Synchronybank Reviews 1.672

I don't do credit. I bought my last vehicle in 2007 with cash. I signed with synchronybank.com to get a discount with amazon.com. When I signed up I used a short, weak password. synchronybank.com WILL NOT ALLOW me to change it. Their online support is useless. This is so far away from best practices, it is unbelievable.

Ive had a credit card with these people for 2 years and never missed a payment. Now I recieved an email saying they have lowered my line of credit. I will pay off this and close the account and never use synchrony bank again.

I mistakenly made a payment to a closed account with Synchrony Bank. Trying to speak to a representative when calling the customer service number was a fiasco. The automated system continued to try to force me to make a payment. I needed to speak to someone. When I finally got a representative after almost a half hour on hold they could not help me. That person transferred me to someone else who then thought I was calling for a Pay as you Go account. Once again they couldn't help me and preceded to transfer me once again to the same automated line. To wait on hold another half hour. This was very frustrating I finally reached a 3rd representative who tried to help me. He opened a dispute explained I had to upload proof of payment. I see the dispute but no way to upload a pic of proof. This was the worse experience I ever had with customer service starting with the automated system. I'm still dealing with this issue I know I created from the start. I just want that payment to be transferred to the correct account.

Synchrony Bank are a bunch of crooked jerks! I have NEVER defaulted with them. I ALWAYS pay significantly MORE than my minimum due and they continue to screw me over by dropping my credit limit to the bare minimum! A really crappy, horrible, dishonest, terrible company! I do NOT recommend Synchrony Bank! Avoid these A-Holes! 😡🤬😡🤬😡🤬

They are the absolute worst! I had 8 cards with them, mainly store cards. I got 8 letters from them saying they had closed my accounts for "high risk of failure to pay". I have an 800+ credit score, have NEVER had a late payment with anyone, never near my credit limit and they are paid off every month unless it's a promotional balance. I even went to a credit counselor to see if I was doing something wrong. He could not believe they had done this after looking at my credit history. Basically the answer I got back from Synchrony is "we can close your account if we want to". I will miss my Sam's card, PayPal credit and Verizon but I will survive. I want nothing to do with this POS company!

They said I had to pay th bill off and did and they still charge me interest.

Have had cards for years with a good amount if credit extended. Perfect payment history, pay more than minimum on autopay, never late and pay down balances. Then all of a sudden they start lowering credit limit to amount owed and as I pay that down the start closing cards. It has shattered my credit score by 100 points. And the businesses people would normally patronize are losing money if this is widespread because we will no longer spend there. I do have other cards with other banks but I won’t use them to spend at places synchrony no longer extends credit. I wouldn’t recommend at all. Your credit will eventually be destroyed. I’m extremely frustrated with this bank.

I don't know how all these companies have synchrony Bank representing them Walmart Yahoo PayPal the list goes on and on these are big companies and they have this horrible POS company their technology is horrible.. the credit rating process is horrible... Nobody speaks English who answers the phone just a real low-life company

Called last month for pay off amount. I paid the amount and are charging interest on what? They wouldn’t wave the interest fee

Extremely bad customer service. Farrah (I believe that was her name?) talked over me, did not listen or acknowledge what I said and was extremely rude and condescending.
She said she did not know how “the algorithm” transferring money works and refused to look into how/why money was taken out of my account.
When I asked for clarification about what to do if I don’t see my money back after 7 days when their system releases it, she said “I don’t know how I can make this any more clear for you.” in a catty way.
I feel very disrespected when I was just trying to get help.
Obviously this company and its staff do not care about their customers at all.

The absolute WORST!!! How Lowe's went from the best - American Express to the worst Synchrony is beyond me!!! WHY???
Waited on the phone for 1.5 hours to have no resolution is unbeliable!!
If i could give this company a -5 I would do it!!!

This is the absolute worst company ever. I have a Home Depot card which had $5,000.00 credit limit within 8 months of making my first purchase lawn and gardens equipment totaled around $1,100.00 this sorry company dropped my credit limit to $1,200.00. When I called the bank they tell me the reason they lowered my credit limit is because I have too much credit. I have never been late and always paid over my monthly payments. That move synchrony made by lowering my credit limit caused my credit score to drop. I wish there was something you could do to them. This company purposely damages people credit and there is nothing you can do about it. STAY away from this company

I would give this bank a ZERO!! but there isn't an option for that. I've been trying to pay my bill for over 45 minutes and I can't access my account with my correct username and password. Stay away from this shady lender!!

All I want to do is close an account. 8 months later they still won't do it.

I wanted to speak to an agent to allocate a payment for Care Credit. I decided to hold b/c I call when it's convenient for me; I'm not interested in waiting around until someone decides to call me back. I gave it 20 minutes. It's bad enough being on hold w/o that foolish recording, every 20 seconds, telling me that my call is very important to them--uh, no, if it were, more people would be answering the phones. I really dislike this bank. I also have a Lowes account that b/c I have a promotion I'm paying off (before interest) I use another credit card when I make purchases there & I make a lot; makes me happy not to use Synchrony.

THEY ARE THE WORST BANK ! I HAD BEEEN A GREAT CUSTOMER, NEVER EVER PAID ANY OF THE CARDS I HAD WITH THEM LATE, HOWEVER THEY KEEP LOWERING MY CREDIT LIMIT FOR NO REASON AT ALL. THEY PULL MY CREDIT REPORT SO OFTEN IT SHOULD BE ILLEGAL THAT THEY ARE ALLOWED TO KEEP DOING SOFT PULLS NON STOP. I AM GETTING RID OF ALL THE CARDS I HAD THROUGH THEM. THEY ARE INSANELY DISGUSTING. HOPE THE FDCA DOES SOMEHING ABOUT IT ALREADY.THEY ARE GROSS. DO NOT EVER GET ANY CARD TO ANY STORE THROUGH THEM. ALL STORES THAT DO BUSINESS THROUGH THEM SHOULD STOP OR THEY WILL LOSE LOTS OF CUSTOMERS TOO.

Any time the wait time is too too too long any time during week days not happy with customer services.

Good luck trying to close accounts they will still charge you interest after the fact and make you pay it

I have never missed a payment or had a late payment. I have 6 accounts through synchrony and they keep cutting my credit lines to my current balance. This is destroying my credit score. Prior to synchrony, I had an 800+ score. With these crooks constantly putting my DTI to 100%, I'm at 580. My score is so low, that I can't even open other credit lines to balance transfer and get my score back up. Ironically, the use my lowered score, and high balances/available balance that they have created, as the reason to cut the lines again. This is a ridiculous cycle that I wouldn't wish on anyone. I run a business and am very reliant, and responsible with my credit lines. I'm not sure how to escape the bs they continue to do to my credit.

Synchrony Bank shut down our business fuel credit card (Sam's club MC). We had recently moved and called to verify our address. After speaking with several representatives earlier this year we were told all is 'good'. Fast forward a couple of months and they shut off our credit card to review the address. They shut it down late on a Friday before a very busy weekend! This is wrong on so many levels. We operate 24 hours a day 7 days a week. No courtesy phone call or alert heads up. Just shut down the credit card! Unfortunately, we use Sam's Club for fuel, and the issuing bank is Synchrony. YUK!