Synchronybank Arvostelua 

This place is the absolute worst lending institution. The web site kept blocking me. Then it would freeze when I tried to change passwords. So I finally called, paid off my balance and closed the account. Next thing I know I’m getting another invoice? So I call again. Oh there’s nothing I can do she says. Those are interest charges!!! From what, I paid my balance.
BE WARNED THEY WILL CHARGE YOU FOR THINGS YOU HAVE NOT OCCURRED.

I have been a HSN customer since 2020 pay on time never missed a payment n the bank refused my credit limit from $1300 to $100 dollars yes my credit score had gone because of two cards I had trouble with so I canceled them
but the rest of my credit cards I continue to pay on time.
You would think since I was a good customer paying my card on time should account for something Right?

Awful customer service and customer support bank is a scam

I had "HAD" 3 accounts thru synchrony, in one month they closed 2 accounts I owed 0.00 on, the only acct I owed anything on they cut my limit in half taking my credit limit to 90% use from 45% use, combined synchrony dropped my credit score by 200 points, i will never accept credit from anyone that uses synchrony...if I can ever recover that is

One star is one star too many. Worst financial institution of all time! I have a Venmo credit card through Synchrony and have been going back and forth with them for over a month attempting to report fraudulent charges.

Without getting into details, I'll say it's been the most painful, bureaucratic process of all time. None of their reps are located in the US. They speak perfectly fine English, but it's a cultural issue. They just don't get it. I was transferred to three different departments, repeating my story each time, but all I've gotten is the big ol' runaround.

Here we are weeks later, and the fraudulent charges are still on my account. I've called Synchrony multiple times, but no one knows what's going on or is willing to help. Its been a neverending nightmare I don't see ending anytime soon.

Update 7/12: Still getting the runaround and attempting to get fraudulent charges off my account. It's become a part-time job at this point. I'm exhausted, discouraged, and angry. How is any of this BS legal?

Update 8/13: I had to hire a lawyer so Synchrony would finally address the issue. I closed my account on the spot. No bank is perfect, but this bank is the worst of all time. Don't be fooled by offers. Stay away!

Worst app on the Internet. Seems like the user has to put new credentials in every three months. Can't hold Face ID credentials.

Do not take out this bank, when you have several accounts they close it to you without justification, even if your payments are up to date and excellent credit.

Be careful with this company. They usually send out payment reminders, but one month they didn't send me any reminders causing me to be late. So just be careful with these guys

Big NO. Horrible bank. Online bank but looks like they don't know online means what. Online business only for registration but you will get card number etc in mail, it's big joke. They are providing interest free finance but in USA nothing is free, there is always a catch. They make money still they can't provide proper service. NEVER EVER USE THIS BANK, YOU WILL END UP IN FRUSTRATION.

This bank is the absolute worst in history! They close accounts that are PAID OFF AND ARE IN GOOD STANDING!! NEVER, EVER, DO BUSINESS WITH THIS BANK! If I go into ANY store that uses Synchrony Bank for financing, I will refuse to shop there!!!

The automated machine would not take my account number or social even though I was staring right at it putting it in correctly then it wouldn't transfer me to a real person once I finally got transferred to a real person I was on hold for almost a full hour before someone answered

I recently requested hardship assistance after losing my job. I submitted all of the documentation that was requested and waited for a response. After approximately one month, I received a letter stating that my hardship request could not be processed because my documentation was incomplete.

I called customer service to find out what was missing. During the conversation, I referenced the email I had sent, including the date it was submitted. The representative initially told me they had not received the information, but then stated that the email had actually been received a week later, confirming that they did, in fact, have my documentation. She then informed me that additional paperwork was still required.

The entire process has been frustrating and confusing. I understand that I am responsible for this debt, and I fully intend to repay it. I am not asking for the balance to be forgiven—I simply requested temporary hardship assistance while I work to regain employment.

Unfortunately, due to the loss of my job, I am currently experiencing financial hardship. If I had the ability to make my regular payments, I would already be doing so. Instead of receiving assistance, I feel like I have been given inconsistent information and unnecessary delays.

I remain willing to work with your company to resolve this matter, but I ask that my hardship request be reviewed fairly and that I receive clear, accurate information regarding any additional documentation that is actually required. It is difficult to make payments when I currently have no income, which is precisely why I requested hardship assistance in the first place.

According to Synchrony, on June 25, 2026, I logged into my online account using my iPhone, added my checking account, and authorized a one-time payment of $71. I dispute these claims.

My checking account was already on file with Synchrony before June 25. I had no reason to add the same checking account again, and Synchrony’s own representative stated that the checking account associated with the June 25 activity contained an additional digit compared to the checking account that had previously been saved on my account. She was unable to explain why there was an extra digit or how that discrepancy occurred.

I also did not knowingly authorize a one-time payment on June 25. Even if Synchrony’s records show that a checking account was added or modified, that does not establish that I intentionally authorized a payment. When I questioned this, the representative repeatedly relied on internal timestamps and stated that because the activity originated from my iPhone, no investigation would be conducted.

Synchrony further informed me that they could only see timestamps indicating activity on my account but could not provide any evidence beyond those records to demonstrate that I knowingly authorized the payment.

The payment was subsequently reversed, and Synchrony charged my account a $30 returned payment fee.

I immediately contacted my financial institution to verify whether Synchrony had attempted to debit my checking account. My bank advised me that they found no record of any ACH debit attempt or attempted withdrawal by Synchrony related to this transaction.

Despite these discrepancies, Synchrony refused to investigate my dispute or provide a meaningful explanation as to:

* Why my account allegedly contained a second checking account with an additional digit.
* How they concluded that I knowingly authorized the payment.
* Why my bank has no record of an attempted withdrawal while Synchrony assessed a returned payment fee.

Instead, I was simply told there was nothing they could do and that the returned payment fee would remain.

39.99 Interest Rates. No account Access.
Balance 0 to $3000 than $4000 with around $200.00 minimum. Unexplained Balance added to Account(Request 4 digits - Not the account number with confusion to which account Payments are applied to?

Ex. Payments go to Care Credit Account or JC Penny account with 39.99 Interest rates.

Repeated account set up stil Unable to bill Payment o account online. Charges for bills I am not receiving. Hours on the phone with yes unresolved with resolutions. Balance jumped so high you are unable to a balance transfer. I Interest Rate jumped to 39.99 with a 195.00 Minimum Payment with excess charges

Synchrony Bank turned my $2,000 Ashley Furniture purchase into nearly $4,000 with a 30% interest rate, even after I paid $1,300. I was promised two years no interest, but they started charging after one year. When I offered a lump‑sum payoff, they refused to work with me. This is predatory, misleading, and financially abusive. I will never use Synchrony again.

This website and bank sucks!!! I plan to close all cards that use this service. I am not getting notices until late and the payments are posting. I have been dealing with this for years at this point. I'm over it! Synchrony is garbage!!!

Stay away from this bank, they steal your many without telling you

I HIGHLY RECOMMEND EVERYBODY NOT USE THEIR CREDIT SERVICE. THEY DON'T CARE ABOUT US.

Absolutely horrible company!! I’ve made faithful payments to my card and they dropped my credit limit 82% because I wasn’t making a high enough payment on an already low debt. They also closed my husbands credit card because he wasn’t actively using it. I called to get answers and I wasn’t properly notified of any of these changes, I also asked to file a complaint and I was told “um no. We can’t do that.” The representative was very disrespectful and I didn’t not appreciate their attitude. I’m told to deal with it and apply for a credit limit increase, when they made changes to my credit and didn’t say anything my credit score was affected, now I’m told to do the application over and affection my credit more for a maybe? Absolutely NOT!!