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Synchrony Bank

Synchrony Bank

www.synchronybank.com
What is your customer experience with 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.

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Media from reviews

Synchrony Bank - Billing
Synchrony Bank - Over charge that they refused to fixSynchrony Bank - Over charge that they refused to fix - Image 2Synchrony Bank - Over charge that they refused to fix - Image 3Synchrony Bank - Charge dispute/charge backSynchrony Bank - Charge dispute/charge back - Image 2Synchrony Bank - Charge dispute/charge back - Image 3
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Is Synchrony Bank Legit?

Trust Score is
100 / 100

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.

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Top Synchrony Bank Reviews

Positive Review

"I need to talk to a human being please"

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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...

Critical Review

"False Flag on my Name!"

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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...

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credit card account payment credit card bank customer service service synchrony customer
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Jaded jax

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
| map-marker Naperville, Illinois

False Flag on my Name!

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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..

View full review

User's recommendation: Check it out on everything you get denied on

3 comments
Guest

"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.

Guest

This is a valid complaint not a subjective opinion!!

Guest

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.

View more comments (2)
Anonymous

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.

View full review
Reason of review:
Problems with payment
260 comments
Rue Ann W

What all does this bank offer like what all can you apply for at this bank?

InsaneHurricane

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.

Guest

So true

Guest

***

Guest

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.

Guest
reply icon Replying to comment of Guest-2205529

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.

Guest
reply icon Replying to comment of Guest-2250972

Such a great deal that WM is trying to break ties with C1 right?

Guest
reply icon Replying to comment of Guest-2205529

Yuy

Guest

Agreed too 150%...,...

Guest

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?

Guest

They tried it on me with Amazon, who uses synchrony but my 729 credit score never was affected

Priest Fun

865 680 **** Ref Class Action Lawsuit Lets DO IT No Joke Ray

Guest
reply icon Replying to comment of Priest Fun

LoL. You agreed to arbitration. You serial dead beats and fools that play the credit utilization game love the notion of quick money.

Guest
reply icon Replying to comment of Guest-2000053

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

Guest
reply icon Replying to comment of Guest-2193707

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.

Michael S Heg
reply icon Replying to comment of Priest Fun

I submitted my complaints to my state attorney general's office

Guest
reply icon Replying to comment of Priest Fun

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.

O. P
reply icon Replying to comment of Guest-2044668

These agreements can and should be challenged in court!

Guest
reply icon Replying to comment of Guest-2044668

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

Guest
reply icon Replying to comment of Guest-2044668

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

View more comments (259)
Scott W Tzm

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

Over charge that they refused to fix

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Synchrony Bank - Over charge that they refused to fix
Synchrony Bank - Over charge that they refused to fix - Image 2
Synchrony Bank - Over charge that they refused to fix - Image 3
Updated by user Mar 08, 2025

Have contacted Synchrony Bank, Experian.com for a credit report evaluation and the state attorney General for fraudulent fees and expenses on the account.

Original review Feb 21, 2025

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.

View full review
Loss:
$192
Cons:
  • Just a phone number and pobox

Preferred solution: Full refund

User's recommendation: Becareful how you pay for your orders.

Anonymous
map-marker Los Angeles, California

Billing

Synchrony Bank - Billing

Trying to find out when I'm supposed to pay my loan off what date please let me know so I can make sure I pay on time please

View full review

User's recommendation: Nothing to say

Misshiss
map-marker The Bronx, New York

Bad policies

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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.

View full review

User's recommendation: Be careful NOT to get a card with this bank. It will lower your credit score no matter what.

Anonymous
map-marker Philadelphia, Pennsylvania

Erroneous charges

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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.

View full review

User's recommendation: Do not use Synchrony Bank 0% financing.

Heehawman

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
| map-marker Draper, Utah

Closed account without good cause

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Contains 3 confidential files for company representatives

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..

View full review
Cons:
  • Poor customer service

Preferred solution: Account restored and fair treatment

User's recommendation: watch out

7 comments
Guest

They don't owe you an explanation. The terms you agreed to said that they can shut you down at any time.

They ran your credit, it wasn't up to their low low standards so that was it. Move on.

Guest
reply icon Replying to comment of Guest-2631822

There's nothing wrong with my account as I have 5 accounts with synchrony bank including PayPal credit, so that makes noooo sense in closing the account. If they ran my credit then they need to send me a letter as is my right according to CFPB.

Also, I have a credit freeze on all credit bureaus as I am a victim of ID theft and hacks. I have filed reports with ID theft.gov and FTC, etc.

Guest
reply icon Replying to comment of Guest-2631823

Then you must be a loser. A loser who wasn't making them any money.

by keeping balances on the card(s).

Instead of coming here, whining and fighting to salvage what's left of your sagging ego, how about doing a simple Google and you'll find your answer. Either way, you're not getting your accounts back regardless of how you feel or whine.

Heehawman
reply icon Replying to comment of Guest-2631907

YOU must work for that failing financial institution cause the way they treat their good paying customers (Not just me), is a disgrace and they should close up shop. It appears you have a chip on your shoulders and "DUNG" in your mouth cause everything you have said is just that, "DUNG"....Get a life, get a job....

Guest
reply icon Replying to comment of Guest-2631822

There's nothing wrong with my credit, so you move on....you shouldn't jump to conclusions based on your bad credit...

Heehawman
reply icon Replying to comment of Guest-2631822

For your info moron, THey "pre-approved" me for "ALL" my accounts for which I didn't pre-apply, so before you open your mouth and spread "DUNG" get the facts first.....

Guest
reply icon Replying to comment of Heehawman

Oh Noooo! Not the "you must work for them" response.

This is typical of losers who can't understand why anyone other than an employee could think they were stupid. Listen, "pre-approved" is for suckers who actually think that this bank giving them junk cards makes them something. Hint: You are not something. IF you were, you would use a single card from somewhere else to make your purchases.

Sorry if the truth hurts you and the lame OP's feelings. Both of you are silly members of a legacy demographic.

View more comments (6)
Bhavin A Hos

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

Worst Experience Ever

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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.

View full review
Pros:
  • Easy approval for fair credit
Cons:
  • Quick to cancel your account

Preferred solution: Apology

User's recommendation: DO NOT USE SYNCHRONY BANK

1 comment
Guest

What happened to you is not the exception and occurs anytime your credit usage increases. Creditors are alerted and can make the decision to lower a credit limit or even cancel your account.

Matilyn Dca

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
| map-marker Salt Lake City, Utah

I need to talk to a human being please

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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.

View full review

User's recommendation: A good Bank to work with

Connie S Fve

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
| map-marker Kansas City, Kansas

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

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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.

View full review
Loss:
$5000
Cons:
  • Punishing people who are responsible with their credit cards
  • Fraud
Anonymous
map-marker Ooltewah, Tennessee

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

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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

View full review
Divina Xfv
map-marker Baton Rouge, Louisiana

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

View full review
Carwin K

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

Sneaky underhanded interest games

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Contains 1 confidential file for company representatives

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.

View full review
Loss:
$95
Pros:
  • Web viewing statement
Cons:
  • 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

Hamp Pxu

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
| map-marker Cincinnati, Ohio

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

View full review
Dorin Vzo
map-marker Strongsville, Ohio

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

View full review

User's recommendation: don't deal with them they are horrible

Azucena Poi

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
| map-marker Kansas City, Missouri

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

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Denied access to site. Wouldn't let me verify my identity with camera or upload.id.

resolved now. Don't need 100 symbols.

View full review

About

Related Companies

General Electric, CareCredit, Ge Money Bank, Synchrony Financial, Ge Capital

Summary

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 reviews and complaints

Synchrony Bank is ranked 360 out of 1555 in Banks category

Area Served

USA, UK, Asia, Worldwide

Payment Methods

MasterCard

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