Synchronybank Avis 1 697

Fraudulent and deceptive practices. I signed up for their CreditCare care to pay for my dogs emergency surgery and was told if I pay the minimum payment every month, it will pay off before the interest kicks in. So I threw the card in a drawer, set up an auto pay and left it alone. Flash to years later and I was wondering why the payments were still going through, found that a 'card insurance' that I never signed up for was added to my account which is, I suspect, why I didn't have it paid off in time and caused the balance to grow ending up at a higher amount than the surgery was to begin with.
I tried to dispute the insurance service and they promised to send an letter proving I added it, but it will take 5 to 7 days. While waiting, I closed the account and paid off the entire insane amount just to stop the bleeding. The supervisor I spoke to who closed my account didn't mention any additional charges or anything else.
Well the letter came in and their 'proof' was just a few lines saying 'Our research indicates you purchased Payment Security on 06/11/2024 via an online enrollment'... that is not proof, I don't think I even logged into my account at all that year. Add to that I logged into the account to have it in front of me when I called them back and found a new 76$ interest charge.... how is there interest on a 0$ balance, according to the rep its because they charge interest in arrears, but then why didn't a supervisor closing my account, knowing I was trying to get to a 0 balance, bother to mention this to me on his recorded line? Had I not gotten this letter prompting me to login, I likely would have missed the brand new questionable charge and been back in their pocket with recurring late fees.
Consumer be warned, do NOT use this company unless you absolutely have to, and even then, watch over your account like a hawk, and do not trust anything they tell you.

If I could id leave no stars for this bank. I payed $36 in cash to the actual store in JC Penny Three Rivers mall in Washington and Synchrony bank is now charging me an extra $35 for a hidden late fee when I know I turned it in on time. Im paying this bank twice for a ring I bought. I will never use that bank again and I highly recommend never using it yourself as its really hard to get both companies on the line to discuss bills. All they focus on is the money and not the customers. Poor customer service altogether. Continuous nagging for more money two months after you payed off your previous bill. Honestly I hope banks like that go out of business from lack of customers. Its unprofessional how they handled this.

Approximately two-years ago, I decided to try and grow some money so I had transferred of what I had from PayPal into this associated bank. Received an email about a month ago stating that I can't just use it to grow interest on my account so I either had to start showing activity movement or they were going to transfer all of my money back over to PayPal. All for a measly twenty-bucks per year lol!

You guys are scamming all the time , I get a credit card and start making payments every months. After paying two years , my premium is more than original. This is total scam

worst place to get a credit card from low amount and would take card away soon as you pay it down also won’t let you use the available amount on card! DONOT apply for any credit cards associated with them!

I wish there was an option for 0 stars.Because that is exactly what I would give for a review... They tell you about a promotion on certain amounts of your card. So I pay it off, they can't process the check over the phone. They blame it on my credit union. So when I call and I cannot understand the customer service lady. I get switched to a supervisor that tells me she has no idea. I would have to take it up with my bank. My bank has no record of it. Everything matches, they did not process the check. This was ABC warehouse that uses synchrony bank. It is absolutely the worst bank. I've ever used. They also use a synchrony bank for care credit. Another scam. They tell you to go anywhere. Mastercard is accepted, but that is not the truth. Most businesses will not buy in or comply with. I don't care credit because they charge both the customer and the business to use their card. And if you use it where a mastercard has that logo, the interest rate is absolutely insane.Because you didn't use it where they told you to.It's an absolute scam and they continue to get away with it, dealing with them to pay them off is absolutely ridiculous.

If i can leave zero stars - i would love to . This bank it total scam , please stay away from them !
you buy mattress and the store will tell you that you can pay in 3 years. You will think that total amount is split in right amount when you get first invoice . But that will be minimum, that has nothing to do with right split.In 3 years you wont be reminded by this scammers that you will be charges 34.99 % of interest now . And Voilà - you are getting couple thousands more added to your balance to feed this scammer. If you can stay away from them - please do . No surprise they have 1 star here . It is absolutely deserved

April 22nd went to buy something and the charge was declined. Went to the app to find out all 11 of my accounts were closed with no notification. No late payments, more than the minimum payments, early payoff on my accounts and they closed them all with some of them with a balance. I’ve worked so hard to get my credit score up to 700+ and with this it’s going to make my credit usage go up which will probably make my credit score go down. This company has no concern about things like this causes a negative impact on the consumer and all I got from customer service and a letter I got on the 24th is a high risk account please explain to me what that means when I know I’ve done everything right with them for years….

Would leave -10 if I could. Account was transferred to this company from AMEX and it’s absolutely horrible. Did not receive account # or card. They will not accept a payment until they do send me the card which will make my payment late. They say they cannot request the card to be expedited because they aren’t the person that ordered the card. The person that ordered the card hung up on me… I CANT pay my payment because they refuse to accept it. Absolute garbage. Will be paying off the balance and CLOSING this account as soon as possible.

Paying my bills and still get random reductions in credit limits!!!!

Dropped my credit lines via paypal and care credit to what i owed (at the same time) with no warning prior so i could pay balances beforehand, leaving me with 97% and %96 utilization and dropping my credit score exceptionally. Garbage company.

2 issues about a yr ans a half ago my savings account was hacked completely. Syncrony bank refused to help me until i logged in on my home computor and i was in FL and i live in Md. Needless to say i came home and when the $49k was put back in my account i closed it. now my Sams CC has along with my personal info has been hacked almost 9k, my address, phone,email all changed and they are treating me as the badguy. They have a link that they send that you have to proof who you are and it does not work. so the bank is sending me letter. now if my address has been changed hpw will i get that letter? to be continued 04/23

By far the most ignorant, rude, incompetent staff! Their practices are borderline criminal.

NOthing but problems with a credit line and credit card issued through Synchrony with the PayPal logo. Sudden and random credit limit decreases, misplaced payments, poor customer service, slow and problematic website.... decrease letters stating due to 'my Venmo usage' (???) ... I learned of the last decrease through a FICO alert and got their letter 3 days later. (Mind you, good credit scores, no late payments)

Finally had it with them and did this:

The details and comments of your account
**** ******** with SYNCB/PAYPAL CREDIT CARD changed. This Credit Card comments changed on 04/23/2026:

Comment 1: ACCOUNT CLOSED AT CONSUMER"S REQUEST

Good riddance.

Highly recommend Capital One and American Express for your credit needs.

I called Synchrony Bank 2 weeks ago to argue a charge that shouldn't have been added on my canceled Lowe's card. Today I got an email saying that they lowered my credit limit on my Sam's Club Elite Master card from $1500 to $430 which is only $20 more than what I owe. So I canceled my card and will never do business with Synchrony bank or any business that offers credit through Synchrony Bank.

I had to give 2 stars just to write a review ! That should say enough . They constantly run your credit throughout your time with them FOR NO REASON bringing it down. Mix and match customer service reps today I had someone really nice , last week awful ! It’s always something with these people !!!!!!!!!!! Will be so excited when I’m DONE with them

I was almost done paying off my cc loan . I was unware I had till a certain date to pay off cc. They hit me with additional 9k. I was furious . No emails, No updates. Interest is sky high. DO NOT GO WITH THEM EVER. SEEK CREDIT ANYWHERE ELSE. THIS INCLUDES ALL SYNCRONY CARE CREDIT, SYNCRONY HOME. SYNCRONY AUTOMOBILE.

1 star is too high. Someone on the inside was using our credit card as soon as a new one was activated. This happened a few times before we caught on to the scam. Absolutely horrible entity. Financial institutions have a fiduciary responsibility to their customers & this company is the farthest thing from responsible.

Awful company ! Poor customer service. I won't be bothered with them anymore. Paying off and closing. Absolutely ridiculous.

This company is laugh outloud AWFUL, and it's no surprise it has this appallingly bad rating, which would and should sink any reputable company and force it to shut down. I just applied for credit for Lasik surgery for $10,000 because I can but don't want to pay cash for the procedure. I have a very high net worth, own multiple properties that are completely paid for that I collect rent on every month, have nearly NO debt, and my FICO hovers between 820-850. Synchrony turned me down online within 20 seconds. I intend to contact the head of the business office tomorrow at the major Orange County medical facility whose business office referred Synchrony to me--since they are one of the biggest in the OC--to tell them they should immediately stop insulting THEIR paying clients who have procedures done through their medical group, procedures that make THEM money, by offering as their only "credit" option such a GARBAGE company. When I think about someone like me, who has worked for 60+ years very hard to get to where he is, and if I'm turned down, then who on God's earth WILL Synchrony approve and lend to? Don't waste your time, they are TRASH.