Synchronybank Avis 

Offers auto pay service that doesn't actually work, but they're fast to text the hell out of you for money and hit you with a credit ding.

Every time I called, the person got my security question wrong. I was told I was under review when I said that wasn't the question I wrote down. I got a letter with a security code; I called they said I was under review.
I got a denial email one day, an acceptance email the next
Incompetent

Do us all a favor and close your doors. As un-American as a company could be. Pathetic on their best day, embarrassing on the average. Never use this company unless you want to be a part of a failure.

Mafia style lending practices unfair and illegal credit reporting practices, steer clear of these .. knee cap breaking kinda lender!

I attempted to contact Syncrony and found most phone numbers are inactive. Once I found a working # I sat listening to the terrible jingle loop message for 24 mins. When the woman answered it was the worst possible customer service I have ever experience. A most entitled individual. I was then transferred to Fraud Dept. and it clearly routed through to the Phillipines. The woman in the Phillipines was very courteous and tried to help. Someone attempted to apply for credit using my name and I cannot get any detail to identify the applicant, or any method of avoidance of future attempts/risk.
My past dealings with Sycrony whom I despise attempted to give me a credit card years ago and I refused. That again was a equally terrible experience. I encourage any and all to keep their distance from this bank.
I did try to leave a great review for Customer Service in the Phillipines. The call transferred back to America and Brittany answered. I offered a strong Positive review for the Phillipies and continued with my experience in the Americas with the entitled one. Brittany hung up on me? I was not rude or impolite, simply concise in my experience. I sure hope the woman in the Phillipines got a good result from my review.
The Worst Customer Service!!!

Pitiful customer service. My Sam’s Club card shows invalid and the dumb people here have no idea why. Because of them, I will never shop at Sam’s again.

You absolutely suck

November2025 i applied for a onepay cars from Walmart. I got the first stmt and saw a membership fee of $54. I do not want to pay for membership so i called Walmart and had that cancelled and was told my balance is zero. Since then onepay charges my account $43.00 for interest and late fees. I get no answers when i call to explain why i’m not paying. I have not used this onepay card because of this. They reported my “past due” balance to the credit bureau which caused more damage to my credit score.

Agree with all the other reviews - AVOID this bank at all costs. Customer service is awful, providing misleading and deceptive information particularly regarding "hardship" programs. They will tell you 10% of what you need to know and not disclose the other 90% so that you are trapped and inevitable paying interest on deferred loans when promo periods end. Accounts closed leaving zero visibility for the customer. Add that to an automated phone system that talks to you in loops. Extremely frustration experience.

DO NOT USE THIS BANK!! If you have synchrony payments set to auto pay, there is nothing to worry about right? Wrong! The payment amount is changed by them and in the end they charge you some exuberant amount of penalty. Most unhelpful and noncaring customer service.

I am a long-time Synchrony customer and an Amazon Prime member, but my recent experience has been an absolute nightmare. I returned two items back in May and provided official proof of the return, yet I was never credited. Synchrony actually investigated and officially approved my dispute in July. It is now September, and I still have not received the credit on my card balance. Every single month customer service gives me the exact same script: "wait until next month, wait until next month. "This is completely unacceptable customer service, and they are holding my money hostage.

I'm trying to change my phone number. They want to send a text to my old number to verify my identity. That's not possible, so I called them. I got an overseas call center. She wanted my old number, new number and another phone number. I don't have another number, so she wants to send me a link to a site where I would give identifying information and take a video of myself. International texting rates would apply. Why would I do that? I searched online and found that the number I had called was a phishing number and my video could be sold on a phishing market. So I looked up the real customer service number and called them. I ended up with the same call center and a girl who stumbled over her script and kept pausing to be coached by another person. She also wanted me to send a video of myself, with International texting charges. I hung up again. Do i need to change my phone number? Maybe not.

This card is the WORST! I simply tried to update the phone number on my card and it wants to send a verification to the old number..no other option. I don’t have that number anymore. 🤦‍♀️ . They give you no other option ( like email, account password, etc). I had to log on with user name, password, verification code to email and can provide birthdate and ssn, but that is not enough. They want you to send a picture of your photo ID and a video of your face. This is NOT NECESSARY! And absolute BS! If you won’t do that, they will send a code to your mailing address. Like this provides better protection than all of my identifying information. If Sam’s Club had any other option, I would dump this card. And I might anyway. I’m not providing a photo of my ID and a video to a foreign call center. Why? Because then I will most definitely be hacked! Avoid Syncronicity anytime you can!

After having my Amazon Synchrony card for 1 year and paying the card off, the system reviewed my account & reduced my credit line by 400% due to a high number of revolving accounts in July. Then denied my credit increase due to "not enough time" at my current limit. I called to explain my home & car installment loans were now paid off. So I was actually LESS of a credit risk & had paid my card off in July. Denied. Escalated to a supervisor. Denied. Closed my account. Will use & pay off credit with another financial institution with common sense.

horrible bank to deal with
excess fees undisclosed at application.
If you call to complain they hang up on you.
I've had 2 horrible instances with them.
Do yourself a favor and go elsewhere

They closed all five of my accounts saying I was high risk of not paying back. I paid on time every month and more than what was due. I had just paid off one account with them. They are the worst people to do business with. They were always locking my account for fraudulent activity, even though there wasn't. PLEASE AVOID SYNCHRONY AT ALL COSTS!

I paid my card on time for 4 years never once missed a payment finally paid the balance and they shut it off 2 days later I'm writing to share a very disappointing experience with Synchrony Bank. I've never once missed a payment and have worked extremely hard to pay down my balances, even through serious hardships. Over the past two years, I've lost my fiancé, my grandmother, and my niece. All while dealing with a documented identity theft case that's already under police investigation. Instead of being treated with basic respect, I was met with a rude representative who brushed me off as nothing but a risk factor. No explanation, no help, no empathy. Just labels. For a bank that profits off customers, the complete lack of compassion and professionalism was shocking. I expected fair treatment and clear communication, and I got neither

I was approved for a Guitar Center card, paid it off in 3 months. Was pre-approved for a DSG (it wont let me say Dicx) card but denied. I have a 740 credit score and now have a denial and a hard inquiry on my credit. I asked to speak to someone regarding the decision and was denied. Never again will I use this company.

If you want to get screwed with high interest and your credit line jump like kangaroo up and down then synchrony bank in best choice for you.

Horrible bank and card. They say you have to go into the store in person to pay your balance with a debit card, but you have to pay with a checking account online. I had an online subscription bill my bank checking account $500 unauthorized and caused a return payment for Synchrony. They said I had 2 return items in 12 months and I explained I just got a refund for $500 and that was why their item was returned and that it was verifiable. I also told them if I didn’t have to drive 40 minute round trip to JC Penny to pay with my bank debt card I wouldn’t have had any issues. What kind of bank of bank makes you drive to the mall to make a payment using a debit card.