Who is Synchrony Bank? — How to Beat Them in Court

George Simons

June 02, 2022

Synchrony Bank is like ^^

Summary: If you've been sued for a debt by Synchrony Bank, use SoloSuit to respond in just 15 minutes and win your lawsuit.

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 certified letter from 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 you have a strong chance of winning if you prepare for court using the proper documents. A favorable judgment ensures the lawsuit is dealt with, and you can work on improving your credit score.

This article will discuss Synchrony Bank and the tactics they use to get you to pay your credit card debt, and how you can fight back against a lawsuit they may have filed. If you have questions about how to effectively respond to a Synchrony Bank lawsuit once you finish reading, contact us at SoloSuit. We are here to help people with debt to face debt collectors.

SoloSuit makes it easy to win a debt collection lawsuit.

Who is Synchrony Bank?

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 in the millions of dollars for illegal credit card practices, including claims filed by the Consumer Financial Protection Bureau and the U.S. Justice Department.

Since GE Capital Retail Bank's name was tainted by its unscrupulous activities, it re-branded by changing its name to 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 earlier mentioned, Synchrony Bank works with retailers to support their credit card programs.

Below is an exhaustive list of the credit cards issued by Synchrony Bank:

  • AEO Inc. Credit Card
  • AEO Inc. Visa Card
  • Amazon.com Store Card
  • Amazon Secured Card and Amazon Primen Secured Card
  • At Home Insider Perks Credit Card
  • At Home Insider Perks MasterCard
  • Belk Rewards Card
  • Belk Rewards MasterCard
  • BP Credit Card
  • BP Visa Credit Card
  • BP Visa Signature Card
  • CareCredit Credit Card
  • CareCredit MasterCard
  • Cathay Pacific Visa Card
  • Cathay Pacific Visa Signature Card
  • Crate and Barrel CB2 Credit Card
  • Crate and Barrel CB2 MasterCard
  • eBay MasterCard
  • Fleet Rewards Credit Card
  • Fleet Rewards Visa Card
  • Gap Inc. Credit Card
  • Gap Inc. Visa Card
  • Google Store Credit Card
  • Harbor Freight Tools
  • HSN Card
  • JCPenney Credit Card
  • Lowe's Advantage Credit Card
  • MyWalgreens Credit Card
  • MyWalgreens MasterCard
  • Nissan Visa Card
  • Nissan Visa Signature Card
  • OneTravel or CheapOair Credit Card
  • OneTravel or CheapOair Visa Card
  • OneTravel or CheapOair Visa Signature Card
  • PayPal Cashback MasterCard
  • PayPal Credit
  • PayPal Extras MasterCard
  • QVC Credit Card
  • Rakuten Visa Platinum Credit Card
  • Rakuten Visa Signature Credit Card
  • Sam's Club Credit Card
  • Sam's Club MasterCard
  • ScoreRewards Credit Card
  • ScoreRewards MasterCard
  • ShopHQ Credit Card
  • Synchrony Plus World MasterCard
  • Synchrony Preferred MasterCard
  • Synchrony Premier World MasterCard
  • TJX Rewards Credit Card
  • TJX Rewards Platinum MasterCard
  • Venmo Visa Credit Card
  • Venmo Visa Signature Card
  • Verizon Visa
  • Verizon Visa Signature
  • Zulily 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. Let's discuss this further.

Does Synchrony Bank sue for credit card debt?

The first step is to respond to the lawsuit with an Answer. This response lets Synchrony Bank know that you are willing to proceed with the legal process, but they have to prove you owe the debt.

You could 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.

SoloSuit makes it simple to respond the right way.

How do I respond to the Synchrony Bank lawsuit?

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 you can assert your affirmative defenses. Thus, the three things you need to worry about when filing an Answer are:

  1. Address every allegation: by admitting or denying allegations as outlined in the Synchrony bank lawsuit.
  2. 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).
  3. Mail the Answer to 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. In this video, George Simmons gives you tips on how you can win your lawsuit.

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.

Check out this video for even more helpful tips that will help you win a debt colletion lawsuit against Synchrony Bank:

What collection agency does Synchrony Bank use?

Synchrony Bank has its own debt collection department, commonly referred to as Synchrony Financial's in-house collections and billing department. They do not hire collection agencies to follow up on their debt. You would expect fewer complaints since they collect their own debt, but Synchrony Bank collections have numerous complaints against them on various platforms. The table below gives you some examples:

Complaints Against Synchrony Bank Collections

Complaint Platform

Number of Complaints
as of 2022

Consumer Financial Protection Bureau

2,757

Better Business Bureau

979

Complaints Board

209

Ripoff

156

Complaints raised against Synchrony Bank debt collection range from unfair late fees charges, contacting consumers for a debt they already cleared, refusing to remove a false debt from the credit report, and speaking to unprofessional agents.

An example of a complaint is Jan N, who wrote on BBB that Synchrony Bank collections closed her account without warning but continued charging interest and late fees. In addition, their Paypal credit online platform hid late fees charges, and she had no idea they were being charged for months. Even after paying $960 of $1080 to settle the balance, she was still charged $63 as interest.

If you have been a victim of these bad business practices from Synchrony Bank collections, Report them to FTC, CFPB, and your attorney general's offices.

Do Synchrony Bank credit agreements have an arbitration clause? 

Yes, most credit card issuers have a mandatory arbitration clause that prevents consumers from suing them. This credit card agreement is stipulated in the Synchrony Bank contract, which you can access the document on the CFPB website. Even better, here is a video showing you how to access your arbitration agreement document.

Credit card companies permit consumers to take disputes into a private panel they have chosen 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.

The comforting news is that you can sue Synchrony bank in small claims courts, but ensure you have a strong case against them. The difference between small claims court and other civil courts is that there's a limit to the amount of money you can receive for damages. The maximum monetary compensation ranges from $2,500 to $20,000, depending on your state.

Watch this video to learn more about how to beat Synchrony Bank through arbitration:

Synchrony Bank class-action lawsuit

Synchrony Bank recently allowed class-action lawsuits by consumers to progress after accepting to take 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.

Since its inception in 2014, many consumers have sued Synchrony Bank, and a majority have won these class-action lawsuits. An example of a Synchrony Bank class-action lawsuit 2020 was from Gap Inc and Banana Republic credit card holder, who claimed that his reward points were unlawfully deleted after replacing his card. The plaintiff said they were misled by the unfair and deceptive marketing of the card company, and they would not have signed up for the card if they knew Gap would wipe out his reward points.

Another Synchrony Bank class action lawsuit 2021 that got a victorious ruling was filed by California debtors whose 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.

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 or personal loan. 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 question 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, but it still reduces your credibility. Politely ask them to remove the entire entry from your credit report.

Don't let Synchrony Bank take advantage of you

Synchrony Bank may file a lawsuit hoping that you will fail to respond. That way, they do not have to prove their case. Yet, whenever they are asked to prove their case, they often do not have the documentation to back up their allegations. 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.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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