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Synchrony Customer Service Phone Number: Bank, Cards, Fraud & Disputes

Synchrony is a consumer financial services company offering retail credit cards, branded store cards, CareCredit, Synchrony Bank savings products, Pay Later loans, secured installment loans, business financing, commercial credit cards, healthcare financing, and partner financing programs. Customers may need Synchrony support for account access, payments, credit card billing, disputes, fraud, unauthorized charges, savings accounts, CDs, money market accounts, retail card issues, Pay Later plans, CareCredit, credit reporting, business accounts, or complaints.

If you are looking for the Synchrony customer service phone number, use the number that matches your account type. Synchrony Bank savings customers can call 1-866-226-5638. Synchrony says retail credit card customers should use the Find Account tool or the phone number shown on their card, statement, or online account. If you are not sure which department to call, Synchrony lists 1-866-419-4096 as a general support path.

How to Contact Synchrony Customer Service

Synchrony General Support / Not Sure Which Department: 1-866-419-4096
Synchrony Bank Savings Products: 1-866-226-5638
Synchrony Bank International Customers: 1-937-534-3624
Synchrony Bank Automated Telephone Service: Available 24/7
Synchrony Bank Live Banker Hours: Monday-Friday, 8:00 a.m. to 10:00 p.m. ET; Saturday-Sunday, 8:00 a.m. to 5:00 p.m. ET

Retail Credit Cards: Use Synchrony’s Find Account tool, your card, your statement, or your online account for the correct card-specific support number
CareCredit Account Management: 1-866-893-7864
CareCredit Applications: 1-800-677-0718
Synchrony Pay Later – Pay in 4: 1-855-945-3576
Synchrony Pay Later – Pay Monthly: 1-844-373-4960
Synchrony Secured Installment Loans: 1-866-220-9432
Fraud or Identity Theft: 1-866-834-3205
Existing Synchrony Fraud Case: 1-866-412-7866
Business Accounts – Existing Partners: 1-800-333-1082
Business Accounts – Prospective Partners: 1-866-838-0655
CareCredit Enrolled Providers: 1-800-859-9975
CareCredit Provider Enrollment: 1-800-300-3046
Synchrony Contact Page: Synchrony Contact Us
Synchrony Bank Contact Page: Synchrony Bank Contact Us
Find Your Synchrony Account: Synchrony Find Account
Register a Synchrony Credit Card: Register Your Account
Synchrony Bank Login: Synchrony Bank Sign In
Retail Card Login: Synchrony Consumer Center
Synchrony Mastercard Login: Synchrony Mastercard Account Access
Fraud Protection: Synchrony Fraud Protection
Credit Card FAQs: Synchrony Credit Card FAQs
Synchrony Bank FAQs: Synchrony Bank FAQs
Website: Synchrony.com
Synchrony Financial Corporate Office: Synchrony Financial, 777 Long Ridge Road, Stamford, CT 06902
Synchrony Bank Address: Synchrony Bank, 170 West Election Road, Suite 125, Draper, UT 84020

Synchrony Bank Regular Mail: Synchrony Bank, P.O. Box 669802, Dallas, TX 75266-0955
Synchrony Bank Overnight Mail: Synchrony Bank, 3000 Kellway Drive, Suite 120, Carrollton, TX 75006

Important Note About Synchrony Bank vs. Synchrony Credit Cards

Synchrony uses different support routes for different products. The phone number 1-866-226-5638 is for Synchrony Bank savings products such as high-yield savings, CDs, money market accounts, IRAs, trusts, and related banking support. It is not the best universal phone number for all Synchrony retail credit cards.

If your issue involves a Synchrony retail credit card, store card, Synchrony Mastercard, CareCredit card, business account, Pay Later loan, or secured installment loan, use the account-specific portal, the phone number on your statement or card, the Synchrony Find Account tool, or the specific phone numbers listed above.

Best Way to Reach Synchrony by Issue

Synchrony Bank Savings, CDs, Money Market, IRA, or Trust Accounts

For Synchrony Bank savings products, call 1-866-226-5638. Automated telephone service is available 24/7. Live bankers are available Monday-Friday from 8:00 a.m. to 10:00 p.m. ET and Saturday-Sunday from 8:00 a.m. to 5:00 p.m. ET. IRA, trust, and business teams may not be available on weekends.

Retail Credit Cards and Store Cards

For Synchrony retail credit cards such as store-branded cards, use the Synchrony Find Account tool, the card-specific login page, your billing statement, or the phone number on the back of your card. Synchrony handles many retailer cards, and the correct phone number can vary by brand, account type, and card program.

Payments and Online Account Access

For payments, payment posting, online account access, autopay, registration, paperless statements, username or password problems, or “pay without sign in,” start with the account portal tied to your specific Synchrony account. Do not send payment information through unsecured email or public comments.

Billing Disputes and Transaction Questions

For billing disputes, incorrect charges, duplicate charges, merchant disputes, returned merchandise, promotional financing problems, deferred-interest questions, or charge questions, sign in to the account and use the secure message or dispute tools when available. Keep receipts, merchant communications, return tracking, statements, and promotional financing terms.

Fraud, Identity Theft, or Unauthorized Charges

If you suspect fraud or identity theft involving Synchrony, call 1-866-834-3205. If you already have a Synchrony fraud case, Synchrony lists 1-866-412-7866. Report suspicious activity quickly and keep copies of your statements, transaction details, fraud forms, police reports, FTC reports, and credit bureau disputes if applicable.

Lost or Stolen Cards

If your Synchrony card is lost or stolen, use your account portal, the phone number on your card statement, or Synchrony’s lost/stolen card support route. If there are unauthorized charges, also report fraud to Synchrony and monitor your credit reports.

CareCredit

For CareCredit account management, call 1-866-893-7864. For CareCredit applications, call 1-800-677-0718. Healthcare providers enrolled with CareCredit should use the provider support number at 1-800-859-9975.

Synchrony Pay Later

For Synchrony Pay Later, call 1-855-945-3576 for Pay in 4 and 1-844-373-4960 for Pay Monthly. Keep the merchant name, purchase date, order number, payment schedule, and email address on the loan ready.

Secured Installment Loans

For Synchrony secured installment loans, call 1-866-220-9432. These accounts may involve powersports, outdoor power equipment, or other secured financing, so keep your loan details, merchant information, and collateral information ready.

Business and Commercial Accounts

Existing Synchrony business partners can call 1-800-333-1082. Prospective partners can call 1-866-838-0655. Commercial cardholder numbers vary by card program, so use the commercial card login page or the phone number on the card or statement.

Secure Messages and Email Support

Synchrony says it cannot discuss specific account information through unsecured channels. For account-specific questions, sign in and use secure messages, chat, or the account portal. Synchrony says inquiries through secure account channels may take several business days for a response.

What to Have Ready Before Contacting Synchrony

Synchrony account type, such as savings, retail card, CareCredit, Pay Later, Mastercard, business account, or installment loan
Last four digits of the account or card number
Name, phone number, mailing address, and email address on the account
Merchant or retailer name, if the account is a store card or financing plan

Payment date, payment amount, and confirmation number
Billing statement, transaction history, or account screenshot
Receipt, return tracking, merchant messages, or dispute documents
Fraud claim number, police report, FTC identity theft report, or credit bureau dispute, if applicable
Promotional financing terms, deferred-interest offer, or purchase agreement
Case number, secure message, chat transcript, or prior response from Synchrony
Your requested resolution, such as payment correction, dispute review, fraud claim, credit reporting correction, account unlock, refund follow-up, fee review, or written explanation

Common Synchrony Customer Service Issues

Synchrony customers may contact support for help with:

Customer service phone number questions
Savings account support
CDs, money market accounts, IRAs, trusts, and wire transfers
Retail credit card payments
Store card billing disputes
Promotional financing and deferred-interest questions
Payment posting problems
Late fees and interest charges
Returned merchandise and merchant refunds
Fraud and unauthorized charges
Lost or stolen cards
Account freezes, holds, or verification problems
CareCredit support
Pay Later loan support
Credit reporting disputes
Secure message and chat support
Complaint escalation

Synchrony Customer Reviews and Complaints on CSN

CustomerServiceNumbers.com currently has zero live reviews for Synchrony. Because there are no live CSN reviews yet, there is not enough customer feedback on this page to summarize a Synchrony customer-service trend.

If you have contacted Synchrony about the customer service phone number, a retail credit card, Synchrony Bank savings account, payment issue, billing dispute, fraud claim, unauthorized charge, CareCredit account, Pay Later loan, credit reporting concern, account hold, or complaint, you can leave a review below to help other customers understand what worked and what did not.

Synchrony Payment and Dispute Tips

Use the correct Synchrony account portal for the specific card or product.

Save payment confirmation numbers and screenshots.
Check whether the issue involves a merchant refund, payment posting delay, promotional financing terms, late fee, or interest charge.
For retail card disputes, keep the store receipt, return tracking, cancellation notice, and merchant messages.
Use secure messages or the account portal for account-specific details.

Do not send account numbers, Social Security numbers, passwords, or card numbers through unsecured email or public comments.
Ask for a case number and save written responses.

Synchrony Fraud and Account Safety Tips

Use Synchrony.com, MySynchrony, the Synchrony Bank app, or the card-specific account portal.
Be cautious of fake Synchrony customer service phone numbers in search ads, text messages, emails, or social media posts.

Do not share your password, one-time code, Social Security number, full card number, bank login, or verification information with someone who contacts you unexpectedly.
If you receive a suspicious email, text, or phone call using the Synchrony name, go directly to Synchrony.com instead of clicking links.
If you suspect fraud or identity theft, call 1-866-834-3205.
For an existing Synchrony fraud case, call 1-866-412-7866.
Monitor your credit reports if you see unfamiliar Synchrony accounts or charges.

If money was taken from a bank account or card, contact your bank or card issuer promptly.

How to Escalate a Synchrony Complaint

Start with the correct Synchrony department for your account type.
For savings products, call 1-866-226-5638.
For retail cards, use the Find Account tool, card-specific portal, or phone number on your statement.

For fraud, call 1-866-834-3205 and keep all fraud claim documents.
For disputes, use the secure account portal and provide receipts, statements, merchant messages, and tracking information.
Ask for a case number, written explanation, or supervisor review.

If the issue involves credit reporting, dispute through Synchrony and the credit bureaus when appropriate.
If Synchrony does not resolve the issue, consumers may consider filing a complaint with the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the FTC, their state attorney general, or their payment card issuer depending on the issue.
For formal corporate or board-level correspondence, use Synchrony’s investor or corporate secretary contact path, but routine account issues should go through customer service first.

Synchrony Compared with Other Banks and Credit Card Issuers

Synchrony competes with online banks, retail card issuers, store-financing providers, and consumer financing companies such as Ally Bank, Discover, Capital One, Comenity Bank, Bread Financial, Citibank, Wells Fargo, PayPal Credit, Affirm, Klarna, Afterpay, and store-branded financing programs. Customers often compare these companies based on customer service phone number access, savings rates, app tools, credit card rewards, dispute handling, fraud support, promotional financing, fees, credit reporting, and complaint resolution.

Related Customer Service and Consumer Resources

Frequently Asked Questions About Synchrony Customer Service

What is the Synchrony customer service phone number?

Synchrony lists 1-866-419-4096 if you are not sure which department to call. Synchrony Bank savings customers can call 1-866-226-5638. Retail credit card customers should use the Find Account tool, the card-specific portal, or the phone number on the card or statement.

What is the Synchrony Bank savings customer service phone number?

The Synchrony Bank savings customer service phone number is 1-866-226-5638. Automated telephone service is available 24/7, and live bankers are available during posted business hours.

What are Synchrony Bank live support hours?

Synchrony Bank lists live banker hours as Monday-Friday, 8:00 a.m. to 10:00 p.m. ET, and Saturday-Sunday, 8:00 a.m. to 5:00 p.m. ET. IRA, trust, and business teams may not be available on weekends.

What is the Synchrony international customer service phone number?

Synchrony Bank lists 1-937-534-3624 for international customers.

What is the Synchrony fraud phone number?

Synchrony lists 1-866-834-3205 for fraud or identity-theft concerns. For an existing fraud case, Synchrony lists 1-866-412-7866.

How do I contact Synchrony about a retail credit card?

Use Synchrony’s Find Account tool, the card-specific login page, the phone number on your statement, or the phone number on the back of the card. Retail card phone numbers can vary by merchant and account type.

What is the CareCredit customer service phone number?

For CareCredit account management, call 1-866-893-7864. To apply for CareCredit by phone, call 1-800-677-0718.

What is the Synchrony Pay Later phone number?

For Pay in 4, call 1-855-945-3576. For Pay Monthly, call 1-844-373-4960.

Where is Synchrony Financial headquartered?

Synchrony Financial lists its corporate office at 777 Long Ridge Road, Stamford, CT 06902.

Where is Synchrony Bank located?

Synchrony Bank lists 170 West Election Road, Suite 125, Draper, UT 84020 as a bank address. Synchrony Bank also lists regular mail to P.O. Box 669802, Dallas, TX 75266-0955, and overnight mail to 3000 Kellway Drive, Suite 120, Carrollton, TX 75006.

Is CustomerServiceNumbers.com affiliated with Synchrony?

No. CustomerServiceNumbers.com is not affiliated with Synchrony, Synchrony Bank, Synchrony Financial, CareCredit, any retailer, any merchant, the CFPB, the OCC, the FTC, or any credit bureau. This page provides customer service contact information, complaint guidance, and a place for consumers to share their own experiences.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has provided customer service contact information, complaint resources, and customer review pages since 2004. This page is designed to help Synchrony customers find the correct customer service phone number and support path for bank accounts, retail credit cards, payments, disputes, fraud, CareCredit, Pay Later, secured installment loans, credit reporting, and complaints.

Share Your Synchrony Customer Service Experience

Have you contacted Synchrony about the customer service phone number, Synchrony Bank savings account, retail credit card, payment, dispute, fraud claim, unauthorized charge, CareCredit account, Pay Later loan, account access, credit reporting, or complaint? Share your experience below to help other customers know what to expect.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with Synchrony, Synchrony Bank, Synchrony Financial, CareCredit, any retailer, any merchant, the CFPB, the OCC, the FTC, or any credit bureau. Contact information and links are provided for consumer convenience and may change over time. Customer reviews and complaints are submitted by users and reflect their own experiences. This page is not financial, legal, banking, credit, fraud-recovery, identity-theft, chargeback, or tax advice.

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