Who is Synchrony Bank? — How to Beat Them in Court
George Simons | January 08, 2025
Co-Founder of SoloSuit George Simons, JD/MBA
George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.
Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.
Summary: If Synchrony Bank sues you, respond promptly to avoid default judgment. Verify the debt, negotiate settlement, and know your rights to protect your rights. Solo can help with all this and more.
Did you receive a lawsuit via certified mail from Synchrony Bank? If you did, it is time to act, not shy away from the suit. The stakes are too high for your credit score and financial future to ignore the lawsuit, hoping it will disappear. Unfortunately, lawsuits do not go away without action.
If you do not respond to a lawsuit filed by Synchrony Bank, they will obtain a default judgment against you. This judgment means that the court will give Synchrony Bank permission to garnish your wages or access your bank accounts.
The good news is that you can respond to the lawsuit and protect yourself from a default judgment. Solo can help you prepare the proper documents and reach a settlement with Synchrony Bank. We are here to help you face debt collectors and find a favorable solution for both consumers and lenders.
Settle debt with Synchrony Bank
You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.
Synchrony Bank provides credit card services for retail stores and online shopping sites. For example, when you apply for a store credit card from Old Navy, DICK'S Sporting Goods, or Guitar Center, you will get a Synchrony Bank credit card with those trade names on the card. The largest online retailer, Amazon, also offers Synchrony Bank credit cards.
So, where did Synchrony Bank come from? Their history is rooted in General Electric (GE). In early 2000, GE reached into the capital, lending, and credit card world with a series of financial companies called GE Capital Retail Bank. However, by 2014, GE Capital Retail had to settle claims for millions of dollars involving illegal credit card practices, including claims filed by the Consumer Financial Protection Bureau and the U.S. Justice Department.
After the settlements, GE Capital Retail Bank rebranded itself as Synchrony Bank.
Currently, Synchrony Bank is a subsidiary of a publicly traded company named Synchrony Financial. It is now one of the largest providers of private-label credit cards in the United States. As mentioned earlier, Synchrony Bank works with retailers to support their credit card programs.
Below is an exhaustive list of the credit cards issued by Synchrony Bank:
ABT Credit Card
Adairs Credit Card
Adorama Credit Card
AEO Inc. Credit Card Account
AEO Inc. Visa Card
Amazon.com Store Card
Amazon Secured Card and Amazon Prime Secured Card
American Car Care Centers Credit Card
American Signature Credit Card
Americas Tires Credit Card
AMI Credit Card Account
Appliance Factory Outlet Credit Card
ASE Synchrony Car Care Credit Card
Ashley Credit Card
At Home Insider Perks Credit Card
At Home Insider Perks MasterCard
Bailey Banks Biddle Credit Card
Bargain Outlet Credit Card
Belk Rewards Card
Belk Rewards MasterCard
BERNINA Credit Card
B&H Payboo Credit Card
Big Sandy Superstore Credit Card
Bjorns Credit Card
Blains Credit Card
Blish Mize Credit Card
BP Credit Card
BP Visa Credit Card
BP Visa Signature Card
Brakes Plus Credit Card
BransMart USA Credit Card
Briggs and Straton Credit Card
Bryant Credit Card
Cabinets to Go Credit Card
CareCredit Credit Card
CareCredit Mastercard
Carpet Barn Credit Card
Carpeteeria Credit Card
Carpet Mill Outlet Credit Card
Carpet One Credit Card
Carstar Credit Card
Carvin Guitars Credit Card
Cathay Pacific Visa Card Account
Cathay Pacific Visa Signature Account
CITGO Rewards Card Account
Conns Credit Card
Continental Tire Credit Card
Cooper Mastercraft Credit Card
Country Home Products Credit Card
Crate and Barrel CB2 Credit Card
Crate and Barrel CB2 Mastercard
Crutchfield Credit Card
Diamonds on Web Credit Card
Discount Tire Credit Card
Drexel Credit Card
Dr. Power Credit Card
eBay Mastercard
EC Barton Credit Card
Ethan Allen Credit Card
EX Eng Credit Card
Express Oil Credit Card
Family Farm and Home Credit Card
Fanatics Credit Card
Ferguson Credit Card
Find Truck Services Credit Card
Fleet Rewards Credit Card
Fleet Rewards Visa Card
Flooring America Credit Card
Four Mine Credit Card
Fred Meyer Littman Credit Card
Furniture Row Credit Card
Furniture World IN Credit Card
Furniture World PA Credit Card
Gap Inc. Credit Card
Gap Inc. Visa Card
GECAF Credit Card
Generac Credit Card
Goedekers Credit Card
Google Store Credit Card
Grand Credit Card
Guitar Center Account
Hannoush Jewelers Credit Card
Harbor Freight Tools Account
Havertys Credit Card
Haynes Credit Card
Horizon Services Credit Card
House Hasson Credit Card
HSN Card Account
Hudsons Credit Card
Husqvarna Credit Card
International Diamonds Center Credit Card
Invicta Stores Center Credit Card
Jabaras Credit Card
JCPenney Credit Card
JCPenney Mastercard
Jiffy Lube Credit Card
Johnny Janosik Credit Card
JTV Credit Card
Kauffman Tire Credit Card
La-Z-Boy Credit Card
Lenovo Credit Card
Lenox Credit Card
LensCrafters Credit Card
L Fish Credit Card
Lowe’s Advantage Credit Card
Lumber Liquidators Credit Card
Luxury Virgin Islands Credit Card
Maaco Credit Card
Mathis Credit Card
Mattress Discounters Credit Card
Mattress Firm Credit Card
Mavis Tired Credit Card
McCoys Credit Card
Meineke Credit Card
Merlins Credit Card
Metro Mattress Credit Card
Midas Credit Card
Mitsubishi Credit Card
Mobile Productivity Credit Card
Mohawk Credit Card
Moran Industries Credit Card
Morris Credit Card
My Home Renovations Credit Card
MyWalgreens Credit Card
MyWalgreens Mastercard
Namm Account
Nautilus Credit Card
NCI Brakes Credit Card
Newegg Credit Card
Nissan Visa Card
Nissa Visa Signature Card
Olejo Credit Card
Onecall Credit Card
OneTravel or CheapOAir Credit Card
OneTravel or CheapOAir Visa Card
One Travel or CheapOAir Visa Signature
P66-Conoco-76-P66 Aviation Credit Card
Payne Credit Card
PayPal Cashback Mastercard
PayPal Credit Account
PayPal Extras MasterCard
PC Richard & Son Credit Card
Pearl Credit Card
Pep Boys Credit Card
Phillips 66 Commercial Credit Card
Pieratts Credit Card
Pierce Floording Credit Card
Preferred Jewelers Credit Card
QVC Credit Card
Rakuten Visa Platinum Credit Card
Rakuten Visa Signature Credit Card
Reeds Jewelers Credit Card
Regency Credit Card
Rooms to Go Credit Card
Sam Ash Account
Sam Kinnarids Credit Card
Sam’s Club Credit Card
Sam’s Club Mastercard
ScoreRewards Credit Card
ScoreRewards Mastercard
SEE Eyeware Credit Card
Service Experts Credit Card
Sewing Machines Credit Card
SGI Credit Card
Shaw Floors Credit Card
Sheelys Credit Card
ShopHQ Credit Card
Sleep County Credit Card
Sleep Experts Credit Card
Sleep Number Credit Card
Sony Store Credit Card
Specialized Bicycles Credit Card
Sport Retail Credit Card
Star Lumber Credit Card
Store 5a Credit Card
Summit Racing Credit Card
Sunglass Hut Credit Card
Sutherlands Account
Sweetwater Sound Account
Synchrony Care Care Credit Card
Synchrony Home Credit Card
Synchrony Plus World Mastercard
Synchrony Preferred Mastercard
Synchrony Premier World Mastercard
System Payers Credit Card
Tappers Credit Card
Techron Advantage Credit Card
Techron Advantage Visa Credit Card
The Container Store Account
The Number Credit Card
Thomasville Credit Card
Tire Discounters Credit Card
Tires Pros Credit Card
Tirerama Credit Card
Tivol Credit Card
TJX Rewards Credit Card
TJX Rewards Platinum Mastercard
Town Fair Tires Credit Card
Truckers Preferred Synchrony Car Care Credit Card
United Hardware Home Hardware Account
Value City Credit Card
Varsity Dealers Credit Card
Venmo Visa Credit Card
Venmo Visa Signature Card
Verizon Visa Account
Verizon Visa Signature Account
Vintage King Credit Card
Virginia Furniture Credit Card
Westrich Credit Card
Westrick Credit Card
WG&R Furniture Credit Card
Worlds of Floors Credit Card
Yamaha Music Credit Card
York Credit Card
Zuliliy Credit Card
When you receive an email, voicemail, or call from Synchrony Bank, ask for more information about the debt in question. It could be a genuine debt from these companies. Choosing to ignore their attempts to collect can and does result in Synchrony filing a lawsuit.
Access your Synchrony card agreements to get more details on your specific contract with Synchrony Financial.
Read Synchrony Bank reviews online
Reading Synchrony Bank reviews from other consumers can help you understand more about the mindset of Synchrony and develop a strategy for negotiating with them. Visit the links below to explore what other consumers have to say:
Synchrony is not rated by the Better Business Bureau, but you can find Synchrony Bank reviews from other consumers.
Yes, Synchrony Bank sues for credit card debt. If you’ve opened a line of credit and defaulted on your payments with any of the businesses listed above, there is a good chance that Synchrony Bank collections will start contacting you. If no payment is made to collections, and you fail to work out a settlement agreement, you’ll probably be taken to court.
If Synchrony is suing you, the first step is to respond to the lawsuit with an Answer. This response lets Synchrony Bank know you are willing to proceed with the legal process, but they must prove you owe the debt.
You may be aware that you have not paid your Old Navy card invoices. So, you might conclude that "they have me dead to rights," and thus, the only thing you can do is ignore the paperwork because you don't have money for a lawyer. That feeling is completely understandable, but a bad idea.
Ignoring Synchrony Bank's attempts to collect its debt is not the best move. You may be surprised to discover that many people who respond correctly to a credit card debt lawsuit get the debt removed because the credit card company could not prove its case.
That is why you are better off responding to a lawsuit. Sending an Answer does not mean you are committing to paying the debt. You are only expressing your interest in seeing the information Synchrony Bank has to prove that you owe the debt. Filing an Answer is the first step in defending yourself, and SoloSuit makes it easy.
Consumers sued for credit card debt often represent themselves in court because hiring an attorney can be cost-prohibitive. You do not need a lawyer to handle your case with SoloSuit's legal documents available. The crucial thing is to understand the requirements and the deadline for your response. Typically, you have about 14–30 days (depending on the state) to file your Answer.
When you file an Answer, you can admit or deny all the allegations in the lawsuit and assert your affirmative defenses. Thus, the three things you need to worry about when filing an Answer are:
Address every allegation in the Complaint document by admitting or denying allegations as outlined in the Synchrony bank lawsuit.
Assert affirmative defenses: Make sure you assert whatever defenses you have to the lawsuit. Such defenses include: the credit card was not in your name, you have already paid the debt, the company already forgave the debt, or the company is too late in suing you (i.e., the lawsuit was filed after the statute of limitations).
File the Answer with the court on time: Ensure that you mail the Answer to the appropriate court within the time allotted.
Those three steps might seem daunting because you may not have heard the term "affirmative defense" or "statute of limitations" before, but that is where you can easily get the help of SoloSuit. Check out this video to learn more about these three steps:
SoloSuit makes it easy to respond to a debt collection lawsuit. SoloSuit is a step-by-step web app that will ask you all the necessary questions to complete your Answer to a lawsuit. Afterward, you can print the completed forms and mail the hard copies to the courts. You can also pay SoloSuit a small fee to have an attorney review the document and file it with the courts.
It is crucial to remember that a lawsuit doesn’t end when you file an Answer. The Answer protects your right to continue the lawsuit, but you will still be responsible for keeping track of the lawsuit, filing the appropriate responses, and showing up for court dates until the debt is settled or otherwise resolved.
Settle a debt with Synchrony Bank.
Solo provides a tool called SoloSettle to help you reach an amicable settlement with a debt collector. SoloSettle will ask a series of questions to help you formulate your initial settlement offer.
It is always better to settle a debt before a creditor files a lawsuit. However, if Synchrony has already filed a lawsuit against you, it’s not too late to negotiate a settlement. These three steps give you the best chance of settling the debt and ending the lawsuit.
Review the debt. Confirm that the total amount owed to Synchrony Bank matches your records and that the specific details about the account are accurate. You can send a Debt Validation Letter, which requires Synchrony to respond with information about the debt.
Negotiate the terms of the settlement with Synchrony Bank using SoloSettle to keep track of all correspondence.
Once you’ve reached an agreement, make sure you get that in writing. SoloSettle can help craft a Settlement Agreement outlining how much you will pay to settle the debt.
Pay the settlement as outlined in your agreement.
Once you’ve made the payment, monitor your court case and credit reports to ensure that Synchrony Bank drops the lawsuit and reflects the settlement on your credit report.
To learn more about these 5 steps and get attorney tips on how to settle debt, watch this video:
Synchrony Bank has its own debt collection department, commonly referred to as Synchrony Financial's in-house collections and billing department. They do not typically hire outside collection agencies to follow up on their debt.
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair debt collection practices. Know your rights and report any unfair practices to the FTC, CFPB, and your state’s attorney general’s office.
Do Synchrony Bank credit agreements have an arbitration clause?
Yes, most credit card issuers have a mandatory arbitration clause that allows consumers to force a debt lawsuit out of court and into arbitration. This credit card agreement is stipulated in each Synchrony Bank contract, which you can access on the CFPB website’s Synchrony credit card agreement database.
Credit card companies permit consumers to take disputes into a private panel, also known as arbitration, instead of proceeding to court. The reason given for this decision is to avoid lengthy court processes, but consumer advocates believe it is designed to protect credit card companies from wrongdoing.
A CFPB study on arbitration confirmed this position. They found that consumers lose more than they win in these private hearings. The process also lacks an appeal provision, and the companies are not required to enforce any consumer protection laws.
So, if your Synchrony credit card agreement includes an arbitration clause, you should consider filing a Motion to Compel Arbitration into your Synchrony lawsuit. This will force Synchrony to resolve the dispute through arbitration.
Watch this video to learn more about how to file a motion to compel arbitration if you’ve been sued by Synchrony Bank:
Synchrony Bank class-action lawsuit
Synchrony Bank recently allowed consumer class-action lawsuits to progress after accepting responsibility for long-standing complaints raised against them. Synchrony Bank's class-action lawsuit allows consumers to be paid what they are owed for the suffering and damages they incurred as their customers. Synchrony Bank's class-action lawsuit compensation method states that each consumer who sues will receive a reasonable percentage of the total money owed to Synchrony Bank.
Synchrony Bank came to this decision after the Fair Trade Commission (FTC) became involved when they received many complaints from consumers of mistreatment. Particularly, consumers were regularly receiving annoying robocalls and talking to rude representatives. FTC sued Synchrony Bank collections to hold them accountable and ensure other customers are not mistreated.
A Synchrony Bank class action lawsuit filed in 2021 received a victorious ruling. California debtors' complaint was that they were receiving frequent harassing calls from Synchrony Bank collections. The case ended on November 9, and Los Angeles Judge Rupert A. Byrdong ordered Synchrony Bank to pay $3.5 million.
The comforting news is that you can also sue Synchrony Bank in small claims courts, but ensure you have a strong case against them. The difference between small claims courts and other civil courts is that there's a limit to the amount of money you can receive for damages. Depending on your state, the maximum monetary compensation ranges from $2,500 to $20,000.
It is important to remember that Synchrony Bank is a large business with millions in assets. Before deciding to take them on in an adversarial action, make sure you have the documentation to support your allegations. However, if Synchrony hasn’t violated the law, and the debt is legitimate, an amicable settlement process may be your best bet for resolving the problem.
How can I remove Synchrony Bank from my credit report?
A debt entry by Synchrony Bank collections can harm your credit score for seven years if you do not plan to have it removed. Companies trust Synchrony Bank, and a negative report from them could reduce your chances of getting a new line of credit, a personal loan, or a mortgage. You can take action to have the debt removed from your credit report:
Send a debt validation .letter to Synchrony Bank to have them verify the debt belongs to you. If they cannot verify the debt, they should remove it from your credit report.
If you still have questions about the debt, investigate and dispute the debt with TransUnion, Equifax, and Experian. They will consult with Synchrony Bank and remove the debt from your report or correct the inaccurate sections.
Request for a pay-for-delete agreement: Such an agreement means that Synchrony Bank commits to deleting the debt from your credit report once you pay the agreed amount.
Ask for goodwill deletion: Synchrony Bank has no legal obligation to delete the debt after you pay; they are only required to change the status from unpaid to paid. Having a paid status is better than an outstanding debt, but it still reduces your credibility. Politely ask them to remove the entire entry from your credit report.
Work out an agreement with Synchrony Bank
Many large creditors, including Synchrony Bank, may file lawsuits, hoping that consumers will fail to respond and they will win by default. When you don’t respond to a lawsuit, you also remove their burden for proving their case. That is why you should let SoloSuit help you respond to the Synchrony Bank lawsuit today. You have a way to fight back – and you can easily do it with the help of SoloSuit.
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