Synchronybank Avis 

Say goodbye to your credit score.
I’ve paid everything off and then they ran it as a missed payment twice which tanked my credit. It’s a shady business. they don’t solve anything either. I even paid higher than the minimum payment and they closed my account. So. No. I Highly don’t recommend.

The Synchrony company that handles Lowes credit cards are loan sharks it appears. They handle the credit cards for Kohls too and closed our credit card with Kohls too. We always pay our credit cards off on time. We have never had a similar issue with other credit cards. We mail our payments a week and 1/2 ahead of time and they almost always say it was late and charge a ridiculous amount fees and interest that is sometimes more than the actual amount we charged that they say arrived 2 days late along with paper fees they added a few years back. After cancelling the credit card with Lowes, Adam at the Synchrony who was rude did not hang up so it wouldn't go to the survey option. After I didn't hang up for about 5 minutes, he transferred me back to the queue at Synchrony. I then called Lowes customer service to report the issue and file a complaint, and the lady put me on hold several times for about 10 minutes and then said she was going to transfer me to the credit center to file the complaint. I said, "you are not transferring me to Synchrony". She said no, but sure enough, that is where she transferred me to. I have been a Lowes for decades and spent 10s of thousands of dollars there. I will likely be going to Home Depot mostly going forward and certainly not using Synchrony for any credit needs.

Predatory and overly aggressive. No, they won't work with you for any reason. Yes they will do their best to ruin you. I speak from multiple unfortunate experiences with them.

This is the worst bank I have ever experienced regarding customer service. They need to gut that team. The 'contact agent' and 'chat' does nothing but put one on a virtual assistant that was apparently designed in the early 90's. No help what so ever with the most basic requests. Very frustrating. I have complained about this for several years with no improvements.

I attempted to go paperless, but the process was the worst I have ever attempted to usr. I am paperless with 8 other accounts but it was impossible to navigate. I have never had to submit photos of my credit card and based . I attempted this process 5 times but just as I was nearing the end, I was kicked out and all info was lost . I would not recommend tour company to anyone. I will pay the processing fees just to end my association with you.

Synchrony Bank has been one of the most frustrating and disappointing financial institutions I have dealt with. They reduced my credit limit without properly notifying me, and this is not the first time they have done this. They have repeatedly reduced limits on other cards as well, which directly impacts credit utilization and can negatively affect a customer’s credit profile.

What makes it worse is the lack of transparency and accountability. Customers should not have to randomly discover that their available credit has been reduced. A bank should clearly communicate decisions that affect someone’s credit, especially when those decisions can have financial consequences.

At this point, I refuse to sit quietly and allow Synchrony Bank to keep making decisions that affect my credit without proper notice or a clear explanation. Their practices feel unfair, careless, and completely disrespectful to customers who rely on accurate account information and responsible communication.

Based on my experience, I would not recommend Synchrony Bank. If they are willing to reduce credit limits without proper communication, customers should think twice before trusting them with their credit accounts.

This is by far the worst consumer credit company I have ever dealt with. I opened a LOWE's account (Lowe's Synchrony cost you a customers) and was give an $9000 line of credit.

My first purchase of $274 was processed, then an hour later I received a notice saying there was a problem with the payment - come to find out the declined $2.52 of the charge - why - well nobody at Synchrony could answer that questions.

They told me to cancel the order and redo the order.

Card Declined - called them back was told to do an ID verification - called them back with the passcode. Told to redo the order.

Card Declined - called back was told that I had to wait for a letter, and then I would have to send them documents - I told them to close my account - she argued with me for 15 more minutes- I finally told her to stop talking and close the account.

I will NEVER EVER EVER do business with SynchronyBank, nor any vendor that tries to use them for their consumer credit function .

What a piece of crap.

The worst Bank in the history of Banking!!! Shame on them on how they are doing customers period especially when a customer has never been late ever and closing accounts after they are paid off or losing your Credit limits where it makes it look like you are going over your credit when I have not the Bank is doing this and then letting you know after they do it but it is too late because the credit bureau let me know AND I COULD PROBABLY WRITE A BOOK ON THE SHAMEFUL TACTICS SYNCHRONYBANK IS DOING TO CUSTOMERS MAYBE WE SHOULD ALL GET TOGETHER AND SEEK LEGAL ADVICE. PLEASE BEWARE OF THIS CROOKED BANK PERIOD!!!!!!!!

Just about every month I pay my full credit card statement balance; average of $6k. The last two months the bank has held on to my payment before allowing access to the funds for 2-3 weeks. Customer service claims it is because I paid a large amount so fraud is alerted. It is clear, however, the funds are out of my bank and paid. Customer service is rude and blatantly lies to justify the hold. This is at a minimum unethical business practice to hold on to payments for several weeks without access to the funds. And inconvenient to not have access to your own money and punished for paying the full balance.

This place is the absolute worst lending institution. The web site kept blocking me. Then it would freeze when I tried to change passwords. So I finally called, paid off my balance and closed the account. Next thing I know I’m getting another invoice? So I call again. Oh there’s nothing I can do she says. Those are interest charges!!! From what, I paid my balance.
BE WARNED THEY WILL CHARGE YOU FOR THINGS YOU HAVE NOT OCCURRED.

I have been a HSN customer since 2020 pay on time never missed a payment n the bank refused my credit limit from $1300 to $100 dollars yes my credit score had gone because of two cards I had trouble with so I canceled them
but the rest of my credit cards I continue to pay on time.
You would think since I was a good customer paying my card on time should account for something Right?

Awful customer service and customer support bank is a scam

I had "HAD" 3 accounts thru synchrony, in one month they closed 2 accounts I owed 0.00 on, the only acct I owed anything on they cut my limit in half taking my credit limit to 90% use from 45% use, combined synchrony dropped my credit score by 200 points, i will never accept credit from anyone that uses synchrony...if I can ever recover that is

One star is one star too many. Worst financial institution of all time! I have a Venmo credit card through Synchrony and have been going back and forth with them for over a month attempting to report fraudulent charges.

Without getting into details, I'll say it's been the most painful, bureaucratic process of all time. None of their reps are located in the US. They speak perfectly fine English, but it's a cultural issue. They just don't get it. I was transferred to three different departments, repeating my story each time, but all I've gotten is the big ol' runaround.

Here we are weeks later, and the fraudulent charges are still on my account. I've called Synchrony multiple times, but no one knows what's going on or is willing to help. Its been a neverending nightmare I don't see ending anytime soon.

Update 7/12: Still getting the runaround and attempting to get fraudulent charges off my account. It's become a part-time job at this point. I'm exhausted, discouraged, and angry. How is any of this BS legal?

Update 8/13: I had to hire a lawyer so Synchrony would finally address the issue. I closed my account on the spot. No bank is perfect, but this bank is the worst of all time. Don't be fooled by offers. Stay away!

Worst app on the Internet. Seems like the user has to put new credentials in every three months. Can't hold Face ID credentials.

Do not take out this bank, when you have several accounts they close it to you without justification, even if your payments are up to date and excellent credit.

Be careful with this company. They usually send out payment reminders, but one month they didn't send me any reminders causing me to be late. So just be careful with these guys

Big NO. Horrible bank. Online bank but looks like they don't know online means what. Online business only for registration but you will get card number etc in mail, it's big joke. They are providing interest free finance but in USA nothing is free, there is always a catch. They make money still they can't provide proper service. NEVER EVER USE THIS BANK, YOU WILL END UP IN FRUSTRATION.

This bank is the absolute worst in history! They close accounts that are PAID OFF AND ARE IN GOOD STANDING!! NEVER, EVER, DO BUSINESS WITH THIS BANK! If I go into ANY store that uses Synchrony Bank for financing, I will refuse to shop there!!!

The automated machine would not take my account number or social even though I was staring right at it putting it in correctly then it wouldn't transfer me to a real person once I finally got transferred to a real person I was on hold for almost a full hour before someone answered