Synchronybank Opiniões 1723

I have 4 accounts with synchrony bank 2 are now closed by them for credit issues through the reporting agencies and they lowered my credit twice on 1 card for the same reasons. I have made all my payments on time with NO late payments. It hurts your credit when the account is just closed without warning. Its ridiculous they dont try to work with you first. No contact at all!! Never again will I do business with them

Received a myWalgreen card from SYNCHRONY BANK and used it for at least 3 yrs . Some how my card was hacked and was used to purchase over $10,000.00 in WALGREEN cards in one day. Was not noticed of anything that was done . live in MA. and the fraud was done in Georgia ,i found out from CREDIT KARMA of the charges . Called the credit card company and told them what is happening . The SYNCHRONY BANK removed the charges and cancelled the card. The crazy thing is they will not issue another card. so be it ,i have a credit score of 760and don't need them . they don't give notice of someone buying $10,000.00 of give card at one store at one time. REALLY don't use this bank bad news.

Unexpected interest hikes. My interest rate jumped from 31% to 39%. I was told originally my rate was increased because of late payments but after paying on time for months it was still increased. Also turned my card off for making a partial payment which I didn't even know until my dog was at the emergency vet. They do very shady business

I wish I could leave zero stars. I opened a credit account to take advantage of a promotion to get my kids a piano. I tried to make a payment only to have it returned three days later. After being on hold for a half hour I talked to someone who barely spoke English. They didn’t know why the company had called me and they didn’t know why my payment was returned. They told me to contact my bank. My bank said my account was active and in good standing. There were no attempted transactions. Beware of this company. Your payment may not go thru and you may be charged interest. If they continue this, I will contact BBB.

Someone one intercept my card in the mail and made over $4000 dollars in back to back purchases and not one alert in December 2025 .Was aware when I received the bill. Still trying to get this resolve. No security alert

If I could give 0 stars I would. A dispute was opened on my account that I did not open, and when I reached out to them they refused to listen to a word I said and continued to cut me off and raise their voice with me like I was their red headed step child. I spoke to a manager who wanted to do no work, and refused to listen to a word I said. This is the worst banking customer support I have ever spoken to.

Rude customer service agents
Bad business practices.Overall just a bad company.
Stay away

I would leave a zero but I can’t, this company is a scam and they’re con artists. Never bank with this company, they will steal from you!!!

Synchrony Bank scammed me. I paid every bill on time despite not having access to an online account nor receiving paper statements. They gave me no visibility into my loan/payments despite numerous attempts. Right before the promo ran out for 0% APR, I contacted Synchrony asking why I was still being charged. They assured me if I continued to pay autopay, I would not accrue interest. This employee lied and I am now fighting to remove $3,000+ of interest and late fees. I will soon be filing a lawsuit. This company operates unethically and has scammed thousands of people.

Never ever apply for this bank or credit card they are thefs they give u credit and if you dont pay withing a year they double your interest even if you owe 200$ they add intrest not the amount you already laid but whole amount you already made payment for. Never ever i will apply for this card in my life stay away from his bank !!

Synchrony Bank is a complete joke. They’re always trying to charge me extra fees and when I ask what the fees are for, they just start making things up. Somebody needs to file a class action lawsuit against these scammers.

I wrote this review on Care Credit's review page, but I am posting it here because everyone deserves to know to stay away from these companies. I used to have an account with these people, I used it for vet bills as well as dental expenses. I had this account for a while and was very up to date on payments. I never missed a payment. Suddenly, two years ago, I found out I no longer have access to credit. I spoke to someone to try and figure this out, I tell them I've never missed a payment and they told me that because I turned auto pay off, they took my credit away. This is absolutely BS. What does auto pay have to do with keeping a line of credit? Anyway, I continue to make payments, with auto pay on to not cause any issues. Suddenly the payments stop. I went to my account to sign in and naturally I forgot my password. I click "forgot password" and it takes me to a different screen, where I'm prompted to put in my account number, now I don't have this memorized, so I go to the chat bot and try to speak my concerns there. The chat bot doesn't work and no matter how many sentences I put in. The same message pops up "oops looks like my wires got crossed. What to try that again?" This company is very disappointing. As well as their partner Synchrony who is just as disappointing. If you wish to open a line of credit, save yourself the grief and go to literally anyone else.

Worst experience ever in my life! I get scammed . Even though paid everything, still charged me interest for over 9 days .

I thought this was the 1 company I could count on for credit especially in this current difficult season in my life. I had several accounts with you. None of my are or were delinquent; however, I went to use my Lowe's account which had a zero balance, only to find my account was closed! Every time I've used the Lowe's account card, it was bad off in 30 days or before.

There's no loyalty to customers who pay on time with every account I have open with this creditor. The economy is tough at the moment.

I called to ask them to reopen my account, which I had paid off and they all said no. Credit is not based upon credit payment history. Well, it should be!!!

Absolutely pathetic. This co.pany reduced your credit fast if you dont pay it quickly compared to others. They truly dont care that they effect the credit ratio of many when they reduce your credit and you can go from a 30% credit ratio to a 90 credit ratio and boom the credit bureaus lower your credit score when you truly were doing a great job. Especially when holiday have just ended spring break. I have a credit limt for over 2yrs 1300 then I used almost 1000 and paid it off in 2 months which is actually great but then I went to store and was denied only to find out later o ce they got my money they reduced to only 10 available and now my credit score went down due to synchrony

Terrible customer service from condescending reps, a puzzle piece of options to get from under predatory terms. Rapacious greed appears to be their standard business model. I will tell every person I encounter for as long as I live to never, ever deal with this place!

I have been an excellent cardholder with a 100 percent perfect payment record with Synchrony bank for many years. I managed my credit cards carefully and ensured that all my accounts were in good standing. And for my excellent history of proper and diligent stewardship of my accounts, Synchrony Bank arbitrarily closed all seven of my accounts through use of a vague and nebulous algorism system that claimed I was a high risk for payment failure. While I have issued complaints with the CFPB and BBB about this wrongful action, Synchrony Bank has refused to reinstate my accounts even in the face of overwhelming evidence that I was not a risk of payment failure before, during, and after the adverse action was taken against me. Synchrony Bank states that its policy is to not reopen closed accounts under any circumstances and even when they have been faced with evidence that shows actions to close my accounts were wrong and at odds with my excellent history as a loyal and judicious cardholder. My experience with Synchrony bank has not been good and I have rated the Bank with one star which they richly deserve. Synchrony bank treated me with disregard and indifference and until they show that they are an accountholder friendly and transparent Bank, they will continue to get unfavorable reviews and a loss of accountholders.

This system is worthless, Their customer service is horrible! Try doing a chat and you get a bot, when you finally get a person they are useless.

Worst bank in the world don't get a credit cards from them they like destroying peoples credit! !!! I had 6 different cards long time history always paid on time & paid off and they suddenly decreased my credit limits to all balances owed and decreased my credit limits by approximately 40,000 on cards such as Lowes , Venmo, JC Penney , Amazon , Care credit. This bank should not be allowed to be in business!!!!!

Terrible experience with Synchrony/PayPal Credit. I was told to submit my Social Security documents and driver’s license so they could update my account information. Instead of updating it, they closed my long-standing account with a credit line of over $9,000.

The letter they sent gave no real explanation, only a vague statement that they could not validate my SSN with the Social Security Administration. That is not a proper explanation, especially after I provided the documents they specifically asked for. If there was an issue, they should have clearly explained it and allowed me to correct it instead of immediately closing the account.

Very unfair treatment for a customer who had the account for years. No transparency, no accountability, and no solution other than telling me to apply again. Completely unacceptable.