Synchrony

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 1016 historical complaints about Synchrony, published between 2001 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Cant log onPublished Feb 1, 2014 · Historical consumer allegation
• Paying online - CareCredit GE moneybankPublished Jan 25, 2014 · Historical consumer allegation
• No Access to my accountPublished Jan 12, 2014 · Historical consumer allegation
• GE Con MenPublished Jan 9, 2014 · Historical consumer allegation
• Second Promotional Loan Getting Majority of Monthly Payment Even Though First Promotional Loan is up in May - CareCredit-DentalPublished Jan 9, 2014 · Historical consumer allegation
• Web site access - Carecredit web site accessPublished Dec 28, 2013 · Historical consumer allegation
• Absolutely the worst bank I have ever used. - loanPublished Nov 28, 2013 · Historical consumer allegation
• Can't log in - Carecredit web site accessPublished Oct 28, 2013 · Historical consumer allegation
• GE CareCredit not willing to reach a solution regarding interestPublished Oct 28, 2013 · Historical consumer allegation
• GE CARE CREDIT IS WORST COMPANY EVER - Care Credit credit cardPublished Oct 28, 2013 · Historical consumer allegation
• GE CareCredit, not willing to reach a solution regarding interestPublished Aug 31, 2013 · Historical consumer allegation
• GE Interest After Promotional PeriodPublished Aug 6, 2013 · Historical consumer allegation
• Bought money card - money not on card walmart will not refund and GE Bank will not refundPublished Jul 16, 2013 · Historical consumer allegation
• DentalPublished Jun 30, 2013 · Historical consumer allegation
• Ge money/care credit is a scam artist!Published Jun 17, 2013 · Historical consumer allegation
• Oomstogo/gecPublished Jun 17, 2013 · Historical consumer allegation
• The site never lets me login - Care Credit credit cardPublished Jun 17, 2013 · Historical consumer allegation
• James Shafer - Financed Dental work at All Care Dental/Harrisburg, PAPublished Jun 17, 2013 · Historical consumer allegation
• CareCredit Web Site IS NOT ACCESSIBLE has been like this for over (3) weeks now. - Carecredit web site accessPublished May 17, 2013 · Historical consumer allegation
• Consumer ReportPublished May 16, 2013 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Official website: https://www.synchrony.com/
• General questions (company-published): 1-866-419-4096 80 complaints mention this number
• Contact us (company page): https://www.synchrony.com/help/contact-us
• Find your card account and sign in: https://www.synchrony.com/help/find-account
• CareCredit: manage your account: 1-866-893-7864 93 complaints mention this number
• Report fraud (Synchrony Bank Fraud Department): 1-866-834-3205
• Synchrony Bank savings products: 1-866-226-5638 1 complaint mentions this number
• Pay Later: Pay in 4: 1-855-945-3576

Locations

Synchrony card problems: where to go and what to send (checked October 6, 2026)

Synchrony Bank is the issuer behind many store, brand and health-care cards. The company's 2025 annual report names Lowe's, Sam's Club, Amazon, PayPal (including its Venmo program), Walgreens and its CareCredit brand among its programs, and says it launched a partnership with OnePay in September 2025 to become the exclusive issuer of a general-purpose and private-label card program at Walmart. Check the statement or card agreement for the issuer name before choosing a channel.

Synchrony's own channels (pages opened October 6, 2026).

• Find your account: for retail credit card accounts (Lowe's, Sam's Club and others) the Contact us page sends you to its Find account page; chat is reached by choosing the account type, selecting account access and then the chat icon or Chat Now after signing in, and secure messages are sent from the Messages area after signing in.
• General questions: 1-866-419-4096 (the Contact us page: "check out our FAQs or give us a call"). CareCredit cardholders: "Manage Your Account: 1-866-893-7864". Fraud: "Immediately contact Synchrony Bank's Fraud Department at 1-866-834-3205."
• The Contact us page says: "For inquiries, please allow at least 3 business days for a representative to contact you" and that Synchrony Bank "is unable to discuss or provide specific account information via unsecured channels."

Disputing a charge. Synchrony's FAQ answer reads: "You may call us, but telephoning about billing errors will not preserve your rights under federal law. To preserve your rights, please write us at: FCBI/Billing Error, P.O. Box 965035, Orlando, FL 32896-5035", and asks you to include your name and account number, the dollar amount of the suspected error and a description of the problem. That FAQ answer is Synchrony's general one; the CFPB tells cardholders to "Check your credit card agreement" about their rights, so confirm the billing-inquiries address printed on the statement or agreement for your own card (Amazon, PayPal, Lowe's, Sam's Club, CareCredit or another program) before mailing. It adds: "It may take up to 60 days to investigate and resolve your dispute." The CFPB's guidance (Ask CFPB, "How do I dispute a charge on my credit card bill?") says to call the card company right away and to send a written billing error notice "within 60 calendar days after the charge appeared on your statement"; the company then has 30 days to send a letter confirming it received the dispute, "unless they’ve completed required billing error resolution procedures within that time"; if it finds the charge is wrong it must remove it, and if it disagrees it must explain why in writing.

Deferred-interest promotions (CareCredit and store financing). Synchrony's FAQ states: "No interest will be charged on the promotional purchase if you pay the purchase amount in full within the applicable promotional period. Interest will still accrue at the standard rate for your account. But it is only assessed if you don't pay the purchase balance within the promotional period." It adds that "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 required minimum payments "may or may not pay off purchase by end of promotional period." The CFPB's page on medical credit cards says: "If the balance is not fully paid by the end of the promotional period or a payment is missed, interest will accrue on the full amount charged, rather than only on the remaining amount due." Work out the monthly amount needed to clear the promotional balance before the expiration date on the statement, and keep proof of payment dates.

Complaint routes outside the company. The CFPB accepts credit card complaints at consumerfinance.gov/complaint/ (its site header shows (855) 411-2372). The 2025 annual report says Synchrony Bank is a federally chartered savings association whose primary regulator is the OCC; the OCC's HelpWithMyBank.gov site lists a Customer Assistance Group at 1-800-613-6743 (Monday to Friday, 7 a.m. to 7 p.m. CT). Its File a Complaint page says to "Try to resolve your issue directly with your bank first" and provides an online complaint form that accepts up to six attachments (each up to 5 MB); the OCC says it cannot seek monetary compensation for you or act as a court. For identity theft the Synchrony FAQ points to the Federal Trade Commission (1-877-ID-THEFT). The BBB profile notes that Synchrony "has requested that before filing a complaint with your BBB, consumers should visit the company's 'Contact Us' web page" and that you may file with BBB at any time.

CFPB consent orders (2013, 2014; both terminated) and a 2013 New York assurance

These are the agencies' own documents. A consent order is an administrative action, not a court judgment. Both CFPB orders named below were issued against the entity that is now Synchrony Bank when it carried the name GE Capital Retail Bank; the FDIC's records show the legal-name change to Synchrony Bank effective June 2, 2014.

CFPB, December 10, 2013 (File No. 2013-CFPB-0009): GE Capital Retail Bank and CareCredit LLC. The CFPB's press release says it ordered the bank "and its subsidiary, CareCredit" to refund up to $34.1 million to potentially more than 1 million consumers, saying that, according to the order, since January 2009 consumers who signed up for the card "frequently received an inadequate explanation of the terms" (the release describes enrollment at doctors' and dentists' offices). The release states that about 85 percent of CareCredit borrowers were placed in a deferred-interest plan at 26.99 percent annual interest and that the product was sold by more than 175,000 enrolled providers to about 4 million active cardholders. A later stipulation filed in the same proceeding recites that the respondent "consented to the issuance of a 'Consent Order' dated December 10, 2013" "without admitting or denying any wrongdoing". The CFPB terminated the order in September 2021, stating that the bank "has fulfilled its obligations under the Consent Order, including, among other things, providing at least $34.1 million in redress to affected consumers."

New York Attorney General, Assurance No. 12-103 (2013): GE Capital Retail Bank and CareCredit, LLC. Synchrony's annual report for 2015 says it entered into this Assurance of Discontinuance with the Attorney General for the State of New York on June 3, 2013. The Assurance document (opened October 6, 2026) describes the bank as "formerly known as GE Money Bank" and says both the bank and CareCredit, LLC were then "indirect subsidiaries of General Electric Capital Corporation". It records that after consumer complaints the Attorney General investigated CareCredit's health-care financing; it states that CareCredit "neither admits nor denies" the factual allegations, which include that marketing materials "did not provide consumers with user-friendly explanations" that "26.99% interest would accrue from the date of purchase" if a promotional balance was not paid off in the promotional period, and that CareCredit had issued the card to over 535,000 New Yorkers. It required changes to provider contracts, applications and call-back procedures, and a review and appeal process for New York consumers who had disputed CareCredit charges incurred from January 1, 2008, with reimbursement where the claim was upheld.

CFPB, June 19, 2014 (File No. 2014-CFPB-0007): Synchrony Bank, f/k/a GE Capital Retail Bank. The stipulation says the CFPB intended to proceed against the bank for "deceptive practices relating to the marketing and sale of certain of the Bank's credit card add-on products" and for discrimination on the basis of national origin by excluding customers with "Spanish-preferred" indicators or Puerto Rico mailing addresses from certain credit card offers, and that the bank consented "without admitting or denying any wrongdoing." The CFPB's enforcement page describes an estimated $225 million in relief ($56 million to approximately 638,000 consumers for the marketing practices and $169 million to about 108,000 borrowers excluded from offers). On May 12, 2025 the CFPB terminated the order, stating the bank had provided "at least $259 million in redress" and paid "a civil money penalty of $3.5 million", and that termination was appropriate in light of Executive Order 14281 because the order "relied in part on a disparate impact theory of liability."

Scope of this check. A search of the CFPB's enforcement-actions list for "synchrony" and for "carecredit" on October 6, 2026 returned the two actions above. Synchrony's 2025 annual report says the bank "has entered into two consent orders with the CFPB — in 2013 and 2014, both of which have since been terminated." Web searches on October 6, 2026 for OCC and state attorney-general actions against Synchrony Bank returned the CFPB orders and the New York assurance. The OCC's own Enforcement Actions Search, which says its listings do not necessarily reflect the current status of an order, could not be conclusively searched for Synchrony Bank and its former names during this review, so this page makes no statement about OCC actions. Recent Form 8-K filings reviewed on October 6, 2026 were the July 28, 2026 report, the August 17, 2026 report (Items 2.02 and 9.01, results of operations and exhibits) and the September 14, 2026 report (Item 7.01, furnishing "Monthly Charge-Off and Delinquency Statistics" for the thirteen months ended August 31, 2026); none of them, on its face, describes a new acquisition, settlement, enforcement action or breach. The quarterly report for June 30, 2026 says Synchrony does not believe it is "a party to any pending legal proceeding or regulatory matters that would have a material adverse effect" on its financial condition or liquidity.

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

Corporate structure. Synchrony Financial is a Delaware company with principal offices at 777 Long Ridge Road, Stamford, Connecticut (Form 8-K, July 2026). Its subsidiary Synchrony Bank is, in the annual report's words, "a federally chartered savings association" supervised by the Office of the Comptroller of the Currency and the CFPB; the report lists the Bank's headquarters as Draper, Utah. The FDIC's records for the bank (certificate 27314, established August 1, 1988) show these legal names: Monogram Bank, USA; GE Capital Consumer Card Company (1993); GE Capital Consumer Card Co. (April 3, 2003); GE Money Bank (February 7, 2005); GE Capital Retail Bank (October 1, 2011); Synchrony Bank (June 2, 2014). Synchrony's website says its products have been "serving the needs of people and businesses for nearly 100 years" (a company statement).

Scale and programs (company figures, annual report for 2025). Synchrony reports $182.3 billion of purchase volume in 2025 and, at December 31, 2025, $103.8 billion of loan receivables and 70.7 million active accounts. It describes five sales platforms (Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle) and lists partners including Lowe's, Sam's Club, Amazon, PayPal (including Venmo), QVC Group, Verizon, Walgreens and the CareCredit health and wellness network. It also says it acquired Ally Financial's point-of-sale financing business ("Ally Lending") and that its customer service centers include sites in Altamonte Springs, Florida, Hyderabad, India, and Cebu and Manila, the Philippines.

Why you may owe Synchrony without choosing it. A retailer, a dentist or veterinarian or an online marketplace usually offers the card; the credit is extended by Synchrony Bank, which is why complaints about store cards, CareCredit and PayPal or Venmo credit can all name the same bank. Synchrony's FAQ and card agreement, not the merchant's staff, set the terms.

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

BBB (as displayed on October 6, 2026). The BBB profile for Synchrony (Headquarters), Kettering, Ohio, file of the BBB of Dayton and Miami Valley, says the business is not BBB Accredited and shows a BBB Rating of "Not Rated", with the reason "The business is in the process of responding to previously closed complaints." The complaints tab shows 7,940 total complaints in the last 3 years and 2,785 closed in the last 12 months; the reviews tab shows 1.05 out of 5 from an average of 2,314 customer reviews. BBB lists alternate names including CareCredit, Synchrony Financial, Synchrony Bank, PayPal Credit, Inc., Venmo Credit, Walgreens Dual Card and Ally Lending. The dates in the page data are: file opened April 28, 1999; business started January 1, 1932; incorporated May 18, 1988. Other BBB files for "Synchrony Bank" exist for several cities; they were not combined with this one.

Trustpilot (as displayed on October 6, 2026). The page for synchrony.com is unclaimed and shows 1.4 out of 5 from 86 reviews, 35 of them in the last 12 months; Trustpilot says it does not fact-check reviews. The page for carecredit.com is also unclaimed and showed 1.1 out of 5 from 428 reviews, 167 in the last 12 months. ComplaintsBoard (updated October 6, 2026) showed 1.0 from 26 reviews and 481 complaints. These are consumers' accounts, not findings.

CFPB Consumer Complaint Database (queried on October 6, 2026). Under the company name SYNCHRONY FINANCIAL the database lists 84,505 complaints in total, the first received December 1, 2011 and the latest September 26, 2026, and 16,330 received since October 6, 2025. By product label it lists "Credit card" 29,147, "Credit card or prepaid card" 16,202, "Debt collection" 13,296, "Credit reporting or other personal consumer reports" 11,013, "Credit reporting, credit repair services, or other personal consumer reports" 9,225 and "Checking or savings account" 1,475 (labels have changed over time and are not added together here). The most frequent issue labels are "Incorrect information on your report" 10,213, "Problem with a purchase shown on your statement" 8,276, "Improper use of your report" 7,716, "Fees or interest" 6,445, "Attempts to collect debt not owed" 4,376 and "Getting a credit card" 4,027. Company responses are listed as "Closed with explanation" 57,551, "Closed with non-monetary relief" 13,095, "Closed with monetary relief" 11,695, "In progress" 1,436, "Closed without relief" 376 and "Closed with relief" 250, and the timely-response field shows "Yes" 83,833 and "No" 672. The CFPB does not verify the complaints, and these figures are not combined with the BBB, Trustpilot or archive numbers on this page.

Posts on this site. 1,016 approved posts in this site's archive are linked to this page: 417 name CareCredit and 599 name the bank under a GE name (GE Money Bank, GE Capital Retail Bank, GE Capital Consumer Card Co. or GEMB). They were filed between 2001 and 2014; CareCredit is a subsidiary and card program of the bank, not a former name, and the GE names were the bank's legal names in that period, so the posts do not describe Synchrony Bank's practices after 2014. By keyword match, 438 mention late fees, payments not posted or due dates; 388 mention customer service, repeated calls or an overseas call center; 300 mention deferred interest or a promotional offer; 249 mention dental, medical or veterinary care financed with a CareCredit card; 179 mention a credit report or collection agency; 145 mention fraud, identity theft or an account the writer says was not theirs; and 100 mention a lowered credit limit or a closed account (a post can match several; these are counts of posts that use those words, not findings). A separate group of 56 approved posts from February 2012 to September 2013 name GE Money Bank but describe a caller who claimed to represent the bank and asked for prepaid-card or wire payments in exchange for a promised loan; they are not linked here because they describe an approach by an impersonator, not an account with the bank.

Settlements and judgments involving Synchrony

These are settlements and judgments from the courts' or agencies' own documents; none is a finding that the allegations were proved. Each case is described by what its order says.

Telephone-call class actions. In Neal v. Wal-Mart Stores, Inc. and Synchrony Bank, f/k/a GE Capital Retail Bank (W.D.N.C., No. 3:17-cv-00022, consolidated with Campbell v. Synchrony Bank) the court's Final Judgment and Order of Dismissal, filed March 19, 2021 after a hearing on March 18, 2021, approved a $2,900,000 settlement fund for people to whom Synchrony placed calls to cellular numbers using an automatic telephone dialing system or an artificial or prerecorded voice about a Synchrony account that did not belong to the recipient; the order states the agreement is not "an admission or evidence of any violation". In Lucas v. Synchrony Bank (N.D. Ind., No. 4:21-cv-00070-PPS) the Final Judgment and Order of Dismissal of April 25, 2023 approved a $2,600,000 fund for a class that received prerecorded-voice calls between October 16, 2020 and November 18, 2022 about a Synchrony account that did not belong to them; the order says the settlement is not an admission of liability or wrongdoing.

California district attorneys, 2021. A press release of the San Diego County District Attorney (November 15, 2021) says Synchrony Bank would pay $3.5 million to settle a civil lawsuit brought by a statewide team of district attorneys alleging unreasonable or harassing collection calls to California debtors; the judgment was "entered November 10 in Los Angeles Superior Court" "without admission of wrongdoing" and required $2 million in civil penalties, $975,000 in investigative costs and $525,000 in alternative restitution, plus policies limiting call volume and honoring requests to stop.

Shareholder case. A securities class action brought on behalf of investors against Synchrony Financial and certain executives in the District of Connecticut settled for $34,000,000; the plaintiffs' counsel's case page says the court approved the settlement on August 4, 2023 and entered final judgment on August 7, 2023. It concerned statements to investors about underwriting, not consumer accounts.

Status of other matters. Synchrony's annual report for 2025 and its quarterly report for June 30, 2026 do not describe any specific pending lawsuit, and say the company does not believe it is party to a proceeding or regulatory matter that would have a material adverse effect on its financial condition or liquidity. Other consumer lawsuits against Synchrony may exist that these sources do not list.

Settlement claim status. The Neal order refers to a "March 1, 2021, claim deadline", which has passed. The Lucas final judgment of April 25, 2023 as read on October 6, 2026 does not state a claim deadline in its text. This page does not identify an open claim process for either settlement; for any current claims question, use the contact details in the court documents.

A TCPA suit dismissed by the plaintiff. The Justia copy of the docket in Rene Arias et al. v. Synchrony Bank (C.D. Cal., No. 2:26-cv-03371, filed March 30, 2026, nature of suit Telephone Consumer Protection Act) shows a plaintiff's notice of voluntary dismissal filed May 28, 2026 stating the dismissal is without prejudice. It is an allegation that was withdrawn, not a settlement or a finding; the Justia copy was last retrieved May 28, 2026.

Is Synchrony Legitimate?

Synchrony Financial files reports with the SEC (central index key 1601712; common stock listed on the NYSE as SYF), and its subsidiary Synchrony Bank is a federally chartered savings association supervised by the OCC and the CFPB, with FDIC certificate 27314. The bank operated under the names GE Capital Consumer Card Co., GE Money Bank and GE Capital Retail Bank before 2014. Two CFPB consent orders (December 2013 and June 2014) and a 2013 New York Attorney General assurance are described under Regulator actions; the CFPB terminated the orders in September 2021 and May 2025. BBB, Trustpilot, ComplaintsBoard and CFPB-database figures are under Complaint record, and settlements and judgments under Litigation record. This page makes no overall rating of the company.

Court & Public Records

Company Relationships

• Affiliated with: Synchrony Bank
• Affiliated with: CareCredit LLC
• Affiliated with: Ally Lending (point-of-sale financing business of Ally Financial Inc.)

Frequently Asked Questions