Synchronybank Recensioni 

Worst bank I ever dealt with. Not because I got denied, but because they issued me a credit card for Jcpenney, Lowes, PC Richard, Kohls, and Amazon. All of these had zero balances. When I do use Jcpenney I pay them in full a.s.a.p. I usually do not spend more than about roughly $200. This year I was notified they were planning to close the Kohls account due to no activity. They reduced the credit limit on the PC Richard account. I looked at the credit limit and felt it wasn't enough to even buy a decent appliance so I requested closure. Now unexpectedly I need to buy a modest refrigerator. There is a six month promotion. I was denied. My transunion credit is 818. I have never been denied credit. I have modest debt that I am able to handle, 100% on time payment history, no bankruptcies or been chased down by creditors. This appears to be Trumpism idea of consumer watching with issues about a car dealership and consumer loans. SHAMEFUL. YOU CAN DO BETTER.

Unfortunately, I have several cards that are issued through Synchrony Bank. I've never missed a payment and all the cards are well below the credit limit. I have been late with other accounts, not associated with Synchrony Bank. I've noticed, in the last three months, the limits on the cards are going down and they even closed a couple of the accounts. I tried to get an answer and, essentially, I was told a machine makes the decisions on accounts. As I'm writing this, I think I'm going to close all the Synchrony accounts.
Shame on Synchrony!

I had several CDs with them. I had to make 5 calls to confirm that they would not auto renew and asked them to provide proof. I was told "we don't do that". I insisted on it and with every phone call I was told something different each time. They made it up along the way for each story was so inconsistent from the previous call. I felt like it was a trap to auto renew. Even their phone message when you call states nothing about regular CDs and there is no immediate method to do it online. No exaggeration, over 3 hours on the phone to get it rectified. You know what my title is saying. Stay away no matter what they offer.

This company is lying and deceitful and full of tricks to try and steal your money to keep them from going under as a business. They lock my account any time I try and take money out of it and then when I tried to close it locked me out again. I have called them many times and am now thinking of reaching out to legal counsel about them.
Never use them ever

I am extremely disappointed with Synchrony Bank and the way my situation was handled.

My experience has been frustrating from the beginning. I have spent time trying to get answers and resolve the issue, but instead of receiving clear information and meaningful assistance, I have been passed around and left feeling like I had to fight just to get someone to address the problem.

What is especially frustrating is the lack of consistent communication. Different representatives provide different information, and getting a straightforward answer has been extremely difficult.

A financial institution should make it easy for customers to understand their accounts, payments, fees, and options. My experience with Synchrony has been the opposite.

I would strongly encourage anyone considering financing through Synchrony to carefully read the terms, keep records of every payment and conversation, and make sure they understand exactly how promotional financing, interest, fees, and payments are handled.

Based on my experience, I would not choose Synchrony again.

I am posting this review so other consumers can research the company carefully before deciding whether to do business with them.

In the future, I would NEVER purchase from any place who uses Synchrony Bank as their Finance company. We have our account set up to directly withdraw or monthly bill from our regular bank account. Symphony Bank requires you to activate their credit card or you will be charged $1..99 a month. This seems ridiculous, especially during these trying fiinancial times to be forced to do something, as an opening their credit card that I won't be using. I have had problems with them in the past, regarding billing and was happy when my account was paid in full. I thought I'd give them one last try, and it was a mistake on my part. Never again!

Prefer no star, but for the purpose of giving my review, “the system” requires a star. The only answer to questions I have, with now three agents, one supposedly a supervisor, is “the system does that”. My questions were in regards to how my always on time payment record of the 24 months I have had the Synchrony Bank card, and, the fact I paid the balance off two statements ago, resulted in a credit line decrease from a good amount to almost nothing. I had been assured by an agent, and in writing, of my credit line on September 17th. On September 19th, I receive a letter generated on the 18th, that my credit line was now $100, giving the reasons as I have high balances on bankcard accounts. I have one bank card only, the one with Synchrony Bank. I have no other open lines of credit. With an excellent history of paying off a car loan, and a mortgage in the most recent years. That’s all that’s on my credit report because I operate basically on a cash basis and live within my means. My Synchrony Bankcard has a zero balance. My credit score on Friday, the 18th, was what I expected when I checked. My credit score on Sunday has declined significantly with two of the 3 credit bureaus because of this. Synchrony Bank has not updated with two of the credit bureaus in two months. This is the first letter of any sort I have received from Synchrony Bank regarding my use of my card. One credit bureau, so far, reflects the credit score I believed I had, and accurate information. I have disputes filed with the credit bureaus, as well as Synchrony Bank. The third agent I spoke with today at Synchrony Bank, actually gave me a claim number when I told her I have no confirmation of the dispute I previously filed yesterday. She stated I should receive an email confirmation within 24-48 hrs of the dispute being filed. It’s been 24 hours, I told her. Then she gave me the claim #. I am told the investigation will take 30 days. No one at Synchrony Bank has been able to answer my question, “Why do you want to lose me as a customer?”

I had a Belk card and they raised my credit limit and sent me an upgraded card. When I sent in my payment which paid off my balance, they closed my account. WTF

I bought some cameras from Savvy Guardhouse in CA on June 24, 2026. Charged them to my PayPal Cashback MasterCard with Synchrony Bank. The cameras didn't work, emailed Savvy, received return instructions, returned the whole shipment on July 2nd, return received by Savvy on July 7th. Never received a credit to my CC. Filed a disputed charge with Synchronybank for the $228.93 cost, sent them the return instruction email from Savvy along with FedEx receipt verifying return shipment of the order and several other documents verifying my claim. On Sept. 17, 2026, I received this digital letter from PayPal MC: LETTER
WILLIAM RANDALL DOTSON
408 SPEARMAN DR
ATLANTA TX 75551-3240

SYNCHRONY BANK
P.O. Box 71726
Philadelphia, PA 19176-1726

Account is owned by SYNCHRONY BANK
09/16/2026
Account Number Ending In: 6849
Hello WILLIAM RANDALL DOTSON,
We have completed our review of your dispute claim on your PayPal World Mastercard® account.
Our review found a credit will not be issued at this time for the following reason(s):
The information we have on file shows that the purchase or service was not returned according to the merchant's return policy. Please contact the merchant directly for any additional assistance.
We have closed the dispute. The sale(s) is now included in the balance subject to interest charges for your account and will be a part of your calculated minimum required payment. Please refer to your next billing statement for your current balance and payment due date.
If you have supporting documentation that was not previously provided to us, please upload the information to our secured email message option and we will open a new dispute claim. Alternatively, you can mail to:
SYNCHRONY BANK / PayPal World Mastercard
P.O. Box 71733
Philadelphia, PA 19176-1733
If you have any questions, please let us know. We value your business and are here to help when you need us.
Sincerely,
Customer Service Department
1-877-897-9505
So after many many years with Synchrony, on Sept. 18th, I closed my PayPal Cashback MC. I then called Savvy the same day and got a live rep. on the 14th call. She told me that Savvy had sent the first of 6 attempts to refund my money to the CC on July 14th all of which were declined. I asked her to try once more, since I had closed the account and nothing should stop the refund now, as the dispute had been closed. Well it was declined also. So I called Synchrony back again, talked to a CS rep about the disputed charge and attempted refunds. She told me that Savvy had never responded to their requests for info on the disputed charge. And that, if Savvy was having a problem getting the refund to go through, Savvy should have responded to them and they would have approved the refunded credit. She further stated that Savvy had NEVER responded to Synchrony's request for info concerning the dispute.
Obviously, my next question was simply this: Then how could Synchrony Bank rule in Savvy's favor on the disputed charge when the ONLY evidence of what had transpired was what I had sent them?
Mysteriously I was suddenly cut off and the call ended!
Synchrony Bank is the BIGGEST ripoff I have ever dealt with. I never filed a dispute with them where they didn't deny my claim. So from now and forever thereafter, they can deal with their ripoff merchants and I will deal with Bank of America. That is after the smoke gets out of my eyes.

My promotional period was ending on 7/13/26. I had scheduled a transfer to pay of the balance on 6/23. However, something went wrong and the transfer never occurred.
On 7/29, I re-scheduled the transfer and I also called Synchrony bank to inform them of my situation and request an extension. I was assured that, as long as my payment was received by 8/13/26, the interest would be waived. My payment was posted on 8/5.
They are now refusing to waive the interest because I didn’t call to tell them that my payment was posted. I don’t recall if I was told I had to call. But if I was, I’m pretty sure she didn’t say I HAD TO CALL BEFORE AUGUST 12, OR THE INTEREST WOULD NOT BE WAIVED!
Anyway, a call should not even be necessary. If I can see clearly on my statement that the payment was made in time, SO CAN THEY! This is the most ridiculous thing I have ever heard!!!

First off, I have spoken to SYNCHRONY for years about getting ripped off buying an Air Conditioner. They have NO COMPASSION FOR PEOPLE ESPECIALLY THE ELDERLY WHO ARE GOING THROUGH HARDSHIPS. I spoke to 3 Rude Synchrony CSR people today Sept. 17, 2026, and not one of them said the same thing or seemed to really care. And you could hardly understand 2 of them because of their thick accents. Synchrony took away my ability to make payments ONLINE and said they can only take my CC/Debit Card Number Over the phone. I NOTIFIED SYNCHRONY TO PLEASE SEND AN EMAIL CONFIRMATION AND SYNCHRONY ACTUALLY TOLD ME "THEY HAVE NO WAY TO SEND AN EMAIL CONFIRMATION IF I MAKE A PAYMENT OVER THE PHONE. I NOTIFIED SYNCHRONY I AM AFRAID TO MAKE A PAYMENT TO A THIRD PARTY COLLECTOR WITHOUT A CONFIRMATION PROVIDED. I ALSO NOTIFIED SYNCHRONY THAT I AM A SENIOR CITIZEN AND THIS FEELS LIKE AN UNLAWFUL PRACTICE. I THEN ASKED SYNCHRONY SINCE THEY CLOSED ME OUT ONLINE TO PLEASE SEND ME AN EMAIL OF ALL MY PAYMENTS I HAVE MADE FOR MY RECORDS, SYNCHRONY SAID THEY CAN'T SEND ME PROOF OF PAYMENTS MADE OR EMAILS PERTAINING TO OUR CONVERSATIONS EITHER. THIS IS SO VERY SHADY AND NERVE-RACKING, IT IS ABSOLUTELY ELDER ABUSE. SYNCHRONY HAS SUCH A BAD REPUTATION AND WE KNOW FROM OUR REVIEWS AND OUR CONVERSATIONS WITH SYNCHRONY THEY JUST DON'T CARE TO HELP THEIR CUSTOMERS OR PROVIDE ACCURATE INFORMATION TO THE PUBLIC, WE KNOW THIS IS UNLAWFUL AND IT IS DECEPTIVE TRADE PRACTICES AND FRAUDULENT MISREPRESENTATION TO DELIBERATELY CONFUSE THEIR CUSTOMERS. AND MANY OF US SENIORS IN GOOD FAITH WANT TO PAY OUR BILLS AND JUST NEED A LITTLE EXTRA HELP BECAUSE OF UNFORSEEN HARDSHIPS. SHAMEFULLY SYNCHRONY IN BAD FAITH IS DELIBERATELY STONEWALLING THE PUBLIC. WHAT A COUNTERPRODUCTIVE WAY TO GET MONEY OUT OF YOUR CUSTOMER'S SYNCHRONY. DEALING WITH SYNCHRONY IS UNFORTUNATELY IMPOSSIBLE...
CONSUMER FINANCIAL PROTECTION BUREAU/CFPB

For one day late charge $40.00
Stay away from synchrony.

Automated and useless chat line. When I got live customer service to explain scam charges, individual said I could only answer their questions with one word answers for each. Useless service. Not worthy of one star. When I disputed scam credit card charges, they said it will take 2 months. Still waiting. I’ll cancel card when this is over.

Horrible. Horrible. horrible. Don't want to go into details but it would seem they dont know the difference between married and maiden name...smh just Horrible.

The credit card company is inconvenient. The customer service is inconvenient. Everything about this credit card is inconvenient. I will not use this credit company again.

They really deserves NO stars

Don't use them unless you have no options....

This is the worst bank ever to deal with. I pay it automatically off every month and however each time I use it they decline it then make me jump through hoops to prove I'm me and then I must re-do it. Plus they don't credit my account with payment when it is sent and out of my account and my bank says that is gamesmanship, they have my money and are playing games with it; meanwhile my account is not credited for the payment.

When I try to log on the system does not let me log on then tells me to search for account then tells me I've tried too many times and I'm locked out.

Then when I try to call customer service, it get worse, their automated system is non-helpful and give you grief if you want to speak to someone and when that happens they are rude and not helpful.

It is terrible that so many stores use then to process their store cards and that you get extra discounts for using store cards its not worth it for the hassle you must go through.

I'm probably going to cancel every last one of them, it's just not worth it.

I may just file a complaint with the Consumer Financial Protection Bureau (CFPB).

They had me on the phone nearly an hour for my request then they transferred me to finish the request another 15 minutes went by before a foreign operator answered and asked me what I needed help with I decided to close my account

The issue of Synchrony Crefit Cards. Synchrony Bank have the monopoly on credit cards so it doesn't hurt them to close valued customer accounts. My experience with Synchrony Bank that backs credit cards reasons for closing accounts is too high limit and too many credit cards at their credit limits. I've had my credit cards over 12 years with an excellent pay history and started using the Project Card for generator with available to use for generator maintenance. Synchrony open accounts for customer and wait until the credit limit is used. Their tactics are to lower credit limit after at least 600.00 in payments then 3 - 4 weeks later close your account. To date they closed 3 Synchrony brand credit cards with same reasons in the other reviews.

Had a active Paypal long standing account when Synchrony took over in 2026. They kept demanding bank information, customer service sounded like a foreign fraud call center . I felt uncomfortable sending a picture of my ID over the internet. I told them to just close the credit account. I got a letter a few weeks later that they were shutting down my account due to non use and unable to verify identity / fraud. this hurt my credit score. Shutting off any cards/accounts I have with the name synchrony attached to it.

Garbage CC provider. Had a Lowe’s card for 3 months used it once for a $10 purchase and they now closed the account on me for no reason. No change to my credit either. Avoid this bank, never had a good experience with them. See the thousands of other bad reviews.