SynchronyReviews of synchrony.com

We had a business Sam's Club card with this bank. We closed the business 2 years ago. Closed all bank accounts and credit cards. Synchrony Bank did not cancel and allowed companies to collect subscriptions on canceled subscription's. Again we called to cancel the card and pay off the fees and their late fees and cancel the card. OK 2 years later and its still going on Sam's still hitting the card for membership and Synchrony still playing this game THEY DO NOT CANCEL THIS CARD AND CONTINUE WITH THEIR LATE FEES WHAT A CROOKED NASTY COMPANY I GUESS I AM GOING TO HAVE TO GET OUR STATE ATTORNEY GENERAL INVOLVED AS THIS HAS TO BE FRAUD

Trash company with predatory practices.

I have had 3 accounts or more with Synchrony for a bit and they were kept paid on time if not ahead. Twice now out of nowhere with the account paid in full the account has been closed. Not much financially has changed for me so I do NOT understand why they were closed. I would not recommend them to anyone. Overall been a hassle to get dealt with to manage.

Worst bank have ever had in my life I had a polaris sxs financed threw them they ended up charging me way.... to much in interest on payment I made called them so they could get it straightened out they said nope everything is correct on are end. Wrong so they started stealing my money so I paid loan off but they supposedly lost the check 3 months ago still have loan threw them even though the $21,000 check shows cashed can't get rid of loan now and out $42,000 THESE PPL ARE SCAMMERS

I use my Sams Club card frequently and as a default payment method. I pay it off completely every month. But also every month I have to go without using it, and thus receiving no Sam's rewards for the 7 to 14 day time period it takes them to reflect my payment in my available credit. Their horrible bookkeeping has cost me hundreds in rewards dollars (you are supposed to get $3 back for every $100 spent at Sam's Club- and I spend a LOT there!).

In 4/2024 I financed a purchase with Synchrony Bank, 4 years no interest with regular monthly payments. I set up paperless statements. In 12/2025 I got a paper statement which I discarded since I was paying with automatic bill pay through my bank. I just got another statement and noticed they were charging me $2 per paper statement (which I didn’t ask for). They also started charging me $1 interest on that $2 statement. I called and they said they didn’t have an email for my account (which is a lie) so after 16 months they started sending paper statements. They removed 1 of the statement fees but said they couldn’t remove the interest fees they had been charging. If you use Synchrony Bank for anything beware of unethical (illegal?) sudden changes in your account with unexpected fees.

This has been ongoing for several years. Company persists in rejecting all offers of credit, alleging that my cell phone number is not valid. Considering that I have had the same number for over 15 years, that allegation is completely preposterous. Phone contact with the company's representatives are beyond frustrating and totally unhelpful. Total and absolute Kafka time.

My experience with Synchrony has been a nightmare from start to finish. I ended up with this card completely by accident. I was at Mattress Firm, and the salesperson was extremely vague, failing to explain that I was actually opening a full credit card. Now I am stuck with a card that has a $7,000 limit but absolutely zero value to me. There are no sign-up bonuses, no rewards structures, and no benefits. It is just a useless line of credit that I never intended to open and I have only used once for the Mattress Firm. As bad as the sign-up process was, the technical side is even worse. They recently changed to a "new" login system for absolutely no reason, creating a literal catch-22 that makes it impossible to even manage my account. Here is the situation: The new system demands my full account number to re-register, even though I had been registered. I can not get the account number because every email I have from them has the account number redacted (only showing the last 4 digits). I never received full PDF statements via email, so I can not look there. I am somehow still logged into the mobile app on my phone, but it is completely dysfunctional. It refuses to load my previous statements or account details, just says "No Statements Available". So, to log in to the new website, I need my account number. To get my account number, I need to view a statement. To view a statement, I need to log in (or have a working app). I am completely locked out with no way to retrieve the one piece of information they require to let me back in. Between the misleading in-store practices, the uselessness of the card itself, and a technology ecosystem that traps you in an impossible loop, I would recommend avoiding Synchrony or Synchrony Bank or whatever their name is at all costs. Terrible website, terrible app, terrible business practices.