Synchrony Bank
Synchrony Bank Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Synchrony Bank has a 1.4 star rating from 568 reviews, with 34% likely to recommend and a heavily unfavorable rating distribution; most consumers report dissatisfaction.
Key Takeaways for Future Customers
- Read Synchrony Bank reviews before applying for retail credit cards or PayPal/merchant financing.
- Expect long hold times; bring documentation when disputing charges or billing errors.
- Consider alternatives if you need reliable customer service or timely auto payment handling.
Negative Feedback / Risk Areas
- Frequent Synchrony Bank customer complaints cite poor customer service and hard-to-resolve billing disputes.
- Reports of account closures, credit limit reductions, and unresolved fraud or refund issues harming credit reports.
- Website access problems, long holds, and unexpected fees create risks for automatic payments and subscriptions.
Positive Feedback
Occasional reviewers noted a helpful representative and that high-yield savings interest was attractive, though service issues diminished overall satisfaction.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Synchrony Bank has a 1.4 star rating from 568 reviews, with 34% likely to recommend and a heavily unfavorable rating distribution; most consumers report dissatisfaction.
Key Takeaways for Future Customers
- Read Synchrony Bank reviews before applying for retail credit cards or PayPal/merchant financing.
- Expect long hold times; bring documentation when disputing charges or billing errors.
- Consider alternatives if you need reliable customer service or timely auto payment handling.
Negative Feedback / Risk Areas
- Frequent Synchrony Bank customer complaints cite poor customer service and hard-to-resolve billing disputes.
- Reports of account closures, credit limit reductions, and unresolved fraud or refund issues harming credit reports.
- Website access problems, long holds, and unexpected fees create risks for automatic payments and subscriptions.
Positive Feedback
Occasional reviewers noted a helpful representative and that high-yield savings interest was attractive, though service issues diminished overall satisfaction.
Media from reviews
North Ridgeville, Ohio
Change bank account
- - Service is poor.
- - I want a live representative to update my account number used for withdrawals.
- - There seems to be no one available to assist.
Service is horrible. I want to speak with a live representative to update my banking account number that Synchrony uses to withdraw and complete my credit card payments.
Apparently, there is no one to do that! I understand pissed customers, but I want a human representative to speak with!
User's recommendation: Don’t use this bank that is owned by Amazon.
This company deserves a class action lawsuit!
- - Synchrony closes accounts for low usage, without notice.
- - Limits drop for inactivity, raising utilization.
- - Hard inquiries may occur.
Synchrony Bank is single handedly destroying everything that credit builders/rebuilders work so *** hard to achieve with their greedy Mickey Mouse system. In a world where credit scores determine so many futures and outcomes, you're better off WITHOUT Synchrony Bank.
(Especially if you're trying to increase your scores to the 700-800 range.) Don't believe me? Do a little research before accepting a new line of credit from them. They close accounts in good standing due to lack of use/no use...WITHOUT NOTICE! = NEGATIVE IMPACT ON YOUR CREDIT SCORE!
They decrease credit limits due to a lack of regular spending. = Increases credit utilization = NEGATIVE IMPACT ON YOUR CREDIT SCORE! Their entire operation is a designed to FAIL the consumer. It may be in their terms and conditions, but believe me when I say that it doesn't matter how meticulous you are with paying bills, if you're not utilizing a fair amount of your credit lines issued, they will take them away, ultimately leaving you with the very thing you want to avoid with revolving credit accounts.
(high credit utilization) If you think you're doing a good job by maintaining a zero balance, think again. They will close the account. WITHOUT NOTICE and not even think twice about because it's automated. Closed CC Accounts = NEGATIVE IMPACT ON YOUR CREDIT SCORE!
My experience? CareCredit limit reduced by $1500 to only $500 due to lack of regular spending or use...it's *** CareCredit! (I used it only for vet services.) Their response..."If you can find a Rite Aid, you can use it like a credit card." Unfortunately, I don't shop at Rite Aid. I never have.
Nor do I have any plans on doing so anytime soon if at all and I'm certainly not going to drive around looking for one just to keep my CARECREDIT account alive. That would be absurd. Another response was, "You can request a credit line increase." = HARD INQUIRY...NEGATIVE IMPACT ON YOUR CREDIT SCORE! Baers Furniture Card 1K closed due to lack of use.
They proposed that I reapply. Doing so would add a hard inquiry. = NEGATIVE IMPACT ON CREDIT SCORE! Yes, I'm pissed.
That's because building your credit score up is not easy and when these unnecessary changes happen, they can quickly drop your score and entire scoring category. (Very Good - Good or Fair - Good, etc.) While in the real world this may not seem like a big deal, I assure you that it most certainly is in the credit scoring world. It's one thing to decrease credit lines and close accounts to those who fail to pay their bills. However, it's another altogether to do it to those who meet and exceed payment expectations on a monthly basis.
Those who do a good job should be rewarded.
Their practices are unacceptable. I'm looking forward to a class action lawsuit.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer
- - Multiple calls to Synchrony Bank failed to resolve.
- - Requests to speak with a supervisor were routed to voicemail, fraud, or underwriting.
Use a different provider. Stay away from this company.
Hello Mr. Doubles,
I hope you are doing well.
I am writing to formally document and express my concern regarding the poor customer service experience I encountered today while contacting Synchrony Bank by phone.
This issue required multiple phone calls, none of which resulted in appropriate resolution or escalation.
When I specifically requested to be escalated to a supervisor or higher-level support, I was repeatedly routed to voicemail, transferred to the fraud department, or redirected to the underwriting teamnone of which were able to address the issue or take ownership of the matter. At no point was I successfully connected with a supervisor despite multiple requests.
The situation originated when a customer service representative chose to lecture me regarding my decision to request a credit limit increase through the website rather than by phone. This interaction was unnecessary, unprofessional, and set the tone for what became a frustrating series of calls with no clear accountability or resolution.
As a customer, I expect respectful communication, accurate routing, and a clear escalation path when issues cannot be resolved at the initial level.
Being redirected repeatedly without explanation or resolution reflects poorly on Synchrony Banks customer service standards.
I am requesting that this matter be reviewed, that appropriate feedback be provided to the representatives involved, and that I be contacted by a supervisor or customer relations representative who can address this concern directly.
Thank you for your time and attention. I look forward to your response.
- Poor service at all levels
Preferred solution: Assistance with the letter they sent me
User's recommendation: Use some other service
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Philadelphia, Pennsylvania
I had my credit card stolen. My...
- - Credit card stolen; police report filed; fraud noted on Synchrony Mastercard.
- - Fraud denied twice; settlement pending; other card charges removed.
I had my credit card stolen. My Synchrony MasterCard on 12/11/2026.
I filed a police report and called fraud. I have been denied twice for the fraudulent activity. I am still waiting for them to settle this issue. I want to go on TV everywhere to tell everyone not to get a Synchrony credit card.
My other card that was stolen, the fraudulent transactions were removed.
I am so angry that I am still dealing with this issue. I would like to speak to anyone except 'Angel' from the fraud department, who is absolutely useless.
- Not helpful with fraud
Preferred solution: Full refund
User's recommendation: DO NOT USE SYNCHRONY CREDIT CARDS!!!!!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Taylorville, Illinois
Lowe’s would not refund money for a stove that doesn’t work!
Stove was damaged at Lowe's! Recall on a part for the oven.
They came out, but it still has the same issue. I want a refund.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Elberton, Georgia
Long Hold For Customer Service
- - Cannot access account to change payment; sign-in uses touch ID.
- - Auto payment is due soon.
- - Customer service hold time exceeded 30 minutes.
I cannot get into my Amazon Prime account to change the payment method, and auto payment is about to go through soon. My account sign-in is with touch, so I don't see why I cannot access the account; that's a problem.
When I called customer service, the hold time was greater than 30 minutes...that's actually a lack of service. How do you contact me when the auto pay doesn't go through?
Preferred solution: Change payment method on my Amazon Prime card.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerExorbitant interest after promtional period ended. No warning given.
Make sure that you know when the promotional period is up.
Exorbitant interest after promotional period ended. No warning given.
No help given to resolve this! Stay away from this company!
- Exorbitant interest
- No notification of pending promotion expiring
Preferred solution: Full refund
User's recommendation: Stay far away from this company!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Redondo Beach, California
Warn others
- - New credit account was fraudulently used.
- - The card was never lost.
- - Fraud policies and procedures are inadequate.
I cant cover all of points that need to be addressed, in such a small space. But the level of incompetence within the corporate structure of Lowes / Synchrony Bank is astounding.
New credit account was fraudulently used.
The card was never lost. The companys policies and procedures concerning fraud are a joke.
Preferred solution: For them to change or update their protocols and procedures regarding fraud. And to understand that while Faxes are convenient, they are by no means secure. Unless it’s a NSA or CIA. And even they have restrictions on what can be transmitted via Fax.
User's recommendation: Pay cash if you can, but avoid opening a credit card with them.
Wake Forest, North Carolina
Web site is hard to access. Customer service sucks
No mater what internet service I use I cannot get on any Synchrony site. Customer service is impossible to get hold of.
This has been going on for the last month. WTF
User's recommendation: Hire more customer service reps and be available on weekends!!!!!!!!!
Hermitage, Pennsylvania
Synchrony has cancelled 7 of my credit cards due to one of my accounts going to a collector. I was a caregiver to my husband and did not notice that I did not receive bills from this one credit card.
- - I paid the collector; Synchrony hasn’t reinstated my cards after six months, 7 businesses lost my business, and I’m still paying more than minimum.
A collector contacted me by mail and I paid my bill. In the meantime I have not been to reestablish my credit with Synchrony even though Synchrony customer service has told me after six months after the collector was paid I should be able to get my credit cards back again.
This has not happened and I am very upset.
All these 7 businesses have lost my business because of this. May I also add that I am still paying on these cards and have paid more than the minimum and am up to date.
User's recommendation: DONT'T SIGN UP WITH ANY SYNCHRONY CREDIT!!!
North Ridgeville, Ohio
Change primary account for payments
I can't find a phone number to change the account number for future payments to my three credit cards. I want to speak with a human representative.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Toms River, New Jersey
They don't send monthly bills, just hit you with late fees
- - Late fees charged even after paying the bill in full.
- - Unprofessional customer service; put on hold indefinitely.
- - Concerns about credit report.
If I could give less than 1 star, I would for this bank and its customer service. They delay applying my monthly bill to hit me with late fees and extra charges.
Even though I paid my bill in full, the customer service representative was shockingly unprofessional. When I asked to close my account and speak to a supervisor, she put me on hold indefinitely.
If you're concerned about your credit report, avoid this bank. I wish I had been warned before getting this credit card.
- Finance charges even if paid in full
- Customer service
- Late fees
User's recommendation: Stay away from this bank
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI want my name off of your sams card account
- - -Wants to cancel name and liability on Sam's Club card and end Synchrony link.
- - -Wife is primary holder and wants to keep her card; service issues.
Very poor company. Companies using this out fit better check their reviews!
She is the primary holder that i never agreed to. I do not want any association with Synchrony! With out any proof I am not linked I will file with the Attorney Generals office of Ohio. I have tried to do this for the last time.
My wife would like to keep her card for Sams. I have been turned down to even talk to your Mid East robot people that just agavates every one.
I see your rating are terrible. My wife Barbara I Allen ss# 235 02 **** Mr Larry R Allen 174* *** ****
- I do not have time to repond it is all bad
Sam’s and Synchrony have no clue you even existed. You and/or your wife knowingly and willingly added/applied. Your wife will have to re-establish the account in her own name based on her credit alone or you will have to close the account.
Secaucus, New Jersey
Can't get synchrony card reactivated thru phone service
several calls, several transfers, process started, BUT cannot get thru the whole process, cannot scan id for identification.don't dod
Garland, Texas
They have been sending my payments to the bank and have been paid they tell me that they have not received a payment
- - One month I owed a certain amount; next month more.
- - My payment was applied to another account.
- - A rep said paying more would increase monthly payment.
One month I owe a certain amount the next month I owe more they applied my payment to another account it shows on my bill where bill applied to payments the same day for two different amounts I was told by one of the representatives that if you pay more a month that that would increase your monthly payment a
I would never have anything financed through this company again they are the worst I have paid my bills on time they applied My money my payment to another account but I am being charged for their mistake
I’m being charged from companies I did not give my credit card to.
- - Walmart no longer rewards Capital One; One Pay is required.
- - I linked only One Pay to Walmart.
- - One Pay billed charges I made with another card.
I used only a Capital One Rewards program affiliated with Walmart for rewards. Earlier this year we were notified Walmart would not reward Capital One customers any longer.
Must use One Pay. The wonder card!
So, I signed up and put that card only on my Walmart account. The next month, I find a bill from One Pay for additional charges. I DID make the purchases, but with another card.
Easier at tax time.
How did/are these other companies getting that One Pay card number, and who gave them permission to accept it? Not me.
Did I agree to these terms when I applied for the card? Wasnt in the very small print ?
I need it stopped and the people at Synchrony just transfer from dept to dept.
No answers yet!
User's recommendation: One Pay IS NOT the card for you.
About
, , , ,
Synchrony Bank is a federal savings bank. The company was founded in August 1988 as GE Capital Retail Bank. Its headquarters is based in Draper, Utah, USA. Synchrony Bank is a subsidiary of Synchrony Financial. The company specializes in banking products and services. It offers CDs, money markets, and savings accounts. Users who are over 18 years old can open a bank account and use its services. Customers can view accounts, complete transfers, and deposit checks on tablets or smart phones using mobile banking option. Synchrony Bank has America’s Best Rates by MoneyRates.com and Summit Marketing Effectiveness awards. Synchrony Bank is a member of the Federal Deposit Insurance Corporation.
Synchrony Bank is ranked 349 out of 1712 in Banks category
USA, UK, Asia, Worldwide
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What all does this bank offer like what all can you apply for at this bank?
They did exactly this to me. All payments on time, never missed a payment.
I decided not to use the card again after my first large purchase because I wanted to focus on paying the balance off (about $2,500) before buying anything else. When I had the balance down to $630 and was close to paying it off, they slashed my credit limit from $4,000 to $660, which will obviously cause some damage to my credit, but that’s okay. I have other credit cards with better companies who aren’t unethical or shady and actually care about their customers unlike Synchrony. My credit score will go back up.
Even when I lose a few points for closing my credit card accounts with them after I pay them off 100%. I’ll just be happy to purge this company from my life and to make better financial decisions than doing business with them.
So true
***
We have had the same experience. Wal Mart used them for their credit card customers and a few years back dropped them and switched to Capital One to issue their store card.
There was many Wal Mart customers complaining. So happy Wal Mart listened.
No, Capital One gave WM a better deal. They could care less about you.
Oh and as an FYI, something tells me you haven't seen the complaints about the WM C1 card. Same complaints from the same lame losers.
Such a great deal that WM is trying to break ties with C1 right?
Yuy
Agreed too 150%...,...
I just wanted to point out to everyone that I am also a victim of Synchrony. They sent me, in the mail, without my permission, a $600.00 Amazon store credit card after I locked my Mastercard on file with Amazon.
They are Amazon’s store credit card banking partner as well as 90% of the stores, EBay, PayPal, BestBuy, etc…included. They handle most of the store credit card purchases and billing. I believe only Walmart dropped them and now uses Capital One instead. Many of us say we will switch to another bank but you know what?
I researched Chase, Citizen’s, Bank of America, and other big banks on this site and found that they all have complaints of poor customer satisfaction ratings of under 2% out of hundreds of thousand of reviews per bank. Most reviewed banks have less than 10 resolved complaints each. If any. The claimed losses per institution by reviewers is in the millions of dollars each.
Where are those millions of dollars going? I’ve found 2 satisfied customers only and they could have been put there by banks themselves. I don’t know. My conclusion is that local Credit Unions are better than the banks listed on pissedconsumer.
In fact, I found zero complaints regarding credit unions. Only the big banks listed all have basically the exact same problems. Is this site just for complaints? Are positive reviewers not coming because happy customers tend to not come on these consumer advocacy sites, not just this one.
Are these sites only meant for consumer complaints? Are these skewing the purposes of advocacy sites? I’m not finding “happy” sites because who wants to read complimentary reviews? I’m just talking about financial institutions.
I have reviewed non financial sites with the same results. On several different advocacy sites.
I’ve only found two “thank you” reviews on pissedconsumer. So how can one find equal negative and positive reviews?
They tried it on me with Amazon, who uses synchrony but my 729 credit score never was affected
865 680 **** Ref Class Action Lawsuit Lets DO IT No Joke Ray
LoL. You agreed to arbitration. You serial dead beats and fools that play the credit utilization game love the notion of quick money.
It’s very difficult to get to Synchronies terms of use. Including the arbitration clause.
I lost nothing under synchrony except $16.00. I then locked my credit card and asked for the same card with different numbers and expiration dates and CCV code in the back and it rendered the Mastercard invalid for them not me. What do they do? They send me a $600.00 Amazon card but although I shredded it.
It gave my credit rating report a loss of 2 points. Amazon is no longer an app in my phone. Experian considers it an open credit card although it shows a zero every month. My States Attorney Generals, consumer division will contact the bank and Amazon for fraudulently opening up a credit card without my knowledge.
It’s not over by any means. I am going to try punitive charges as well
Well, I just got a letter from Synchrony stating that someone opened up an Amazon Store Credit Card for $600.00 without my knowledge or permission. It just popped up in my mailbox.
They agreed with me that this card was open fraudulently and have shut down the account and notified 4 credit reporting agencies to remove this account from my credit reports due to fraud. It's strange because this account always had a zero balance every month for at least a year. I don't know who opened it (it could have been Amazon or Synchrony) but saying it was fraudulent because I never applied for it and if an identity thief spent money on it I wouldn't have to pay them back since I didn't make the purchases and that I can keep any merchandise if I did get something. My credit score should go up now as it was initially determined to be my card and none of the 4 credit reporting agencies erased it untill now.
My emails to them didn't make a difference. Now I don't show 2 open credit cards. I also put a fraud alert on all reports.
People need to call me for approval. I'm satisfied.
I submitted my complaints to my state attorney general's office
Fake Nonsense...Anyone signing up for one of these cards agreed to arbitration. This is a way to get fools to call in to lord knows what.
These agreements can and should be challenged in court!
They realized that most people don’t read the terms. They are not even on the Amazon terms.
They are scamming us. Their terms are well hidden
I'm not a fool. I never applied for a Synchrony/Amazon $600.00 store credit card and it had no terms.
It just came in the mail after I tried to cancel my Mastercard on file. I had to lock my Mastercard and get another one with different numbers. They pulled a credit check on me witch i cannot remove and now I have 2 credit card accounts.
A hard hit on my credit report of 3 points lost and Experian wouldn't remove it. So it has an "open" charge card