Independent profile. Not owned, sponsored or endorsed by Synchrony.

Synchrony Reviews, Complaints & Contacts

Synchrony Financial, based in Stamford, Connecticut, owns Synchrony Bank, which issues many store, brand and CareCredit credit cards. Before June 2014 the bank operated as GE Money Bank and then GE Capital Retail Bank. The CFPB issued consent orders against it in 2013 and 2014; both have since been terminated.

REVIEWS & COMPLAINTS1,059on USAComplaints · none in 2023-2026 · latest 2017
PHONE(866) 419-4096General questions
WEBSITEsynchrony.com
HEADQUARTERSStamford, CT
PROFILE CHECKED
Submit a Complaint Read reviews & complaints ↓ Call (866) 419-4096 Official website ↗
VERIFIED

Contacts & Login

PhoneAddress

Customer service & general contact

Billing & payments

Show all 12 contacts

Account & login

Official website

Report abuse or suspicious activity

Other contacts

VERIFIED

Locations

  • Headquarters777 Long Ridge Road, Stamford, CT 06902
  • Mailing addressFCBI/Billing Error, P.O. Box 965035, Orlando, FL 32896-5035
  • Mailing addressSynchrony Bank (savings accounts and CDs only), P.O. Box 669802, Dallas, TX 75266-0955
EDITORIAL

Is Synchrony Legitimate?

BBB, CFPB and ComplaintsBoard figures

Legal name
Synchrony Financial
Business type
Consumer financial services holding company (NYSE: SYF) whose subsidiary Synchrony Bank, a federally chartered savings association, issues store, brand and CareCredit credit cards and offers savings products
Website
synchrony.comSource: Synchrony website, checked
Headquarters
Stamford, CTSource: Synchrony Financial Form 8-K dated July 28, 2026, cover page, checked

Synchrony Financial is a public company that files reports with the SEC under central index key 1601712, and its shares trade on the New York Stock Exchange as SYF. Its subsidiary Synchrony Bank is an FDIC-insured federal savings association, certificate 27314, regulated by the OCC; it operated as GE Capital Consumer Card Co., GE Money Bank and GE Capital Retail Bank before June 2014.

The CFPB issued consent orders against the bank in December 2013 and June 2014 and terminated them in September 2021 and May 2025, and New York's Attorney General reached an assurance with the bank and CareCredit in June 2013. Synchrony has also settled two class actions over automated calls about other people's accounts and a 2021 suit by California district attorneys over collection calls. A licensed, regulated bank can still make billing or service errors, so a cardholder's protection is a written billing dispute sent in time and, if needed, a complaint to the CFPB or the OCC.

EXTERNAL SOURCE

Independent Sources

BBB
2,283 reviews · 7,947 complaints · average customer rating 1.05 / 5
Figures checked
CFPB
85,600 complaints
Figures checked
ComplaintsBoard
26 reviews · 481 reports · average customer rating 1 / 5
Figures checked
Trustpilot
89 reviews · TrustScore 1.3 / 5
Figures checked
EDITORIAL

Complaint Themes

Mentions deferred interest, a promotional or no-interest offer, or interest charged after a promotionMentions late fees, payments not posted or a due-date problemMentions a lowered credit limit or a closed accountMentions customer service, repeated calls or an overseas call centerMentions a credit report, credit bureau or collection agencyMentions fraud, identity theft or an account the writer says was not opened by themMentions dental, medical, veterinary or other health care financed with a CareCredit card

Themes, not a count of complaints.

CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

1,059 complaints linked to the Synchrony profile are published on this site (2001-2017). None are from 2023-2026.

Show 15 more complaints on this page
EDITORIAL

Complaint record: BBB, Trustpilot, ComplaintsBoard, CFPB database and posts on this site

BBB. BBB's profile titled Synchrony Headquarters is filed under a Kettering, Ohio address; Synchrony Financial itself is headquartered in Stamford, Connecticut. The profile shows the business as not BBB accredited and "Not Rated", because the business is in the process of responding to previously closed complaints. It lists 7,947 complaints in the last 3 years, 2,054 of them filed in the last 12 months, and customer reviews average 1.05 out of 5 across 2,283 reviews.

Trustpilot and ComplaintsBoard. Trustpilot's page for synchrony.com is unclaimed and shows a TrustScore of 1.3 from 89 reviews. The separate page for carecredit.com, also unclaimed, shows 1.1 from 443 reviews. ComplaintsBoard rates Synchrony Bank 1.0 on the basis of 26 reviews and 481 complaints.

CFPB Consumer Complaint Database. The CFPB lists 85,600 complaints under the company name Synchrony Financial, received from December 2011 onward, 16,435 of them in the last 12 months. By product, 29,902 are filed as "Credit card" and 16,202 under the older label "Credit card or prepaid card"; 13,399 concern debt collection, 20,418 credit reports under two successive labels, and 1,498 checking or savings accounts.

The most common issues are incorrect information on a credit report (10,342), a problem with a purchase shown on the statement (8,483). Next are improper use of a credit report (7,754), fees or interest (6,619) and attempts to collect a debt not owed (4,428). Synchrony closed 58,467 with an explanation, 13,152 with non-monetary relief and 11,775 with monetary relief, and answered 84,903 on time. The CFPB publishes complaints without verifying them, and these figures are separate from the BBB and Trustpilot numbers on this page.

Posts on this site. The reports are dated 2001-2017. None are from 2023-2026. Almost all were written between 2001 and 2014, when the bank used its GE names. They name GE Money Bank, GE Capital Retail Bank, GE Capital Consumer Card Co., GEMB or CareCredit, which was the bank's health-care card subsidiary and not a former name. They describe the bank's practices under GE ownership, not necessarily Synchrony Bank's practices today.

Common topics are late fees and payments that did not post, customer service and repeated calls, interest charged after a promotional period. Others are dental, medical and veterinary bills financed with CareCredit, credit reports and collection agencies, fraud or accounts the writer did not open, and lowered credit limits or closed accounts. Some 2012 and 2013 posts in the list on this page name GE Money Bank but describe a caller who promised a loan in exchange for prepaid-card or wire payments. Those writers were dealing with someone using the bank's name, not with an account at the bank, so their posts are not evidence about how the bank handled its customers.

Had an experience with Synchrony? Tell other people what happened.

Submit a Complaint
EDITORIAL

Synchrony card problems: who to contact and what to send

Synchrony Bank issues many store, brand and health-care cards, so the name on your card may be a retailer's or CareCredit rather than Synchrony. Your monthly statement and card agreement name the issuer and the billing-inquiries address for your account.

Synchrony's own channels.

  • General questions: (866) 419-4096. CareCredit accounts: (866) 893-7864. Savings accounts: (866) 226-5638. Pay in 4 loans: (855) 945-3576. Pay in Monthly loans: (844) 373-4960.
  • Store cards such as Lowe's or Sam's Club: look up your card on Synchrony's Find account page. To chat, pick your card in the partner search, choose Account access, then the Chat icon, or sign in and choose Chat Now. Secure messages are sent from Messages after you sign in.
  • Synchrony says it will not discuss account details over unsecured channels and asks you to allow at least 3 business days for a representative to respond to an inquiry.

Disputing a charge. Synchrony's FAQ warns that a phone call about a billing error does not preserve your rights under federal law. To keep them, write to FCBI/Billing Error, P.O. Box 965035, Orlando, FL 32896-5035, with your name and account number, the dollar amount of the suspected error and why you believe it is a mistake. Some programs print a different billing-inquiries address on the statement; if yours does, use that one. The CFPB says to send the written notice within 60 calendar days after the charge appeared on your statement and to call the company as well.

The card issuer then has 30 days to confirm in writing that it received your dispute, and Synchrony says an investigation can take up to 60 days. Under the Fair Credit Billing Act you may withhold payment of the disputed amount while it is investigated, but pay the rest of the bill on time. Keep a copy of the letter and proof of mailing. The same process covers goods or services you paid for but did not receive or accept as agreed.

Fraud or identity theft. Call Synchrony's Fraud Department at (866) 834-3205; if you already have an open fraud case, Synchrony lists (866) 412-7866. Synchrony says you may receive a Fraud Investigation Form within two weeks of reporting. Report identity theft to the Federal Trade Commission at IdentityTheft.gov or (877) 438-4338, and place a fraud alert with the credit bureaus. A caller who promises a loan in exchange for gift-card or wire payments is not offering a Synchrony account; report such calls at ReportFraud.ftc.gov.

Deferred-interest promotions on CareCredit and store cards. With a deferred-interest promotion Synchrony charges no interest on the promotional purchase if you pay it in full within the promotional period. Interest still accrues at your account's standard rate, and if any of the promotional balance is left at the end, the interest is charged from the purchase date. Synchrony's FAQ warns that the minimum payments may or may not pay off the purchase in time. Divide the promotional balance by the months left before the expiration date shown on your statement, pay at least that much each month, and keep proof of payment dates. Equal-payment and fixed-pay promotions work differently, and your statement shows which type you have.

If Synchrony does not resolve it. File a complaint with the CFPB at consumerfinance.gov/complaint or (855) 411-2372; the CFPB sends it to the company for a response. Synchrony Bank's federal regulator is the OCC, whose Customer Assistance Group takes complaints through HelpWithMyBank.gov or (800) 613-6743 (Monday to Friday, 7 a.m. to 7 p.m. Central) and asks you to try the bank first. You can also complain to your state attorney general's consumer protection office or to BBB.

EDITORIAL

CFPB consent orders of 2013 and 2014, both terminated, and a 2013 New York assurance

A CFPB consent order is an administrative order issued with the company's consent; it is not a court judgment. Both CFPB orders on this page were issued to the bank while it was named GE Capital Retail Bank; FDIC records show its name changed to Synchrony Bank on June 2, 2014. Neither order is still in force.

More on regulatorsShow less

CFPB, December 10, 2013, File No. 2013-CFPB-0009: GE Capital Retail Bank and CareCredit LLC. The CFPB ordered the bank and its subsidiary CareCredit to refund up to $34.1 million to potentially more than 1 million consumers. Its press release says that since January 2009 consumers who signed up for the card frequently received an inadequate explanation of its terms. The release adds that about 85 percent of CareCredit borrowers were placed in a deferred-interest plan. It says that under that plan CareCredit assessed 26.99 percent annual interest on the balance during the promotional period. It also says that more than 175,000 enrolled providers sold the card and that there were about 4 million active cardholders.

In September 2021 the CFPB terminated the order, stating that the bank and CareCredit had fulfilled their obligations, including at least $34.1 million in redress to affected consumers, and had stopped the practices it cited.

New York Attorney General, June 2013, Assurance No. 12-103: GE Capital Retail Bank and CareCredit, LLC. The Assurance of Discontinuance followed an investigation opened after consumer complaints about CareCredit's health-care financing. It describes the bank as formerly known as GE Money Bank and says CareCredit had issued the card to more than 535,000 New Yorkers.

Among the Attorney General's findings, which CareCredit neither admitted nor denied, is that its marketing materials did not give consumers user-friendly explanations that 26.99% interest would accrue from the date of purchase if a promotional balance was not paid off within the promotional period. CareCredit agreed to change its provider contracts and disclosures, to pay $125,000 toward the costs of the investigation. It also agreed to notify New York consumers whose disputes over charges incurred from January 1, 2008 had been decided in the provider's favor that they could appeal, with restitution or review by an independent arbiter.

CFPB, June 19, 2014, File No. 2014-CFPB-0007: Synchrony Bank, formerly GE Capital Retail Bank. The CFPB required about $225 million in relief: $56 million in refunds to roughly 638,000 consumers over deceptive marketing of credit card add-on products. It also required $169 million to about 108,000 borrowers who were left out of debt-relief offers because their accounts showed a Spanish-language preference or a Puerto Rico mailing address. The bank consented to the order without admitting or denying wrongdoing. On May 12, 2025 the CFPB terminated the order, stating that the bank had provided at least $259 million in redress and paid a $3.5 million civil money penalty. The CFPB added that termination fit Executive Order 14281 because the order relied in part on a disparate-impact theory of liability.

For a problem today. Because both orders have ended, a cardholder with a current dispute relies on Synchrony's written billing-error process and, if that fails, on a complaint to the CFPB, which forwards it to the company for a response, or to the OCC, the bank's federal regulator.

EDITORIAL

Settlements and judgments involving Synchrony

Court records

Each of the matters on this page ended in a settlement or a negotiated judgment. None is a court finding that the allegations were proved.

More on the lawsuitsShow less

Calls about other people's accounts. In Neal v. Wal-Mart Stores, Inc. and Synchrony Bank, f/k/a GE Capital Retail Bank (W.D.N.C., 3:17-cv-00022, consolidated with Campbell v. Synchrony Bank), the court filed its Final Judgment and Order of Dismissal on March 19, 2021. That followed a final approval hearing the day before. The judgment approved a $2,900,000 settlement fund. The class was people whose cell phones Synchrony called, using an automatic telephone dialing system or an artificial or prerecorded voice, about a Synchrony account that did not belong to them.

In Lucas v. Synchrony Bank (N.D. Ind., 4:21-cv-00070-PPS), the Final Judgment and Order of Dismissal filed April 25, 2023 approved a $2,600,000 fund for people who received prerecorded-voice calls on a cell phone between October 16, 2020 and November 18, 2022. The calls were about a Synchrony Bank account that was not theirs.

Both courts recorded no objections, and both orders state that the agreement is not an admission or evidence of any violation of law or of any liability or wrongdoing by Synchrony. The Neal claim deadline was March 1, 2021, and the court accepted otherwise valid claim forms received up to the date of its final order. If you keep getting calls about someone else's account, tell Synchrony that the number is not the account holder's, ask it to stop calling, and keep a log of the calls.

California district attorneys, 2021. The San Diego County District Attorney announced on November 15, 2021 that Synchrony Bank would pay $3.5 million to settle a civil lawsuit by a statewide team of district attorneys alleging unreasonably frequent or harassing collection calls to debtors in California. The judgment, entered November 10, 2021 in Los Angeles Superior Court without admission of wrongdoing, comprises $2 million in civil penalties, $975,000 in investigative costs and $525,000 in alternative restitution to a charitable trust fund. It also requires the bank to keep policies that limit the total number of calls to each debtor and honor requests for calls to stop.

Shareholder case. In re Synchrony Financial Securities Litigation (D. Conn., 3:18-cv-01818) alleged that Synchrony told investors its underwriting was disciplined while it had relaxed its standards. The court approved a $34,000,000 cash settlement for buyers of Synchrony securities from January 19 through July 12, 2018, and entered final judgment on August 7, 2023. The case concerned investors, not cardholders.

PUBLIC RECORD

Court & Public Records

Neal v. Wal-Mart Stores, Inc. and Synchrony Bank, consolidated with Campbell v. Synchrony Bank, TCPA class action over calls about other people's accounts

Settled

U.S. District Court, W.D. North Carolina, Charlotte DivisionDecided Docket 3:17-cv-00022-KDB-DCKSource ↗

Settled

Class settlement with a $2,900,000 settlement fund for people whose cell phones Synchrony called between June 17, 2016 and the preliminary approval of the settlement, using an automatic telephone dialing system or an artificial or prerecorded voice, about a Synchrony account that did not belong to them. The Final Judgment and Order of Dismissal, filed March 19, 2021 after a final approval hearing on March 18, 2021, approved attorneys' fees of $966,666.67 (one-third of the fund), records no objections, accepts otherwise valid claim forms received after the March 1, 2021 claim deadline up to the date of the order, and states that the agreement is not "an admission or evidence of any violation of any statute, law, rule, regulation, or principle of common law or equity, of any liability or wrongdoing" by Synchrony.

Lucas v. Synchrony Bank, TCPA class action over prerecorded calls about other people's accounts

Settled

U.S. District Court, N.D. Indiana, Hammond Division at LafayetteDecided Docket 4:21-cv-00070-PPSSource ↗

Settled

Class settlement with a $2,600,000 settlement fund for people who received artificial or prerecorded-voice calls on a cell phone from October 16, 2020 through November 18, 2022 about a Synchrony Bank account that did not belong to them. The Final Judgment and Order of Dismissal filed April 25, 2023 granted final approval, records no objections, approves attorneys' fees of $826,888 (31.8 percent of the fund) and a $10,000 service award, and states that the agreement is not "an admission or evidence of any violation of any statute, law, rule, regulation, or principle of common law or equity, of any liability or wrongdoing" by Synchrony.

California district attorneys v. Synchrony Bank, civil suit over collection calls

Settled

Los Angeles County Superior Court, CaliforniaDecided Source ↗

Settled

Settled by a judgment entered November 10, 2021 without admission of wrongdoing. Synchrony Bank agreed to pay $3.5 million: $2 million in civil penalties, $975,000 in investigative costs and $525,000 in alternative restitution to a charitable trust fund. The judgment also requires the bank to keep policies that limit the total number of calls to each debtor and honor requests for calls to stop. The suit alleged unreasonably frequent or harassing collection calls to debtors in California.

In re Synchrony Financial Securities Litigation, investor class action

Settled

U.S. District Court, D. ConnecticutDecided Docket 3:18-cv-01818Source ↗

Settled

Investor class settlement of $34,000,000 in cash for people who bought Synchrony securities from January 19 through July 12, 2018. The lead plaintiff, Stichting Depositary APG Developed Markets Equity Pool, alleged that Synchrony described its underwriting as disciplined while it had relaxed its standards. The court granted final approval in August 2023 and entered final judgment on August 7, 2023. The case concerned investors, not cardholders.

EDITORIAL

Who Synchrony is: Synchrony Financial, Synchrony Bank and the former GE names

Corporate structure. Synchrony Financial is a Delaware corporation with principal executive offices at 777 Long Ridge Road, Stamford, Connecticut 06902, and its shares trade on the New York Stock Exchange as SYF. It offers its credit products mainly through Synchrony Bank, which its annual report describes as a federally chartered savings association whose primary regulator is the Office of the Comptroller of the Currency (OCC). FDIC records list the bank's main office in Draper, Utah, under certificate 27314. They also trace its legal names since it opened on August 1, 1988: Monogram Bank, USA; GE Capital Consumer Card Company (1993); and GE Capital Consumer Card Co. (April 3, 2003). The later names are GE Money Bank (February 7, 2005); GE Capital Retail Bank (October 1, 2011); and Synchrony Bank (June 2, 2014).

Size and card programs. In its annual report for 2025 Synchrony says it financed $182.3 billion of purchase volume during the year and had $103.8 billion of loan receivables and 70.7 million active accounts at December 31, 2025. It sells through five platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness, and Lifestyle. Retailers named in the report include Amazon, Lowe's and JCPenney, and Synchrony says it is the exclusive issuer of a general-purpose and private-label credit card program at Walmart. It also bought Ally Financial's point-of-sale financing business, Ally Lending, on March 1, 2024; Synchrony's FAQ says former Ally Lending installment loans keep their terms after the move.

Why a store card can be a Synchrony account. A retailer, dentist, veterinarian or online marketplace offers the card at checkout, but the credit comes from Synchrony Bank. That is why complaints about store cards, CareCredit and PayPal Credit can all lead to the same bank, and why the card agreement, not the merchant's staff, decides billing and interest questions.

VERIFIED

Company Relationships

  • Affiliated withSynchrony Bank
  • Affiliated withCareCredit LLC
  • Affiliated withAlly Lending (point-of-sale financing business of Ally Financial Inc.)
EDITORIAL

Frequently Asked Questions

How do I dispute a charge on a Synchrony credit card?

To dispute a Synchrony billing error, put it in writing. Synchrony's FAQ says calling about a billing error "will not preserve your rights under federal law" and asks cardholders to write to FCBI/Billing Error, P.O. Box 965035, Orlando, FL 32896-5035, with their name, account number, the dollar amount of the suspected error and why they believe it is wrong. If your statement prints a different billing-inquiries address, use that one. The CFPB says to send the notice within 60 calendar days after the charge appeared on your statement. The issuer then has 30 days to acknowledge the dispute, Synchrony says resolving it can take up to 60 days, and you may withhold the disputed amount while paying the rest of the bill.

How do I pay a Synchrony bill without signing in?

Synchrony offers a Pay without sign in option. Open your account's sign-in page through the Find account page, choose the Pay as guest button, then select the payment amount, select the payment method, and review and authorize the payment; an email confirmation goes to the email address on the account. Synchrony says payments received before 11:59 p.m. Eastern Time on any day are credited that same day and payments received after that are credited the next day. A guest can make only one same-day payment on each Synchrony credit card account and cannot schedule future payments; signing in at synchrony.com allows up to 12 payments. On the Find account page, store cards such as Lowe's or Sam's Club are found by searching the card name.

Who issues the Amazon Store Card and how do I pay it?

Synchrony's Amazon page says the Amazon Store Card and the Amazon Secured Card are issued by Synchrony Bank. At synchrony.com/amazon, the Manage account and Pay my bill buttons lead to the sign-in to pay the bill, view the balance and transactions and set alerts, and the page footer links to Pay without sign in. For questions about the Amazon Store Card the page lists Synchrony Bank at (866) 634-8379, and for the Amazon Secured Card (855) 597-4891.

Is the PayPal Credit card issued by Synchrony?

A June 3, 2025 press release in Synchrony's newsroom says PayPal introduced a physical PayPal Credit card issued by Synchrony. The card can be used in-store and everywhere Mastercard is accepted, in addition to using PayPal Credit online when checking out with PayPal, and it can be added to mobile wallets for tap-to-pay.

What did Synchrony announce with OpenAI?

On August 17, 2026 Synchrony announced an enterprise collaboration with OpenAI. The release says Synchrony will launch a ChatGPT plugin, soon to be available in the ChatGPT plugin directory. The plugin will allow consumers to discover savings and offers within the Synchrony Marketplace directly within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners.

Why was I charged interest on a CareCredit or store promotion?

Many CareCredit and store-card promotions are deferred-interest offers. Synchrony's FAQ says interest "is charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period" and that the minimum payments "may or may not" pay off the purchase in time. So a balance of even a few dollars left at the deadline brings back all the interest that accrued since the purchase. Check the expiration date on your statement and pay the promotional balance in full before it. If you believe the interest was charged in error, for example because a payment was misapplied, dispute it in writing within 60 days of the statement.

How do I report fraud or identity theft on a Synchrony account?

Call Synchrony Bank's Fraud Department at (866) 834-3205 as soon as you notice the problem; for a fraud case that is already open, Synchrony lists (866) 412-7866. Synchrony says it may send a Fraud Investigation Form within two weeks. Report identity theft to the Federal Trade Commission at IdentityTheft.gov or (877) 438-4338, place a fraud alert with the credit bureaus, and dispute any fraudulent charge in writing within 60 days of the statement that shows it. If Synchrony does not fix it, the CFPB takes complaints at consumerfinance.gov/complaint.

What phone numbers does Synchrony publish for cardholders?

Synchrony's Contact us page lists (866) 419-4096 for general questions, (866) 893-7864 to manage a CareCredit account, (866) 226-5638 for savings products, (855) 945-3576 for Pay in 4 loans and (844) 373-4960 for Pay in Monthly loans. Store cards such as Lowe's or Sam's Club are reached through the Find account page, and the number on the back of your card goes to your own program. Fraud reports go to (866) 834-3205. Synchrony asks you to allow at least 3 business days for a representative to respond to an inquiry.

Is Synchrony Bank the same institution as GE Money Bank or GE Capital Retail Bank?

Synchrony Bank is the same bank under earlier names. FDIC records for certificate 27314 show the legal name GE Money Bank from February 7, 2005, GE Capital Retail Bank from October 1, 2011 and Synchrony Bank from June 2, 2014, and the CFPB's 2014 order names "Synchrony Bank, f/k/a GE Capital Retail Bank". Older complaints that name GE Money Bank, GE Capital Retail Bank or GE Capital Consumer Card Co. therefore concern the same bank. CareCredit is not a former name: the CFPB described it in 2013 as the bank's subsidiary that runs its health-care credit card program.

What did the CFPB orders against Synchrony Bank require?

The December 10, 2013 order against GE Capital Retail Bank and CareCredit required refunds of up to $34.1 million to CareCredit customers who, the CFPB said, had received an inadequate explanation of the card's terms. The June 19, 2014 order required about $225 million in relief: $56 million to roughly 638,000 consumers over the marketing of credit card add-on products. It also required $169 million to about 108,000 borrowers left out of debt-relief offers because of a Spanish-language preference or a Puerto Rico address. The CFPB terminated the 2013 order in September 2021, citing at least $34.1 million in redress, and the 2014 order on May 12, 2025, citing at least $259 million in redress and a $3.5 million civil penalty.

How many complaints about Synchrony are in the CFPB database?

The CFPB Consumer Complaint Database lists 85,600 complaints under the company name Synchrony Financial, received from December 2011 onward, 16,435 of them in the last 12 months. Most concern credit cards, credit reporting and debt collection. The CFPB publishes complaints without verifying them, and the count is separate from the 7,947 complaints BBB shows for the last 3 years.

What do BBB and Trustpilot show for Synchrony?

BBB's profile titled Synchrony Headquarters, filed under a Kettering, Ohio address, shows the business as not BBB accredited and "Not Rated" while it responds to previously closed complaints. It lists 7,947 complaints in the last 3 years, 2,054 of them in the last 12 months, and an average of 1.05 out of 5 from 2,283 customer reviews. Trustpilot's unclaimed page for synchrony.com shows 1.3 from 89 reviews, and its page for carecredit.com shows 1.1 from 443 reviews.

Why do some archive posts about GE Money Bank describe prepaid-card payments for a loan?

In a group of complaints from 2012 and 2013, writers say someone calling in the name of GE Money Bank promised them a loan and asked for an upfront payment on prepaid cards or by wire. They describe callers using the bank's name, not accounts with the bank. A lender does not ask for gift-card or wire payments to release a loan; check any call against the numbers on Synchrony's Contact us page, and report impersonators to the FTC at ReportFraud.ftc.gov.

CONSUMER ALLEGATION

Related Complaints

Role in the other company’s page