Synchronybank Avis 

Horrible bank. I paid my card balance in full each month and because they posted it late, I get charge interest fee. They wouldn't delete it and insisted that because I paid late. I wanted to close this account and when I confirm with the customer service for my last total balance, she rounded up the amount! What kind of company is this, rounding up the amount. What a scam!

I made an online $500 payment that they said was returned by my back because the account information was wrong. I made a second payment 30 days later and it processed. I made NO changes to my account information between those dates. When I questioned Sychrony about the issues they responded with a long response that had nothing to do with my question. As I continued to question the charges I continued to get very similar responses, which never answered my the question.
Moral of this story is NEVER get involved with this outfit, you will be sorry.

I've held several accounts at Synchrony Bank for almost ten years and I've always had wonderful interactions with them. Customer support is wonderful and easy to work with, the website is eaay to use, I couldn't be happier with Synchrony.

Long hold times, representatives that do not always speak and understand the English language. Poor customer service. I've been told to try online and that was not helpful and I call back and get disconnected. All this was over an address change. I have several synchrony bank credit cards and some how they missed the address on one account and locked it. Now they want me to go online and submit a video and pictures.of my driver's license. It was their mistake, not mine. Now I'm waiting for a letter in the mail 7-10 days and need to call them back. Worst customer service ever.

The absolute worst bank in terms of technology and thats saying something up the side of the other big banks who are also aweful. Constant recurring issues with their app and website, overseas call centers who cant understand the issue or even want to help. When you do speak to someone in the IT team you are literally gaslight into the issue being your fault even though you can clearly show there are issues in the technology. I dont choose to bank with this company I am forced too by store cards I own, but i will cancel those and provide this as the reason. Aweful bank, aweful technology, aweful customer service.

Absolutely the worst Credit Card company - DO NOT ACCEPT ONE!

Venmo issued me a CC, THROUGH Synchrony. I paid it every month. No balance. Then, one day it was declined, for Fraud, they said. There is absolutely no way to get your card back after they do that. NONE! Four months now. TWICE I proved my identity with their own link to scan my face, both sides of my license. Nothing. Still can't use it, and won't send a new one. I spoke to them no less than Four times on the phone. Email is useless as well. Not one person in that company is competent. Stay away, and never even considered using this company for anything. I'm not even going to use their regular app to pay friend, anymore. I'll use PayPal from now on.

Synchrony does not care about their customers at all. They charged me a fee for my autopay not going thru when I specifically took the time to call & make my payment on time via phone with a different card that would work. After being on the phone for over an hour to reverse the fee & go ahead and pay off my card, they concluded they could not reverse the fee when I was literally one payment from completion. They suck. I’ll never be doing business with them again!

My account was over paid by $4395.56 and I requested a refund on 8-11-26. I call today 8-21-26 and Synchrony Bank had not issued my refund. The Rep put a request for the refund check 8-21-26 and now tell me again I have to wait 2-3 weeks after I waited 10 days. Also, customer service kept placing me on customer service que instead of resolving the problem. TERRIBLE CUSTOMER SERVICE AND IF YOU DONT CALL THEY WONT GIVE YOU YOUR MONEY BACK. ADVISE CALL THEM EVERYDAY TO MAKE SURE THEY ARE DOING WHAT THEY SAY!!! RATED NEGATIVE!!

The WORST CUSTOMER SERVICE BANK I HAVE EVER DEALT WITH. On hold FOREVER while a computerized voice kept saying every 10 seconds that “Your call is very important to us. A customer service representative will be with you shortly” That may be true if they think an hour+ is “Shortly”. The worst bank ever to deal with. I did not choose them. They took over a loan I had. THE WORST. I would give them less than 1 star if I could.

I'm seriously considering clothing my account with synchrony the challenge is that they represent quite a few companies that I do business with like Amazon Lowe's etc. So when I close my account I think I will write letters to all the companies I know of about why I don't like doing business with synchrony and they shouldn't do business with synchrony either especially a company like Amazon and Lowe's

If I could give a 0 I would. You can pay off the balance in full on a Saturday which is the 2nd of the month and the balance say $0 and they still say you have residual even if you pay before you payment cycle and closed the account. Cycle was July 17 to August 17th.

Don't go near these guys if you can help it. You will regret it. 'Nuff said. It's like they are running a 19th century penury prison.

Someone contacted Synchrony Bank using my name saying they had lost the Lowes card and moved to Florida and asked for a new card. The bank mailed one to the Florida address and then sent a letter to my address in SC asking me to confirm the move. I called the day I received the letter telling them I had not moved. Too late. The person in Florida took the new card to two Lowes stores on Florida and went shopping . I had been paying the monthly bill on line for a long time. The day I called them about not moving I asked them to close the account. The next month I received a paper copy of the bill at my SC address showing the two Florida purchases. I immediately called and told them about the fraud. They told me to disregard the bill. I did. The next month they added an interest charge for non payment. This went on for nearly a year. It affected my ability to secure an auto loan because it showed on the credit reports. The most disturbing financial fraud case I have experienced and it was caused by Synchrony Bank. Doing fine without a Lowes card. This began in March 2019 and I finally gave up on 11/15/22. Not forgotten.

Can’t think of a worse company to deal with. I’m canceling my Lowe’s Pro account today. It’s not worth dealing with their billing department, which is handled by a third party Synchrony Bank.

Synchrony Bank is biased, prejudice and probably racist! They purposely deceive, lie and probably steel.
I applied twice for two separate and different cards months apart. I took a hard credit score Hit at the application phase, the cards were granted. Then they were closed within days again causing another Hit on my credit score! What T-- F--K!!

This bank is deceptive or maybe just the representative that came to do the windows for my house was. Activation fee? Where was that mentioned? I'm just going to pay these bastards off and not use them again.

This is the most horrible , unjust bank going , they get all of my payments, then close my account without any letters or anything...customer service is horrible, I really wish I could start a class action suit against them...I am sure there are thousands more...they think because you are minority, you can't pay your bills, guess what some of the maga employees/management at Synchrony can't pay thier bills

This credit card company is such a joke. They do not care about the consumer with 2k 1 star reviews should show that they do not care. Even if a merchant does something unethical they will side with the merchant. DO NOT get a CC with them, they will only protect the merchant not the consumer. They claim they help and protect you from fraud, but only protect the merchant.

I AM A 75 YEAR OLD DISABLED VETERAN WHO LIVES ONLY ON SOCIAL SECURITY AND A SMALL CARE GIVER ALLOWANCE
I would rather die than use care credit again
The only reason I used them my wife needed emergency dental care. I had a promotion that would save me over$500.
It expired a week before I got the money to pay over $8.000 balance on my account and they wouldn't helEEp with that.
There interest is very high ,there customer service is out of the country.
DO NOT USE THEM. READ THE FINE PRINT
THEY TAKE ADVANTAGE OF PEOPLE THAT REALLY NEED HELP
I

I had a horrible experience with their CareCredit application process. My Dentist office gave me their flyer of credit options. I spent 4 days trying to understand what went wrong after I was qualified for a loan. I was filling out the application, and I pulled the credit agreement disclosure to print and read before I signed the application, and I was not able to go back and signed. I was logged out. Then, I tried to complete another application and this time I was disqualified, and no reason given and stated a letter will be sent to me in 7-10 business days. I spent 4 days trying to get someone on the phone. When I did get a hold of a person, they were clueless. Finally, I got in a chat box with an Angela Piper and routed me to call the 866-396-8254. I called the service desk, again clueless and was unable to locate my application with the reference # I was provided online. I asked to speak with a manager. They were able to connect me with a supervisor, who was clear that she did not want to talk to me because and state "I am just a supervisor, and I have to wait the 7-10 business days to find out why I was rejected after I was qualified." She was very rude and did not care. Mind I have a credit score of 820, and I did not know I would encounter this type of service with Synchrony Bank. Never will do business with them. Very rude, lack of information, judgmental, and stressful to deal with. They waisted my time and never received an apology.