Synchronybank Reviews 1,867

Synchrony Bank is one of the worst ones I have ever had to deal with. If you make your payments on time and you pay your card off they just literally cancel your card and then you have to reopen or you make a large payment and they put the payment on hold so you have no available credit. If you can avoid synchrony Bank do it, they're the worst

Once again Synchrony has reduced my credit limits on several cards. This impacts my credit score. Truly the most awful bank to do business with.

Used to be great. I dunno what happened but I’ve never had a problem with them before they acquired PayPal. They have no option to look at that credit card and the agents don’t seem to understand words or reading comprehension anymore.

Worst Bank! If you ever want to get your funds back, do not give them to Synchrony Bank!!!!! We are fighting and fighting with them just to close our CDs and move the funds to another bank. They are denying us at every turn, creating more and more hoops to jump through, delaying another 7-10 days here, another hoop, mail a letter, have something notarized. It goes on and on!!!

Available credit was applied instantly after purchase, but payment process was way slower than any other banks that caused interest charges on late payment. Customer service was not easy to reach out and not helpful at all. I believe this is the worst credit card company in US.

my available credit was lowered from $7000 to $300 after having my Lowe's card for 20 years. As long as I was using it to make large purchases it was fine but I have only used it for small purchases in the last year. When I called regarding the decrease, the account manager said basically we did a review and lowered it. After 20 years I asked? Yes that is how it works, she said. When I told her I would be closing my accounts, she asked if there was anything else she could do for me. What a joke! Worst customer service ever!!!

They can close your account for no reason, and refuse to help you when you call them. Your cashback rewards are good as gone. Basically, expect pain and frustration.

I had never imagined I should have seen reviews for a financial institution, no less a bank! My husband and I both opened JC Penny Cards during Christmas. Made payments immediately on both. Didn't know until the autopay set-up that these were with Synchrony. All seemed fine. didn't care.
On a separate note, due to recent travels with Virgin Atlantic and an offer for 60,000 welcome points, opened an account for myself in September 2025. All seemed fine, until a payment to LA County did not go thru for property taxes! CSR insisted, and Security Dept confirmed (after 12 weeks) that they believed the vendor to be a fraudulent vendor. The idiocy was appalling, because LA County California collects nearly $3 BILLION in taxes on credit cards!

I call after 2 months to check on what happened to the enquiry about the vendor; because I wrote letters to both, Synchrony and LA County FTB regarding the matter. LA County, a govt authority has the courtesy to respond by email in 3 days. Guess how long Synchrony's response takes? a whopping 2 calls, and 3 months later! Standard response: "We regret charge didnt go through. But we are firm on our stand. Due to security concerns... etc etc". When called, the CSR showed no signs of a declined charge 2 months ago.

I finish my 4k spend for the 60k points bonus and decide to take a break from their idiocy. But by then, my husband's card had started wracking charges for the 60k points. We had finished a 3k spend off the 4k requirement in 3 months, when abruptly, ALL 4 cards are closed. NO NOTIFICATION, NO PRIOR WARNING. I come to know that card was closed only when one of my autopays for a storage space kicks back! So I call them again. And like robots, the only answers from any and all CSRs is 'your card was closed' we dont know why'.

I leave a detailed message, twice, for a Gaurav K, Senior Security Specialist, number given on their letter, asking what was going on. NO CALL BACK!

So, Synchrony abruptly closes 4 cards under weird explanations! This, for customers with
- credit scores of very good-excellent from 790-807
- a family income of $300k+
- probably not more than 5 missed payments in 25 years of credit history; not a single payment missed in 7+ years
- has paid every month's payment on time and in full
- has spent 3k on a card where a 4k spend would give 60k points on VA. bank has not courtesy to respond with how they plan to make up for this lost bonus.
- has the capacity to wrack up nearly 30k in a year (a business Synchrony seems insistent on losing! What morons do they employ?)
- the courtesy to call the bank and speak to them multiple times, only to explain that there is something wrong with their credit and security system.

Wrote a detailed 2 page letter to CEO Brian Doubles and CCO Max Adler mid-April. 10 days later, no phone call from the CEO's office... just 2 letters again, stating

'... account was closed due to activity demonstrated on one or more accounts... and not due to your payment history...'.

What activity caused this? No one knows, no information! The most baffling response from a very unresponsive bank!

I'd not care, not bother wasting my time further.

About 3 years ago I placed $10k in a 19 month CD at Synchrony bank. I chose that term because I needed that $10k in 19 months. After 19 months and I hadn't received my money back, I was shocked to find that Synchrony had rolled the CD over into a new CD rather than return the money to me. When I discovered this fact and discussed it with Synchrony, they informed me that I was outside of the time window where I could retrieve my money. So, I adjusted my finances and found the $10k elsewhere while the intended $10k sat at Synchrony for an additional 19 months (at a lower rate). Well, that second CD is due to mature in early June. I called and informed the representative (whose accent seemed to indicate that he was in southeast Asia) that I wanted my money returned to me as a paper check. No problem, I was told, "everything should be fine". But this individual was unable to provide me with any type of electronic verification that they had received my instructions. "You'll get an email when the CD matures" I was told. But, I don't trust them, so I wrote to customer service and received a message back today full of PR pablum...."if you have additional questions please feel free to contact us..." yada, yada, yada. Stay away from Synchrony Bank!

Fraudulent and deceptive practices. I signed up for their CreditCare care to pay for my dogs emergency surgery and was told if I pay the minimum payment every month, it will pay off before the interest kicks in. So I threw the card in a drawer, set up an auto pay and left it alone. Flash to years later and I was wondering why the payments were still going through, found that a 'card insurance' that I never signed up for was added to my account which is, I suspect, why I didn't have it paid off in time and caused the balance to grow ending up at a higher amount than the surgery was to begin with.
I tried to dispute the insurance service and they promised to send an letter proving I added it, but it will take 5 to 7 days. While waiting, I closed the account and paid off the entire insane amount just to stop the bleeding. The supervisor I spoke to who closed my account didn't mention any additional charges or anything else.
Well the letter came in and their 'proof' was just a few lines saying 'Our research indicates you purchased Payment Security on 06/11/2024 via an online enrollment'... that is not proof, I don't think I even logged into my account at all that year. Add to that I logged into the account to have it in front of me when I called them back and found a new 76$ interest charge.... how is there interest on a 0$ balance, according to the rep its because they charge interest in arrears, but then why didn't a supervisor closing my account, knowing I was trying to get to a 0 balance, bother to mention this to me on his recorded line? Had I not gotten this letter prompting me to login, I likely would have missed the brand new questionable charge and been back in their pocket with recurring late fees.
Consumer be warned, do NOT use this company unless you absolutely have to, and even then, watch over your account like a hawk, and do not trust anything they tell you.

If I could id leave no stars for this bank. I payed $36 in cash to the actual store in JC Penny Three Rivers mall in Washington and Synchrony bank is now charging me an extra $35 for a hidden late fee when I know I turned it in on time. Im paying this bank twice for a ring I bought. I will never use that bank again and I highly recommend never using it yourself as its really hard to get both companies on the line to discuss bills. All they focus on is the money and not the customers. Poor customer service altogether. Continuous nagging for more money two months after you payed off your previous bill. Honestly I hope banks like that go out of business from lack of customers. Its unprofessional how they handled this.

Approximately two-years ago, I decided to try and grow some money so I had transferred of what I had from PayPal into this associated bank. Received an email about a month ago stating that I can't just use it to grow interest on my account so I either had to start showing activity movement or they were going to transfer all of my money back over to PayPal. All for a measly twenty-bucks per year lol!

You guys are scamming all the time , I get a credit card and start making payments every months. After paying two years , my premium is more than original. This is total scam

worst place to get a credit card from low amount and would take card away soon as you pay it down also won’t let you use the available amount on card! DONOT apply for any credit cards associated with them!

I wish there was an option for 0 stars.Because that is exactly what I would give for a review... They tell you about a promotion on certain amounts of your card. So I pay it off, they can't process the check over the phone. They blame it on my credit union. So when I call and I cannot understand the customer service lady. I get switched to a supervisor that tells me she has no idea. I would have to take it up with my bank. My bank has no record of it. Everything matches, they did not process the check. This was ABC warehouse that uses synchrony bank. It is absolutely the worst bank. I've ever used. They also use a synchrony bank for care credit. Another scam. They tell you to go anywhere. Mastercard is accepted, but that is not the truth. Most businesses will not buy in or comply with. I don't care credit because they charge both the customer and the business to use their card. And if you use it where a mastercard has that logo, the interest rate is absolutely insane.Because you didn't use it where they told you to.It's an absolute scam and they continue to get away with it, dealing with them to pay them off is absolutely ridiculous.

If i can leave zero stars - i would love to . This bank it total scam , please stay away from them !
you buy mattress and the store will tell you that you can pay in 3 years. You will think that total amount is split in right amount when you get first invoice . But that will be minimum, that has nothing to do with right split.In 3 years you wont be reminded by this scammers that you will be charges 34.99 % of interest now . And Voilà - you are getting couple thousands more added to your balance to feed this scammer. If you can stay away from them - please do . No surprise they have 1 star here . It is absolutely deserved

April 22nd went to buy something and the charge was declined. Went to the app to find out all 11 of my accounts were closed with no notification. No late payments, more than the minimum payments, early payoff on my accounts and they closed them all with some of them with a balance. I’ve worked so hard to get my credit score up to 700+ and with this it’s going to make my credit usage go up which will probably make my credit score go down. This company has no concern about things like this causes a negative impact on the consumer and all I got from customer service and a letter I got on the 24th is a high risk account please explain to me what that means when I know I’ve done everything right with them for years….

Would leave -10 if I could. Account was transferred to this company from AMEX and it’s absolutely horrible. Did not receive account # or card. They will not accept a payment until they do send me the card which will make my payment late. They say they cannot request the card to be expedited because they aren’t the person that ordered the card. The person that ordered the card hung up on me… I CANT pay my payment because they refuse to accept it. Absolute garbage. Will be paying off the balance and CLOSING this account as soon as possible.

Paying my bills and still get random reductions in credit limits!!!!