Synchrony Reviews 

This is by far, one of the worst bank in America. They created fake statements about my credit history. I have an 835 credit score and can't remember the last time I was even late paying one. TransUnion gave me nearly their perfect score (850) and this bank treated me as though I was in bankruptcy. Not a place you want to do business. Beware!

I made a purchase with Summit Racing with a promotion in January and can not get any one to give me an answer as to why I have not received it. And I confirmed end in January it was submitted correct. Several attempts to get an answer lead to a transfer of the calls to end up getting disconnected. Very frustrating customer service.

SYNCHRONY BANK has ripped off so many people it should not be able to continue doing this!
This is the 3rd time I have been deceived by them!!!!
Did not know QVC card was issued by Synchrony.
I would not have gotten a Q card!
Called QVC they say call S Bank!
I did both and got nowhere.
Sent back items was told postage charge would be taken from my credits.
S bank billed me and I owe nothing!!!!
QVC has not given me correct info to log into sight.
Called 7 times. I have tried 7 times cannnot get into
QVC. QVC said it could not take S bank card off my acct!!!! WHY?
Trust Pilot is the best sight . I sent TP a complaint and co. Emailed me next day. Thank u very much . Pat H

This company is the absolute worst! I have never seen a credit card company lower your credit like this terrible company does despite paying on time every month!! I am trying to rebuild my credit and Synchony is lowering my score by lowering my limits! Unfortunately, I have multiple accounts with these fools! My advice is DO NOT do business with them!!

We got the Sam's Club card through Synchrony for the cash back. The cash back turned out to be a scam because you need to be a Plus member and can only use the cash back at Sam's. Whenever I get a card, I always set up autopay to pay the total amount and I did with the Sam's card. I just got my statement and it showed a balance and interest from previous charges (what would equate to nearly 50% APR). Turns out the options for the autopay were statement balance and "Total minimum payment". I may have considered the "Total minimum payment" to be the total payment. Why would they put total there? It's "totally" scammy. They said they couldn't reverse the interest. Guess they figure people will just go along with their scam, but I won't and hope you don't either.

Hope I NEVER have to deal with this company again. Tried to check why a $40 charge was added but could not login to my account. It did not recognize my account ID, password, SSN, or birthdate. Could not sign in or create a new account. After getting through their endless recording twice and finally getting to an agent, neither was any help and then both disconnected.

This place is awful and they don't provide benefits for military as they should under the SCRA. I have wrote them so many times in the mail and every month I still see that huge interest rate being charge. When you reach out to customer service they keep routing you to some finance office which is only an address no phone number. I will never use them again.

This company is unfortunately attached to my Penny's account. I sent the payoff of the bill on time and of course this Bank found a way to charge me $32 in late fees!! Don't use this organization their honesty is definitely in question!

Synchrony is now charging 1.99 to mail a paper statement now. What about the elderly customers like my mom who does not use a computer? This company is one of the lowest I have encountered.

This place is a joke and a scam . Opening a dispute is total hussle . And they always gonna favor the scammer . Literally! I bought electronic purchase online that could be sent by email . The scammer then sent me some rondom stuff does not match the description at all . But they still closed my dispute because they said the seller did sent prove that they sent it to me on the email . Like they dont even check if the thing is what he supposed to sent they just said ok closed ? They do not care about costumers at all

I don't know what is Synchrony's problem but they gave me a $1,000 credit card I've been making my payments on time and doing extra payments so in the middle of March I decided to put $400 down to my card just 2 weeks later, today to find out that they reduce my credit card credit to $600 then what was the whole point of making up for $400 payment for if they decided to mess me up, I called them so they can tell me I have too many credit lines open, like is only 4 cards and all in good standing accoring to my credit report! So just because of that they decided to lower me to $600 credit line that's stupidity and I'm going to cancel this card

These people are the poorest excuse for a credit provider. I have an 847 FICO score on Experian and they denied me credit. Their convoluted system of checking your credit requires you to do a 5 second video, photo the front & back of your license and if their equipment won’t accept it tough. They demand your SS number. I’m tired of being mistreated by credit card companies & banks. These people have ZERO sense of customer service. I’m considering getting an attorney. Do we still have truth in lending laws. I will complain to the credit bureaus. I hope Sam Ash sees this review.

I am deaf and Synchrony refuses to help me update or access my account without forcing me to call them. I dont have a tty device. This has happened several times with several agents on chat.

On about July 5,2023, I was asked to apply for a Sam's credit card, told it would not show on my Credit Report,LIE AND LIE, I now have a hard inquiry and A denial of credit. My score was 675 and 697 and synchrony sent me a letter of denial because they score me at a 478 credit score and I already have a card of theirs through Amazon, never been late always paid off. IT seems to be another way of trying to control who they want to approve regardless of a person doing the right thing, GOOD LUCK TO ALL, I SUGGEST NO ONE APPLY and Sam's Club should know

Had an upcoming renewal of a CD that I wanted to close. Called them two weeks in advance in additional two more calls and the account has still not been closed on Maturity date. They said it would take 5 to 7 days to actually close out and then another 7 to 10 days to mail the check. I would advice everyone to avoid Synchrony bank. Very poor service. Will not allow you to close the account on line. Requires you to call and then still no progress.

I had a dental appointment 2 years ago and set up automatic payments. SyncronyBank thru CareCredit.

A week ago I decided to make another 0% credit and was very surprised because they told me that I was charged $800.

Why?
They told me that I missed a payment or didn't pay everything on time.
The initial statement 2 years ago was around $1200.

I paid it fully and now I'm still owed money?

Something is not right.

I HAVE AN AMAZON ACCOUNT WITH THEM. I HAVE BEEN UNABLE TO ACCESS MY ACCOUNT FOR MONTHS. I HAVE CALLED MANY TIMES AND THEY SAID THEY ARE WORKING ON IT. I CAN NOT FIND ANYONE TO CORRECT THIS. SO NOW WHEN I ORDER I USE ANOTHER BANK CARD. I ASK THEM TO SEND ME A LETTER THAT THE ISSUE HAS BEEN CORRECTED AND THAT I WILL NOT USE SYNCHRONY BANK ON AMAZON UNTIL I CAN LOG IN TO MY ACCOUNT AND I SPEND AN AVERAGE OF 1,000.00 A MONTH FOR BOTH MY HEALTH, HOME, AND BUSSINESS NEEDS..

The worst credit company by far I've ever had

This bank is the worst at refunding YOUR money!

I had a loan financed through Synchrony bank and paid the loan off. In paying the loan off I overpaid $432. I tried to get those funds refunded and the bank took every possible measure, including sending me nonsense security procedures that failed every time in order to not refund the money. BUYER BEWARE!!!!! This is a company that will definitely attempt to keep tour funds from you!