Synchrony Bank Phone Harassment? stop the Robocalls

Are you getting calls from Synchrony Bank? Whether it’s a store card, CareCredit, or another retail account, consumers often report unwanted calls such as robocalls, wrong-number dialing, and repeated contact after requests to stop. Federal law regulates this type of collection activity and sets limits on how and when banks and their agents can contact you.

If automated calls are disrupting your day, our guide to managing unwanted robocalls explains general call-screening and blocking options you can consider.

Consumer Rights Law Firm PLLC has been stopping creditor and debt collector harassment since 2010. A+ BBB rated. Call (877) 700-5790 or visit our website for a free case review. You pay nothing. If Synchrony Bank broke the law, they pay our fees.

Quick Facts About Synchrony Bank

Are the Calls From Synchrony Bank Legal?

Synchrony Bank has a legal right to contact you about a delinquent account. But as the country’s largest private-label credit card issuer, with 68.1 million active accounts, a complaint record spanning thousands of BBB filings, and a litigation history that includes multiple TCPA class action settlements totaling tens of millions of dollars, the gap between what Synchrony is allowed to do and what consumers report it actually does is well-documented in federal courts.

Here are the specific situations where the calls may be illegal:

• Automated calls to your cell phone without your consent.
• Automated calls that continue after you revoke consent.
• Calls to wrong numbers.
• Calls before 8:00 a.m. or after 9:00 p.m.
• Collection contact that continues after a written cease-and-desist.

Who Is Synchrony Bank and Why Are They Calling?

Synchrony Bank is the largest private-label credit card issuer in the U.S., providing store and healthcare credit cards through brands like Amazon Store Card, Lowe’s, PayPal Credit, CareCredit, and many others.

Although the card may display a retailer’s name, Synchrony is the actual bank responsible for billing, payments, and collections. It may contact consumers directly for missed payments, disputes, deferred-interest balances, wrong-number calls, or charged-off accounts, and may also sell debts to third-party collectors.

A common issue involves deferred interest, where consumers believe they are making regular progress on a balance but later face a significantly increased amount due to retroactive interest charges after promotional periods end.

Also read what to do about robocalls tied to a specific store credit card.

Is Synchrony Bank a Scam or a Legitimate Company?

Synchrony Bank is a legitimate FDIC-insured bank and the largest private-label credit card issuer in the United States, regulated by the FDIC, CFPB, and other financial authorities.

However, legitimacy does not mean its practices are free from legal issues. The CFPB has previously taken enforcement action related to its predecessor GE Capital Retail Bank, and Synchrony has faced multiple TCPA class actions involving automated calling practices, along with extensive consumer complaints and litigation over billing and collection practices.

In short, while Synchrony is a regulated bank, its collection and marketing practices have still been subject to regulatory scrutiny and consumer lawsuits.

BBB Complaints: What Consumers Are Actually Reporting

Source: Better Business Bureau

The Better Business Bureau profile for Synchrony shows 8,075 total complaints in the last three years and 2,680 closed in the last 12 months. The company is not BBB Accredited. Here are three verified complaints from the live BBB complaints page, in consumers’ own words.

Consumer Reviews Across Platforms

Synchrony Bank’s consumer review record across major platforms is among the most consistently negative of any major bank in the United States.

Source: Trustpilot

At Trustpilot, Synchrony Bank holds a low rating across 1,860 reviews. One reviewer wrote in 2026:

“Worst customer service ever everyone plays pass along almost impossible to access account my terms was up with $1,200 left they add $2,800 in December been paying hundreds…”

Source: ConsumerAffairs

At ConsumerAffairs, verified reviews from 2025 and 2026 describe a consistent pattern. One reviewer wrote in June 2025 about CareCredit:

“I made a final payment on June 10, 2025, to completely pay off and close my CareCredit account with Synchrony Bank, the representative confirmed my account would be paid in full and closed. Weeks later, I received a new charge of $156.74. When I called for clarification, a representative named Sandra was rude and dismissive, telling me that interest would continue even after the account was closed.”

Another ConsumerAffairs reviewer wrote about the payment processing experience:

“I paid my account in full back in October of 2025, Synchrony Bank was still charging interest on a zero account balance, reported it to my credit, caused my credit score to drop.”

Source: WalletHub

At WalletHub, reviewers specifically describe credit limit cuts on accounts with clean payment records and accounts closed without notice, causing significant credit score damage. One WalletHub reviewer wrote in June 2026:

“They will close your account without notice or warning. I had their Mastercard as one of my main cards, the one that replaced the eBay card. Everything was fine on my end, and then they suddenly closed it.”

Source: ComplaintsBoard

At ComplaintsBoard, Synchrony Bank has hundreds of documented complaints. One reviewer wrote about CareCredit in 2025:

“I took a CareCredit card out two years ago for dental work. I woke up today with a $900 interest charge on my CareCredit account. I called to see what that was about and they told me I signed for some promotional purchase which I didn’t, they refused to take the interest charge off and said if I paid $451 today then they would take it off, this seems illegal to me and wrong. They refused to fix this and the customer representatives were awful so now it’s a 32.99 interest rate that they’ve slapped on my account.”

Federal Lawsuits Filed Against Synchrony Bank

Synchrony Bank has been a defendant in multiple federal consumer protection class actions. These are verified cases from public court records.

Source: CourtListener

Abdeljalil, et al. v. GE Capital Retail Bank

TCPA Class Action Against GE Capital Retail Bank (Synchrony) (2012–2016): Plaintiffs alleged they received repeated robocalls to cell phones without consent, including continued calls after consent was revoked and calls to wrong or reassigned numbers. The case was settled for $7 million in 2016 with court approval, with no admission of wrongdoing.

Key takeaway: The case involved alleged unauthorized automated calling practices, but settlement does not establish ongoing liability or guarantee similar conduct in later years, as each case depends on its own facts and time period.

Source: Justia

Lucas, et al. v. Synchrony Bank

Synchrony TCPA Class Action (2021–2023): A federal lawsuit alleged Synchrony Bank used prerecorded or automated calls to contact consumers about accounts that did not belong to them without proper consent. The case was settled for $2.6 million, with court approval granted in 2023 and payments distributed to eligible class members.

Key takeaway: The case addressed alleged wrong-number or non-consensual automated calls, and while it resulted in a settlement, it did not include any admission of wrongdoing. Individual TCPA claims may still be evaluated separately based on specific call records and circumstances.

Your Full Legal Rights When Synchrony Bank Is Calling You

• TCPA (Telephone Consumer Protection Act): Applies directly to Synchrony Bank as an original creditor. It restricts automated and prerecorded calls to cell phones without prior consent. Consumers may revoke consent at any time, and violations may result in $500 to $1,500 in statutory damages per illegal call.
• FDCPA (Fair Debt Collection Practices Act): Applies to third-party collection agencies collecting Synchrony accounts, requiring compliance with debt validation rules, calling restrictions, cease-and-desist requests, and prohibitions on deceptive or abusive collection practices.
• FCRA (Fair Credit Reporting Act): Protects consumers from inaccurate credit reporting, including incorrect balances, delinquency dates, or account status. Credit furnishers must investigate disputes within 30 days.
• California Rosenthal Fair Debt Collection Practices Act: Extends FDCPA-like protections to original creditors such as Synchrony Bank, giving California consumers additional rights against unlawful collection practices.
• Connecticut Consumer Protection (CUTPA): Connecticut consumers may have additional remedies under the Connecticut Unfair Trade Practices Act for unfair or deceptive collection or credit-related practices.

Synchrony Bank TCPA and FDCPA Violations

What To Do Next: 5 Steps to Stop Synchrony Bank Phone Harassment

Step 1: Start a call log right now. Every call, every time. Record the date, exact time, the number that appeared on your screen, whether it was a live person or a prerecorded message, what the recording or representative said, and whether any representative identified themselves. Do not delete voicemails. Screenshot them and email them to yourself. The pattern and volume of calls, documented precisely, is the foundation of any legal claim. If automated calls are involved, the exact count matters because TCPA damages run per call.

Step 2: Revoke consent for automated calls in writing. Send a written notice by certified mail to Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, stating clearly that you revoke any prior express consent you may have given for Synchrony Bank to contact your cell phone using automated dialing systems, prerecorded messages, or artificial voice technology. This is separate from a cease-and-desist on the debt itself. Keep your certified mail receipt. Once they confirm delivery, every subsequent automated call to your cell may be an independent TCPA violation.

Step 3: If a third-party collector is involved, send a debt validation letter. Within 30 days of first contact from a collector pursuing a Synchrony balance, demand written validation of the debt. This must include the name and original amount of the debt, the name of the original creditor, and documentation of the ownership chain. All collection activity must stop until written validation is provided. Certified mail only. Keep the receipt.

Step 4: If a third-party collector is involved, send a cease-and-desist letter if calls are excessive or threatening. Under FDCPA §805(c), once the collector confirms receipt, they may only contact you to confirm they are stopping or to notify you of specific legal action. Every subsequent call is an individual, documentable violation. If Synchrony itself is calling directly and you have revoked TCPA consent, that revocation serves a similar function for automated calls.

Step 5: File complaints and call a consumer attorney. File with the FTC. File with the CFPB. File robocall complaints with the FCC. Then call Consumer Rights Law Firm PLLC at (877) 700-5790 or visit our website for a free case review. If Synchrony Bank or a collector pursuing a Synchrony balance violated federal law, the applicable statutes provide for fee-shifting. You pay nothing.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Synchrony Bank harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from Synchrony Bank, call us at (877) 700-5790 for immediate assistance or visit our website.

Success Stories

• I had been dealing with harassing calls from a debt collection agency for months. They would call multiple times a day, even on weekends, and sometimes leave threatening voicemails. I was overwhelmed and didn’t know what to do. That’s when I found Consumer Rights Law Firm PLLC. From the first phone call, their team made me feel like I wasn’t alone. They explained my rights under the FDCPA and took immediate steps to protect me. The calls stopped within a few weeks, and they even helped me pursue compensation. I can’t thank them enough for the peace of mind they gave me.
• I contacted Consumer Rights Law Firm PLLC after I started receiving repeated robocalls from a debt collection company. I was skeptical at first—how much could a law firm really do for someone like me? But they blew me away. Not only were they professional and courteous, but they explained the legal process in a way that was easy to understand. They kept me updated, answered all my questions, and never made me feel like just another case number. Within a few weeks, the robocalls stopped completely, and I even received a small settlement. They truly fight for your consumer rights.
• I hired Consumer Rights Law Firm PLLC to help me deal with an agency that was harassing me over a debt I didn’t even owe. The legal team was very knowledgeable and took my concerns seriously. While it did take a few months to resolve everything, the outcome was what I had hoped for—no more calls, no more stress, and the record was corrected. I appreciated how patient and empathetic the attorneys were throughout the process. I highly recommend them, especially if you’re feeling overwhelmed by aggressive debt collectors.

FAQs

Why is Synchrony Bank calling me repeatedly?

Synchrony Bank may be calling about a missed or overdue payment on a credit account. If the calls are persistent or automated, it could become harassment under federal law.

Is Synchrony Bank allowed to use robocalls?

They can use robocalls only if you gave prior consent. If you didn’t authorize them and they continue calling, it may violate the Telephone Consumer Protection Act (TCPA).

Can I stop Synchrony Bank from harassing me with phone calls?

Yes, you can send a written request asking them to stop calling. If they ignore your request, you can report them to the FTC or take legal action.

Can I sue Synchrony Bank for phone harassment?

Yes, if Synchrony Bank violates your consumer rights through excessive or unauthorized calls, you may be entitled to sue and recover financial damages.

Does Synchrony Bank phone harassment violate any laws?

Yes, harassment by phone can violate the FDCPA and TCPA, especially if calls are excessive, threatening, or automated without consent.

How can I prove that Synchrony Bank is harassing me?

Keep a detailed call log with dates, times, and content of each call. Screenshots and voicemails can serve as valuable evidence if you decide to take legal action.

What kind of damages can I recover if I sue Synchrony Bank?

You may be eligible for up to $1,500 per call under the TCPA and additional damages under the FDCPA if they used illegal tactics to collect debt.

Does Synchrony Bank report to credit bureaus?

Yes, missed or delinquent payments may be reported, affecting your credit score. If the information is inaccurate, you have the right to dispute it with the credit bureaus.

Other Phone Numbers Synchrony Bank May Use