Synchronybank Arvostelua 

DO NOT USE THIS BANK!! If you have synchrony payments set to auto pay, there is nothing to worry about right? Wrong! The payment amount is changed by them and in the end they charge you some exuberant amount of penalty. Most unhelpful and noncaring customer service.

I am a long-time Synchrony customer and an Amazon Prime member, but my recent experience has been an absolute nightmare. I returned two items back in May and provided official proof of the return, yet I was never credited. Synchrony actually investigated and officially approved my dispute in July. It is now September, and I still have not received the credit on my card balance. Every single month customer service gives me the exact same script: "wait until next month, wait until next month. "This is completely unacceptable customer service, and they are holding my money hostage.

I'm trying to change my phone number. They want to send a text to my old number to verify my identity. That's not possible, so I called them. I got an overseas call center. She wanted my old number, new number and another phone number. I don't have another number, so she wants to send me a link to a site where I would give identifying information and take a video of myself. International texting rates would apply. Why would I do that? I searched online and found that the number I had called was a phishing number and my video could be sold on a phishing market. So I looked up the real customer service number and called them. I ended up with the same call center and a girl who stumbled over her script and kept pausing to be coached by another person. She also wanted me to send a video of myself, with International texting charges. I hung up again. Do i need to change my phone number? Maybe not.

This card is the WORST! I simply tried to update the phone number on my card and it wants to send a verification to the old number..no other option. I don’t have that number anymore. 🤦‍♀️ . They give you no other option ( like email, account password, etc). I had to log on with user name, password, verification code to email and can provide birthdate and ssn, but that is not enough. They want you to send a picture of your photo ID and a video of your face. This is NOT NECESSARY! And absolute BS! If you won’t do that, they will send a code to your mailing address. Like this provides better protection than all of my identifying information. If Sam’s Club had any other option, I would dump this card. And I might anyway. I’m not providing a photo of my ID and a video to a foreign call center. Why? Because then I will most definitely be hacked! Avoid Syncronicity anytime you can!

After having my Amazon Synchrony card for 1 year and paying the card off, the system reviewed my account & reduced my credit line by 400% due to a high number of revolving accounts in July. Then denied my credit increase due to "not enough time" at my current limit. I called to explain my home & car installment loans were now paid off. So I was actually LESS of a credit risk & had paid my card off in July. Denied. Escalated to a supervisor. Denied. Closed my account. Will use & pay off credit with another financial institution with common sense.

horrible bank to deal with
excess fees undisclosed at application.
If you call to complain they hang up on you.
I've had 2 horrible instances with them.
Do yourself a favor and go elsewhere

They closed all five of my accounts saying I was high risk of not paying back. I paid on time every month and more than what was due. I had just paid off one account with them. They are the worst people to do business with. They were always locking my account for fraudulent activity, even though there wasn't. PLEASE AVOID SYNCHRONY AT ALL COSTS!

I paid my card on time for 4 years never once missed a payment finally paid the balance and they shut it off 2 days later I'm writing to share a very disappointing experience with Synchrony Bank. I've never once missed a payment and have worked extremely hard to pay down my balances, even through serious hardships. Over the past two years, I've lost my fiancé, my grandmother, and my niece. All while dealing with a documented identity theft case that's already under police investigation. Instead of being treated with basic respect, I was met with a rude representative who brushed me off as nothing but a risk factor. No explanation, no help, no empathy. Just labels. For a bank that profits off customers, the complete lack of compassion and professionalism was shocking. I expected fair treatment and clear communication, and I got neither

I was approved for a Guitar Center card, paid it off in 3 months. Was pre-approved for a DSG (it wont let me say Dicx) card but denied. I have a 740 credit score and now have a denial and a hard inquiry on my credit. I asked to speak to someone regarding the decision and was denied. Never again will I use this company.

If you want to get screwed with high interest and your credit line jump like kangaroo up and down then synchrony bank in best choice for you.

Horrible bank and card. They say you have to go into the store in person to pay your balance with a debit card, but you have to pay with a checking account online. I had an online subscription bill my bank checking account $500 unauthorized and caused a return payment for Synchrony. They said I had 2 return items in 12 months and I explained I just got a refund for $500 and that was why their item was returned and that it was verifiable. I also told them if I didn’t have to drive 40 minute round trip to JC Penny to pay with my bank debt card I wouldn’t have had any issues. What kind of bank of bank makes you drive to the mall to make a payment using a debit card.

Horrible bank. I paid my card balance in full each month and because they posted it late, I get charge interest fee. They wouldn't delete it and insisted that because I paid late. I wanted to close this account and when I confirm with the customer service for my last total balance, she rounded up the amount! What kind of company is this, rounding up the amount. What a scam!

I made an online $500 payment that they said was returned by my back because the account information was wrong. I made a second payment 30 days later and it processed. I made NO changes to my account information between those dates. When I questioned Sychrony about the issues they responded with a long response that had nothing to do with my question. As I continued to question the charges I continued to get very similar responses, which never answered my the question.
Moral of this story is NEVER get involved with this outfit, you will be sorry.

I've held several accounts at Synchrony Bank for almost ten years and I've always had wonderful interactions with them. Customer support is wonderful and easy to work with, the website is eaay to use, I couldn't be happier with Synchrony.

Long hold times, representatives that do not always speak and understand the English language. Poor customer service. I've been told to try online and that was not helpful and I call back and get disconnected. All this was over an address change. I have several synchrony bank credit cards and some how they missed the address on one account and locked it. Now they want me to go online and submit a video and pictures.of my driver's license. It was their mistake, not mine. Now I'm waiting for a letter in the mail 7-10 days and need to call them back. Worst customer service ever.

The absolute worst bank in terms of technology and thats saying something up the side of the other big banks who are also aweful. Constant recurring issues with their app and website, overseas call centers who cant understand the issue or even want to help. When you do speak to someone in the IT team you are literally gaslight into the issue being your fault even though you can clearly show there are issues in the technology. I dont choose to bank with this company I am forced too by store cards I own, but i will cancel those and provide this as the reason. Aweful bank, aweful technology, aweful customer service.

Absolutely the worst Credit Card company - DO NOT ACCEPT ONE!

Venmo issued me a CC, THROUGH Synchrony. I paid it every month. No balance. Then, one day it was declined, for Fraud, they said. There is absolutely no way to get your card back after they do that. NONE! Four months now. TWICE I proved my identity with their own link to scan my face, both sides of my license. Nothing. Still can't use it, and won't send a new one. I spoke to them no less than Four times on the phone. Email is useless as well. Not one person in that company is competent. Stay away, and never even considered using this company for anything. I'm not even going to use their regular app to pay friend, anymore. I'll use PayPal from now on.

Synchrony does not care about their customers at all. They charged me a fee for my autopay not going thru when I specifically took the time to call & make my payment on time via phone with a different card that would work. After being on the phone for over an hour to reverse the fee & go ahead and pay off my card, they concluded they could not reverse the fee when I was literally one payment from completion. They suck. I’ll never be doing business with them again!

My account was over paid by $4395.56 and I requested a refund on 8-11-26. I call today 8-21-26 and Synchrony Bank had not issued my refund. The Rep put a request for the refund check 8-21-26 and now tell me again I have to wait 2-3 weeks after I waited 10 days. Also, customer service kept placing me on customer service que instead of resolving the problem. TERRIBLE CUSTOMER SERVICE AND IF YOU DONT CALL THEY WONT GIVE YOU YOUR MONEY BACK. ADVISE CALL THEM EVERYDAY TO MAKE SURE THEY ARE DOING WHAT THEY SAY!!! RATED NEGATIVE!!

The WORST CUSTOMER SERVICE BANK I HAVE EVER DEALT WITH. On hold FOREVER while a computerized voice kept saying every 10 seconds that “Your call is very important to us. A customer service representative will be with you shortly” That may be true if they think an hour+ is “Shortly”. The worst bank ever to deal with. I did not choose them. They took over a loan I had. THE WORST. I would give them less than 1 star if I could.