Synchronybank Arvostelua 

I have 3 credit cards serviced by Synchrony Bank, Verizon Visa, Lowe's credit card, Pep Boys Visa.
Today I spoke with an agent that was border line rude, spoke when I tried to talk, and when I asked to speak with a supervisor, hang up the phone.

I've had a credit card with synchrony bank for a year now, always paid more than the minimum, no late payments and they deactivated my card for literally no reason and tanked my total credit line and thus my credit. Tried to call them to dispute and their phones are down. Actually very upset with this experience.

Jesus Christ, the most horrendous customer service

We were trying to set up an online user account to manage payments, and the customer service was not good. First, they were unable to find our account using our phone number, which was changed a couple of years ago, but Synchrony never updated it in our account. We tried to update our phone number to access our account. After two representatives, we still haven't made progress. We couldn't understand half of what they were saying, and they never texted the links they promised. And when we finally received one, they wanted us to go through a whole identity screening, including taking selfies and the like—all of this to pay our bill online. We finally gave up. We will call to pay off this account and close it. No one needs this much trouble!

I verified my identity with this bank 3 times while traveling to a different state. They refused to unlock my account yet when I became upset, they were able to close it. Interesting. Can’t verify me to unlock the account but you can close it? Poor customer service.

Synchrony Bank has the worst service. Wish I could give a negative review. Their customer service just repeats what the automated teller says. They are the absolute worst bank I have ever worked with. I wish the companies that use this bank would switch.

More like zero stars. I was introduced to Synchrony last year because of Sleep Number. I was approved nearly 6K when the account was opened. Spent less than half. I’ve been paying on the account, with one payment a few days late. I received notification that my amount was reduced. That immediately impacted my credit score. I called, they claimed they sent a notice informing me of this…they hadn’t. At any rate, 2 weeks later, I get notification that they are closing my account. Stating one of the reasons as “too many revolving credits”. I have not opened any accounts since theirs, back when they approved me. I had the same accounts back then when I was approved by them! With the exception of them as an addition! I do not understand. But after reading all of these reviews, it seems to be what they do. Approve accounts and randomly lower the credit amount and/or randomly close it. That’s horrible business, especially when payments are being made.

Absolute scam and fraud using fine print and deceitful language in their promotions. Then their customer service was rude when challenged. Won’t ever use them again. Stay away.

This is my second complaint on Synchrony Bank, every time I talk to them they change there story. The are holding a large some of my money and won’t give it back. They keep coming up with different issues. At first they told me they could only mail a check to me. I told them after many arguments I finally said ok send me the check. A week later they hadn’t sent the check. Then I was told they would FedX a check to me. Which I was originally told that couldn’t happen. Today I get a form in the mail to fill out. They want me to send a copy of my bank statement showing the check has cleared. It’s been well over a week since the electronic transfer cleared my bank. They put a block on the account which they already closed. They actually closed all my accounts. They were all in good standing and most paid off. They are a JOKE. they don’t care about people.

I'm giving them 1 star because I can't give less than that. I signed up for a card 6 weeks ago and was approved. Supposedly, a week later, they sent the card out. I was never notified to expect the card I was able to make a charge to it on my Sam's Club account. The card never arrived. I only discovered the shipping date when I went online and scoured my account for info about the missing card. There was no guidance available online options, so I selected "card not received". When i tried to access the chat feature you find out when the new card would ship, it no longer worked. No where in the app or online is a customer service number; I had to Google search to find one. The agent accused me of handling the issue incorrectly, and then blocked my ability to use the card with my Sam's Club membership ID. Do NOT get and expect to use this card. I am only passing to keep it to increase my available credit. There is only one company with worse service in this industry, and that's USAA.

I am giving one star only because zero is not an option.

I always paid my account responsibly and have now paid my balance in full. Unfortunately, my experience with Synchrony Bank was extremely disappointing.

After I received my Social Security Number, I contacted Synchrony to update my account information. What should have been a routine administrative update became an unnecessarily frustrating and time-consuming experience. I received conflicting information, encountered unnecessary complications, and even had to file formal complaints because the issue was not handled properly.

I also found it unnecessarily difficult to understand some of the charges and account information on my statements. Clear and transparent billing is essential for any financial institution, and my experience fell short of that expectation.

My review is not based on the credit card itself, but on the quality of customer service, communication, and account management. I hope Synchrony improves its customer support and makes account updates and billing information much clearer for its customers.

During the process, I was asked to upload my personal identification documents electronically multiple times. I also sent documents by fax and completed electronic signature requests as instructed. Despite providing everything that was requested, I was never informed what happened to my documents or why I had to keep resubmitting them. During the complaint process, I was informed that these documents could not be located, and to this day I still have no explanation of how they were handled or why the issue with my account was never properly resolved. The lack of transparency regarding sensitive personal information was deeply concerning.

Overall, I think Synchrony Bank a little below average - maybe a D+ grade! ! I have had several CDs with then for the last 8 years or so and have about five that mature in 2027, because they offer competitive rates. However, I dislike several things about them:

1) Just to close out a CD that is set to mature, they require you to call, which is ridiculous. But to renew a CD, they allow that to be done online. Customers should be alliwed to renew or close out CDs online. Recently I spent 10 long minutes on the phone talking to a foreigner with terrible English, who talked too fast and was kind of rude to me. Her name was Mary. She sounded Hispanic. They should allow closing out CDs either online, via fax or via email. Other banks do.

2) The automated recording that they have when you call, always tells you to stay on the line after a phone call to complete a survey. After my phone call with Mary, there was no survey offered to me; the phone call just dropped. After a chat session with a very disinterested man of Synchrony Bank was finished a week ago - forgot his name - again no survey was made available to me, even though he told me that one would be after closing out the chat session. I guess Synchrony Bank knows ahead of time that they suck and are afraid to hear in surveys the truth about how awful they really are.

I don't recommend Synchrony Bank to anyone. They should offer regular email and fax communication, because I like things documented, instead of talking to rude foreigners on the phone with terrible English.

Wish I could rate below a 1 one. Last year I kept getting a statement for an unpaid balance that I could prove that had been paid. On 3 different times I called customer service and it was found that the payment was received, however it had been posted to an account with a different address. Still my account but no longer being used. 3 times I was told that the payment could simply be transferred to the account with the balance. It never happened. thus the 3 calls. The balance finally went away after 9 months of calling. Customer Service? What customer service?.

This customer service is bad. I wanted to dispute a charge, I called the phone number and the automated system said it would send me a text to resolve my issue by chat. When I went to the chat it told me to call the number on back of the card. 🤦‍♂️

scam bank. nearly impossible to pay payments. wouldnt let me online. the one time i finally got to talk to an agent, they barely spoke english and had a poor phone connection. ended up having call drop. at this point i dont care. synchrony needs to be investigated.

The worst customer service and credit card company I have ever had to deal with. I purchased two items from Lowes and charged them to my card. Paid the card off. Returned one item and received a refund. Filed a dispute about the other item and won the dispute on June 6 with Synchrony and said I was due a refund. However, the company has refused to issue my refund as of this date. They are claiming the store refunded me for the merchandise which they didn't. I sent them a copy of the bill they had showing the refund was for another item in which I return for a different amount. They are telling me they are checking the store to verify whether the store refund me. I have written to corporate explaining and sending them receipts of what was purchased and what was returned. As of this date July 16, I have not received my refund. This is the 2nd time I have had to deal with the credit department of this credit card. I refused to use their card at Lowes and Amazon. I will not accept a card at Sam's because they use the same company. I have paid them off and I am suggesting people stay clear of the.
In fact, I wouldn't recommend their banking system either because they probably have hired the same type of people all over their financial institutions. I would stay clear of them. They don't even deserve a 0.
Mary Hambrick

If I could give zero stars, I would. This bank is incredibly predatory with how they handle promotional financing. They charged me full interest immediately after the promotional period ended without a single reminder, which feels intentionally designed to catch customers off guard. To make matters worse, their customer service is practically non-existent. When trying to resolve billing errors or unauthorized holds, hold times are endless and the representatives are often unhelpful or rude. They also routinely delay processing payments, which has led to overdraft fees on my personal checking account. Do yourself a favor and avoid any credit card or financing backed by Synchrony.

This is literally the worst financing company I've ever worked with. They make it IMPOSSIBLE to reach a human customer service representative to get any help if you have questions that fall outside of standard billing and payment. I've spent so much time waiting on the phone to finally get hold of a human rep, and for that human rep to be of little to no help.

How does a company like this continue to operate? If your company is looking for a financing partner, STEER CLEAR unless you want to make your customers' lives a living hell.

RED ALERT!!! STAY AWAY!!! They have tanked my credit!! I have 4 cards with them and use to have high lines. Never missed a payment yet they reported to the credit bureau of late payments and that my usage is too high at 90%. Well yes it would be if you decrease my 5k Rooms To Go limit to the balance owed of 2600 and not even 6 months later again to 1900 balance owed. And another PayPal CC 5k to 1300 owed and Amazon was 800 limit down to 290. Oh let's not forget my care credit from 6500.00 to 400.00!! I was never notified not even once. They are definitely predatory lenders and should not be allowed to handle the company's we use so often!!

Accounts Closed When In Good Standing - I have good credit, a few high balances on some cards as I was doing projects on my house. Never been late. Have six Synchrony cards. I failed to use one for a few months and they used that as an excuse to close it. Never been late. Moral of the story is make sure you keep your Synchrony cards active. Don't go a month without a charge or payment if you have balances on other cards. I have had this card for many years, with a company that I buy a lot of products from. Now, I will be buying from their competitor.