Synchronybank Recensioni 1.685

By far the most ignorant, rude, incompetent staff! Their practices are borderline criminal.

NOthing but problems with a credit line and credit card issued through Synchrony with the PayPal logo. Sudden and random credit limit decreases, misplaced payments, poor customer service, slow and problematic website.... decrease letters stating due to 'my Venmo usage' (???) ... I learned of the last decrease through a FICO alert and got their letter 3 days later. (Mind you, good credit scores, no late payments)

Finally had it with them and did this:

The details and comments of your account
**** ******** with SYNCB/PAYPAL CREDIT CARD changed. This Credit Card comments changed on 04/23/2026:

Comment 1: ACCOUNT CLOSED AT CONSUMER"S REQUEST

Good riddance.

Highly recommend Capital One and American Express for your credit needs.

I called Synchrony Bank 2 weeks ago to argue a charge that shouldn't have been added on my canceled Lowe's card. Today I got an email saying that they lowered my credit limit on my Sam's Club Elite Master card from $1500 to $430 which is only $20 more than what I owe. So I canceled my card and will never do business with Synchrony bank or any business that offers credit through Synchrony Bank.

I had to give 2 stars just to write a review ! That should say enough . They constantly run your credit throughout your time with them FOR NO REASON bringing it down. Mix and match customer service reps today I had someone really nice , last week awful ! It’s always something with these people !!!!!!!!!!! Will be so excited when I’m DONE with them

I was almost done paying off my cc loan . I was unware I had till a certain date to pay off cc. They hit me with additional 9k. I was furious . No emails, No updates. Interest is sky high. DO NOT GO WITH THEM EVER. SEEK CREDIT ANYWHERE ELSE. THIS INCLUDES ALL SYNCRONY CARE CREDIT, SYNCRONY HOME. SYNCRONY AUTOMOBILE.

1 star is too high. Someone on the inside was using our credit card as soon as a new one was activated. This happened a few times before we caught on to the scam. Absolutely horrible entity. Financial institutions have a fiduciary responsibility to their customers & this company is the farthest thing from responsible.

Awful company ! Poor customer service. I won't be bothered with them anymore. Paying off and closing. Absolutely ridiculous.

This company is laugh outloud AWFUL, and it's no surprise it has this appallingly bad rating, which would and should sink any reputable company and force it to shut down. I just applied for credit for Lasik surgery for $10,000 because I can but don't want to pay cash for the procedure. I have a very high net worth, own multiple properties that are completely paid for that I collect rent on every month, have nearly NO debt, and my FICO hovers between 820-850. Synchrony turned me down online within 20 seconds. I intend to contact the head of the business office tomorrow at the major Orange County medical facility whose business office referred Synchrony to me--since they are one of the biggest in the OC--to tell them they should immediately stop insulting THEIR paying clients who have procedures done through their medical group, procedures that make THEM money, by offering as their only "credit" option such a GARBAGE company. When I think about someone like me, who has worked for 60+ years very hard to get to where he is, and if I'm turned down, then who on God's earth WILL Synchrony approve and lend to? Don't waste your time, they are TRASH.

This is a horrible company. No respect for customers. They dropped my credit line even though I was making my payments on time. They then closed my account. Customer service does not care to help. I would never bank with them again.

I strongly recommend thinking twice before opening a store card with this company. I signed up because of a promotional discount, but the experience quickly turned into a headache.

After receiving the card, I made a couple of payments and then misplaced it since I rarely used it. When I tried to get help, reaching customer service was extremely difficult—I spent about 40 minutes on hold. When I finally got through, the representative was unhelpful and dismissive.

I asked for online account access so I could simply pay off the balance and close the account, but I was told they couldn’t even set that up. At that point, it felt like they were making it harder than necessary to resolve a simple issue.

Overall, the lack of support, long wait times, and inability to manage my account easily made this a very frustrating experience. I would caution others to be careful before signing up.

Be careful as this bank charges "trailing interest" which prevents you from ever being done. I even paid through customer service and aksed if I am done with payments and was told yes. After another moth went by, I got this late notice saying I owe interest which was the "trailing interest"! I paid that and now they are harrasing me more interest of $6 and they are affecting my credit score! STAY AWAY FROM THIS BANK!

Agents are clueless. Agents lie and make up departments to act like they are assisting you and give you the thought that you’re talking to someone else. They’ll lie give terrible advice that only ends up hurting you in the long wrong. Have excuses for everything. They can’t talk to you about your own info on the phone unless you have a letter first - crazy. Their app and log in process online is absolutely terrible. Agents contradict other agents. 10/10 wouldn’t use again.

Do not get a credit card of any kind through this bank they are the worst ! Even if you make payments on time they give you credit than lower it down to nothing they are horrible!

I don't do credit. I bought my last vehicle in 2007 with cash. I signed with synchronybank.com to get a discount with amazon.com. When I signed up I used a short, weak password. synchronybank.com WILL NOT ALLOW me to change it. Their online support is useless. This is so far away from best practices, it is unbelievable.

Ive had a credit card with these people for 2 years and never missed a payment. Now I recieved an email saying they have lowered my line of credit. I will pay off this and close the account and never use synchrony bank again.

I mistakenly made a payment to a closed account with Synchrony Bank. Trying to speak to a representative when calling the customer service number was a fiasco. The automated system continued to try to force me to make a payment. I needed to speak to someone. When I finally got a representative after almost a half hour on hold they could not help me. That person transferred me to someone else who then thought I was calling for a Pay as you Go account. Once again they couldn't help me and preceded to transfer me once again to the same automated line. To wait on hold another half hour. This was very frustrating I finally reached a 3rd representative who tried to help me. He opened a dispute explained I had to upload proof of payment. I see the dispute but no way to upload a pic of proof. This was the worse experience I ever had with customer service starting with the automated system. I'm still dealing with this issue I know I created from the start. I just want that payment to be transferred to the correct account.

Synchrony Bank are a bunch of crooked jerks! I have NEVER defaulted with them. I ALWAYS pay significantly MORE than my minimum due and they continue to screw me over by dropping my credit limit to the bare minimum! A really crappy, horrible, dishonest, terrible company! I do NOT recommend Synchrony Bank! Avoid these A-Holes! 😡🤬😡🤬😡🤬

They are the absolute worst! I had 8 cards with them, mainly store cards. I got 8 letters from them saying they had closed my accounts for "high risk of failure to pay". I have an 800+ credit score, have NEVER had a late payment with anyone, never near my credit limit and they are paid off every month unless it's a promotional balance. I even went to a credit counselor to see if I was doing something wrong. He could not believe they had done this after looking at my credit history. Basically the answer I got back from Synchrony is "we can close your account if we want to". I will miss my Sam's card, PayPal credit and Verizon but I will survive. I want nothing to do with this POS company!

They said I had to pay th bill off and did and they still charge me interest.

Have had cards for years with a good amount if credit extended. Perfect payment history, pay more than minimum on autopay, never late and pay down balances. Then all of a sudden they start lowering credit limit to amount owed and as I pay that down the start closing cards. It has shattered my credit score by 100 points. And the businesses people would normally patronize are losing money if this is widespread because we will no longer spend there. I do have other cards with other banks but I won’t use them to spend at places synchrony no longer extends credit. I wouldn’t recommend at all. Your credit will eventually be destroyed. I’m extremely frustrated with this bank.