $42,835.82 from my bank account over the course of 6 months. My retirement savings.

BEWARE of outrageous activation fee. I was told by the company they had 18 months no interest and only needed it for about 2 weeks...nothing about an enormous activation fee....I was shocked when the activation hit. I tried chatting with them, but they were pretty unapologetic for not having it on the form that there is a $69 activation fee and said it would have been on the receipt from the service company (which it was all done after the fact...and I got it in the mail after the charges went through). I looked in the FAQ before signing up and there was no mention of the activation fee...just the interest. Beware! Wouldn't recommend them for anything.

Don't do business with this company. They go out of their way to hurt paying customers. Disgusting business. Doesn't matter if you pay it on time. They will go out of their way to hurt you. And hang up on you when you call.

Would give them a zero star if I could. They have stupid high interest rates if you keep a balance, which I do not. I was paying my over 2000.00 account in full but accidentally put an extra zero in the account number. The bill was not due for another 2 1/2 weeks. My payment didn't even go anywhere. It was kicked out because of the zero. They then charged me a 30.00 returned check fee. That's not what is was. I paid the bill in full way before the due date minus the 30.00 fee. They refuse to remove it and the BBB didn't do anything either. Just added my refusal to accept their decision. I will never deal with them again.

Imagine paying on time, doing everything right, and then getting punished. That’s Synchrony Bank’s whole business model. They keep dropping my credit limit with no reason or warning, while telling me to feel “lucky” I still have a card. Even better? After I pay, I get to play the fun game of "Where’s my available credit?" because it doesn’t show up for weeks. They blame it on “holds” and “random reviews” — like this is a casino and they’re just pulling levers. If you’re considering opening a card with them, don’t. Unless you like being gaslit and having your credit destroyed by a company that can’t give a straight answer.

Absolutely the worst company I've ever dealt with. Spent half a day dealing with their fraud department to finally get special financing for appliances on my existing Lowe's card. They reversed and cancelled the charge two days before delivery and also cancelled my PayPal credit, even after doubling my Lowe's credit line. I will never use them for anything again.

Started with $4000 credit limit. Purchased item for $2000. Made in on time payments. But with every payment they lower your credit limit. Making it look like you're using 100% of your credit. Will never use Synchrony again.

Updated on 06/18/2025: I closed my account IN FULL last month after dealing with terrible customer service. They charged me hundreds in interest without my knowledge, and now they’ve added another $8.33 this month. I called, and the first agent hung up in my face. I called back, and the next agent told me she couldn’t waive it. I asked for a manager, and got someone named Missy, who also said she couldn’t waive it, and that I had to pay to stop the account from collecting more interest. I told her the account had a $0 balance and I wasn’t paying interest on a CLOSED account/$0 balance. She claimed she’d credit the $8.33—then hung up in my face too. This company’s customer service is **, UNPROFESSIONAL, and disrespectful. I will NEVER use this company again, and I suggest you don’t either. Missy needs to be fired.

The app is inconvenient and the company doesn’t care if they messed something up on their side and will not give your money back on any charges even when it’s not your fault and they have something messed up on their side

They are the worst. I strongly advise others not to bother with this credit company. No matter how bad you want the card. They can frick off. I can't stand them. Poor credit practices. They should be investigated.

Synchrony is trash. Pre-approval for thousands then deny after credit check and collecting biometrics data hits for health care card. Trash company with trash policies that don't allow appeals and don't tell you why. Will be contesting this as fraud on my credit report.

They got my payment, early. They took the payment from my bank account twice. It has been over 60 days I have been spending all of my free time trying to resolve their errors. First, I had to dispute the THREE attempted charges to my account for ONE payment. For the last two months, Synchrony has been illegally demanding that I provide unrelated, personal and confidential information for them to acknowledge that they received my payment. They illegally retaliated for me contacting them over my lost payments, by making false and negative remarks on my credit. They lied and chopped 53 points off my credit score. The ONLY reason I got this card was to improve my credit, and regardless of my credit utilization and on time payments, they hurt my credit with THEIR lack of any accountability whatsoever.

I had a Roth IRA CD with this bank. At first, I sought to renew it because their rate was the going rate. However, when they renewed it, they cut the interest by .50%. So I sought to close it out as I was still in the grace period. They made this circuitous and difficult. They did not respond timely and it became a multi week hassle during which time I lost substantial interest available elsewhere. They did not respond at all, nor notify me of issues, and ultimately were like, oh well.

I hold a couple CD in my Synchrony account with different start and maturity dates. Synchrony said I have to call in only 45 days prior to the maturity day to cancel the auto-renewal. They make it very inconvenient and difficult to cancel the CD auto-renewal so they can lock in more money. Very evil and greedy practice!!

I have a Sam's Club credit card and a PayPal credit card, and they are both by Synchrony Bank. I also have dealt with them in the Banking part. They offer the best interest rates around and have always been very courteous and helped me when I called them. I like the money back on my Sam's Club card it more than pays for my membership each year. One of the best banking experiences that I have experienced.

I'd sooner donate plasma for money to get the extra money to purchase something than ever use Synchrony Bank for anything again. They are by far the absolute worse. Had my accounts for YEARS and for example a Rooms to Go account with a zero balance (and had been zero balance for at least a year) was closed with no notice because they said "balances to high in relation to credit limits". Mind you they are the reason that has happened. I have other accounts with them that had high limits with balances at about 15-20% and they lowered each and every limit to about what the balance was on the card. They will tank your credit score and then tell you it is because of a periodic review that they decide to close or significantly decrease your limits. I have never once been maxed out until they decided to do it for me and in the many years I have had accounts have never once missed a payment. If I could give less than zero stars I would however it makes me give them at least one.

I have had my Lowe's credit card with Synchrony bank for a couple of years now. I have never been late and make my monthly payments on time, and even paid off the account just three weeks ago. I received notification from Credit Karma that Synchrony bank just cancelled my Lowe's card without any type of notice. What a Scam of a bank!

I opened a TJX credit card with reward points and immediately set up the account as email statements and no mail. There were no emails and it took a few months for me to get that straightened out and there was interest, and then trailing interest after I paid what they gave me as the total to cover everything. The billing email is not very straightforward, almost intentionally confusing and I do not like the customer service. After about 6 months I cut the card and went back to CitiBank and Barclay cards. Bye bye to TJ Max and Home Goods rewards. Not worth the aggravation.

I’ve never written a review like this before, but Synchrony Bank has pushed me to the edge. Even with a $0 balance, I was still charged interest fees for purchases I already paid off! How does that even make sense? It's like they’re inventing ways to squeeze money out of customers. Their statements are confusing, their fees are shady, and their policies are designed to trap you in a cycle of payments. I will NEVER use a Synchrony card again, and I suggest you don’t either unless you enjoy being charged for absolutely nothing. Save yourself the stress. Avoid Synchrony like the plague.

This is the worst treatment ever. As a long time user of Synchrony products, I used to find them useful and valued at many retailers. Due to my wife's health issues I have been able to only make minimum payments for the last few months. That being said, I have NEVER missed a payment. They will lower limits with no just cause. Find another bank. I would recommend Discover or AMEX. They understand and do not crucify account holders at will.

My credit card account was cancelled after years of paying on time. I never missed a payment. I was never late for a payment. Now I’m paying on a card that I cannot even use. I will never use or recommend Synchrony to anyone.

I called to ask about getting a lower interest rate on my Amazon Credit Card. I spoke with a customer service representative that advised me that she could not honor my request. I requested a supervisor to assist me, she was rude, unprofessional and hung up on me. This company overall is just not a good company but wants you to be a loyal customer to them. They do not care about their customers at all.

Have several accounts with this bank for years and all of a sudden they are closing the ones with 0 balance and reducing credit lines on others to just above balance owed. I have NEVER had a late payment with them since I have had these accounts, BEWARE!!! They will destroy your credit rating by reducing credit lines and closing accounts!

I had opened a credit card to purchase some furniture. I am on automatic payments and I’ve been paying on time for the past two years. Today I get a letter saying they’re closing my account due to me having other credit cards. So much for paying your bills on time.

Synchrony Bank closed all my credit cards with them without me being late on payments and I had many at 0 balance. This caused a domino effect on my credit score. I never got a notification from them before they started closing my accounts. I’m still recovering from this and it will take some time to build my credit back up. I will never do business with this company again. Please read all reviews before applying for a synchrony cc.

I had an account with them for almost a decade. They abruptly lowered my limit which caused my credit score to dip, no warning or anything (lowered it by thousands!!!). I will never in a million years use them ever again. They have little to no stores that except the card. WORK ON THAT AND MAYBE PEOPLE WILL ACTUALLY USE IT. They care nothing about customer loyalty.

This is not a good company to have credit with. My husband and I have had nothing but problems with them. 3 times they have either lowered our credit limit or as of two days ago closed our account. They said they reviewed our credit score every 6 months. They either dropped the credit limit or closed account. We will never use the products

Two days ago, I paid my Synchrony Amazon card in full. I have had this card since 2021, have made no delinquent payments, and have even paid more than the minimum. Proudly, I have been paying off most of my credit cards in full because I am trying to reduce my credit card utilization and improve my credit score. I have a sense of security knowing that in case of an emergency, I do have credit to be utilized. My experiences with Amazon have been quite satisfactory; I can always rely on them in an emergency.

The website is the literal worst. It just sits there and spins and will not let you log in. How are we supposed to pay our bills when the site will not even load??? PLEASE fix this! After this card is paid off, I will not be using it any longer.

I went onto the webpage because they said that they did soft poles to see what you were pre-approved for. Filled out and next you know it says I was approved for a loan for $1400 when I wasn't even trying to be approved. I was just trying to see what I could be preapproved for now. My credit has gone down because of them giving me a credit card that I do not even need. Also within five minutes I canceled the card. I have one other card with them. When I finish paying it off. I will never use them again. One of the worst companies I've ever used.

I wish I could score this bank a zero. Absolutely find another option before you open an account with them. They will either close your account or continue to lower your available credit even if you make all you payments on time and at the minimum amount they require. Then tell you you aren’t paying enough and close your account.

DO NOT USE THIS COMPANY!!!! If I was able to give a negative star I would! I have been a loyal long standing customer for over 20 years. I recently did some home renovations and spent over $20K in 6 months!!! All of this and I bounced a double payment and they charged me interest 15 days after even though the balance was zero!! I was required to pay interest on the payment that was stopped, even though the account had a zero balance! This is all but robbery!!! And I have an excellent credit rating over 800 so to be treated this way makes me sick to know how people struggling are treated!

I got scammed by this bank. Bought a furniture and they financed for 24 month. Set up payment auto payment. They went changing the autopay on their own and they didn't let me now they are adding $4000 to my balance and called. They say they are adding it on the total amount that they have taking $5000 dollars at the 24 months. I asked to clear the balance. They said no. The customer service was so rude and the they saying they would not budge. I need help. I have been cheated...

I had this card since 2019 and had a 6500 limit, had a 4,000 balance, paid 3000 and they lowered my limit to the paid amount and destroyed my credit score. It was in my best interest to not have paid this amount. No other lender does this... do not get the TJX card!!

If I could select 0 stars, I would. Synchrony is the WORST. I had 4 credit accounts serviced by them and had issues all the time. I never received the emailed or mailed statements. They actually lie and say they've mailed stuff when the US Postal Service has never delivered. Communicating by telephone is ridiculously arduous and takes 1/2 day to get to an agent in some other country. Resolution to the customer's satisfaction is non-existent. Their goal is fill their own coffers. After I realized they just don't care and are not going to change, I closed all 4 accounts. BTW, I have a credit score of like 870 and have never missed a payment anywhere, anytime. Is this the reward for being a responsible consumer? These soulless mega-corporations need to learn a lesson! We should all close our accounts!

Beware of this bank. They DO NOT provide disclosure when your CD is renewing, they hide the actual document in your inbox under a drop down for documents so when you go into your Inbox under view massages nothing appears. Furthermore, they provide no notification that there is even a document available to be reviewed in the documents section of their inbox. This is opposite of most inbox that provide you notification when a new message or document is received. By the customer service stinks. I got disconnected twice while on hold to speak with a supervisor and I have still gotten no remedy for the 2000 penalty they want to charge me when they automatically renewed my CD without notification or my authorization. Will never use this bank again!!!!

I had their MasterCard and they lower my limit the day I paid it off and it screwed up my credit score so I paid off Amazon Synchrony bank, card floor decor sink Bank card, CB2 sink Bank card, Pep Boys Synchrony bank card. I asked him to close all of it. I will never do another business with them. Only one I kept is the Lowes credit card. I’ve had them for years and never had any issue. This is kind of type of stuff they do they don’t care about the customer. They only care about their own. Never been late with my payments with any bank. I have a perfect credit.

Synchrony Financial Services closed my account, I have never missed a payment, never been late, they say I'm a risk. They show my credit score 832. It's fine. I don't need them. I think they have very bad policies.

They take away your credit limits and high interest rates!! Ruin your credit in the meantime. Stay away!!! Bad Bad company! Take more than half of your credit limit away. Faithful customers they don’t care.

After reading all of the bad reviews in here I have experienced the same issue with Synchrony. They closed my account without even reaching out to me because I am now high risk. I have never missed a payment and have even paid more each month to bring the balance down. Right now I only owe them $97.00 dollars and will need to pay this by the due date. Man I guess they really needed that $97.00 to close my account and force me to pay the balance. I will never use this company again. Guitar Center needs to stop using this company. Do not use this company!

I have a Ashley Furniture card, Venmo card, & Mastercard managed by Synchrony Bank. Before yesterday I also had a Care Credit card. I have never missed a payment nor have I been late on any of the cards. Last year, they decided to drop my Mastercard credit limit, out of the blue using bogus credit report information, by over $3800. Yesterday, they closed my Care credit account using the same bogus information. This is THE worst company I have EVER done business with and I truly regret accepting any offers from them. I have numerous other credit cards and NOT ONE of those companies has ever treated me this way. If you value your peace of mind and your credit score, stay away from anything with Synchrony Bank's name on it!

Oh my gosh. I have spent an hour simply trying to access my account and this happens every month. I try to pay my TJMaxx bill, but site never recognizes my password even though it is saved in password manager; now my account is locked, I called three different numbers to get account unlocked, but they say live operators can't help and that I should use their virtual chatbot. When I enter account info in chat, THE bot says it cannot locate my account and to call number on back of card; when I replied account is locked, Sydney says live agents can't help and to call phone number and when I call, it is the same message to use virtual chatbot. Isn't it odd site will accept payment from a guest, but gives me no way to access my account, and that there is no way to unblock account? It isn't like I am a terrorist or cyber thief. I simply want to log in.

This is a horrible company. I've had their eBay Mastercard for 2 years and 7 months. I always paid it 20-25 days early and paid at least double the minimum due. I've never had a late payment, and my credit score has not changed. They sent me an email with four falsehoods in it, telling me I'm not paying enough every month, my account isn't old enough, my credit score isn't good enough, etc. All falsehoods, and they reduced my credit line to all but 20 dollars of the available balance which of course caused a credit score drop.

This is literally the worst credit card company that has ever existed. After the sale of my house I paid off all my debt and my credit score went up to 750. Next thing I know Synchrony starts lowering the limit on all of my cards one at a time. I have never had a late or missed payment with them and only had 2 late payments in the last 3 years overall (not even really late but my cap one autopay was set for $5 less then the minimum so they reported it as late). This company is trying to ruin my credit and it is because I am not charging things to their accounts. They are very shady, do not use them for anything.

Despite being a customer for over 4 years, always making on-time payments, never capping my credit limit, and having a zero balance currently, they closed my account. First they lowered my credit limit, then a month later they closed entirely due to a credit score drop because of an issue I was having with another creditor. It doesn't matter your account standing with them. They periodically check your credit overall and determine if you're worth keeping as a customer based on that. And, now due to this closure, my score is going to take another hit.

I have made all of my payments on time and have had the care credit credit card for over a year. Without notice they ran my credit and lowered my available credit by half. They sent an after the fact letter via email that I did not meet their credit worthy guidelines. I have a very small business and during the months of December, January and February we are very slow. My credit cards are used and my balances go up during those months and come back down in the spring. All of my accounts are paid on time always. Another reason was due to lack of real estate debts. I have received credit increase of $100-$150 on 5 other accounts as a valued customer-2 Credit One, 2 First Premiere and Chase. I originally got the Care Credit for our Cat's $5000 surgery-another rip off-pre Covid the surgery was $2700. But our cat is alive and thriving. Add credit to all the other issues that are wrong and stacked against the common person.

I have a Synchrony Bank TJMaxx/Home Goods card. I like the rewards $10 for every $100 spent but that’s not what this review is really about. I wrote to them and asked them to remove a negative late payment inquiry and they did. Even responded to my request quickly. They didn't have to because it was actually my fault. But it was really a decent and nice thing to do and actions like this rarely happen these days. Thank you.

Seems the reviews I’m reading from eight years ago. Synchony’s interest rates are completely ridiculous. We have great credit and have never missed a payment yet they recently increased to 34.99% on three cards we maintain. We have small balances and when they have been paid, we will no longer utilize these cards. To me the stores (Belk, Kay Jewelers, etc) will take the loss - end result. Oh well. If you hate to part with money as we do, I’d be leary to apply for credit with Synchrony.

The worst credit card company. But is our fault, hey guy's out there. Do not use them anymore, and let see how they manage of what they are doing to their customers, because is not fair I we are paying our bill on time. Recommendation talk to an Experian representative because they're damaging every one credit and we the customers must stop this activities.

I have excellent credit in the 800’s and recently got a TJMaxx card through Synchrony. As soon as I received my account information- I paid it off completely. Well apparently my bank account number was off by one digit and the payment didn’t go through. As soon as I got an email saying I still had a balance- I rectified it. So 1.5 billing cycles. THEY CLOSED THE ACCOUNT and obviously this is terrible for my credit. When I called- they told me don’t even bother escalating even though I did and of course they were right. What an awful awful financial institution. I have two other Synchrony accounts with zero balance because I always pay off my cards. Do better, Synchrony.

Synchrony Bank is the total definition of Fraud! They hand out credit cards and close them randomly for NO reason and they are RUINING people's credit in the process. They should be brought up on charges for their business practices that should be considered up the! "Truth in lending" laws. They are horrible.

Do not do business with Synchrony. I recently purchased a mattress from Mattress Firm and decided to do the 24 month interest free payment plan through Synchrony. I made the purchase on December 3 and had not received a single thing from Synchrony so I called them. They had somehow used an old address that had not even been listed as an address at Mattress Firm. All of my receipts had the correct address but Synchrony somehow got an old address and put it on file. On December 30, I called them again and they stated a card and statement had been sent to the incorrect address. They supposedly corrected it and I was supposed to receive a statement/card by no later than January 17.

I recently had two vendors recommend financing through Synchrony. Several months in, they tried to add additional junk fees to both accounts. The only options were pay the fees or close the accounts. I opted to close the accounts, and my credit score immediately dropped 47 points. What a crap company. I will do without before I finance anything with them again.

Synchrony is a joke. I just paid off my ValueCity acct. They tack a $565 interest charge because it was a promotion for 12 months which wasn’t explained. And they kept giving me charges every month. So basically I paid double for a mattress!!!!

I’m extremely disappointed with Synchrony Bank. Despite always making payments on time, maintaining a good standing, and doing everything right, they randomly closed my account without any prior notice or explanation. This is completely unacceptable and unfair, especially for loyal customers who strive to manage their finances responsibly. Not only has this negatively impacted my credit score, but the lack of transparency and communication shows a total disregard for customer trust. If this is how Synchrony treats its customers, I would highly advise others to avoid them.

I am writing to express my interest of my extreme disappointment and dissatisfaction. As a long-standing consumer with multiples credit cards opened with them. The abrupt closure of several accounts without a chance as a loyal customer able to rectify. This bank truly isn't a great bank to give your business with. I truly never thought they would just do this without the history I've given to them. I still have some cards opened with balance. Once I paid them, they can go to hell. I hope others consumer see this and stay away their other cards. They truly care more about their bottom dollars instead of long stand consumer history.

Synchrony apparently closed my account yesterday after I made a 200.00 payment on Friday that was accepted. I called and talked to a Genesis. She stated it was because I had dishonored payments. But I don't have any dishonored payments, I had late payments by a few days. I asked if my account was charged off and she put me on hold for 15 minutes to come back and tell me she could not honor my request. I asked for a 1099c and she said she could not give it to me. I will take legal action against Synchrony bank.

I never know what I will get with Synchrony. They lower limits or even close accounts without warning. Even with a great payment history, this happens. They seem to operate on an algorithm that assesses total debt to income and other factors, and they have made command decisions on my accounts that have negatively impacted my credit. I will be disentangling myself from all involvement with Synchrony and will avoid their services in the future.

Synchrony financial kept lowering my credit limit and messing up my credit score. I have a JCPenney, Amazon and Sam's club card with them and they kept lowering my credit limit on all of those cards even though I paid my with them. They are the worse credit card company in business. Just awful.

I signed up 18 month no fee or interest on the hvac work done. They still charged 69.00. Did not help to reverse. I chatted with two people. Even the chat person said there was not supposed to be a fee. He said call vendor. I did. They would not reverse.

This bank and their customer service supervisors namely Dwight are TRASH and a JOKE. They are rude, condescending, and highly unprofessional. Consider yourself warned. They are so bad that I CLOSED BOTH of my accounts. There are better banks available who value their customers.

DO NOT OPEN AN ACCOUNT WITH SYNCHRONY BANK. I had 4 different cards with them. eBay, PayPal, Lowe’s and Rooms To Go. Never missed a payment, until recently I paid the balance. Paid more than the minimum on the 0% Rooms To Go account. With a drop in income over the last few months, added medical expenses not covered by insurance, I have had to use my other credit cards that are not with Synchrony and my overall Credit Card Usage went above 50% but still making sure all cards were paid.

They now charge to have a paper statement mailed. Never advised this would change from paper to emailed, and when I called I was all but ignored by my complaint. I have and will be closing any and all account with this terrible bank. Such a rip off, and poor customer experiences.

CREDIT CARD ALERT -- Check the Internet for "Synchrony Credit Card" or "Synchrony Closed" or "Synchrony Available". You will then find dozens of Posts by consumers who had the "Available Amount" declined from very large amounts never used (e.g. $1,000 or even up to $10,000-plus) to an amount that suddenly dropped to one that was slightly above their recent purchase (e.g. bought a needed $10.00 item at Lowe's and found $10,000.00 Available Amount was now literally about $15.00! Others were notified of account closures for various reasons, even though those customers had long-term steady jobs and purchased items on an as-needed basis only. Or perhaps like us, having a multiple variety of Gas Company cards simply kept for Emergency Use ONLY (such as for a long and possibly unplanned emergency trip when gas station choices might be limited to one brand available for a few hundred miles!).

This is the worst financial experience I have ever had. Please make sure you do not get a credit card through this financial institution. I was prompted to open a Lowe's credit card when I purchased a lawn mower which is issued through Synchrony Bank. I received the first bill and as always paid the bill the same day as received. A couple of months later I purchased $38 of miscellaneous items at Lowe's. I did not receive a bill for 2 months and then suddenly one shows up with a charge of $113.75 based on interest and late charges.

I have three cards so thank you for the bank. Two of which are paid off and have been. Period. I have never missed a payment. I have never made a late payment. They lowered my credit limit with no real. Reason. They also raised my interest rate. I will be paying off card number three and I will never use Synchrony bank again. Trust me there are way better companies out there.

I pay off my balance every month. I paid online on the 21st (due on 25th) and received an email stating it was being processed. Didn't think about it until they sent me a text on the 29th saying they did not receive any payment. They charged me $30 for a late payment. Can't get ahold of ANY human. Tried to use the chat option and that was a waste of time. This isn't worth the hassle, won't use this card.

Synchrony is horrible! Do not get any of their credit cards! They don't like for you to make payments before they are due. They hold your payments, even on Electronic Bill Pay, and will not put it back into your availability to spend. They can not receive those types of payments unless you have the money in your bank to cover them. Seriously? They are waiting for them to clear? Amex and BoA doesn't do anything like that. Watch out for this if you are planning on using your card(s) for holiday shopping. Also, their customer service leaves much to be desired!

I wouldn't recommend this bank nor getting a credit through them. They are ignorant and do not understand anything at all and for some reason after making a payment over what was due 5 days before the payment was due why they thought I'd like pay $117.00 more on top payment 120 5 days prior. But because they don't know how to make their system recognize an early payment as the payment that was due I am way over my available balance. I'm like why would I want to make two payments when I live on a fixed income and rent is nearly half my check alone. Like I'm flabbergasted.

Synchrony is not customer friendly or easy to use. Their automated system denied my application in a store due to reader error with the camera and ID. No one in the company was willing or able to help me fix the problem even though I already had an account from a different store. Cancelling the account that I have with them and never using again. Will encourage everyone that I know to not use. Very poor customer service.

I do not recommend synchrony financial. They added on charges that I wasn't notified of. They have extra charges like one time 28$ processing fee. My credit went down after they added this charge and they maxed out the credit on the card so it looked like I overspent when it's their charges.

Had been a good Lowe's customer for many years making significant purchases throughout the store - for both our home(s) as well as for my carpentry business customers - until today. I pay any balance I incurred in full every month to avoid any interest - this month's statement indicates an $18.30 balance for interest prompting me to call the 'Synchrony' bank for Lowe's consumer credit. They indicated there was a balance of .20 cents due to a typo on a check for September's pymt which they insist is a balance despite waiving the apparent previous charge that they failed to explain.

Now I understand how low-income folks get taken advantage of by companies like this. The "promotional credit card" for a furniture purchase is designed to draw you in and then charge exorbitant interest rates. They got me! I will never use this bank again!

If I could give them a -10 I would. Their payment plans are set up so it's impossible to pay anything off. This is a predatory company who charges ridiculous fees and doesn't follow their own promotions correctly. Then they lower your available credit suddenly and without notice, on a PAID up account, resulting in credit score issues.

Lowes Home Improvement credit cards are managed by Synchrony Bank, so after having a credit card for more than 20 years and never once missing a payment, Synchrony Bank concocted a flatly false statement and canceled my card after I paid my balance in full. I learned about this after receiving an Experian alert to notify me that my credit score had decreased.

I noticed my accounts being closed and I thought it was due to me not using Discount Tire but only once a year for tires. I opened a Sam's with a high limit, or then was reduced to an extremely low limit and I figured it was because they never had a chance to charge me interest. Then my PayPal Avon l account which is the longest scrooge account went from a high limit to an extremely low limit that I can only use to order McDonalds for a Family of 5. This bank has slowly closed my accounts or just reduced credit with no notice. My accounts are paid in full within 60 days to 6 months with on-time or early payments. My credit score is in the position between Good credit and Excellent which is way better than it was when I first opened all these accounts. No other Financial institutions have reduced my credit, matter of fact I've received increases. Add far at in concerned, they can close ALL MY ACCOUNTS. I will never use them again.

I noticed that my credit card was closed for no reason. I called to see why. The lady stated that they checked my credit and I had 2 other credit card that the balance was high on so they closed my card. I asked if they could get it back on. They stated once again that I had 2 other cards. Those cards are paid off as of the beginning of October. Transunion is who they pull from and transunion never reported that I paid those off. So now on my credit I have a closed credit card with a balance. Don't use these people unless you have to. Again never late or missed a payment.

Do NOT get this card!! Predatory interest fees. As of June 2024 company charges “Daily average interest” until any outstanding balance is paid in full for TWO consecutive months, IN ADDITION to the interest levied on original outstanding balance. It’s compounding interest on outstanding balances for 2 months! Insane and deceitful! The gift certificates aren’t worth it.

Evil, predatory company. They are predatory, marketing their 'care credit' card in the lobbies of emergency vet clinics. So it's 3AM, you've been in the waiting room for hours, and they spring you with a bill, don't worry you can sign up for carecredit with an APR of 32%. It's your only option for payment so what choice do you have. And why on earth does their web portal limit your password to being less than 20 characters? No other website does that, are they invested in making your account as unsecure as possible?

This is the worst bank ever…Everyone does not have internet or phones that can accommodate paperless bills yet it’s mandatory with this bank. You use the card and have to pay for a statement. Make that make sense. It’s another formula to charge late fees and to get extra money. Run away from this bank and if you have them close your accounts. Most definitely Seniors beware. Your fees Suck.,..If I could give them no stars that’s what it would be..

Horrible experience!!! I disputed a charge I did not authorize or recognize from the merchant. Synchrony did nothing do anything to offer support or assistance!! Has no solid evidence of supporting documentation from the merchant to keep the charge on my account however still till this day has not removed it!! This has caused extreme hardship and a huge burden. I have to constantly keep calling them to get updates and a status on the progress of the dispute. It's really ridiculous the way these people operate.

I was stupid enough to open my TJmaxx card issued by this bank. First of all, they are very greedy, gave a ridiculous $400 limit with my very good credit score. Then lowered it to $320 without any reason. I always pay everything off. Third, this time I paid all my debt in full a week ago, and I still can’t use this card, it keeps declining. Customer service is useless, just repeats “we are sorry, should work tomorrow”, and tomorrow it is still declined. I'm pretty sure they use customers' money to make profit on short term operations. They hope no one will notice. But I'm not okay with this, it’s my money, not theirs. I can’t use my card, can’t use or earn rewards. Makes it absolutely senseless. Will probably be closing it soon and will make sure to never do business with Synchrony bank again.

Refuse to correct billing errors resulting in late fees that they refuse to refund. This is our second experience with them with the same result. We set up automatic monthly payments knowing that we needed to start paying to have the balance paid off by the promotional period, and made an extra, large payment to try to always be a month early. They put all the payments in the same month instead of putting one in the next month. This sets up scenario where they claim every payment is "late" because of which period they decide to apply it in. Oh, and they charge full late fees immediately! No grace period. Despite paying more payments in the time period and paying like clockwork, they are putting my account into delinquent status. They refuse to fix any of this. Reporting them to my state Consumer Protection division of the Attorney General.

Synchrony very aggressive in applying late fees - if make payment on due date, won’t get posted as such and voila, late fee that customer service will say “the system” won’t let them remove it. And keep in mind, their late fee far more important to them than your continued customer relationship.

Very disappointing and frustrating. No one to help or take responsibility to alert about late fees. Please be careful; they would say it's the system and would not take any responsibility to waive it for you even if your bank details are accurate and saved in their system.

I believe this company is trying to sabotage my credit score. They offered me a high amount of credit. I only used it to purchase a particular amount from that retailer. They then offered me another credit account which I did utilize more but have also been paying the bill on time. They first reduced by half the original amount offered which tanked my credit score by 50-60 points because it made my percent usage higher. That was almost a year ago. Just a few weeks ago they closed another account that is still active which tanked my credit score 30pts. I made payments on other cards and brought that back up and I now just got a letter that the one they reduced by 50% has now been closed, which will tank my credit further. I'm not sure what's going on but I am going to report this behavior to my state attorney general's office of consumer protection and also the BBB.

If you have a card from a chain store that uses this bank...expect that they will shut it off for no reason. Doesn't matter if you never missed a payment or that you've got a zero balance. They don't care. They also won't tell you so you're super embarrassed when you get to check out.

Needed help with my online account. The online chat feature was not helpful as the reply was 'they could not help' and gave me a number to speak with a representative. I called that number, input info as prompted, only for an automated reply that it was the wrong number for my account and given another number. Called that number, sat on hold for 26 mins. When a representative does come on, she tells me to call back after 2 hours because they are having difficulties. Representative then hangs up on me when I say it's not acceptable to have me hold that long without even attempting to help. She never even asked what the issue was as she may have had institutional knowledge to walk me through my issue without having to get into my account. Not happy at all considering I tried to call the day prior but never got through due to a long hold time. Customer service awful!

I have been a loyal Sam's Club member for over 15 years and hold the Sam's Club Synchrony Bank credit card. Unfortunately, I do not recommend Synchrony Bank. I recently settled my credit card balance to zero and made a purchase at Sam's Club, promptly paying down the balance the very next day. Despite this, my credit limit was lowered to just $20 above my outstanding balance, and the bank reported to the credit bureau that my credit utilization was 97%. I am perplexed by this treatment, as I have never missed a payment. I have spoken to a supervisor at the bank, but the situation remains unresolved. I caution others against using Synchrony Bank and advise Sam's Club to reconsider their partnership with this financial institution.

I would stay away from this company. If you ever get in a bind for in life for things out of your control like being in the hospital and unable to work for a short period. They will not help you or work with you and they will take away your credit for no reason. We had a Lowe’s and Sam’s card both with Synchrony. They lowered our credit on both. And closed the Lowe’s card. When we tried to pay it off they would only take off one late charge and then keep adding more.

They automatically charged me the annual payment and my husband is due. When he goes to the store they charge him the cost the new annuity and I didn't have any money on that card and they charged me interest and I hadn't realized. How bad it was for Sam's Club.

Care Credit/Synchrony applicant beware! I paid my Care credit account in full. I monitored both my checking account that I used to pay my Care credit account to make sure the transaction went smoothly. When I saw that the amount paid had not been taken from my checking account I became concerned, and contacted Synchrony/Care credit. The customer service told me to give it a few more days and it should be posted to my checking account. I waited a few more days and still, it did not come out of my account.

Of all of my 9 different creditors, none have EVER decreased my credit limit on any of my accounts except for Synchrony! Not only did Synchrony decrease my credit limits on ALL my cards with them....they also removed all available balances, we are talking thousands of dollars I had available and left my cards at 98% usage, maxed out!!!!

Don’t get the Sam’s credit card! You are not sent a new card when the other goes out and it’s very embarrassing when your card declines knowing you have not even had any purchases on it! Sam's needs to get away from Synchrony before they lose customers over their credit card choices. I like Sam's but they are messing with people's credibility when it comes to customer service and satisfaction. Costco is really doing a great job with all their services so I think I’m going to cancel and go to them. There is nothing worse than being embarrassed in front of clients, friends and family members by having your card declined. Sucks for Sam's.

Unbelievable what they did to me. I had a credit card with Lowe's and one day they decided to closed it. I asked them why and they said because my credit score got lower. Even though I was making my monthly payments they decided to do it without even asking. I could paid it off in a day if I wanted to. Now they lost my business and also Lowe's lost my business. Now I am doing all my purchases at Home Depot where they treat me better, veteran discount and I have $5000 credit card with them and still active. Never Synchrony again.

Predatory lending. Why any company would partner with this lender is beyond me....except that the company probably gets a kickback. Lowe's is disgusting for partnering with Synchrony. Absolutely disgusting.

For over a year we have been in contact with Synchrony bank about someone using our credit. They refuse to do anything about it claiming we are somehow involved with the fraud. They are not sending statements to our address, we don't live anywhere near the businesses involved and my wife's name is spelled wrong. One example is a granite countertop purchase over 1000 miles from my home. They seem to be happy that someone is making payments on this account and don't care about the FRAUD. Check your credit cards and cancel them as we have if Synchrony has anything to do with them. They had a large call center in Rapid City SD that handled their calls but have sent them all to work from home now. I found these people as clueless as the rest.

In the beginning Synchrony was amazing! Then one day it all changed, we had an inactive card that was canceled, credit limits lowered with no explanation (consistent payments, never late, etc.). It appears that they constantly check your credit activity and if you maintain balances on other cards they punish you. When you apply for the card I understand them looking into your finances but as long as you are maintaining a good relationship and making regular payments what gives them the right to deem you unsatisfactory. I realize that I have a few cards with Synchrony and that I am having problems with them all, wish I'd seen the pattern sooner.

One of the worst banks possible to deal with for credit cards, they will drop your credit line in a heartbeat without notice and cause your revolving monthly balances to go above the preferred percentage. Avoid using or getting any cards from Synchrony Financial! Consumer beware, the worst card company out there!! Do not apply for or pay these crooks any interest on cards they offer!

I have had a Lowe's credit card for over 5 years. Payments were always made before they were due. Sometimes the payment was $1000-$5000. I make the payment to Lowes in the store. Synchrony Financial is the bank behind the card. Synchrony lost the payment, notified me it was late. Started checking in to it. Got copies of the cancelled check, filled out their forms for lost payment. After 3 months they found the payment, returned the payment and late fees. They held the interest and finally paid part of it. Filed BBB complaint and Consumer Protection complaint.

Some years back, we had fallen into a hole and we lost our Synchrony accounts. I am a disabled Veteran and after a few good years of rebuilding my credit profile, I took a shot to see if Synchrony would take me back. Boy, did they ever. When my finances went sour, that was a "Me" problem, not the bank's fault. I was able to finally get back the Synchrony accounts like Sam's Club, Amazon, Sweetwater Music and a few more.

I would like start with saying this, if I knew this credit card company operate with poor standard and practices, I never would have sign up with them for the Guitar Center credit card. I sign up for the card to buy equipment for my local church. I had the card for over 1 year and half. Use it, made purchase and paid card off not a problem. After that I used the card again and I noticed after the 3rd set of purchases my credit limit was decreased. I was sent a email that they are decreasing my credit limit. It didn’t make sense, because I was paying on it and using it and never had a late.

I took out a cd with this bank and was very pleased with its rate. I also downloaded an application that didn't give us much functionality. Upon maturity the only option provided on the app Was either new with them or you had to call them. I called and gave instructions Upon maturity. Never got any confirmation of that discussion... When trying to have a chat I was logged off and wasn't able to communicate three times.... It felt as though I was dealing with a third-rate Rinky-dink bank.

Unfortunately, I didn't heed the warnings, of countless negative reviews, that I had previously read about Synchrony. And, now, I have three accounts through Synchrony. On two of my accounts, Synchrony issued fairly high credit limits. And, so, I took advantage of being able to purchase higher ticket items, that would allow me to do home improvements, and upkeep. Everything seemed great with their financial services, until I was one payment away from having the account paid off... and that's where everything went south on my experiences with them. Now, mind you, I've never missed a payment on ANY of my accounts. In fact, I keep getting updates, from Experian, about my perfect payment history.

Our payment on our loan was due on the 5th of the month. Due to a change in our payroll, we chose to pay ahead at the end of January, so we would not have any chance of being late when our next check came in February. These crooks are now telling us that we owe them a 30 dollar late fee. Apparently by making a payment before the statement was generated, they did not consider this our normal payment and therefore they claim that our February payment was not made on time. They did this even though we are multiple months ahead on our payments. This is ludicrous!!! I’m very disappointed that I could not give them less than one star for the review!

We have a credit card with Synchrony Bank through Sam's Club, so we have no option to not carry one and be a member. They are constantly denying charges cancelling our credit card without any notice or reasonable explanation. We call their customer service reps and after a long discussion they state this issue is fixed, however after we hang up the phone we find out the problem still persists. I think they have extremely poor training. Several times they even hang up on us when they cannot provide an answer or resolve an issue. It is frustrating to continually have your credit card denied when checking out of a store for no reason. We even have is denied at a Sam's club for which the card is issued for. Sam's Club needs to find a new card vendor that is not Synchronicity.

I accidentally pressed the wrong button to enroll in Verizon's autopay. I pressed "apply now" thinking it was for autopay but instead accidentally applied for Synchrony's credit card. When I received it, I shredded it because I did not want it in the first place. This is when my nightmare began. I started getting emails saying I owed $139, another time $119, etc. I did not activate this card so what was I getting these bills for.

On 10/23/23 I found out Synchrony Bank opened up a MasterCard without my knowledge or permission. After I made a $1000 cash payment on my JCPenney‘s credit card someone from Synchrony, Bank transferred my $1000 cash payment from my JCPenney‘s credit card to a MasterCard which I had no knowledge of Synchrony, Bank has outrageous business practices, after I discovered the fraud symphony bank closed my JCPenney‘s credit card knowing I was attempted to pay it off. I am very hurt by Synchrony, Bank actions. I am seeking justice and retribution. I do not advise anyone to do business with Synchrony, Bank. Stay far away stay far away from Synchrony, Bank. They are crooks. This is my opinion and I’m sticking to it. Synchrony Bank deserve zero stars.

Don't trust Synchrony. I had been a customer for over ten years. They closed my account on their own based on a drop in my credit score based on a very explainable situation that had nothing to do with my credit cards. They were the only company to actually on their own volition close my credit.

I ordered 5 items. Doing so I used flex pay. Decided to return 4 of the 5. Therefore I paid full purchase price of the 1 item I kept. Still being billed for flex pay. WHY? I PAID THE FULL PURCHASE PRICE. HSN has informed me it is paid off. What is wrong with Synchrony Bank? Buyers beware: Never use flex pay. Someone is getting your money!!!!

They closed my account when trying to pay it off. Then they didn't show the payment I made was paid and so I was afraid of getting a late fee so I paid it again and they still have not sent my refund after 18 days. I have notified them 3 times now! The money they have is to pay my other bills.

I have never been late with a payment to this company and have had my card for many years. I looked at my account today and they took my unused credit away. They said it was based off my credit score, but I never missed a payment, and I always paid over the amount of my payment due every month. I had 2600.00 unused credit and now it's gone. It's disgraceful. Funny how this happened when I cancelled their Security Program that I had no idea that they had attached to my card every month. I kept wondering why only a few dollars a month, literally, was being applied to my credit. I went over my online bills and saw that some Security Program had been added for several months. I then cancelled that program and now my unused credit is gone. RIPOFF!!!! As far as I am concerned they can take my card and put it where the sun doesn't shine. If anyone is thinking about getting this card, RUN, don't walk, away from this company.

I bought a furniture from Ashley Furniture and it is financed through Synchrony Bank, and I wanted to pay my loan and I am not able to make payment online with Debit card. In the 21st century a financial institution makes paying my loan difficult is unheard off. The current payment options offered by Synchrony Bank for loan payments do not fully align with the customer's preference to use a debit card for online and automated payments. While Synchrony Bank allows online payments, the available methods are limited to bank account transfers and do not explicitly mention the acceptance of debit cards for online payments. Additionally, Synchrony Bank provides the option to make payments over the phone, but a fee is charged for this service. The bank does not have branches so that I can make payment in person and ask them to set automated payment using my debit card.

Stay away! Purchased ABT products (appliances) with ABT Synchrony credit card. Spent more than $30,000 and they said it's no interest on purchases. After 2 years the balance was around $ 1000 on one of the initially purchased amount of $3164 and after 24 months they added interest charges of $ 2400. A month later I noticed that the balance on my account increased a lot and I called the customer service - they said nothing they can help me with even when I was ready to pay off entire balance, also they charging you additionally $75 each month on a top of other charges. Beware!!! Stay away!!!

Synchrony Bank opened a credit card in my name WITHOUT my approval, signature or authorization. Then they tried to damage my credit by saying I owe for charges made to this fraudulent account. My husband opened an account through Sleep Number and my name was on the application so they issued 2 separate credit accounts $12,000 and $9,000 in both of our names. I contacted them when they issued the card, NEVER ACTIVATED THE CARD yet Sleep Number applied my husband purchase to a card that was never open, authorized nor used based on a phone number. I called endlessly to advise Synchrony Bank and Sleep Numbers that there was an error with no resolve. If a purchase was made it was on my husband account, I never authorized any credit card or purchases. Yet they are sending me a bill!

They operate with criminal business practices, and there are many victims out there who have made the mistake of thinking they are a legitimate bank. In my case like many others they have taken my deposit and are holding it without paying any interest for an indefinite time frame. This practice is much in the news lately and the government should step in a stop these criminal activities. In general it seems this site and others are filled with critical and negative reviews of STEALPHONY BANK: Synchrony Bank. Stay away from them!

I have worked in financial services for over a decade and suspect but do not know: Synchrony uses either old or basic algorithms so basic consumer functions are fumbled. For example their auto-withdrawal failed on my account, and their customer service department is not trained at all on the issue and so isn't able to help very much at all (and they will count it against you). In the year 2023 I had to manually make monthly payments. So if you need the credit they will extend it, but there are better banks available.

One would think in 2023 that verifying your identity to make a purchase would be fairly easy. Synchrony disagrees. After 14 phone calls only 2 hours after opening an account, I closed said account. If their system cannot figure out how to send a code to my cell phone (which is on record) and their customer support reps transfer me to ADT Home Security's hotline, I have to wonder what happens when I have an actual problem.

Beware. The Synchrony website walks you through the autopsy setup process. They will give you 4 years to pay off the product with deferred interest. They won’t, however, explain that if you don’t pay in 2 years then they will hit you with an interest amount the equivalent of the purchase. In my case, $3k. Absolutely disgusting and I don’t know how these con artists sleep at night. Absolutely garbage company.

Unsatisfactory Customer Service Experience with Synchrony Bank EVER!!!! I am Ernesto **, a 70-year-old customer of Synchrony Bank, and I recently had an unpleasant experience with their customer service. My interaction involved a Spanish-speaking agent under the supervision of ** (#530) at the Synchrony Bank call center (PO Box 71715, Philadelphia, PA 19176-1715, Call Center #1866-396-854). Initially, I spoke with an agent named **, and later, I was transferred to a female representative who refused to provide her full name or agent number very rude.

Had a credit card 2 years. Never late ever. Out of clear blue they dropped my limit from 4600 to 400 which of course will ruin your credit score by showing high usage. I closed account. Called them but they don't care.

We bought kitchen cabinets and countertops from Lowe's, had nothing but problems, after a few months, we received a check to compensate us for our issues, about three months later, they charged our account 700.00 saying they shouldn't have given us money back, that it was a computer mistake, even though it was an agreed upon amount. Now they're trying to say we're late on payments after everything was paid in full, and they try to sneak 700.00 on our account. I've spent numerous hours on the phone with them and sent in all documents proving what happened. All I get is a different rep asking me the same questions every time. You can never get the same person twice. Today along, 2 1/2 hours on the phone, and had to call back four times from being disconnected by them.

The product I ordered is not bad. It does squeak a bit but works. However in the time of purchasing the product I was told that I can finance it for 18 months with no interest....Sounded amazing....My bad not to read the fine print! They didn't also promote the fact if you don't pay it all before 18 months you will pay 30% interest yearly on the whole purchase price....which cost me over $1000 extra....Bank Synchrony is an amazing scam!!!!

I am deeply dissatisfied with my experience with Synchrony and their Credit Security Service. In April 2021, I opted for a financing option for my new Air Conditioning system, and it has turned into a nightmare. Automatic monthly payments of $285 were set up, and I recently discovered an unauthorized balance of $4,268.37 on November 13, 2023. Shockingly, Synchrony had enrolled me in their Credit Security program without my consent, charging an outrageous $159.5 monthly fee—more than half of my original loan payment. This fee accrued interest at 26.99%, resulting in an unjustifiable balance.

I didn't read the fine print, my mistake. We had 3 transactions on 1 card and received 1 statement with 1 balance. I calculated how much my payments needed to be to pay off each transaction prior to its promo period expiring. I even called to make sure I was doing this correctly. However, Synchrony doesn't apply a payment to the oldest. Instead, it applied a "minimum" to each of the 3 transactions (remember, 1 statement) and the excess went to the oldest transaction. I had it on auto payment. When I went in to see how much was still left on the account, I was shocked to find that we still owed almost as much as we had borrowed.

I have 6 Synchrony credit cards each with payment security. Over the years any claim to activate benefits is easy, after that it's a nightmare. Under 3.1 of their contract, they are supposed to cover or credit you, your monthly payments. They do not reimburse you or credit you. Then if no additional purchases since benefit activation date, they are supposed to completely pay the balance owed on each account up to $10,000. When making your own monthly minimum payments the final payout doesn't cover your whole debt. This is theft by deception and breach of contract.

I have had a account through these people for a year. Was late like twice and once was because I was admitted in the hospital. Which I offered to provide proof because they lowered my credit limit after that and that was once. Paid my entire 4,000 credit off in less than a year making huge payments and these people destroyed my credit, and closed my account down after paying them completely off!! They refuse to give me a reason why!! These people should be completely shut down!! They have ruined my credit and I still have no clue what I did so bad for them to treat me this way!! DISGUSTING!! HORRIBLE!! PIECES OF DOG CRAP!! DO NOT GET ANYTHING FROM THESE PEOPLE!

My credit line was reduced after my credit score went up. This company is pathetic. Avoid like the plague. Customer service is useless. All a bunch of foreigners. They obviously live to mess with people's debt to income ratios.

I don't even know where to begin with this bank. I have been actively working to pay off all accounts to remove myself from any potential risk from this bank. If you care about your credit score, stay away. Here is my current story about this bank. I have a PayPal credit line that I just paid off in full. It has been a little over two weeks and Synchrony has yet to report that the account balance is $0 to the credit agencies. I'm then rewarded by Synchrony when they lowered my credit limit to $100 from $7,600. This is going to impact my credit again. This isn't the first time this has happened from this bank. Anyone who is looking to open an account with Synchrony needs to Full-Stop and run. Do not, I repeat, do not do business with Synchrony.

Worst financial company to deal with. They will charge you late fees even if it hasn't been 30 days!!!! You should know their billing cycle according to their customer service!!!! Would not recommend. If you are thinking about applying for a store credit card that is managed by Synchrony I would recommend that you pass!!!!