I've had a great experience using the Synchrony Financial app. It's very easy to navigate, which makes managing multiple accounts simple and stress free. I really like that all of my accounts are in one place. I can quickly view balances, check statements, and make payments without having to jump between different apps. The payment process is smooth and convenient, especially when I need to make a quick payment on the go. I also appreciate how organized everything is, making it easy to stay on top of due dates and avoid missing anything. Overall, the app makes handling my finances much more efficient and user friendly. Definitely a solid option if you have multiple accounts with them and want everything streamlined in one place. read more

By far the worst people to have your credit card issued from. I had a long time 20+ year account with them. I admit my credit score has taken a dip in recent months. It definitely doesn't warrant them closing a zero balance account without my authorization. Due to their negligence I now lost some points due to their stupid policy, whatever that may be. Do yourself a favor never get a credit card if it is issued by them. Their customer service is awful as well. read more

This financial institution with the horrible reviews. Google reviews, trust pilot reviews and now yelp reviews the verdict is in ! It's bad and needs to improve. My experience is through walgreens who teamed up with this bank to offer Mastercard. The initial process was not bad and the credit limit good but recently I was sent a letter my credit limit was reduced. Never late nor reached the limit. They blamed it on transuion credit agency. read more

I started a tooth straightening program with Byte aligners and they setup financing for me through Synchrony Bank. I made all the necessary payments without fail. My balance went from $406.00 to $1155.98 in one month. Because this was setup initially as a loan I never received any invoices. I tried to resolve this but I was unsuccessful. This is a major hardship and Synchrony doesn't seem to care. read more

Just wanted to say that @synchrony spelled my wife's name incorrectly four times on the account, despite me calling to correct it, and closed the account without telling me for have too many authorized user changes, which were all correcting my wife's name, that they screwed up. I wish I could have zero stars as an option. read more

Absolutely the worst company to have a credit card with. They reduced my credit limit based on what if. Even though my bill was paid on time every month. read more

I will definingly be closing my account 1.99 paper fee and crazy high interest rates.

Synchrony financial has always been good to me. Yes, some of their cards carry a hefty APR but to be expected. I always try best to not carry a balance and I don't get hit with big fee's. I've forgotten on a few occasions to pay my bill and they have always been very sweet and given me back my late fee. Customer service has always been friendly and kind. read more

Synchrony is a place where you hold for a lifetime. I have called for 3 days. Still haven't spoken with anyone. At one point I had a bexk's account which they closed. When I go on synchrony website Beck's not listed as their finance company. Something isn't right here. read more

Poor customer service!!! They bought my CCard from FNBO. It had the ability to download to quicken via QFX file. They are charging me same annual fee but offer NO download interface. CEO tells me to parse the data from my monthly stmt and after hrs of work CSV file doesn't work. Why don't they offer it as other bank do!!! I quit.!! read more

Synchrony Financial - CSV requirements to download to quicken ! other banks provide this as a customer sevice - Banks & Credit Unions Near Me - Stamford, Connecticut

BEWARE......I found myself having multiple Synchrony Financial accounts, Floor and Decor, JCrew and a few others. They seem to be the financial backing behind many cards. I was just reviewing their statement and I am disgusted by how they have chosen to display the Interest Calculation and Year to date fees. They have the balls to distort the image by using a "Dotted" background to disguise their 34.99% fee/amounts making it very diffcult to see the actual numbers. It's an insult to any educated consumer. Shame on you! Paid in full. Disgusting! CHECK YOU STATEMENTS!!! read more

I missed a payment because I never received my monthly statement. As soon as I got my next bill I called them to explain & they removed the late charge. And then I made a payment. Then I get a letter that they reported a late payment to all the credit monitoring companies. I tried to get them to rescind it but all I got was double talk. I have been a Synchrony customer for over 20 years and never missed a payment. I am disgusted and disappointed of this treatment. read more

I received an email message alert from Synchrony Bank stating that another account was closed on October 29, 2024, without good cause. The account has always been current and never been late on a payment, always abided by terms of the credit agreement. This is the second account they have closed (the Other one was Lowes), over a year ago. I have had the accounts for several years the reason they give is because of some stupid stuff like '"no real-estate loans", well, I rent, and I was renting when they pre-approved me for these accounts several years ago, nothing has changed in my credit profile except I have paid some credit cards off, etc. I have included some attachments that show their reasoning. They list several that doesn't apply to me.. read more

Synchrony Financial - Ridiculous letter - Banks & Credit Unions Near Me - Stamford, Connecticut

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Synchrony Bank, the issuer for TJX/Marshalls/HomeGoods credit cards, has repeatedly double- and triple-charged disputed purchases on my account despite multiple corrections. Customer service has been disrespectful, error-prone, and unable to process basic credits properly. Each dispute call takes over an hour, only to result in the same mistakes. Avoid these cards. If you experience fraudulent overcharges, report to the FTC at ReportFraud.ftc.gov. read more

Synchrony Financial only cares about the bottom line on how to rip off customers. Synchrony Financial doesn't care if you have surgery. Doesn't even try to work with you. Called three times got disconnected twice and hung up on by a representative. read more

Synchrony Bank has Sams Club Mastercard. In 5-2025 there was a fraudulent charge on my card. Synchrony Bank investigated and made me pay a charge of over $600 that was not authorized by me. I will never use Synchrony Bank credit cards again. They committed a crime. It has been reported to the FTC. read more

I had a terrible experience with Synchrony Bank. I was prequalifying for financing through one of their partners and was told it would be a soft inquiry only. Instead, it went through as a hard inquiry, damaging my credit. When I called Synchrony Bank, they admitted it was supposed to be a soft pull but still refused to correct the issue. TransUnion said all it would take is a letter from Synchrony requesting the removal of the inquiry -- but Synchrony flat-out refused to provide it. Even when I asked them to review their call recordings (where I was clearly told it would be soft), they refused, saying they cannot listen to recorded calls. This is a shady and misleading company. They misrepresent their credit process, refuse accountability, and leave customers dealing with the consequences. Do not trust Synchrony Bank. read more

AKA Carecredit....terrible company. There are tons of bad experiences on the fb pages. They are the ONLY credit card company with which I have had an issue. They created 2 accounts against my wishes and somehow have a credit on one and an erroneous $500 charge on the other. Makes NO DAMN SENSE. Their employees are terrible, giving contradicting information and justifications for erroneous charges. They need to be stopped....contact your attorney generals and other orgs please!!!! read more

The negative reviews are extremely accurate folks. Unfortunately; I have 4 credit cards with this incompetent company due to Synchrony buyouts. 4 accounts that I had for decades without a problem. Last October, yes five damn months ago, I called on one of my accounts to question a small charge. I specifically told the representative NOT to cancel my card. I just wanted to inquire about the charge. Whelp.....she canceled my card. Now, five months later, and seven time consuming phone calls (one with a "supervisor"); I've been told seven times that my new card would be mailed out right away. Nothing ever arrives. I have had the same P O Box for years. Even the postal employees know me. Nothing ever shows up. There's no way these idiots are following through and sending the new card. I'm done with Synchrony Bank. I'm going to payoff all 4 cards and close the accounts. I'd rather take the hit on my score (I can afford to lose the points for a few weeks without it affecting me), and be done with this company. Synchrony Bank does not GAF about any of us. Believe the reviews folks! read more

What a horrible web site they have to pay a bill. They have a lot of types of cards but you have to drill down several times to find the right card, then the access never works. I've changed my password dozens of times because they can never find it. So I have to use the phone to pay the bill, which I don't trust because you don't have an online record of it. Just put a simple button for the cr cards! read more

Synchrony financial sent me a notice about my Lowe's card that they were going to start charging me $1.99 per month for every month that I do not accept paperless statements. Like I don't have a choice well I do have a choice in response I cut my Lowe's card into little pieces. Synchrony financial will not bully me. I've notified Lowe's home improvement of your bullying practices and why I had to cut up their card because of their partnership with you synchrony. To blazes with you. read more

Synchrony Financial - Synchrony financial bank says... $1.99 per month if I don't go paperless . How bout I cut your punk ass card up for $0 a month? - Banks & Credit Unions Near Me - Stamford, Connecticut

Abysmal online interface to apply for a Lowe's credit card. No Problem, I'll use my Costco credit card to do my bathroom remodel at Home Depot. read more

WARNING! THIS BANK IS CORRUPT AND USES ILLEGAL PRACTICES! My mother died about 4 months ago and left a balance on a Synchrony credit card. When she passed there was no life insurance (I paid half and my dad took out a loan for the other half of her funeral costs), there was no savings, no will, no estate, and no trust. She had nothing. When my dad got this bill, he returned it with a copy of her death certificate. I just returned from a trip to FL where I helped my dad clean out the house and hold a yard sale, just so he could pay his electric bill as he is disabled and legally blind. So imagine my surprise when I received a bill from a COLLECTION AGENCY, AscensionPoint Recovery, for the amount of my mother's credit card bill! Only my mother's name was on the account. I do not owe this, but this bank and collection agency is hounding me for it! AVOID THIS CREDIT CARD AND BANK AT ALL COSTS! THEY WILL TRY TO COLLECT FROM PERSONS NOT LEGALLY RESPONSIBLE FOR THE DEBT! THEY WILL TURN YOU OVER TO A COLLECTION AGENCY ILLEGALLY AND THEY WILL THREATEN YOU WITH FINANCIAL RUIN! I worked hard for years to garner a good credit rating and this bank and agency are now putting that in jeopardy! AVOID THIS BANK AT ALL COST! I WOULD NOT RECOMMEND THEM TO MY WORST ENEMY! WARNING! read more

Thank you for reading my review, I want start off by saying i'm not claiming that Synchrony bank has done anything illegal, However; I do feel that their business practices appear to be what I would consider to unethical, I had take a loan out for a surgery procedure via Care Credit unknowingly (Loan is actually thru Synchrony Bank). When I took out the loan, I was aware that I needed to pay it off the entire loan fully during the promotion time or there would be additional interest, with that being said, I did not pay it off during the promotion period and I expected to pay a higher interest rate on my remaining balance, moving forward, I had never made a late payment or paid just the minim, however; what I was not aware of was that when I was not able to pay it off the entire balance during the promotion period, they went backwards into the loan and added interest/fees and tacked on more than $500.00. When I originally signed up for this account, I did not know it was financed through Synchrony Bank. Believe it or not, several years ago, I financed through Synchrony and was aware it was through them, this time it was Ashley Furniture, at that time I was not aware of their business practices, but once again, never made a late with a payment, never just a minim payment but they did the same thing, they tacked on a chunk of money to loan adding interest going back to the beginning of the loan. If I had known that Care Credit was Synchrony Back, I would never have never taken a loan with them. I did speak with a manager and it was like talking to a wall. I just believe in my opinion that Synchrony Banks business practices are very unethical. In ending all I can say is caveat emptor (Let the buyer beware) epically when it comes to Synchrony Bank. read more

If I could leave zero stars I would Cancelled my card after 4 years of paying on time because I had the nerve to return some items to Amazon and they accused me of scamming the reward system No notice nothing I had to race to change all my auto pays read more

It takes forever for them to post your payment to your account. If you call them and ask them to verify, they claim that NO ONE at Synchrony can (read: will) send you any kind of verifications. Purportedly, it takes 72 h from the time they receive it for them to post it to your account. They claim it takes 10 days for a letter to get from PA to TX. Well, the postal service is bad, but it does NOT take 10 days for a letter to get from PA to TX, even when they had those ice storms. The only good part is the 4% you get back with purchases toward your Verizon bill. Since I am getting ready to part company with them as well, I can't wait to get rid of this card. read more

You will reach customer service in the Phillipines? or India, get disconnected and if you call the American number you will get directed to a disconnected number. The bank incorrectly reported to the IRS and now I might have a correction in one month if the request was "rised" to the proper department by the supervisor in India. The finance rates are too high and there is no customer service. read more

Worst bank on the planet. Can someone please explain to me why it's going on ONE MONTH and not one of your lousy associates is ever able to help? They are fantastic at cutting me off, transferring me and raising their voices with their customer, but absolutely the worst at taking action. I cannot wait to get my account close, my credit card closed with this horrible bank and NEVER DEAL WITH YOUR IDIOTS AGAIN. read more

Beware when banking here. -Customer service. Any time you send them a message, they respond with generic "call us or try eBanker". In other words, their customer service reps have no idea what they're doing. It's like they have a sheet of paper and copy/paste generic responses every time they get a customer inquiry. The company does not enable their reps to understand their product nor do they appear to know how to escalate to someone whom may be able to answer customer questions given there is somebody who knows. -Their policy strays from other established banks. They have odd requirements that other banks do not seem to have under guise of security but really it's to make the customers' lives more difficult. read more

I've had the care credit card for over 10 years, I've never had an issue until now. I never missed a payment, there was almost always a balance since I used it for emergency vet visits and now my god daughter's braces so they've received a lot of money from me. Recently, I tried to pay my monthly payment like I've done for TEN PLUS YEARS. For some reason, my sister's account info was selected instead of mine. Mind you, EVERY time I've paid this card, it has been from my account, not hers. I saw that the payment was never taken out of my account and that synchrony charged me $30 to "return check." I checked my account and had enough in it so when I went to pay again I doubled the amount. I kept and eye on my account and still nothing was being taken from my account. So I called my bank and asked if they were refusing the payment, they said there was no record of payment for the month I asked about. Thoroughly confused, I called Care Credit asking them what was happening. That's when I realized that my sister's account had been selected (not by me) and she didn't have enough funds to process the payment. I immediately made a payment from my account. Tell me why my care credit account is now closed??? Are you kidding? Because I made 2 mistakes but still managed to pay on time, you close my account?? It may have been in the small print when I signed up but that's fucking ridiculous. No one tried to contact me, it was just one day, no more account. Ok. read more

Abvously the reviews speak to themselves. Horrible shark bank type of financial company that takes advantage of Lowe's customers by charging them retrospective interest for a whole year at 26%. I don't even know if Dept of Treasury knows about their practices but I'm reporting them and going to my Congress representative. They'll put an end to their practices. I told them I'm not paying any interest and closed my Lowe's account. So they can send it to collection. Now they just call and hang up so I'll put them on my spam list. These are exactly the companies that give banks a bad reputation, I'm with Citibank and they're awesome. read more

I have a complaint against them with the Consumer Financial Protection Bureau AND I encourage EVERYONE to file with them as well. Also contact your local news station! I also filed a complaint with both CA and CT (where their head quarters are) Attorney General's Office. Ever since they forced charges for paper statements, I closed my account. Although closed, I still make payments because I still owe them money for using their card though it's at 0% interest...no point paying something fully off if it is at a 0% rate. The problem is, when making a payment, this is the ONLY financial institution that refuses to provide a receipt at the time of the transaction. Recently, I paid over $1.2k+ towards one promotional plan that was about to expire. No matter how many times I requested a receipt, I was informed that I'd have to WAIT until they issue my next statement!!! This is approximately a 30 day wait! I called them approximately around November 13th. During this call, a rep. informed me that she was going to send me my receipt. Approximately 7 days later, I received a letter indicating I "made a payment" and would have to wait for my statement (this only confirmed what they told me verbally since day one and was of no help). However, the letter also indicated that I could go online to view my transactions. Sooo, I called on November 20th, 2024 (ALWAYS RECORD CALLS WITH THEM) and was advised that I could register an online account to finally view my receipt. I continued to question the rep if I would be charged $1.99 because I STILL wanted paper statements. I was told by the rep. that because my account was closed, I would NEVER be charged for the $1.99 fee to view my account online AND to continue receiving paper statements. Well, the next morning, November 21st, 2024, I noticed in my junk email folder an email from Synchrony Bank fully indicating that I WILL be charged the $1.99 fee! I called Synchrony Bank ASAP and was told that the information I was provided the day prior was incorrect. I immediately took screenshots of my payment for $1.2k+ and said now that I have a permanent record of my receipt, I'd like to close my online account and continue receiving paper statements at NO charge. These incompetent buffoons literally told me, neither I or they (the rep. on the phone) could close my online account and the only recourse would be for someone to call me! I most definitely informed them that I didn't have my phone attached to my hip and I may not be available at the time of their call. This absolutely insane recourse only causes more undue delays and burdens! This is by far bad business practices, illegal already with the fact that they refuse to provide me with a receipt, and so much more. What's even worse is, even after making sure that their general counsel was aware of this, they are STILL grossly neglecting what they are required to do. read more

Beware! This company is real bad news. Do not take out a credit card through P.C. Richard's. Synchrony Bank handles the credit, not P.C. Richard's. It is a scam. The salespeople offer credit free payments but in reality, it is just a promotion. After a limited time, Syncrony starts charging fees at an unbelievably high interest rate. They are just legalized shylocks. You set up automatic payments, they do not send out statements. Their customer service is shameful. If you do t read the fine print, you wind up paying 4 times what an item is worth. read more

I have a new credit with Synchrony & so far it's been a customer service nightmare. I called them & although the rep put me on hold to talk to her supervisor, she refused to let me speak with a supervisor....as I still had a number of questions that she was not able to answer. "I would hear back" was all I got, they would text me. I asked her how will she do that when calling from a landline? I'm ready to lift the money out of savings to pay this card off because I'm not dealing monthly with these folks who can't answer questions & refuse to let you even try to resolve a matter with their management. read more

Synchrony bank are scammers! I bought furniture at Ashley furniture in 2021 financed through synchrony. I have paid on time every month. Last month they added 1.99 paper statement fee then charged 2.00 interest and $31.00 late fee!!!! I complained they said will reverse the charges so my minimum logically should be back at $160. But no I was suppose to pay $193 even thought $33 was being reversed I was not told that and paid on time $160. This month they charged $41 late fee and $2.00 interest. Spent over an hour on the phone they finally agreed to referee the late fee but not the interest. They cannot really explain what I am paying interest on. Outrageous Scam! Don't ever use synchrony bank. Walk out of the store if that the bank they use for financing. It really deserves a zero read more

This bank is horrible, and the customer service reps were only reciting a script, and refused to answer direct questions. They would not respond to any simple questions regarding credit limit, terms and conditions of the interest rates, or promotions they would promote through one of their partners Discount Tire. This is a useless, unethical digital bank that I will no longer do business with. read more

I pay my bill every month and instead of lowering my apr and being treated as a valued customer. APR is going up. I spoke with a representative and she had nothing to say regarding valuing me as a customer with maybe something good not a punishment. Too bad for them I will be going somewhere else. read more

Beware! Beware! Beware! This bank should be ashamed to even call themselves a financial institution. Avoid using them at all costs. I am financing a purchase through them and their customer service is garbage. The "managers" are rude and obnoxious. They refused to provide me with copies of my paperwork because guess what?? They don't have it, and they are not capable of sending it. There is no higher ups to speak to on their customer service line and the "manager" Donna that I spoke to, quite frankly didn't care about my issue, did nothing to resolve my problem and basically said too bad. Stay far away from this incompetent so called financial institution. Shame on you Synchrony Bank. read more

very bad customer service. You cannot speak to a person who knows anything. The Bot is very limited in the I go it knows. There is no email address to send an email. read more

Someone hacked into a 16-year-old credit account I had with this Bank and got money out of them on my name . When I first called the customer service rep told me oh don't worry about that phone call which is totally wrong response for them . I called again and insisted I talked to fraud department finally they saw that someone had stolen money from them in my name and did get it fixed . At least the second rep persevered and got my account fixed instead of telling me to forget about it . read more