Synchrony Bank Reviews

I’ve been making my payments on time for months, so I thought everything was fine. Then out of nowhere, they cut my credit limit. Like… okay, but why? All I got was a generic letter that didn’t really explain anything. It just feels frustrating because I’m doing what I’m supposed to do, and the decision still doesn’t make much sense.

I had a frustrating experience with Synchrony Bank’s fraud detection. My card got flagged for a totally normal purchase I was trying to make, but then somehow a couple of charges that actually looked suspicious still went through. Compared to other banks I’ve used, this felt way less reliable.
Trying to get it sorted out over the phone didn’t help much either. I was on hold, bounced around, and had to explain the same thing more than once. It felt like each person was starting from scratch, while with other companies I’ve dealt with, at least someone usually has the notes in front of them.
I understand fraud protection is important, but this felt completely backwards. They blocked me from using my own card, but didn’t stop the charges I was actually worried about. After seeing how messy it was compared with what I’d expect from a bank, I don’t feel comfortable trusting them with my account

I noticed an unauthorized charge on my account and reached out hoping it would be a straightforward fix. Maybe I misunderstood something at first, I don’t know, but it really didn’t feel right. Instead of helping, they basically blamed me and never actually resolved it. I kept expecting someone to take it seriously, but the charge was never fixed, and the whole experience left me feeling dismissed

I signed up for their promo financing thinking it was basically no interest as long as I paid it off in time. But the way everything was worded was confusing, and my regular balance kept getting mixed in with the promo balance. I ended up having to call just to understand what I actually owed and how to avoid getting hit with extra charges.
All it takes is missing one small detail and suddenly the deferred interest comes down hard. Maybe they’re allowed to do it, but it felt shady and stressful. I’m really disappointed, and I don’t see myself using Synchrony again.

I kept checking because I thought maybe I missed something. But no. The notifications just never really showed up, or at least not in any clear way. Kind of frustrating when you're expecting updates and then... nothing.

I had a refund sent back to my Synchrony card what a headache. The store showed it was already processed on their end, but Synchrony just kept telling me to wait a few more days like that magically fixes anything.

I called twice and somehow got two different answers, which is always super reassuring, right? Nobody could give me a real update, just the same vague “it can take time” line while my balance still looked wrong and I’m sitting there checking it every single day like it’s my new hobby.

Refunds really should not be this annoying or confusing. It’s 2026, not the pony express. If I can avoid using this card again, I absolutely will, because I do not have the patience for this kind of runaround...

I filed a dispute it felt like no one really looked at the information I sent in. I kept getting passed around, and every update was so vague that I had no idea what was actually happening. It took way longer than it should have, and in the end I still didn’t get a clear explanation. Frustrating experience overall.

I have to give them credit, the identity verification process definitely made me feel like they take security seriously... mostly because it kept asking me to verify over and over and then locked me out anyway. Frustrating and a complete waste of time

I’m frustrated with Synchrony Bank. I regret not looking more closely before signing up, because the fees didn’t feel clear to me until they actually showed up on my account. After that, I had to spend time digging around just to figure out what I was being charged for. Maybe it was buried somewhere in the fine print, but I really wish they made this stuff more obvious upfront. It ended up feeling sneaky.

My bill never seems to add up the way it should. The statement showed charges and interest that didn’t match what I’d already paid, so I called in to get it sorted out. I ended up calling twice and got different numbers both times. What’s even more frustrating is that nobody seems to clearly own the problem, it just gets passed around like it’s someone else’s job. At this point, it’s hard to trust the bill each month.

I opened a savings account thinking the rate would be decent, but my gut says it’s just not worth it. Compared to a lot of other online banks, the yield feels low, and it doesn’t seem like they really adjust when rates change. I kept checking around and couldn’t see much of a reason to let my money sit there, so I moved most of it out.

The transfers are painfully slow. I’m sitting there waiting like time has completely stopped, and it gets frustrating fast

I set up autopay thinking that would take care of things, but I still ended up getting charged a late fee. When I contacted customer service, they basically made it sound like it was on me, even though I had already enabled it. What’s frustrating is that nobody seems to clearly own the issue — is it the billing team, the payment system, customer support? Everyone just points back to you. Now I feel like I have to check it manually every month, which defeats the whole point of autopay.

I expected the website to be straightforward to use, but the login barely ever works for me. For something that should be quick and simple, it ends up being a real pain every time.

I opened an account with Synchrony because I figured the rates would stay competitive, or at least close enough. But then the rate dropped, and now when I look around, other banks seem to be doing better. The service wasn’t bad or anything, so maybe I shouldn’t complain too much, but if the interest is just average, I don’t really see the point of leaving my money there.

My Synchrony account was suspended and then closed, the whole thing felt unfair. I tried calling to figure out what happened, but every response sounded scripted, like nobody actually wanted to explain what I supposedly did wrong.

What bothers me most is that I paid on time and still ended up being treated like I was some kind of risk. If a company can freeze or close an account that easily without a clear reason, I just don’t feel comfortable trusting them again

I’m sure I made the payment, but looking at the statement, I can’t tell what it was actually applied to. Maybe I’m missing something, but the way it’s laid out is confusing and makes it hard to know what I paid for.

I had a bad feeling about this, i should’ve trusted my instinct. It ended up dropping my credit score badly, which was really frustrating...

I called Synchrony Bank about my account and ended up sitting on hold for over an hour. The same hold music just kept looping, and there was never any real update on where I was in the process or who was supposed to help me.

When someone finally answered, they sounded rushed and then transferred me like it wasn’t their problem. That was the most frustrating part — nobody seemed to actually own the issue or take responsibility, so I just gave up. For a bank this big, the wait times and runaround are ridiculous.

After dealing with their customer service and going through the account process, I’m 100% sure I don’t feel good about keeping my money here. Customer service didn’t help at all, and the whole thing just felt seriously off to me. I absolutely don’t have confidence in this bank anymore.