Is "Synchrony Bank" fraud?

• Subscriptions: Many users report charges related to recurring subscriptions, such as streaming services or gym memberships linked to their Synchrony accounts.
• Retail Purchases: Customers frequently mention unexpected charges from various retailers that use Synchrony for financing or payment processing.
• Promotional Offers: Some users have experienced charges from promotional purchases that included terms for monthly payments through Synchrony.
• Auto-Pay Settings: Automatic payments set up for services can lead to regular charges that users may overlook.
• Fees: There are instances of users being charged fees for late payments or other penalties associated with their accounts.
• Fraud or Unauthorized Charges: Discussions often include concerns about fraudulent charges that appear unexpectedly on their statements.
• Free Trials Ending: Several users noted charges occurring after a free trial period ended for services they initially signed up for.

if you see this charge and aren’t expecting it, you have various options.

First, try to contact the servicing.synchrony.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the servicing.synchrony.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with servicing.synchrony.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.