Synchronybank Arvostelua 

They suck on alot of there bs....watch them be sure you need there bs...

I had paid off my account and then I get this bill today
Total fees $3.99, paper statement fee $1.99, mininum interest charge $2.00........for what reason I don't know..........they turn everything into the credit ratings companies....my account had been compromised a while back and they brought my rating down by 52 points. it is still good, but that is ridiculous. I will never charge at Pennys any more or Belk. Its all just a rip off!!!!!!! I am sending in the check since I could not pay on line for some unknown reason just so my credit rating will not be altered again!!!!!!!

Synchrony Bank is absolutely terrible, and I would never recommend them. Even when you make every payment on time and pay double the minimum amount due, they can still reduce your credit limit. They do not value responsible customers, and their actions can negatively affect your credit while you are working hard to pay off your balance.

Once I pay off my balances, I am closing every credit card account I have through Synchrony Bank. I will never open another account with them again. Before applying for any store credit card, make sure you check which bank issues it. If it is through Synchrony Bank, think twice and stay away.

Capital One, BrightWay, and Discover have treated me much better. Beware of Synchrony Bank—they are harsh, unfair, and not worth the stress. Beware!

I have been working for moths to help my elderly parents receive a $649 credit, which doesn't sound like much but it is when you live on a very fixed (lower income) income. One agent tells you they can't help you unless you can get your senior parent, who has hearing and significant medical issues, give them permission, which I understand, but then they tell you "we'll send you a code in about 10 days in the mail, just call and give us that code and we'll help you." Nope not at all, I have to go through the same nightmare with three different agents only for them to tell me "no we have to update the address first" really it seems like you just want to keep these funds that this senior couple could really use to pay medical and living expenses. Customer service is no service at all, they consistently are unhelpful and provide no information of substance to aid you in resolving issues at all. I honestly feel badly for senior who try to navigate this nightmare on their own. At what point should customer service agents actually provide service and not excuses and no service at all. I would not recommend this organization to anyone. Additionally, they are not accredited by the Better Business Bureau. I would recommend anyone move their business from them unless you really enjoy being gaslighted.

I wish there were a way to have zero stars... Synchrony bank to charge me an erroneous fee of 1.99 per billing cycle under the name and brand of Discount Tire. Synchrony representatives informed me that this is to cover a bill printed and mailed to me. The approximate cost to do so under bulk mail for Synchrony is 0.42 postage, print and paper, which means they have created a profit stream of 475%. Read that again, that is not a type-o - a markup of 475%

This massive profit point of 475% is forced upon me as a client, without my express permission or approval.

Synchrony Bank furthermore has a policy that I am forced to figure out how to go online, create an account, and find where and how to select that I do not want paper billing to avoid the 1.99 per month charge. Online, there is NO OPTION to switch to paperless billing, further supporting Synchrony's strategy of making a 425% profit on "billing fees".

Now, I have a part time job trying to figure out how to get out of an ongoing fee/charge imposed upon me by Synchrony Bank.
Synchrony representatives told me exactly this, citing that they can not “change” my account status for me, all the while Synchrony indeed changed my account status to mandatory paper billing so that they could make an exorbitant profit margin on billing!
The only way to get out of this fee and switch to paperless billing is that you MUST go to their website then you MUST participate in AI chat, using the correct keywords to get the AI chat to give you hidden links to paperless billing.
I spent 1.5 hours getting credit back for the forced, fraudulent charge for paper billing and then figuring out how to turn off paper billing.
Deception at it's best! Do not do business with nor trust Synchrony, and beware that Synchrony "hides" behind other corporte branded cards and accounts.

Call the automated system, it doesn't recognize me, asks me to enter my social multiple times still cant find me, I guess I just wont pay, to hell with synchrony

I'm coming to the end of the fraud this bank is really noted for. You can't get away with the damage this bank can cause. And guess what, they can get away with it for now. For anyone concerned about infected Synchrony accounts, do not contact their fraud department. They do absolutely nothing so the whole process is extended. Better move contact, credit agency. Explain to them the mess you are in.

I have had synchrony cards for over 5 years with high limits. I've never used over 30% of any card. I recently paid off my mortgage and they reduced the limit on every one of my cards by thousands. This caused my usage to skyrocket, my availabile credit to reduce, and tanked my credit score. My score dropped a 100 points because of them. It will take years for it to come back up. This should be illegal.

I had 7 cards with synchrony Bank from Amazon to PayPal to Google store harbor freight and their MasterCard. almost all of then I have had since 2018/2019 time frame. I have never been late on a payment and almost always paid extra or paid off early 2 cards were just over 30% utilization the rest well under. I paid my Jeep if I'm June of 2025 and had a heart attack in July. I still never missed a payment nor was I late. they started dropping my credit limit which made my utilization 97%. when I called them they said it's because I have no secured loans and no real estate loans. I just paid my Jeep off and my house is paid in full. this cause my credit score to drop city Bank seen my shot drop and they did the same thing the discover then chase. because I paid my bills and had a heart attack synchrony Bank destroyed my credit score

I have “exceptional” credit, no debts, live within my means but Synchrony Bank managed to find a way to harass me for no reason whatsoever. Required me to provide proof of who I was TWICE. When I asked why, they could not divulge that information as they put my credit card in freeze for a couple months. Then they released the freeze with zero explanation for their actions. AND they were rude throughout the entire process, like I was a criminal. I DO NOT ever recommend Synchrony Bank for anyone.

This is the company handles Venmo's Visa cards. Venmo should be ashamed to be in business with them. Custormer is ilequipped to handle payment issues, and their script only allows them to apologize. Spoke to a manager that was smug and arrogant and had not intention of trying to assist in the situation. Done with both of these companies.

Synchrony operates as a predatory lender through deferred-interest retail financing.

I paid $400 before my first statement was even issued, then scheduled bi-weekly payments that would have resulted in $600 paid before the first due date. Despite this, I discovered that Synchrony would still consider the account late if a separate **$218 “minimum payment” was not credited within a specific billing window.

In other words, I could have paid nearly three times the minimum, on time and in advance, and still have my so-called “0% loan” converted into a 39.99% penalty APR with retroactive interest.

The minimum payment is structured so that the balance will not be paid off within the promotional period, virtually guaranteeing that many consumers will trigger massive deferred interest. Early payments are not clearly disclosed as potentially not counting toward minimum payment requirements.

Historically, interest rates above ~21% were considered usurious in many jurisdictions, which is why consumer-protection laws exist. While these practices may now be technically legal, this structure is clearly designed to trap responsible borrowers through timing technicalities rather than to provide fair financing.

Consumers should understand that with Synchrony, paying early, paying extra, and paying responsibly does not protect you unless you fully understand their billing mechanics. I strongly advise avoiding this lender unless you are prepared to micromanage every payment.

On a SYNCHRONY BANK Car Care account for America’s Tire, I paid my full balance of $594.16 on April 26, 2026, and asked Synchrony to close the account. Synchrony still charged me $3.00 of trailing (residual) interest on May 22. I paid this in full and they assured me that my account was now closed on May 28. On June 21, they charged me another $5.00, which I promptly paid. I then asked Synchrony on the phone how I could get them to close the account and stop charging me interest, and all they would tell me was to check for more money due later. I asked how much I could pay that day to close everything: they wouldn't tell me. I asked if I could pay a larger amount--such as $20--to ensure closure, and they could keep the change later; they said that they could not accept more than was currently due (such as the $5.00 for June). On July 22, they charged me another $7.00, which I paid on July 31. Notice how the amount owed is increasing by $2 per month--from $3 to $5 to $7--even though I have paid each month on time. I just talked to them on the phone again (on August 4), and they instructed me that--even though the $7.00 for July 22 is not due until August 14--and I paid it in full on July 31--I "might" still owe additional money again at the end of August. When are government banking regulators going to SHUT DOWN THIS ABUSIVE BANK?

This POS company holds your payments 8-10 days after they recieve it from your bank. I paid my card off in full on the 1st, the money is out of my bank acct and they got it on the 1st but I can't use the card again for 10 days because of the hold. Just another bs company taking advantage of people.

I closed my Synchrony account after months of billing that I could never get a straight answer about, and it has cost me my credit score over $8.

Repeatedly, I would call, ask for my exact balance, pay that amount, and then receive a statement the following month saying the figure I'd been given was wrong — followed by new interest and a late fee. This happened over multiple billing cycles. Every representative gave me a different explanation.

On my fifth call, I was finally told something no one had mentioned before: that payments have to be manually allocated, and that if they aren't, the money may be applied in a way that leaves a balance behind and triggers additional interest and another late fee. That was never disclosed to me in writing or in any of the four prior calls.

I paid the account in full on 3/15, ahead of a 3/25 due date, and closed it. Synchrony then charged residual interest on a closed, paid-off account. I was no longer receiving paper statements and had no reason to log in to an account I had closed and paid in full. That roughly $8 charge went unpaid, was reported as delinquent, and damaged my credit.

A bank that gives customers inaccurate balances by phone, does not disclose how payments are allocated, and then reports a customer delinquent over a residual charge on a closed account is not a bank I can recommend to anyone. I closed my remaining Synchrony card as well.

Synchrony Bank is a collection of criminals, pretending to be customer service advocates. They do nothing to remedy the problem and they make excuses for why they charge you late fees when you pay early the day before a new statement prints. stay far away from this company. If we keep bringing the truth to light, they will eventually shut down, which is what they deserve. Their employees have no moral structure. they argue all day long instead of taking accountability for their mistakes. one of the representatives named Ethan even once so far to insult my military background by saying he will not accept my statement about what they did to me because he has military family and then proceeded to call me a liar. they are obnoxious, unprofessional and disrespectful . Don’t waste your time with a bank full of liars and criminals.

I've had nothing but problems with Synchrony sice they took over my Paypal credit. I've ordered items and paid for them and then the charges reappear months later. I've disputed this and had a refund and was told I was all set and had a zero balance and then the same charge appears in my account again and they tell me there is nothing more they can do for me. I've had problems with returns not being refunded to my account. I've also had nothing but difficulties with customer service, they bounce you around to different departments and you end up being on the phone for up to an hour or more for one simple question or problem. I am canceling my account and I warn everyone not to get involved with them.

They rejected my dispute on charges from a company that straight up stole my money

While cleaning up my credit, my American Eagle credit card was one of the first ones I paid off. Two months later synchrony closed my account. I disputed this action and they declined. Absolutely ridiculous!

Synchrony bank has the rudest customer service representatives and their supervisors I have ever encountered, you would that they would appreciate long term customers, but they could care less.
No professionalism at all, and you can detect it in their fist few words.