Synchronybank Avis 

I am working diligently to better my financial outlook. Synchrony Bank has now damaged my efforts by decreasing my credit limit even though I have been a good customer, made my payments, then paid a huge amount toward my balance. So my efforts to better my financial outlook was stomped on because Synchrony decreased my limit. If they would have waited a month, my scores would have looked different, but they didn’t. It is such a defeating feeling. They just suck as a bank.

Synchrony bank is PayPal’s choice for CC and it’s terrible ! The worst CC and customer service support there is bottom of the barrel. Annoying that you also have to ask permission to use their card when you travel a lot they will flag you very inconvenient they have their security turned way too high impossible to use for practical buys this card is bad.

This company has the worst customer service of any financial institution I have dealt with in five decades. I deal with them by no choice of my own with my PayPal business account and as the revolving credit bank for Lowe's as a Pro Sales Specialist. They show little to no regard for their customers. Routinely have inordinate hold times and use foreign representatives with heavy accents that are difficult to understand. They are rude at times and deny credit without sufficient explanations being given to their customers. I wish I never had to deal with them again. Would love to see the U.S. suspend their charter. Horrible company.

A few months ago, I would’ve highly recommended synchrony bank. I started off with a Lowe’s credit card with a couple thousand dollar credit limit. I was so good about charging and paying my card early and making double and triple payments never minimum payments they quickly raise my credit limit substantially. I was thrilled I went on and opened six other credit cards through synchrony Bank. CareCredit, Ashley furniture rooms to go and others. I always made my payments on time and never just the minimum payments. I actually made most of my payments weeks early. I never once maxed out my credit cards not even close. I have other credit cards not through synchrony. Never had a late payment on that. I have a mortgage payment and two car payments. Never had a late payment on that. My credit score was 716. Not bad. Unfortunately, we had a death in the family and this person did not have life insurance. I applied for a $10,000 loan and was quickly approved because my credit was so good. A few days later I log into my synchrony account to pay my credit cards and find out that every single one of my credit cards had been closed. I tried to talk through the live chat. They couldn’t give me any answers to explain why. I finally called customer service. They were extremely rude. Read off paragraph blah, blah blah, stating that they could close our credit at any time if they deemed us to be high risk The only thing that had changed was I applied for that 10,000 loan they wouldn’t confirm that that’s what happened. to this day I never got a straight answer on why they did it. They told me that I could reapply at a later time. I will continue to pay off my balances. so my credit stays in good standing. However, I am devastated that this happened to me and that nobody can give me a clear answer on why. I had recommended synchrony Bank to all of my grown children. Now that they have found out what happened to me they are going to pay off their credit card through synchrony bank, and close their accounts. This is not a way to treat a loyal customer, especially with no fair coherent reason as to why. If my credit cards were maxed out, and I was making minimum payments only and paying late I could halfway understand. However, it was a total opposite. I paid my payments early made double or triple of my minimum payments and never even got close to maxing out my credit cards. Very disappointing.

My experience with Synchrony Bank has been extremely disappointing. My concern is not the debt itself it is the lack of transparency and the inconsistent information I received throughout the settlement process.

I entered into what Synchrony later described as a verbal settlement agreement. However, despite numerous requests, Synchrony has never provided me with a copy of the recorded conversation, a written settlement agreement, my settlement terms, or any documentation explaining exactly what I agreed to. Instead of providing the records I requested, Synchrony mailed historical billing statements and an undated cover letter that had nothing to do with my request.

The most concerning part of my experience is that Synchrony's own communications contradict one another. In a letter sent directly to me, Synchrony confirmed that my account had been "settled in full." However, in that very same letter, Synchrony states that it instructed the credit bureaus to report my account as "Paid in Full for Less Than the Full Balance." In other words, what Synchrony confirmed to me in writing is not the same as what it chose to report to the credit bureaus. One communication tells me my account is settled in full, while the other results in a negative credit reporting status that has directly affected my credit profile and mortgage qualification.

After receiving an unexpected IRS Form 1099-C, I learned from my tax professional that the settlement carried tax and credit reporting consequences that I did not understand when I entered into the agreement. Had those consequences been clearly explained and had Synchrony provided the settlement agreement and terms that I repeatedly requested I would have either paid the remaining balance in full or negotiated a different settlement agreement.

To make matters even more confusing, Synchrony's automated system continues to state that approximately an amount is due, while representatives continue to tell me the account is settled and refuse to accept payment.

My experience has been one of inconsistent communication, incomplete documentation, and a lack of transparency. As a direct result, I no longer have confidence in Synchrony Bank's business practices. I will no longer do business with Synchrony Bank, and I have also chosen to stop shopping with Amazon because of its affiliation with Synchrony. Consumers deserve honest communication, complete documentation, and the opportunity to fully understand the terms and long-term consequences of any agreement before making important financial decisions.

Wow! A 1-Star Bank before we even got to Trustpilot! When Lowes offered us a credit line, we accepted because we've done extensive remodeling to our home during the last 4-7 years. When CareCredit offered us a line, we gratefully accepted it for dental work and pet care. But when Amazon offered us a card because the volume we pushed through their site, we were ready for another level.

We had no idea that level would be a 1-Star Bank backing these companies, because we had no idea who Synchrony was. The result?

Lowes card had zero balance, and arbitrarily closed after pushing between $5G-$15G through it over a half decade.

CareCredit had zero balance, and arbitrarily closed after years of pet care and dental work.

Amazon card paid in full each month except the 0% financed products that were paid on-time each month. Synchrony HOLDING funds already pulled from paying bank, and not properly crediting the Amazon account for as many as 10-14 days! So when an erroneous $2G payment was sent, we stopped it and tried sending the actual payment amount. The system refused it and only accepted around $50! Then Synchrony recorded our payment late? Next thing we knew, the Amazon account was closed siting, "too many 'customer' rejected payments!"

What a JOKE!

Customer Service Representatives make false statements that end costing customers LOTS of fee and charges. DO NOT USE!! STAY CLEAR!! DO NOT RECOMMEND!! Unethical practices that screw the customers.

Their collections team held me hostage on the phone and refused to transfer me to technical support until I paid my bill. My goal was simply to verify the charges before paying. They will remove access to mobile apps (removing a payment option) to customers who's accounts are delinquent. My goal is simply to review my account and resolve the balance responsibly. However, the current process appears to create barriers rather than support consumers who are attempting to make payment. These practices raise concerns that current processes may create unnecessary barriers that could be viewed as unfair or deceptive if they prevent customers from accessing account information and resolving balances responsibly.

For the last 5..6 or so years I have been unable to obtain any loans that use this company & at this point, considering to get a lawyer to go after this bank. I have never used them a day in my life, however you have to use them for most financing such as for vehicle tires and daily needs. You would think after this long & making good money ( over 3k a month) a approval would not be hard, guess I was 100% wrong.

I have 3 credit cards serviced by Synchrony Bank, Verizon Visa, Lowe's credit card, Pep Boys Visa.
Today I spoke with an agent that was border line rude, spoke when I tried to talk, and when I asked to speak with a supervisor, hang up the phone.

I've had a credit card with synchrony bank for a year now, always paid more than the minimum, no late payments and they deactivated my card for literally no reason and tanked my total credit line and thus my credit. Tried to call them to dispute and their phones are down. Actually very upset with this experience.

Jesus Christ, the most horrendous customer service

We were trying to set up an online user account to manage payments, and the customer service was not good. First, they were unable to find our account using our phone number, which was changed a couple of years ago, but Synchrony never updated it in our account. We tried to update our phone number to access our account. After two representatives, we still haven't made progress. We couldn't understand half of what they were saying, and they never texted the links they promised. And when we finally received one, they wanted us to go through a whole identity screening, including taking selfies and the like—all of this to pay our bill online. We finally gave up. We will call to pay off this account and close it. No one needs this much trouble!

I verified my identity with this bank 3 times while traveling to a different state. They refused to unlock my account yet when I became upset, they were able to close it. Interesting. Can’t verify me to unlock the account but you can close it? Poor customer service.

Synchrony Bank has the worst service. Wish I could give a negative review. Their customer service just repeats what the automated teller says. They are the absolute worst bank I have ever worked with. I wish the companies that use this bank would switch.

More like zero stars. I was introduced to Synchrony last year because of Sleep Number. I was approved nearly 6K when the account was opened. Spent less than half. I’ve been paying on the account, with one payment a few days late. I received notification that my amount was reduced. That immediately impacted my credit score. I called, they claimed they sent a notice informing me of this…they hadn’t. At any rate, 2 weeks later, I get notification that they are closing my account. Stating one of the reasons as “too many revolving credits”. I have not opened any accounts since theirs, back when they approved me. I had the same accounts back then when I was approved by them! With the exception of them as an addition! I do not understand. But after reading all of these reviews, it seems to be what they do. Approve accounts and randomly lower the credit amount and/or randomly close it. That’s horrible business, especially when payments are being made.

Absolute scam and fraud using fine print and deceitful language in their promotions. Then their customer service was rude when challenged. Won’t ever use them again. Stay away.

This is my second complaint on Synchrony Bank, every time I talk to them they change there story. The are holding a large some of my money and won’t give it back. They keep coming up with different issues. At first they told me they could only mail a check to me. I told them after many arguments I finally said ok send me the check. A week later they hadn’t sent the check. Then I was told they would FedX a check to me. Which I was originally told that couldn’t happen. Today I get a form in the mail to fill out. They want me to send a copy of my bank statement showing the check has cleared. It’s been well over a week since the electronic transfer cleared my bank. They put a block on the account which they already closed. They actually closed all my accounts. They were all in good standing and most paid off. They are a JOKE. they don’t care about people.

I'm giving them 1 star because I can't give less than that. I signed up for a card 6 weeks ago and was approved. Supposedly, a week later, they sent the card out. I was never notified to expect the card I was able to make a charge to it on my Sam's Club account. The card never arrived. I only discovered the shipping date when I went online and scoured my account for info about the missing card. There was no guidance available online options, so I selected "card not received". When i tried to access the chat feature you find out when the new card would ship, it no longer worked. No where in the app or online is a customer service number; I had to Google search to find one. The agent accused me of handling the issue incorrectly, and then blocked my ability to use the card with my Sam's Club membership ID. Do NOT get and expect to use this card. I am only passing to keep it to increase my available credit. There is only one company with worse service in this industry, and that's USAA.

I am giving one star only because zero is not an option.

I always paid my account responsibly and have now paid my balance in full. Unfortunately, my experience with Synchrony Bank was extremely disappointing.

After I received my Social Security Number, I contacted Synchrony to update my account information. What should have been a routine administrative update became an unnecessarily frustrating and time-consuming experience. I received conflicting information, encountered unnecessary complications, and even had to file formal complaints because the issue was not handled properly.

I also found it unnecessarily difficult to understand some of the charges and account information on my statements. Clear and transparent billing is essential for any financial institution, and my experience fell short of that expectation.

My review is not based on the credit card itself, but on the quality of customer service, communication, and account management. I hope Synchrony improves its customer support and makes account updates and billing information much clearer for its customers.

During the process, I was asked to upload my personal identification documents electronically multiple times. I also sent documents by fax and completed electronic signature requests as instructed. Despite providing everything that was requested, I was never informed what happened to my documents or why I had to keep resubmitting them. During the complaint process, I was informed that these documents could not be located, and to this day I still have no explanation of how they were handled or why the issue with my account was never properly resolved. The lack of transparency regarding sensitive personal information was deeply concerning.