I’ve been a customer with this bank, and after all that time, I still can’t get approved for a credit card? I provided all the info they asked for—again—and still got denied. What’s the point of being loyal if they treat returning customers like strangers? Their decision-making is out of touch and makes no sense. Feels like a waste of time dealing with them. Honestly, this bank sucks at recognizing loyal customers and making smart decisions. I’ll be moving my business elsewhere.

I am a customer who has had a credit card from Synchrony Bank. My experience of over 1 year with this bank has been horrible! Since being forced to go paperless about 1 year ago for statements or else have to pay $1.99 month for the paper statements I was getting, I have missed receiving my notifications via email that my statement is available to review. Twice I never received my statement notification. And I have been charged very high late payment & interest fees of $38.37, $27.00 & $2.00 for not ever receiving my paperless statements! Each time I have called & verified my correct email address with Synchrony Bank. After removing these first 2 late charges in September, 2024 & again in March, 2025, I was told no more fees could be removed. I just paid the $2.00 interest charge for my late payment in March, 2025 because I was penalized for not ever getting the statement via my email! I have shredded my credit card & will no longer be a customer of this bank. Their “nickel & diming” me of fees & being penalized for never getting my paperless statements is a horrible way to keep a good customer who has a credit score in the 800+ range & was never late on any payment for over 1 year since this account was opened & when I had regularly received my paper statements in the mail! I let Synchrony Bank know on my last call with them a couple of days ago that I would be destroying my credit card & letting everyone know of my very poor experience with this bank! I no longer want anything to do with Synchrony Bank!

I am writing to express my extreme frustration and dissatisfaction with the recurring issues I am experiencing while attempting to make my monthly payment. Each month, I utilize the provided phone number on the Synchrony statement to pay my bill (844-416-8095). However, once I connect to the automated system, one of my other accounts is brought up. There is no way to change the account number. Once I repeatedly enter incorrect information to force the system to speak with someone, the call is connected to customer service in India. Due to the account being a closed account (Old PayPal Account) that was purchased by Synchrony, the representatives cannot take the payment and regardless of complaints to not do so, they send me right back to the same automated system starting the entire process over again. This can happen four or five times in a row. I was even hung up twice today and many times in the past, especially when I asked to speak with a supervisor. The customer service representative puts me on hold and after a few minutes it hangs up. These representatives, despite my providing all necessary account information, repeatedly inform me that they can not find the account or are unable to take my payment and send it right back to the automated system. Once today was honest and stated they are not trained to take those kinds of payments and sent me to the automated system. To exacerbate the issue, I have been provided with three different phone numbers by your representatives in an attempt to resolve this, and each number has resulted in the same outcome: being routed to customer service and told my account cannot be found. The three numbers are the following: 844-418-8095 (on statement), 844-373-4961 and 866-396-8254. This issue has occurred nearly every month for several years. Each time, I have wasted valuable time attempting to resolve this problem, only to be met with the same result. The inability to pay the account either on time or in a reasonable amount of time. I should not have to engage in a frustrating game of “phone tag” with three different numbers, only to encounter the same failed result each time. This is an unacceptable waste of my time and demonstrates a severe lack of efficiency and competence on your company’s part. Furthermore, nearly every representative I have spoken with has displayed a concerning lack of interest in actually resolving this issue. Their responses have been dismissive and unhelpful, leaving me feeling unheard and disregarded with a few exceptions. This is unacceptable. I require a reliable and functional method to pay my monthly bill. The current phone payment system is clearly defective and causing undue stress and inconvenience when it comes to paying a closed account when you have other active accounts with Synchrony.