Synchrony Financial
Synchrony Financial Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Synchrony Financial has 1.5 star rating based on 176 customer reviews. Consumers are mostly dissatisfied.
32% of users would likely recommend Synchrony Financial to a friend or colleague.
- Rating Distribution
Pros: That we are done with them, Closed all accounts, I appreciated the business at one point.
Cons: Customer service, Billing practices, Do not credit your payments.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Synchrony Financial has 1.5 star rating based on 176 customer reviews. Consumers are mostly dissatisfied.
32% of users would likely recommend Synchrony Financial to a friend or colleague.
- Rating Distribution
Pros: That we are done with them, Closed all accounts, I appreciated the business at one point.
Cons: Customer service, Billing practices, Do not credit your payments.38% of users think that Synchrony Financial should improve its Customer Service.
71% of users say that they won't use Synchrony Financial in the future for similar services or products.Recent recommendations regarding this business are as follows: "24 hrs customer service", "Don't bank with them", "Rip offs multiple people have told me how bad these people are the company admits mistake won't correct", "PSA: Never go to Meineke and DO NOT USE the Synchrony Bank Credit Card (CareCredit is one of their products).#askmehowIknow Meineke & Synchrony Bank: A Duo of Disappointment (NEGATIVE 10 Stars!) If you’re looking for a place to be ignored, gaslit, and fleeced of over $5,700 for repairs that didn’t fix your car but made things worse, Meineke is your one-stop shop. And when you dare to question that outrageous bill, Synchrony Bank delivers a masterclass in corporate indifference. The Horror Story: I opened a Synchrony‑issued Meineke Card to save on a $$$$ repair (or so I thought)—only to discover they "diagnosed" issues that weren't there, left off bolts to the brakes (scary as *** and cost me hours of work and travel to be told "we can't find the issue." I had to go elsewhere to fix their mistake, racking up more bills and frustration. Corporate Ghosting: Synchrony denied my appeal with a templated "no," promised a manager call that never came, and shrugged when I followed up. Synchrony’s reps were no better: robocalls, form letters claiming "we’re looking into it," and radio silence. Try getting through to a real human on a dispute? It's impossible. Chase vs. Synchrony: I used a Chase Disney Card for my second repair. Six months later, Chase refunded every penny and followed up. Synchrony? Crickets. If you want bad customer service, endless runarounds, and zero accountability, Synchrony is your jam. CareCredit Flashbacks: I’ve used CareCredit before—another Synchrony product—and thought it was bad. This Meineke/Synchrony Credit Card takes it to a new level of absurdity. TL;DR: Banged my head against the wall to resolve issue #1 with Synchrony & Meineke. Got a 100% refund from Chase on issue #2. We are prepping for Small Claims Court because of Synchrony’s stonewall tactics. My advice: Do not use Synchrony Bank for any merchant services or credit cards—personally or professionally. If I could give a NEGATIVE 10 stars, I would. Hours of my life wasted. Still haven’t spoken to a real person. Unbelievable. (And yes, I have the receipts.) Save your money, your sanity, and your vehicle—go literally anywhere else.", "Don't have a synchrony card".
Most users want Synchrony Financial to offer a solution to their issues.
Consumers are not pleased with Customer service and Reliability. The price level of this organization is high according to consumer reviews.
Media from reviews
Top Synchrony Financial Reviews
"To speak to someone about the payoff on my account"
I got to tell you I was thoroughly pleased with the offer that I got for a settlement and they were very sympathetic and concerned about my injury which is...
"Locked me out of my account"
I contacted Synchrony Bank to do a wire transfer to a third party, which was my aunt. I informed Synchrony that I was not the account holder for the...
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer
Account number
I dont have my account number and í need to make payment. Can you help me with this matter please? Thank you
User's recommendation: 24 hrs customer service
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerLocked me out of my account
I contacted Synchrony Bank to do a wire transfer to a third party, which was my aunt. I informed Synchrony that I was not the account holder for the third-party account I was wanting to do the wire transfer to and even told them it was okay to talk about my account with my aunt.
Everything was good to go. The very next day, I'm unable to log in to my account via the app or online. I received an email stating that 'my external transfer accounts were suspended because I was not the account holder for one of the external accounts.' Now remember, I informed Synchrony of this already.
I'm unable to activate my ATM card I have in my account and can't even get to it. This is ***
- Keep your money
- Lock you out of your account
- If you pull money or try to they mark it as suspicious and put a hold
Preferred solution: My money from my money market account
User's recommendation: Don't bank with them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerSynchrony Bank and Meineke: A Duo of Disappointment
Meineke & Synchrony Bank: A Duo of Disappointment (Negative 10 Stars!)
If you're looking for a place to be ignored, gaslit, and fleeced of over $$$$ for repairs that didn't fix your car but made things worse, Meineke is your one-stop shop. And when you dare to question that outrageous bill, Synchrony Bank delivers a masterclass in corporate indifference.
The Horror Story: I opened a Synchrony-issued Meineke Card to save on a $$$$ repair (or so I thought) only to discover they diagnosed issues that weren't there, left off bolts to the brakes (scary as *** and cost me hours of work and travel to be told we can't find the issue. I had to go elsewhere to fix their mistake, racking up more bills and frustration.
Corporate Ghosting: Synchrony denied my appeal with a templated no, promised a manager call that never came, and shrugged when I followed up. Synchrony's reps were no better: robocalls, form letters claiming we're looking into it, and radio silence. Try getting through to a real human on a dispute? It's impossible.
Chase vs. Synchrony: I used a Chase Disney Card for my second repair. Six months later, Chase refunded every penny and followed up. Synchrony? Crickets. If you want bad customer service, endless runarounds, and zero accountability, Synchrony is your jam.
CareCredit Flashbacks: I've used CareCredit before—another Synchrony product—and thought it was not good. This Meineke/Synchrony Credit Card takes it to a new level of absurdity.
TL;DR: Banged my head against the wall to resolve issue #1 with Synchrony & Meineke. Got a 100% refund from Chase on issue #2. We are prepping for Small Claims Court because of Synchrony's stonewall tactics.
My advice: Do not use Synchrony Bank for merchant services or credit cards—personally or professionally. If I could give a negative 10 stars, I would. Hours of my life were wasted, and I still haven't spoken to a real person.
Unbelievable. (And yes, I have the receipts.)
Save your money, sanity, and vehicle—go anywhere else.
- Hours spent to open claim
- Failure to talk to a real person
- No follow up
Preferred solution: Full refund
User's recommendation: PSA: Never go to Meineke and DO NOT USE the Synchrony Bank Credit Card (CareCredit is one of their products).#askmehowIknow Meineke & Synchrony Bank: A Duo of Disappointment (NEGATIVE 10 Stars!) If you’re looking for a place to be ignored, gaslit, and fleeced of over $5,700 for repairs that didn’t fix your car but made things worse, Meineke is your one-stop shop. And when you dare to question that outrageous bill, Synchrony Bank delivers a masterclass in corporate indifference. The Horror Story: I opened a Synchrony‑issued Meineke Card to save on a $$$$ repair (or so I thought)—only to discover they “diagnosed” issues that weren't there, left off bolts to the brakes (scary as *** and cost me hours of work and travel to be told "we can't find the issue.” I had to go elsewhere to fix their mistake, racking up more bills and frustration. Corporate Ghosting: Synchrony denied my appeal with a templated “no,” promised a manager call that never came, and shrugged when I followed up. Synchrony’s reps were no better: robocalls, form letters claiming “we’re looking into it,” and radio silence. Try getting through to a real human on a dispute? It's impossible. Chase vs. Synchrony: I used a Chase Disney Card for my second repair. Six months later, Chase refunded every penny and followed up. Synchrony? Crickets. If you want bad customer service, endless runarounds, and zero accountability, Synchrony is your jam. CareCredit Flashbacks: I’ve used CareCredit before—another Synchrony product—and thought it was bad. This Meineke/Synchrony Credit Card takes it to a new level of absurdity. TL;DR: Banged my head against the wall to resolve issue #1 with Synchrony & Meineke. Got a 100% refund from Chase on issue #2. We are prepping for Small Claims Court because of Synchrony’s stonewall tactics. My advice: Do not use Synchrony Bank for any merchant services or credit cards—personally or professionally. If I could give a NEGATIVE 10 stars, I would. Hours of my life wasted. Still haven’t spoken to a real person. Unbelievable. (And yes, I have the receipts.) Save your money, your sanity, and your vehicle—go literally anywhere else.
Dispute
They took 79 points off my credit report for a credit card in someone else's name never do business with this company
User's recommendation: Rip offs multiple people have told me how bad these people are the company admits mistake won't correct
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNo bill or statement
I am not able to reach a customer care representative to help me with my accounts plural. I do not receive statements and Im trying to pay my bills.
User's recommendation: Don’t sign up
Bellevue, Washington
Beware of their policies
Have been making my payments on my Lowe's card just as required. These idiots at this Bank were holding my payments because they were confused as to where I wanted the money I was paying them to go.
I was absolutely confused didn't understand what they were saying, they were holding my payments because they didn't know which invoices to apply them to which made me delinquent after 90 days of them holding my money. Complete idiots!
User's recommendation: Use Lowe's but don't get a credit card from them
I gave a large credit balance and I want it
I paid for a bed I returned it I got a credit and the credit is sitting in the synchrony account and I want that money now.
User's recommendation: Don't have a synchrony card
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerCan’t reload my Amazon store card
Let me speak to somebody. The number that l was connected to was wrong.
I need to speak to someone about my Amazon store card.
It was deleted off of my account and l cant put it back on. Ive tried several times.
- Donot let customers speak to representatives
Preferred solution: I would like for my store card to be put back on my Amazon account
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerBalance
I was very satisfied
The balance was 450. It's been paid off.
My balance is now 0. I've been paying 700 a month for a year.
The company tried to charge me interest. I don't owe any interest.
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerYou cashed the check but haven't applied to my loan
I put a new a/c unit in my house right before I sold the house. The person that bought my house, also got a check from Bank of America to pay off the unit.
The check was cashed by synchrony, as per the bank; but was never applied to my account. You need to fix this. The check was bought by Norman David Bryant.
My name is Barry Hudson. You will not be getting any more payments from me.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerSynchrony/Google flagged legit phone orders as fraudulent!
Well, Google fixed the phone issue, but screwed me over on the store credit I was supposed to get.When I originally placed the order that got flagged as fraudulent by Google/Synchrony, I was told I'd also receive $350 Google Store Credit for placing that order and using their financing.After they incorrectly and falsely flagged my order as fraudulent on September 8th, they wouldn't restore my original order and told me I had to resubmit it. I did so, per their recommendation, and it went through.Today, I received the phone, and I went online to check for my store credit, only to find it was not there.
I reached out to Google Store Support via chat, and they told me that because the phone was re-ordered on September 8th, and the credit offer ended on September 7th, I didn't get the credit.Oh, *** no! I want that $350 store credit that was offered to me when I originally ordered the phone re-added to my account. Google/Synchrony caused the problem when they FALSELY and INACCURATELY flagged the original purchase as fraudulent.I should not have to lose that store credit because of Google/Synchrony's mistake. This was their fault, not mine.
I just spent over $1900 on a new phone from Google. The least they can do is make right what they did wrong.
A $350 credit that I was promised in my initial order is a small price to pay for their mistakes and my inconvenience.I need a contact with authority, either by phone or email or both, to Google for someone that can actually help me. I can't keep dealing with the Store Support; they're just giving me canned responses with no offer to escalate or resolve any issues.
This past Sunday, we get notifications that Google/Synchrony flagged our orders as potentially fraudulent.
We both reached out to Google and my wife was able to get her order restored, but I had to resubmit it. Now her phone is coming this week, while I have to wait until early October!
I'm extremely frustrated, because the fault was entirely theirs, and now I'm being forced to wait for my phone when my wife, at the same address, gets hers right away. Their phone and chat support is utterly useless, and I don't know of any other way to escalate this matter.
I do not understand why Synchrony would even consider flag our orders as fraudulent, knowing that a high-price order might come through from the Google store, ESPECIALLY when the financing request was done at the same time as the order was placed!
- Incorrectly flagging orders as fraudulent
Preferred solution: Apology
User's recommendation: Be prepared for a hassle if you get involved with Synchrony financing.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerWorst customer service
Called talked to 7 people just to get balance on my hearing aides and all I got was rudeness and 2 of them telling me to talk lower and 1 saying no when asking to speak to supervisor.. unbelievable..
u will not get any more money till someone calls me.. I blocked through bank..
- Everything else
Preferred solution: Balance
User's recommendation: Stay away from them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerBad practices
Synchrony is horrible! Do not get any of their credit cards.
They don't like for you to make payments before they are due. They hold your payments, even on electronic bill pay, and will not put it back into your availability to spend. They cannot receive those types of payments unless you have the money in your bank to cover them. Seriously?
They are waiting for them to clear? Amex and BoA don't do anything like that.
Watch out for this if you are planning on using your cards for holiday shopping. Also, their customer service leaves much to be desired!
- Buying on credit
- Poor customer service
- Will not post payments correctly
- Billing practices
Preferred solution: Apology
User's recommendation: Run
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerYou cashed the check but haven't applied to my loan
I installed a new A/C unit in my house right before I sold it to Norman David Bryant. He bought a cashier's check from Bank of America and sent it to Synchrony to pay off the unit.
Synchrony cashed the check, but it was never applied to my account. I have sent proof twice of the check, and Synchrony keeps denying that they received it. The check was made out to Synchrony and they cashed it.
In other words, Synchrony has taken the money and still expects me to pay for it. I will not be sending them any more money!
- Take your money and deny they have it
Preferred solution: Just apply the check they received to my account
User's recommendation: Do not use synchrony
Albuquerque, New Mexico
To speak to someone about the payoff on my account
I got to tell you I was thoroughly pleased with the offer that I got for a settlement and they were very sympathetic and concerned about my injury which is reason why I asked for the settlement thank you so much you went over and above with a 40% settlement that you gave me you guys are awesome and I will recommend you guys to all my friends thanks again John Holly
User's recommendation: Stated in the above paragraph
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI have not received my bill
have a pacific time customer service and have a real person answer our calls
im having a hard time getting someone to help me with my bill that i have jet received , im trying to pay my bill so that i dont get a late charge, but no body seems to be there to answer my questions and i never received my CCard
User's recommendation: very poor service
About
, , , ,
Synchrony Financial specializes in premier consumer financial services. It was founded in 2014. Its headquarters is based in Stamford, Connecticut. Synchrony Financial offers a variety of credit card programs for purchase financing. Credit facilities are provided through programs developed with retailers, manufacturers, industry associations, merchants etc. Synchrony Financial available solutions include: private label credit cards, installment lending, promotional financing, loyalty programs, and savings products. The company has more than 300 000 locations across the United States of America and Canada. It employs over 10 000 specialists.
Synchrony Financial is ranked 714 out of 5508 in Financial Services category
USA
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Yep, that'll show them! When their bill collectors start calling and your credit score drops you can write back whining how its all their fault like all the other deadbeats!!!