Synchronybank Avis 

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!!

I have told them every month to opt me out of paper statements. They said they did but every month I get the paper statement and get charged for it. Even though I opted out of them! I don’t recommend them.

My experience with Synchrony has been extremely disappointing.

I signed up for financing through Discount Tire and quickly learned about policies that were either poorly disclosed or not clearly explained during signup. Charging customers $1.99 just to receive a paper statement feels like an unnecessary junk fee.

Even more frustrating is the billing communication. Payment notifications seem to arrive after the due date rather than giving customers adequate notice beforehand. Sending reminders after an account is already past due is not helpful and creates avoidable problems.

These billing practices feel designed to generate late fees rather than help customers stay on top of payments. Much better transparency and communication are needed.

I opened a CareCredit account for a $4,925 dental treatment (Invisalign) on May 6, 2026, at Ora Dental Studio. On the same day, I requested cancellation and clearly stated I did not wish to proceed with treatment. No treatment was received.

My dispute was denied twice. I did not receive a clear explanation of how my same-day cancellation and lack of services were evaluated in the decision process.

I filed a CFPB complaint to better understand the basis for the denial and how the dispute was handled.

Get rid of this card as soon as you possibly can because all they're doing is playing games with you. Worst credit card I've ever dealt with in my entire life, pay it off, get rid of it! They decrease me by $1,000 on my card for absolutely no reason My credit's never changed I've always paid except for one time. But yet they just play games with you! Pay it off get rid of it!

If it would be possible I would rate their services with 0.
The customer service, is unhelpful and difficult to reach a live representative. there are problems with processing transactions. . We do not receive on time the monthly statements either on mail or email, while the bank is charging ridiculous fees for the delays on payments. They do not give us the option of filing a survey about their service

I have a Lowe's account through Synchrony Bank. I usually use it only for big ticket items like refrigerator and washer and dryer. I went directly to the store each month and paid way over the minimum due and paid off both appliances long before they were expected to be paid for. Due to previous encounters with this bank I did not want to use the mail. In March of 2026 I used the card to purchase a toilet seat because I heard if you didn't use the card they would cancel it. It was $37. I never received a bill from them. I forgot about it until I got an email saying I owed $112. I was concerned that someone had gotten my information and was using my card to charge items. It took me awhile to get through, but when I was finally able to talk to someone they told me the only charge was for the toilet seat and everything else was penalties and fees for not paying on time! I told them I had never received a bill and they said they would investigate. About two weeks later I received a reply saying they had sent the statement. I paid the full amount due over the phone and decided not to fight it because this is such a horrible bank with awful business practices. Two days ago I received a bill in the mail saying I still owed $112! I checked my bank and saw that the payment had cleared the day I spoke with them on the phone! I will no longer be purchasing anything from Lowe's unless I pay cash. I want NOTHING to do with this bank. There should be someone to report them to. Trustpilot says they have a 97% one star rating. Someone should shut these people down! Don't do business with anyone who uses Synchrony Bank!

This bank is the worst. I decided to do a secured card with Amazon because I don't carry any debt, my house is paid off and I don't use credit cards, which means I have no credit, apparently, and after getting a terrible deal on a car because of that (I paid the car off after several months), I decided I would do the build-credit thing and also limit my Amazon spending by getting a secured card at first. I don't know what I buy every month, but whatever it is, I don't choose it. I have a balance due all the time, even though almost every time I log into the account I pay the statement balance so that my balance due is zero. But I always owe, it seems, and this stupid account that I cannot use is always past due. It is BS. This card isn't worth the hassle and hardships that come with Synchrony and its staff, its hidden fees and mystery charges. Just say no,

You are penalized for making more than one payment on your credit card. If you make multiple payments in a day your account is locked for 14 days. Ridiculous.

One of worst banks on the planet imaging giving $1400 limit and reducing it to $100 that's unbelievable!! That's despicable? Plus closed two of my accounts without was warning ..never ever do business with this lousy bank !!

This is the most useless credit card in the world.The interest is so heavy.I will never recommend this nonsense even to my enemies.

Theives! I had autopay set to pay balance in full on my Synchrony Lowes card. Autopay only processed minimum payment, because of their error I was charged interest at their extremely inflated rate. Synchrony refused to refund the interest caused by their payment processing error. I will avoid using any of their cards in the future.