Synchrony Financial Bank Collection Complaints?

We Stop Unwanted Calls and Debt Collector Harassment.

Synchrony Financial or Synchrony Bank is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

Who is Synchrony Bank?

Synchrony Bank offers consumer credit through a variety of retailers and banks. Synchrony Financial’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. If you have been contacted by Synchrony Financial or Synchrony Bank, make sure you know your rights before responding.

According to Buzzfile, Synchrony Financial was founded in 2013 in Stamford, CT and generates an annual revenue estimated at $13.6 billion. According to its website, Synchrony’s “roots in consumer finance trace back to 1932.” The Better Business Bureau (BBB) confirms 1932 as the founding date of Synchrony Bank in Kettering, OH. Alternate business names for Synchrony Bank include Care Credit, PayPal Smart Connect, PayPal Extras MasterCard, and Retail Finance International Holdings, Inc.

Synchrony Financial provides “a range of credit products through programs…with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers to help generate growth for [their] partners and offer financial flexibility to…customers.”

Synchrony offers consumer credit services in three areas. Their consumer credit department offers credit cards specifically tailored to meet the needs and preferences of shoppers and consumers. Site visitors can apply for retail credit directly on the Synchrony Financial site by selecting a shopping category and applying to one of Synchrony’s credit programs to complete the purchase. Their CareCredit program allows consumers to use credit to pay for cosmetic surgery, dentistry, hearing, vision, and even veterinary services. Finally, they offer a variety of investment and savings accounts ranging from high yield savings to IRA money market investment accounts.

For businesses, Synchrony offers credit card programs tailored to meet the marketing needs of specific retailers, including installment loan programs; Synchrony Connect, a proprietary financial consulting and investing service; loyalty programs that offer subsidized marketing and advertising services; and financial servicing options for healthcare providers who chose to enroll in CareCredit.

Complaints against Synchrony Bank

Since March 2015, the Consumer Financial Protection Bureau (CFPB) has logged over 3,100 complaints against Synchrony Financial, ranging from billing disputes to marketing and advertising complaints to problems with communication tactics. The BBB’s profile page for Synchrony Bank lists 4,819 complaints closed in the past three years, with 1,397 closed in the past 12 months. Most of these complaints were about billing and collection issues, but also included complaints about advertising and customer service. Of the 865 customer reviews, 815 are negative. Justia lists at least 35 cases of civil litigation that name Synchrony Financial as a defendant.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

Sample Case against Synchrony Bank

In 2016, in United States District Court for the District of South Carolina, Charleston Division, a plaintiff filed a complaint against Synchrony Bank alleging that Synchrony’s financial activities in violation of the Fair Credit Reporting Act (FCRA) constituted defamation of character. The plaintiff underwent a surgical operation and claimed that a line of credit was “improperly opened in his name” to pay for the operation. Synchrony Bank subsequently reported negative information about account repayment to the credit reporting agencies, which the plaintiff argues was sufficiently negative and inaccurate to rise to the level of defamation. Synchrony cited a provision of the FCRA that states, “no consumer may bring any action or proceeding in the nature of defamation…against…any person who furnishes information to a consumer reporting agency.”

Despite a second similar FCRA provision, the judge noted conflicts among interpretations of applicable state and federal laws. He also noted the plaintiff’s insistence that Synchrony’s “false reports and furnishings of information to the effect that Plaintiff owed money was done with malicious intent, that intent specifically being to coerce Plaintiff to pay money he did not owe.” Although Synchrony objected that the plaintiff had not offered evidence of malicious intent, their objection was raised too late for the judge to have considered it in his reply. As a result, Synchrony’s motion to dismiss the charges based on the FCRA provisions was dismissed.

Press Releases of Lawsuits Brought On By Lemberg Law Against Synchrony Bank

June 16, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Western District of New York. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. It asks for $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages and other relief.

The Telephone Consumer Protection Act was written and its rules were promulgated to ensure that consumers aren’t harassed by unwanted phone calls. Yet our client says that Synchrony Bank called her cell phone using an automatic telephone dialing system and/or using a prerecorded message. She says that Synchrony Bank left prerecorded messages instructing her to visit their website. She emailed the customer service department at Synchrony Bank and asked them to stop calling her cell phone, yet they continued to robocall her.

The lawsuit charges that Synchrony Bank violated the Telephone Consumer Protection Act (TCPA) by using an ATDS and by using a prerecorded voice to call our client’s cell phone without her consent.

May 31, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of Connecticut. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. It asks for $500 to $1,500 per call in statutory damages and other relief.

Robocalls are annoying, irritating, maddening, and every other synonym you can think of. Our phones are our personal possessions, and we should get to choose who calls us. That is one of the reasons the Telephone Consumer Protection Act was signed into law – to protect consumers from unwanted calls.

Our client says that Synchrony Bank robocalled her cell phone without her consent. She knew it was a robocall because, when she answered, she heard ringing until she was transferred to a live agent. That is one of the hallmarks of a predictive dialer, which is an automatic telephone dialing system under the TCPA. Our client asked Synchrony Bank to stop calling her cell phone, but they kept robocalling nonetheless.

The lawsuit charges that Synchrony Bank violated the Telephone Consumer Protection Act (TCPA) by using a predictive dialer to call our client’s cell phone without her consent.

May 3, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. It asks for $500 to $1,500 per call in TCPA statutory damages plus other relief.

Robocalls are bothersome. Cell phone robocalls can be expensive, annoying, and even illegal. Our client alleges that Synchrony Bank called his cell phone using an automatic telephone dialing system and/or using an artificial or prerecorded voice. These are the hallmarks of robocalls. When our client answered the calls from Synchrony Bank, he said that he heard a prerecorded message regarding his account. A few weeks after receiving the first call, our client says that he told Synchrony Bank that he was making partial payments, and that he requested that all calls to his cell phone stop. Nevertheless, Synchrony Bank continued to robocall our client’s cell phone.

The lawsuit charges that robocalls violated the Telephone Consumer Protection Act (TCPA) by using an ATDS and by using a prerecorded voice to call our client’s cell phone without his consent.

Contact Information

Synchrony Financial
777 Long Ridge Rd
Stamford, CT 06902
Telephone: 203-585-2400

Understanding Your Debt Collection Rights

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Ready to Stop the Harassment?

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.

What Our Clients are Saying

“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”

“Joann was so professional and helpful every time I had a question or needed help. Thank you so much for caring!”

“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! Thank you so much! It had been more than I anticipated.”

Can You Help Me Delete Synchrony Financial from My Credit Report?

Chances are we can. Call us to today and we’ll tell you how we can help.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Andrew L

    I want the negative items from Care Credit/Synchrony Bank to be removed from my credit report. I fell for there deceptive deferred interest sham and I’ve received between 3-5 robocalls per day.
    I’ve entered into a debt settlement agreement just to be over and done with this mess. All I care about is getting my good credit score back. The Representative I talked to with the company said they couldn’t retract any of the damaging information they sent to the credit bureaus. Can someone please help me!?

  • Amanda

    I opened a Synchrony account through a sales representative at American Mattress. I was never given any account information at the store nor was I sent any card information. I was told by the sales person that I had 12 months to pay the account off in full with 0 payments till then. Concerned I have not received any account information regarding my balance due, I called Synchrony. Upon calling they charged off my account for no payment (different than what was explained at American Mattress). This has greatly impacted my credit score. I learned that Synchrony had the wrong address on file. I requested to speak with a manager. The manager never called me. How do I get my account reinstated due to the mistake on Synchrony’s end in having the wrong address on file (never receiving any information) as well as American Mattress (not providing accurate details on the account)?

  • Jessica

    I answered to let them know i was going to PIF my account in a month. The guy was super rude so I set up an arrangement to stop them from calling. They just called me back today accusing me of giving false banking information. I advised it was correct and i was busy at work and couldn’t talk. I advised i would call them back. The guy refused and asked when they could call me back. I told him 12pm CST. He told me i had to answer then and was very demanding. Well noone called until 1pm CST. I refused to answer since im busy.

  • Stella

    Whenever I miss a payment on my account (which is only twice now), I receive multiple calls DAILY from Synchrony Bank. I had been receiving texts also but managed to opt out of those. I had already contacted the bank to explain my current and temporary financial problems and to express every intention of making payments as I can. I owe less than $200 on this account. The phone calls are relentless and occurring on weekends and as early as 7am.

  • Margaret D

    Synchrony Bank needs to have another class action lawsuit filed against them for the continued harassment of customer. All my cards with them are paid up to date and I get these weird text messages, emails, and harassing calls from them. I have asked them to stop and they continue on.

  • Adel

    Financed furniture through Synchrony Bank at The Furniture Galleria Store. Synchrony Bank paid for the furniture, and the store kept furniture, and the monies. I have placed several disputes with Synchrony Bank. The outcome has been that Synchrony Bank favors the merchant at all times, and they want me to pay for the furniture I did not have.

  • Derrell M

    My wife and i have been getting harassed for a long time. Even when we were making payments every single month. They are so bad we unplugged the home phone and they jam our cell phones repeatedly. I have spent over 3 hours on the phone with them repeatedly to try to get them to sign a contractual repayment plan but they insist they cant do that and have to have unfettered access to our bank account whcih we said no and they are suing us even though they did provide us contracts on at least 2 other accounts. I am so sick of this predator.

  • Justin T

    I would like to seek legal guidance over the continuous harassment of Synchrony bank. I get 5 calls per day from an automated service and they never leave a voicemail. I will get into work over the weekend and have between 15-20 missed calls on my work phone from them.

  • Sherri j

    Synchrony bank took my from my bank account without my permission. Over 1000.00. Left me 600.00 overdrawn. I dont know what to do.

  • Deborah G

    I find it absolutely repulsive that the financial system allows such predators as Synchrony Bank to continue to feed off of people. Someone needs to put Synchrony Bank out of business. This bank offers various credit card (including care credit) and then manipulates the repayment agreement and the posting of the monthly payment in order to apply a financial penalty against your account. This lender is a predator lender, avoid at all cost.

  • harold

    they never sent me my monthly statement so i could pay my amazon account i made several calls and emails still i got no statement for 5 months now when i call they hang up on me now my credit is screwed up

  • Robin L

    I was in the middle of buying a hoiseast year and previously paid of my credit card. Without permission they did a credit run and closed my old Wal-Mart card and sent a new MasterCard. This almost cause me issues buying a home but I had to prove I didn’t open any new accounts . I had this account with Wal-Mart for 7 or 8 years and never had a late payment. I used my card in July 2018 and forgot about my payment for August. They put my card on hold while trying make a purchase for 300.00 , that same day I had made a 100.00 payment which hadn’t posted. I called them and told them what happened but they didn’t seem to care. I made another payment in September to make up for my original late payment. In Oct they decreased my credit line to 1/2 and said it was because of derogatory credit . A couple of medical bills hit our credit for less than 50.00 which are under dispute. Credit score still 705. I tried to call and discuss but they didn’t seem to care. So in 8 years I had one late payment and I deserved to be treated this way. I don’t always use my card when shopping at Walmart/ sams club and I am sure if I looked at the amount I spend there in a year is several thousands of dollars. I can’t believe Walmart would allow there customers to be treated this way. I should of closed my account when they almost ruined my home purchase. I gave them a 2nd chance but they were unwilling to give to me.

  • Adam

    They don’t fu$&@ing stop calling holy sh!t blood suckers. The elite have more money than they can spend in a thousand lifetimes and they harass people over petty crap. Greedy j’s.


    I have been trying to resolve a problem with Synchrony bank for over two years now. they have cut off my Amazon account and taken away my prime membership plus all my digital stuff stored on Amazon plus my warentee’s. Prevented me from showing that I never ordered the phone they say I ordered. I never speak to a person

  • Duane M

    I have 3 cards with Synchrony Bank, ( Lowes, QVC and Conns ) and they are steadily decreasing my credit limit. They state that they do periodical credit checks. They just recently closed my QVC card with no balance and no payments do, which I paid off in May of this year. I make a payment they decrease my credit limit.

  • Eva M

    Synchrony Bank has steadily decreased my Spouses credit card….stating because of credit reporting they have been harassing us with claiming we had written (2) bad checks one was true but the other was due to KOHLS Department store having a glitch and they wiped our checking account out….We got all the papers and it was straightened out …we have not missed any payments and have been paying them. a few months back in the summer they decreased his credit line by 1,000.00. So I started to pay more , well they decreased it again no explanation….

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.
Email is required to block spam, but will not be published.

Please select your star rating.

Briefly describe your experience Briefly describe your experience

What’s your name? What’s your name?

What’s your phone number? Please enter a valid phone number

Want to know if you could sue? Get free legal evaluation Lemberg Law?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information.