I used to be a big fan of Synchrony Bank. Then I had a minor dispute with a merchant. My advice: try to resolve it with the merchant. Synchrony's investigation appeared to me to be negligent and uncaring. read more

BEWARE DEALING WITH SYNCHRONY-PAYPAL!!!!!! I have been a PayPal customer for over 30 years, but using a Chase credit card for every day purchases. I decided I wanted to put all of my business purchases on a separate card and opened a PayPal Credit Card in about 2 minutes with a small limit. Since receiving the card, I've put on a few purchases for fuel, food, Amazon and the cleaners...all WITHOUT any drama! Today I wanted to fund an App I use for lottery purchases in my state which I have been doing for years with the Chase card, no issues. BUT today, I kept receiving "Sorry we cannot complete the transaction, contact your bank "Synchrony". So I called and got some of the truly dumbest, incapable of reasoning customer service agents I have ever had the "pleasure of dealing with!" After the agent said there were no issues on their end, I still could not load the PayPal Credit Card onto the App to use. After being on hold for several minutes, the agent came back and said (this is good!)"After speaking with my supervisor, we need to get a higher level of authorization from you. You must SUBMIT a video of yourself telling us your name, address, phone number, email address and SS#!!" I BLEW A GASKET!!!! My credit score is WELL over 825, have other credit cards with huge limits and was approved for this PAYPAL CREDIT CARD in less than 2 minutes!! I am CLOSING MY PAYPAL ACCOUNTS, CREDIT CARD, DEBIT CARD and blasting them here for being disrespectful and argumentative to a LONG TIME cardholder!! GOODBYE PAYPAL!!! I NO LONGER NEED YOU!!!!!!! read more

Never use Synchrony. If it is your only option- just don't make the purchase or go somewhere else to buy what you want. After setting up the financing I selected autopay for the minimum amount due. On the due date they charged me for the entire amount of the loan, putting my bank account into negative state. Took many, terrible phone calls, involving my bank, to get my money back. I got it back 3 days later...... and THEN THEY DID IT AGAIN! Bad first impression. Over the course of the next 3 years I had a few late payments and the late fees/charges were different everytime. When I tried to reach out for just a breakdown of the why this was, there was never a true explanation other than "fees." Finally just made my last payment to them. But, I've seen in other reviews how people were still contacted by synchrony after the final payment was made asking for more money. With that said, I just hope this is the last I have to deal with them! We'll see. read more

My husband purchased a motorcycle through this bank, he was making payments on the loan for it, then all of a sudden the bank stopped sending him the monthly invoice and turned his account over to a collection agency, so my husband called them to get this straightened up, and they want him to make several very high payments on it. He wasn't even behind,, his normal payments were only around $136 a month, now they want over $550 a month payments. This is not a good company to do business with. Submit read more

They simply do not care about the customer. Knowing carecredit would be for someone financially struggling, they take advantage. I have closed my account and am on auto pay on a program through them and they still negatively repot to the credit bureau. Unjustified, I have given them permission to TAKE money from my account, they KNOW they will receive it. And still make derogatory reports well after this agreement. This is wrong and when you call them "we have to report it". I am disputing it. read more

Worst so called bank ever! Just paid EXTORTION money to them to get them off my back after closing my account almost 8 months ago! Interest and penalties they said. A small amount in comparison. They didn't want to let go and kept trying to do an auto-pay on my behald. Then they would charge me interest and penalties when the transactions failed. They tried and tried to take monies from my checking account to the tune up over $2500.00 for nothing. I showed them proof that I had paid what they were collecting for, etc. They are relentless even when shown the facts. I reported them to all three major credit agencies and got some relief but not final closure. I couldn't take it anymore, and just paid them off before they could lower my credit score to rock bottom. Stay away from them and their easy credit card scams... save yourself the headache and heartache of losing your money to them. read more

DO NOT USE THIS BANK!! (Brandsmart Credit Card Partner. I bought a washer and dryer in February 2025 made cash payments at the Brandsmart and received electronic confirmation from Synchrony Bank -received statements with 0 balance- Then 4 months later they say I owe then $1400, I show them proof and still a year later I try to get this cleared up- I called the 800 number and they wouldn't even give out the corporate address for legal documents and had to google for it. THIS BANK IS A JOKE- NOT - STILL HAVE THIS ISSUE- DO NOT USE read more

I've dealt with many banks in my lifetime, Synchrony Bank is the most incompetent bank that I've ever known. Very difficult to work with and only thing they care about is harassing you after they caused you to miss a payment which they canceled. It's amazing that they're still in business scamming people saying it's the Customer's fault for their stupidity and incompetence. Heed the Warning!!! read more

Do NOT take out a credit card with Synchrony! I had an extremely difficult time last year and fell behind on some payments. As soon as I was doing a little better, I paid off my ENTIRE BALANCE IN FULL last month. What did they do? Did they raise my credit limit? Send me a letter congratulating me for my hard work? NO! They LOWERED MY credit limit to $100! They are greedy, soulless monsters who don't care that someone was having a hard time and is finally doing better! read more

They're dishonest about their service. Will not take responsibility for their mistakes. Left a digit off my autopay bank acct number. Payment didn't go through - of course. I called, told them their error asked them if my credit rating would be affected - no, they said. Next month - SAME mistake! They DID report it to the credit bureau. Cost me 40 points. DO NOT trust this bank! read more

This review is for the Synchrony Car Care- Americaś Tire Company credit card. I paid my balance in full several weeks in advance of the due date. I noticed today a $3.99 in interest so I called and spoke with ¨Logan¨ and requested to have it waived from my balance. He stated that he could not waive it. I am really disappointed in this bank especially when I have been a longstanding customer, have never had a late fee, pay my bills on time, and no courtesy from them whatsoever. I would not recommend this card to anyone. They do not appreciate good customers. Do not waste your time with this bank. read more

This Bank is beyond pathetic. They use a teaser high cd rate to get you to open an account. Than at renewal time the rate drops like a stone. You are better off getting the berst rates at a Brokerage Firm like Schwab. ....But the worst thing is the identification process for closing your account transactions. I gave them several passwords and answers about my High School so they know its me when I call in. They are so paranoid about identity theft that they make things very inconvenient. They insist on sending messages to cell phones, smart phone apps, etc. I am in my late 60's and mostly use a computer. Yet they say e-mail messages can't qualify as being secure. Even though I live alone and keep my computer out of site. Customer Service is worse with these People than it is your local Cable Company. read more

this company is worse than dealing with loan sharks ...my senior relative got swindled by a "gypsy driveway paver" without knowing what was happening. he signed her with a synchrony credit card. we now find out to use their "auto pay" system, they were charging her one hundred sixty six dollars a month!! what legitimate credit card company even does that?? to reach them, they inundate you with multiple phone numbers that keep you on hold. dealing with them is a nightmare. no matter how cheap a rate you think you are getting, do not ever use them for any purchases. they are the lowest of the low, in terms of scum. read more

I have a PayPal. Credit account through sychrony and they over charge me for purchases I've paid twice for I got a hold of them when I noticed it and they give me a credit and told my balance was zero and then 41/2 months later they rebuild me even though it was paid for and I called them again and tried to straighten it out and they told me that they couldn't do anything about and I would have to pay for it again and I paid for things I had returned and didn't get credited for they charged me for it and I had returned or canceled the order with in the proper time and still had to pay i am paying off my account through PayPal credit through sychrony tomorrow and want to warn everyone that in less you like paying twice for things and paying for things that was returned you should stay away for paypal credit through sychrony unless you want to pay twice or not get credited for returns read more

Terrible experience with this bank. They are not looking out for the customer at all. The "managers" tell you "I can do anything for you". Such a terrible experience after being a customer for more than a decade. Never again will I do business with them. A true scam. Stay away from them. I had the same experience as all the others. They don't warn you about a promotion ending and relaying on collecting deferred interest payments. read more

make me pay for a botched car repair job. Do not use meineke car care!!! They didn't care that it was a botched job I told them the situation and they still forced me to pay read more

This company is trash, one day late one time in so many years of being a consistent customer and couldn't assist with waiving late fee and reported me To Credit Bureau. read more

They cancelled my Credit Card for no reason. I have a credit rating of from 791-825. I couldn't even log into my online account for the CC. This bank has their fingers in a lot of businesses. Would recommend asking if the lender is Synchrony and if so, decline. read more

Do not acquire a credit card from this company. They will rob you blind every single month and every single month you will need to call and deal with it. Do not use this company. read more

ABSOLUTELY WORST BANK I'VE EVER HAD A CREDIT CARD FROM. DO NOT WORK WITH THESE PEOPLE THEY ARE SCAMMERS I was told on December 13 that I would no longer have any more interest on my card as long as I paid $1516 by Jan 11th. MIND YOU I PAID EXTRA WITH $1570. Paid everything off before the date, then 2 days later they charge me more money on my account that I closed out. I tried calling them and was sent around in circles by their account managers who even said this weird rule that you have to be helped by 3 account managers in order to be helped by superior authority. Then I just get sent to the 4th account manager!! She couldn't even tell me the math on how I was getting charged. An account manager can't tell me the math of how I'm getting charged interest??? read more

I opened an Amazon prime account which is unfortunately through Synchrony bank. About 6 months after opening account I made two payments one month from different banks intending to pay my balance off. I went to my synchrony account days later and saw "account closed." I wasn't notified by phone, email, or text. After looking into further they declined one of the 2 payments I made after showing processed and paid. Luckily I made the 2nd payment so they couldn't report any late or delinquent payments but clearly they don't want customers that pay their bill in full every month. Scandalous read more

Synchrony bank are thieves liars and cheats. Don't do business with this company. We bought a bed from sleep number and we were making payments to these people on time every time and they sent us to collections, saying that we didn't make our payments on time. Even though we proved that we never missed a payment.These evil people didn't care and sent us to collections. read more

This by far is the worse bank ever. I had setup my automatic payments and they deliberately didnt charge me for 3 months towards closing my balance. Three months later a charge of $900+ and $1300+ interest in addition to my balance. I had to opt for interest free easy from credit bureaus only to find out they charged me the entire balance of $5800+ which i never authorized. If i don't get my refund, i am going to consider legal options. They is a scam to say the least. read more

HORRIBLE CUSTOMER SERVICE!! No knowledge of banking business was my experience. Their biometrics/face scan took 45 minutes to work after trying Every room, hallway, outside, lights on, halfway lit room, ie...and Even Then spent Another hour the next day with customerservice and had to try to redo!!?! SAVE YOUR TIME...PLUS, when tried to loggin to my acct, didn't recognize my cell phone that was Clearly correct and in Their system, properly, so spent another hour with a rep, another hour with a supervisor, and it Still had me locked out!! UGH!! RIDICULOUS!! I took my business elsewhere. God bless em. Happy holidays, Love and light to All read more

Terrible customer service. I have had a PayPal credit card for a few years now and never been late. I have always paid it before the due date. I decided to pay it off so I would have something to use for a vacation coming up and as soon as I did, they cut my credit limit to $100. Really??? Is that how you treat good customers. Unbelievable!!!! Never again Synchrony Bank. read more

they screwed up my credit score and I don't even have an account all they employ are foreigners read more

Horrible, horrible, horrible experience! A huge amount of money was fraudulently removed from my account. It has been restored, but my account is restricted and I cannot access the money -- it has been a month! Worst experience with a bank in my entire life. Avoid them like the plague. read more

Sam's club uses synchrony. They are the WORST bank I have ever dealt with. Double charged for airline tickets. It should have taken 10 minutes to resolve. I has to spend 30 to 40 hours with many different people before it would be resolved. read more

Hmm.. Paying what cards I have with this place off. What a joke. One of the worst. Wish Comenity would get some of their big accounts. You chat and ask questions and reps are clueless. Also if you are not keeping a balance and you pay off they are quick to close. Doesn't matter if you pay on time or pay more. Always pay on or prior to the due date. Wish Amazon would use a different bank. HORRIBLE read more

Predators. Told me 48 month 0% percent. Not even a year into purchase and ive been swindled out of 700+ in intrest and in fees.

Evil company. Closed my account that was paid in full. A listed reason was that I don't have a current mortgage. So I'm not in enough debt for them i guess. Their goal seems to be ruining credit scores/ lives. Customer "services" are cold and callous. Do NOT recommend! read more

As a PayPal customer, I was offered a Cashback Mastercard via Synchrony Bank. I spent less than $500 and earned $60.87 cash back. When I went to pay my bill, the system would not let me redeem the amount towards my bill payment. I contacted customer service to find that my account had been closed (not by my request) and that I forfitted the cash back amount. I requested an escalation to try to resolve this issue several weeks ago and again today. They thanked me for being a valued customer, yet I do not feel valued. Synchrony reneged on their end of the account and now I'm expected to pay off the balance. PLEASE do not fall prey to this SCAM!! I am going to file a complaint with the bank, write as many poor reviews that I can and advise people of deceptive financial practices by Synchrony Bank (like nobody already knows!). Stay safe. read more

If you have your payments on auto-pay and you do deferred interest, be very careful and monitor each statement. I fell for the trap and didn't notice my auto-payments were being lowered over time so I had a balance at the end of the promotional period. Long story short, my balance exploded and ended being more than what I started with because they retroactively charged all the interest and then started adding in interest month by month on top of that. I was thinking the card was almost paid off until I looked at it. I am taking great joy in closing all my Synchrony accounts, especially the one I use almost on a daily basis. My credit score is well in the 800s and the hit from the closed accounts won't affect a thing. I will NEVER use a card or credit that's owned by this company again. It is comforting reading the reviews and see that I'm not the only one that fell for this as I felt so foolish for allowing this to happen. Most definitely a lesson learned. read more

My wife and I have over 830 credit score and have had our Sam's club card for years with synchrony Bank. Had a Friday issue and they sent us a new card that we were only able to use 3 days before they locked us out again. We couldn't use the card for months All the verification processes failed on several different days and we even mailed in paperwork which of course was not good enough. We had the Sam's club representative on the phone with them for 45 minutes at the service desk and they finally straightened it out. I closed my account anyway. Then my Lowe's card was locked out of signing in because I screwed up my password twice. They wanted me to go through this whole process that I just went through with my Sam's card again with verification and there's no way in hell I was going to do that. I just closed my Lowe's pro account with synchrony Bank as well. Absolutely horrible the way these people could care less and make this process arduous on purpose. If there's any way possible the rest of my life I will never do business with these people again. read more

Treats their paying customers like shit by removing credit to the point the account is now over limit.

Beware of this credit card company I had numerous credit cards through this company opened for many years. Never had a missed payment. Always paid more than the minimum payment and then all of a sudden they closed every one of my accounts I believe they closed my accounts because I do not play their predatory game that they prey upon people with The vast majority of my purchases were made taking advantage of their zero interest. Deferred promos and I always paid them off in full before any of the interest kicked in They made the offers and because they didn't make any interest off me and I played their game they closed every one of my credit cards So beware of this company. They are scammers. The only way you are a good customer in their eyes is if they make a ton of interest profits off of you read more

First of all it would be great if the had some answer the phone that you could understand. Beware of Care Credit and Synchrony Bank I just bought them for 37 dollars. When I got the card for dental work the Dentist told me it was for 1 year to pay off I paid my bill each month on time. I called to pay it off early and get rid of the card. They tell me i have 500 dollars in interest charges because my promo end 14 days earlier which was 6 months. I asked the agent to pay off the amount i owed without the interest and that i was not paying it -Some should have called to alert me of this. I called back to make sure the account got adjusted as the agent told me they would do. They never did it and after arguing with the new agent she adjusted it and still worked me over for an additional 37 dollars WTF!!!!! I paid and close the account and Posting this Beware! They are rip offs and they cant wait to stick it to you. Go somewhere else and tell everyone they are crooks and not forthright or have any care for their clients. 500 dollars interest on a 2000 dollar charge for 6 months Some should got to jail. Synchrony Bank and Care Credit is a scam to rip you off you outrageous interest charges. Do yourself a favor and Some mentions any of the aforementioned Run away they will rip you off. read more

If I could give them negative stars I would. I have made ALL of my payments (exceeding the "minimum amount due") on time yet, this outfit has claimed that my bank has "dishonored" a number of payments. There is zero evidence of this and in fact I see all of my payments to Synchrony coming out of my checking account on time. I called my bank to see if I was possibly missing something and was told that they have honored ALL of my payments to Synchrony Bank. Synchrony has cancelled my CareCredit account and reduced my credit line on my TJ Max credit card... again, ALL payments have been made before the due date! I have spoken with their customer service department several times with no resolution. They can't prove that the payments were not made because each one shows on my Synchrony statement! It's like trying to talk to a crazy person. If all this isn't bad enough, they've reported me to a credit bureau! read more

I changed banks and Synchrony verifies the bank account by placing 2 small deposits into that account. After verifying the deposits I was allowed to make a payment. So I paid the card off which was just shy of $400. Then checked my Synchrony Bank CC statement. They were taking the payment 3 times. I spoke with a Supervisor who told me they will take all 3 payments and I will have to file for a review after they take my money. Then if they decide to refund their error, I "should" receive a refund check in 6 to 8 weeks. They refused to budget on their error even though I caught it immediately. I advised that I would have those charges blocked and pay from my original bank account which is still open and funded. Synchrony Bank actually threatened a negative credit report, fines, and cancelation of my card. I have never been late on any payment so I did so regardless and will be happy to see that account be canceled. I will also cancel my Lowes and Academy Sports cards which I used for store discounts but will not deal with them again. read more

I applied for their credit card and they told me I'm not approved, and a month later I found a card from them on my mailbox. Now I can't cancel because my credit will go low. I called them and the lady was soo rude. You're the worst bank, doesn't know how to explain, doesn't even know how to talk to people. Is that how you look for customers? You're scammers!!! I don't want your credit card! read more