
Synchrony Bank
Synchrony Bank Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Synchrony Bank has 1.4 star rating based on 839 customer reviews. Consumers are mostly dissatisfied.
35% of users would likely recommend Synchrony Bank to a friend or colleague.
- Rating Distribution
Pros: Disgusted, No pros, Answered the phone.
Cons: Poor customer service, Unethical, Company has no incentive to act like customers matter.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Synchrony Bank has 1.4 star rating based on 839 customer reviews. Consumers are mostly dissatisfied.
35% of users would likely recommend Synchrony Bank to a friend or colleague.
- Rating Distribution
Pros: Disgusted, No pros, Answered the phone.
Cons: Poor customer service, Unethical, Company has no incentive to act like customers matter.Recent recommendations regarding this business are as follows: "Check it out on everything you get denied on", "Be careful NOT to get a card with this bank. It will lower your credit score no matter what.", "Do not use Synchrony Bank 0% financing.", "Nothing to say", "Becareful how you pay for your orders.".
Most users want Synchrony Bank to offer a solution to their issues.
Consumers are not pleased with Customer service and Billing Practices. The price level of this organization is high according to consumer reviews.
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Is Synchrony Bank Legit?
Our analysis shows that Synchrony Bank is legit, safe for consumers to access and is not a scam. www.synchronybank.com follows necessary security procedures to protect its users. However, since some issues have been reported, it’s always a good idea to do your own checking of Synchrony Bank reviews to learn more about other consumers' experiences.

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 |False Flag on my Name!
Cant get credit or approval for any consumer loan or credit card services from anyone that uses you as their financial services, Because you have me flagged with a false fraud statement that I already provided proof of, completed bg the agency in question " state farm insurance " currently still my company of choice!! And im flagged by you as cashing a fraudulent check @ walmart that was a refund check that everyone in the state of Michigan was given for each vehicle owned and insured..
i myself got 2 . 1 i deposited to my bank. 2nd one i cashed at Walmart and paid for my groceries.. next time i go to customer service to use services i was denied by you .
Synchrony bank. I called you and the situation was to be handled and closed by you and repair my credit and remove the false flag !!!
You have not held up your end of the equation .. WHY!!?? This has been years now and im sick of the corporate runaround!!
Seriously !!
Get a hold of me asap please!! I would like to be able to enjoy my time i have left doing what i need and want to do for my family and their future b4 im gone ! Im tired of calling and talking to ai and the non English. I don't have that kind of time to waste anymore!!
Thank you for your help in this matter! I would like to get this resolved asap..
User's recommendation: Check it out on everything you get denied on
This company deserves a class action lawsuit!
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.
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Verified ReviewerOver charge that they refused to fix
Have contacted Synchrony Bank, Experian.com for a credit report evaluation and the state attorney General for fraudulent fees and expenses on the account.
It has been dragging on for 8 months. They have charged my account for something that was returned and refunded more times than I can count.
Now, they tell me I owe deferred interest for an item that was returned already.
You can't get anyone to listen about their error and fix it. Now, they just hang up when I call.
- Just a phone number and pobox
Preferred solution: Full refund
User's recommendation: Becareful how you pay for your orders.
Bad policies
I would give a zero if I could. This bank lowers your credit limit as you pay off your debt.
No missed pmts. Always pay more then minimum. Yet they keep lowering my limit which makes it look like I max out my card ,which lowers your credit score, which they use to lower you limit, which looks like you max out card which lowers your score.
And on and on. They are the worst.
User's recommendation: Be careful NOT to get a card with this bank. It will lower your credit score no matter what.
Erroneous charges
Synchrony bank added $1.99 per month for paper copy bills after I asked them to stop. They continued to add late fees on top of it for a total of $233.80 despite numerous attempts to resolve the situation.
User's recommendation: Do not use Synchrony Bank 0% financing.

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |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 |Closed account without good cause
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..
- Poor customer service
Preferred solution: Account restored and fair treatment
User's recommendation: watch out

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 ReviewerWorst Experience Ever
Do not open an account with Synchrony Bank. I had 4 different cards with them: eBay, PayPal, Lowes, and Rooms To Go.
I never missed a payment until recently when I paid the balance. I paid more than the minimum on the 0% Rooms To Go account. Due to a drop in income over the last few months, combined with added medical expenses not covered by insurance, I have had to use my other credit cards that are not with Synchrony. My overall credit card usage went above 50%, but I made sure that all cards were paid.
Unfortunately, the higher credit card usage dropped my credit score. Synchrony Bank, in spite of my never having been late or missed a payment, cancelled my 4 accounts, thereby reducing my total available credit, drastically increasing my credit card usage and dropping my credit score even further. Thanks to them, my score went from 720 to less than 585, even though I have an excellent payment track record. They will approve you and then do a 180 on you when you least expect it.
Be smart; avoid Synchrony Bank. You're better off with one of the lesser-known lenders.
- Easy approval for fair credit
- Quick to cancel your account
Preferred solution: Apology
User's recommendation: DO NOT USE SYNCHRONY 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 Reviewer |I need to talk to a human being please
I have resolved an issue with Synchrony Bank. My records were different than theirs.
I have no problems with this bank!!!
I have used this bank many times. I would prefer to use this bank than others that are around in the United States.
User's recommendation: A good Bank to work with
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 |I have been a victim of fraud and they basically are calling me a liar I informed them and the end at the end of 2020 3 and they still allowed the thieves to charge on this credit card in my name till
This one company ruined my credit. My 780 credit score went down to five hundred something at one point. They broke every law there is regarding consumer rights.
- Punishing people who are responsible with their credit cards
- Fraud
I mailed them a $3,400 check to pay off the loan and nobody knows where the check is now I have to call and file a claim it takes 90 days to figure out who's got it cuz nobody I talked I was on the ph
I mailed them a 3400 check to pay off her loan and now symphony bank doesn't know where the check is and I was on the phone for an hour and a half and all they said was probably lost in the mail so now I have to file a claim with them and it takes 90 days to figure out what's going on
To check a letter l received
It wrote. I had asked to open a PAyPal credit account.I did not , that dropped my Fico score a lot.
Someone else must have tried too.not me. But it

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |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 ReviewerSneaky underhanded interest games
I had an Amazon Synchrony card. I set up a 6-pay interest-free payment plan on Amazon that was specifically for the Synchrony card.
It gives you actual payment costs per month, and then you click a button to set it up before checkout. Long story short, Synchrony doesn't bother setting them up after all this and charges you a 25% interest on them. It's an error that they clearly profit from every single time.
Customer service is designed to wear you out by acting ignorant, changing their excuses, and switching representatives frequently until you end the conversation. It's the definition of unethical entities.
- Web viewing statement
- Doesnt follow through
- Customer service had no explanation or resolution
- Fraudulent apr practices
Preferred solution: My interest back on the alleged 6 interest free payment plans they shafted me on.
User's recommendation: Their horrible in every aspect except web viewing their statements
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 |Need to ask some questions.Send me a cole
I'm trying to open a account with lowe's at your big box store I closed The old account that has my ex husband At that time Ada Merritt Was my name at that time? I had a name change is Ada Smith You set A letter for information on my finances I need a number so I can send this information Or talk to someone about this information
Why was the account closed never missed a payment never late payment was 35$ I paid 100$ EVERY MONTH the account is canceled for WHAT???? And talking to customer service sucks!!! Don't deal with them
I paid this account off and my receipt says 554$ the bank said that I paid 100$ only where is my money???Don't deal with them
User's recommendation: don't deal with them they are horrible
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 |Could not find an easy way to talk to a Service rep. Finally after trying several numbers listed in got ahold of 1. 30 to 45 mins to resolve a 2 minute issue if they listed.right number . Resolved.er
Denied access to site. Wouldn't let me verify my identity with camera or upload.id.
resolved now. Don't need 100 symbols.
About
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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 360 out of 1555 in Banks category
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"from anyone that uses you as their" Great! Then find someone else who will trust you with money.
Why not go to a credit union or a traditional bank for a card? If you can't get one of these stupid cards, your credit must be garbage. The hard pulls alone are enough to crater your credit score.
What are you trying to do, run up a lot of debt "b4" you're gone? They're on to you and the answer will always be no.
This is a valid complaint not a subjective opinion!!
This isn’t the bank’s site. You complaining and giving them a one-star rating isn’t going to endear you to them in seeking their help.