Synchronybank Avis 

Garbage CC provider. Had a Lowe’s card for 3 months used it once for a $10 purchase and they now closed the account on me for no reason. No change to my credit either. Avoid this bank, never had a good experience with them. See the thousands of other bad reviews.

DO NOT LET COURTNEE SMITH HELP YOU. She has no idea what she’s doing and she is the WORST banker I have ever talked to. Hopefully this company can do something about this.

If I could give 0 stars, I would.

First, they made an upgrade to their website, so I was unable to log into my account for days. Then, when I was finally able to log into my account, I noticed that most of my accounts has their credit lines cut and the accounts were closed. No notification, no email, nothing. Two of the cards had been paid off.

When I spoke to an unhelpful "customer service" person, they said that the accounts were closed due to "high risk of non-payment". I have 15 years of 100% on time payments. Why am I all of a sudden a "high risk"?

This bank is ridiculous. Never been late on my credit card. They kept lowering my limit until it was paided off and the closed it. This now effects my credit score. I will never deal with this bank even if was the last bank standing.

I would strongly caution anyone considering financing a large purchase through Synchrony Bank.

I am someone who stays on top of my bills and takes my financial obligations seriously. When I financed a $15,000 purchase, I was told that I had a 12-month promotional period to pay it off. I specifically budgeted the purchase over those 12 months. I later discovered that the promotional period on the account was apparently only SIX months, and I was hit with a substantial amount of interest that I never would have incurred had I understood those terms.

I cannot currently locate the original documents, so I can't say where the breakdown occurred between what I was told and what Synchrony ultimately applied to the account. What I can say with certainty is that I would never have knowingly agreed to a six-month promotional period on a $15,000 purchase. It made absolutely no sense for my budget, which is precisely why I planned the payments over a year.

The most infuriating part is that I had the money to pay the balance. This wasn't a situation where I couldn't afford my bill or simply ignored it. I relied on the terms as they were explained to me and ended up paying a huge amount of interest as a result.

For a financial company offering promotional financing, there should be ZERO ambiguity about when a promotion expires and when thousands of dollars in interest can suddenly be charged. A consumer shouldn't have to discover after the fact that the financing arrangement they thought they had was something entirely different.

This experience cost me a significant amount of money unnecessarily, and I will never use Synchrony Bank for financing again. If you're considering one of their promotional financing offers, get every single term in writing, save it yourself, and independently verify the expiration date. Do not rely on what you're told when you sign up.

Synchrony bank took over the American Express Lowes card earlier this year. Prior to this payment was made directly to AMEX and have not had an issue in over 20-30 years. EVERY month since Synchrony took over there has been some issue with the account, no statement, can't login, and this , month 'they didn't receive the payment'! Per our bank it was paid on 9/3 and as of today, 9/10, Synchrony has no record of it. Last month it was paid through the same bank, pmt info etc and it apparently went through fine, but not this month, Customer service was anything but helpful and indicated that the paying bank "will always tell you it is paid". He was extremely obnoxious. SERIOUSLY looking into a different business card.

If I could give ZERO stars I would. Have had several credit cards where they were the bank and the closed accounts unexpectedly for NO reason as the cards were paid in full. Terrible customer service, I have cancelled my Amazon Prime, PayPal, and now One Pay and will make sure any cards I get are not associated with them at all. They made my credit score drop because of these unnecessary closings. And one of them I especially wanted to keep open strictly for vet bills. I will use my bank’s credit card now only. I don’t even think Synchrony is a real bank at all.

I’m a former Synchrony customer, and today I learned my credit account was closed due to six months of inactivity. This card had a high interest rate, but I kept it specifically for medical and veterinary emergencies. The account was in good standing, and I had paid down roughly $5,000.

Despite that, Synchrony closed the account without notifying me, without requesting authorization, and without sending any letter or email. I only discovered the closure when checking the account before an upcoming vet appointment.

Closing a long‑standing, paid‑down account with no notice is irresponsible and creates unnecessary risk for customers who rely on these lines for emergencies. Very poor business practices. I do not recommend Synchrony.

Do not get this card if you ever plan to travel or make large purchases. Synchrony Bank routinely denies my charges for the slightest "unusual" activity. I have had the card declined while on vacation trying to treat my family to dinner just because I was out of town and the bill was higher than normal. Most recently, a glitch on Sam's Club's own website caused a processing issue, and Synchrony instantly blocked the transaction. It is an incredibly embarrassing and unreliable card to carry. Look elsewhere.

Most customer service reps are rude and insulting. Some of them speak so fast you cannot understand them. When asked to please slow down, you can hear sighing in irritation over the phone. If it weren’t for my flying club, I’d cancel my card.

I have now spent over two hours on the phone, and I was told I could not ever login unless I received a letter, so I could prove my identity. I have a $600 credit. The agent I spoke to sarcastically she was sorry she was talking to me. What kind of a person says that? She should be fired.

The worst bank you can open a credit card with. Always made my payments on time regardless of it was the minimum or most times more than the minimum. Always taking available credit to only a few dollars left on the card and even one time making me at a negative. Thank you for making my credit score always with a high utilization because every time I was catching up the available credit you guys came and made less available from t $2000 to a $500 to a $67 credit card and then closing the account when I paid it off. You guys are the worst credit card bank and company to help people with their finances once my other two cards are paid up with you I’m closing and never using your desgrace of a bank. Should be ashamed of your self. And don’t give that it’s a computer that runs the accounts and credit I’m a human being not a computer to get what I’m worth. Do better. By the way all of my family and friends are dropping out of your miserable credit cards. And yes Im posting all over my media this post. Had enough of you.

Synchrony bank manages credit card services for TJ Maxx/Marshalls/Homegoods. I came here to write a review, which I almost never do, to say they’re terrible, and I’m likely closing this account. I pay the balance every month, and they take my money, it’s posted to my checking, and it takes weeks to be applied to the card - ESPECIALLY for larger payments. They’ve given the excuse that they have to wait for it to post, but that’s BS, because I can clearly see they have my money posted out of my checking. It’s annoying and irritating they can’t get it together, especially when they have this poor of a rating on trustpilot.

Got a new OnePay card from Synchrony at the end of August and used it that day. Got the card in the mail first of September and made a payment September 4th. Got an email that my payment was due September 27th. Went online and yes payment was processed on the 4th and another due September 27th. I spoke to them and they said payment was made on last billing date and applied to previous month. I JUST GOT IT! Paid it off and closing it. Crooks.

Couldn't even get updated address right. PayPal uses them for their credit lines/cards and recently PayPal updated mine to a credit card. Address got ported over wrong. Customer services was rude as hell, had lots of trouble understanding them, hung up on me as soon as we where done, didn't even send me to the survey that was suppose to happen at the end. They still got the address entered wrong, putting my apartment in front of my street address.

FRAUDULENT!!!
On the same calendar day as “payment due,” they hit your account with a $38 late fee!! This is unlawful.

Constantly shutting off my autopay and making my payment late. Then charge me outrageous fees.

I had two credit card accounts that were managed by Synchrony Bank. Yesterday I canceled both cards. Synchrony Bank manages the credit cards for JC Penney Company and Lowe's Home Improvement Stores. I have no problem with either of those stores, but I will use different credit cards (NOT managed by Synchrony Bank) when purchasing from them in the future. I endured Synchrony's abysmal customer service for several years, in the hope that it would improve. Instead, it only got worse. I finally reached the end of my patience. Synchrony's reps are discourteous, uncooperative, unhelpful, and obstructive.

horrible experance....offer a great low interest loan with lowes....tried to enroll but had credit accounts locked. so I unlocked them. now getting an error I need to wait 10 days....offer for low rate is over in 3. called and got transferred from one "I don't know" to another.....they sucked. I have an 849 credit score...not used to being treated like this.

Absolutely the worst customer service experience I’ve had. Synchrony, handling the Sam’s credit card, was unresponsive, dismissive, and painfully slow to resolve basic issues. I was bounced around with no clear answers, no ownership, and zero urgency. This level of indifference is unacceptable. If this is how they treat customers, think twice before trusting them with your business.

Spoke with the rudest associate at 12:23 PM when I called the main customer service line after being put on hold for an hour. She should not be answering the phones.