Synchrony Reviews 

Horrible phone service..I verified my information..changed to paperless billing..my account is on autopay..I have 1 credit card balance remaining and I will have a 0 balance..now all of a sudden they don't have my email and will charge me a fee..where were my previous emails sent?..oh they can't tell me that only verify the email I tell them...how dumb is that? You taking my payments without an email...I guess they will see my email on this review and they can verify it's me

I spoke with Anita, the account manager, regarding questions about my statement and the large amount of interest added to my account. Unfortunately, the experience was very disappointing. I was simply trying to get clarification and request a short extension on my grace period, but she was dismissive and unwilling to help due to “company policy.”

As a loyal Ashley customer for years, I expected much better customer service and flexibility. The process was also frustrating because although most account features are online, I was still required to call back multiple times, making the situation unnecessarily difficult.

Thankfully, I later spoke with another representative who was extremely pleasant and much more helpful, which showed that good customer service is possible. However, my interaction with Anita left such a negative impression that I no longer plan to use Ashley financing in the future. Once this account is paid off, I do not intend to use an Ashley card again.

I worked with Luz on details for disbursing a trust to its benefactor, and she was extremely friendly and helpful. You have a good one with her.

NEVER AGAIN! I used Synchrony for a 1 year CD deposit. The rates were competitive, so no problem there, but when it matured it took me FOREVER to get the funds. They had a daily transfer limit of $25,000, but each transfer had to be cleared by the receiving bank before they would let me initiate another one. It took me almost 2 weeks to receive just over 50K in funds.

I think this is on purpose. They hold your money as long as they can in a "pending" status (paying no interest). I have never had that problem with any other bank.

Customer Service, worst ever. They continue to not represent us in disputes, last time we disputed same problem four times until they said no more on that same issue..

Did not represent us, did not give any reason for denial s although we produced all the information in detail, pictures and everything.

So now, never again as will fund our purchases from Sam's Club and Amazon through another sewrvice.

Hello,

Whatever you do, don't use this bank! They are the worst at making a payment. You have to provide your routing number and your account number, which is horrible! I spent 45 minutes on a phone call trying to make a payment, and I’m closing this account as soon as possible!

5284 - was against helping me; she doesn't care if you get a late payment. Here is me using my lunch to let her know there is an issue. She tells me it's your card, the same card you used to make the first payment.

@amazan, please be aware of this by having them or patching with them.

If you're having financial trouble and are paying back your debts - make Synchrony the absolute bottom of your priority list. Even if you have years of on-time payments with them, they'll close your account anyway the second your credit score dips and then customer service will tell you that all appeals are basically shredded on sight by upper management. Synchrony seems to pride themselves on giving the finger to you for making sure your accounts with them are current.

Please do NOT apply for a credit card/store card overseen by this company, you'll regret it.
First they start with their "New" sign in procedure. All a mess and I ended up having to call to get it sorted out. Then....
I decided a Walmart/OnePay credit card might be a good option for me....Big mistake. I took a day trip, called into a couple of Walmarts in different towns, got home and nipped to Walmart to get dinner. Low and behold my OnePay card was declined "For security reasons".
Three/four weeks later, having to provide a photo of my ID (Front and Back), Facial recognition (Video and Photo Graph) and STILL my card is locked.
I guess the moral is:- If you have a Synchrony credit card/Store card, Do NOT use it in three different towns unless you advise them first and even then they'll probably lock it!

Mai sentiti è mi hanno rubato 2200 dollari

RUN AWAY FROM THIS UNFAIR HIGH INTEREST BANK

Synchrony Bank cancelled my Lowes credit card citing a poor credit score and delinquent account. My credit score is 849 and the delinquent account is for $22.83. Synchrony sent the bill to a previous email address, not the email address on file with Lowes. I paid it last night plus the balance for the range I purchased one week ago. I called Lowes when my card was declined last night and Lowes customer service transferred me to Ricky, a Synchrony collections person and Ray, a Synchrony manager. Both acknowledged the incorrect email address and declined to reverse the decision. All future shopping will be at The Home Depot who uses Citi Bank. Lowes made a terrible decision to do business with this bottom feeder company.

We had a business Sam's Club card with this bank. We closed the business 2 years ago. Closed all bank accounts and credit cards. Synchrony Bank did not cancel and allowed companies to collect subscriptions on canceled subscription's. Again we called to cancel the card and pay off the fees and their late fees and cancel the card. OK 2 years later and its still going on Sam's still hitting the card for membership and Synchrony still playing this game THEY DO NOT CANCEL THIS CARD AND CONTINUE WITH THEIR LATE FEES WHAT A CROOKED NASTY COMPANY I GUESS I AM GOING TO HAVE TO GET OUR STATE ATTORNEY GENERAL INVOLVED AS THIS HAS TO BE FRAUD

I have had 3 accounts or more with Synchrony for a bit and they were kept paid on time if not ahead.

Twice now out of nowhere with the account paid in full the account has been closed. Not much financially has changed for me so I do NOT understand why they were closed.

I would not recommend them to anyone. Overall been a hassle to get dealt with to manage.

Worst bank have ever had in my life I had a polaris sxs financed threw them they ended up charging me way.... to much in interest on payment I made called them so they could get it straightened out they said nope everything is correct on are end. Wrong so they started stealing my money so I paid loan off but they supposedly lost the check 3 months ago still have loan threw them even though the $21,000 check shows cashed can't get rid of loan now and out $42,000 THESE PPL ARE SCAMMERS

I use my Sams Club card frequently and as a default payment method. I pay it off completely every month.

But also every month I have to go without using it, and thus receiving no Sam's rewards for the 7 to 14 day time period it takes them to reflect my payment in my available credit. Their horrible bookkeeping has cost me hundreds in rewards dollars (you are supposed to get $3 back for every $100 spent at Sam's Club- and I spend a LOT there!).

In 4/2024 I financed a purchase with Synchrony Bank, 4 years no interest with regular monthly payments. I set up paperless statements. In 12/2025 I got a paper statement which I discarded since I was paying with automatic bill pay through my bank. I just got another statement and noticed they were charging me $2 per paper statement (which I didn’t ask for). They also started charging me $1 interest on that $2 statement. I called and they said they didn’t have an email for my account (which is a lie) so after 16 months they started sending paper statements. They removed 1 of the statement fees but said they couldn’t remove the interest fees they had been charging. If you use Synchrony Bank for anything beware of unethical (illegal?) sudden changes in your account with unexpected fees.

This has been ongoing for several years. Company persists in rejecting all offers of credit, alleging that my cell phone number is not valid. Considering that I have had the same number for over 15 years, that allegation is completely preposterous.

Phone contact with the company's representatives are beyond frustrating and totally unhelpful. Total and absolute Kafka time.

My experience with Synchrony has been a nightmare from start to finish.

I ended up with this card completely by accident. I was at Mattress Firm, and the salesperson was extremely vague, failing to explain that I was actually opening a full credit card. Now I am stuck with a card that has a $7,000 limit but absolutely zero value to me. There are no sign-up bonuses, no rewards structures, and no benefits. It is just a useless line of credit that I never intended to open and I have only used once for the Mattress Firm.

As bad as the sign-up process was, the technical side is even worse. They recently changed to a "new" login system for absolutely no reason, creating a literal catch-22 that makes it impossible to even manage my account.

Here is the situation: The new system demands my full account number to re-register, even though I had been registered. I can not get the account number because every email I have from them has the account number redacted (only showing the last 4 digits). I never received full PDF statements via email, so I can not look there. I am somehow still logged into the mobile app on my phone, but it is completely dysfunctional. It refuses to load my previous statements or account details, just says "No Statements Available".

So, to log in to the new website, I need my account number. To get my account number, I need to view a statement. To view a statement, I need to log in (or have a working app). I am completely locked out with no way to retrieve the one piece of information they require to let me back in.

Between the misleading in-store practices, the uselessness of the card itself, and a technology ecosystem that traps you in an impossible loop, I would recommend avoiding Synchrony or Synchrony Bank or whatever their name is at all costs. Terrible website, terrible app, terrible business practices.

If there’s 0 star, I will probably rate zero on this Synchrony bank! I have my ebay credit card like for 3 yrs, at first this bank gave me 2k credit limit and after 6 mos it increased into 2500k. I asked for my credit line increased and they gave me 4k. I was so happy because I always used this credit card for big purchased like plane tickets, jewelries etc. I use it wisely, paid on time and never miss any due dates and pay bigger amount more than minimum but suddenly after 6 mos they decreased my credit line from $4k into $100! I was really upset and called the customer service but they could not do anything about it! What is the sense of having $100 credit limit???? I will close my credit card from this bank because they are not fair!