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Business Profile

Credit Cards and Plans

Synchrony

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Cards and Plans.

Reviews

This profile includes reviews for Synchrony's headquarters and its corporate-owned locations. To view all corporate locations, see

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Synchrony has 105 locations, listed below.

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    Customer Review Ratings

    1.05/5 stars

    Average of 2,692 Customer Reviews

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    Review Details

    • Review fromLaura P

      Date: 08/04/2025

      1 star
      Worst bank ever. They do not value their customers at all. No loyalty. Run…fast from these people. You can have a perfect payment history with them and they ruin your credit. Do not trust them.
    • Review fromMatt P

      Date: 08/03/2025

      1 star
      I had bills from a pet passing away. I put them on my carecredit and enrolled in autopay. My autopay failed and I made a payment from a checking account. The balance still appeared on my account, so I entered my info again, thinking it was not taken. I was billed twice. I called carecredit and they said they would issue a check, give it 7-15 days. Check showed up and I deposited it. Check bounced. Carecredit said, all good, wait the 15 days. Meanwhile, life goes on, bills come,…

      Will not be using them again
    • Review fromJose S

      Date: 08/01/2025

      1 star
      Extremely disappointed with this company. They charge outrageous fees and then label it a “late payment” even though I’ve been overpaying on my furniture every single month. This is shady and dishonest business. I will never do business with Rooms To Go or the bank they partner with ever again.

      Feels like a scam. Be careful.
    • Review fromRich W

      Date: 08/01/2025

      1 star
      Customer service is probably the worst I’ve encountered in a long time. Claim to send out letters, drop my calls. This is on par with pay day loan business
    • Review fromJennifer C

      Date: 08/01/2025

      1 star
      My experience with this credit card company has been nothing short of frustrating and disappointing. I’ve been stuck with them now twice through opening a Love Sac card and Lowes card. I have incurred unexpected fees to my account, even after the cards were paid in full and the accounts were closed. No one in customer services seems able (or willing) to explain.

      When I’ve reached out for help via phone and chat the customer service has been unprofessional and rude on multiple occasions. Representatives have been dismissive, unhelpful, and in some cases sarcastic, making an already disappointing situation even worse.

      As a financial institution should operate with transparency and treat customers with respect. This company fails on both counts. I strongly recommend asking businesses who they are aligned with on credit cards and, if it is Synchrony, decline the opportunity to sign up for a credit card.
    • Review fromJames B

      Date: 07/31/2025

      1 star
      Synchrony Bank is a joke. They help you get a card when you have bad credit. Once you get better cards on your credit and your score goes up, they will close every account you have without notice, even after paying 400% more than the minimum. I rode out there no interest if paid in full for years and never once missed a payment, credit score shot to the roof and they didn't like it. They say they reevaluate your risk factors every year. They just don't like you being responsible with your credit lines and just close EVERY one of your accounts. I had four accounts in great standing just closed. Piss poor company. Would not recommend. Go to Chase, Citi Bank or Bank of America.
    • Review fromDavid L

      Date: 07/31/2025

      1 star
      This bank reduced my credit limit without warning. I have always paid on time and even paid more than the minimum. The credit reduction caused my credit score to drop. I called customer service and the rep was struggling to read through the letter because it worded is such a way to extra confusing. Synchrony Bank is nothing but trash and they need to be investigated for these tactics that are obviously designed to benefit them. I will not be utilizing any of my cards that are issues from this bank. I will also tell everyone I know how trashy they are.
    • Review fromMarinda B

      Date: 07/30/2025

      1 star
      Falsely charge you a late fee instead of posting your full payment check. Then charge interest on the late fee they added.
    • Review fromJennifer

      Date: 07/30/2025

      1 star
      Paylater monthly plan has the worst(two) payment options
      I get paid every two weeks and would like to setup payments to process every two week.. Their system will not allow me to schedule future payments, the only options are same day and autopay for the full amount. Unfortunately, Synchrony was only financing option I had when purchasing my new AC unit. Synchrony just changed over to the "Paylater" platform and now I'm stuck. I plan to cut all ties with Synchrony ASAP.
    • Review fromRobert C

      Date: 07/30/2025

      1 star
      Absolutely horrible company if you want to get screwed everyday this is the company for you. If I could review this with negative stars I would and I’m sure everyone else that has an account with them would agree.

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