Synchrony Financial Corporate Office - Corporate Office HQ

Synchrony Financial Corporate Office

How would you rate your experience with Synchrony Financial ?

[Total: 31    Average: 1.6/5]

Synchrony Financial Corporate Office Address

Synchrony Financial
777 Long Ridge Road
Stamford, Connecticut 06920

Contact Synchrony Financial

Phone Number: (203) 585-2400
Fax Number:
Email: Email Synchrony Financial

Synchrony Financial Facts

Date Founded:
Founding Location:
Number of Employees:

Synchrony Financial Executives

CEO: Margaret M. Keane
CFO: Brian D. Doubles
COO: Thomas M. Quindlen

Synchrony Financial History

Synchrony Financial, sometimes called Synchrony Bank, was founded in 2003 originally as a finance division of General Electric. The original name of the company was GE Capital Retail Finance, which offered consumer financing, credit, and loyalty programs.

Synchrony is the largest provider of private label credit cards in the US. Companies that use Synchrony for their credit cards include Amazon, CheapoAir, Walmart, Lowe’s, and Discount Tire. CareCredit, which is used for elective health care procedures, is also through Synchrony Bank. The company went public on the NYSE in 2014 and is publicly traded under the ticker symbol SYF.

Synchrony Financial has $13.62 billion in revenue in 2015 and employs 12,000 persons. The company agreed to pay $225 million in 2014 for deceptive credit card practices, mostly stemming from add-on charges during telemarketing calls. These add-ons included items such as debt cancellation agreements, for which customers were charged, but were not told that these had been added onto their accounts.


Synchrony Financial FAQs

Question 1: What is the phone number for Synchrony Financial?
Answer 1: The phone number for Synchrony Financial is (203) 585-2400.

Question 2: Who is the CEO of Synchrony Financial?
Answer 2: The CEO of Synchrony Financial is Margaret M. Keane.

Question 3: Who founded Synchrony Financial?
Answer 3: Synchrony Financial was founded by in .

{ 34 comments… read them below or add one }

Syed hasan November 13, 2018 at 8:08 pm

Earlier, I filed a complaint. Please call me at 256-464-XXXX. Thank you


ROBIN L TRUETT October 16, 2018 at 6:29 pm

In July of 2018 after applying for a PayPal cash back Master Card I received the Cards with a 6,000 dollar credit line. I applied using truettenterprises@
During the applying time I also set up a pay pal account along with a E-Bay account. I had to to use a different email address– truettenterprises@— because my spouse was using truettenterprises@ for pay pal and e-bay. When I received c.c. ending 8558
I was unable to link the cc to pay pal to use for my default payment. I was told by a
Synchrony customer service that I would have to close acct ending 8558 and reapply using truettenterprises@ to link cc to pay pal
I closed account ending 8558 and reapply using the gmail address. I received a letter from Synchrony Bank that they were unable to to approve at this time.
According to the Bank and I quote Letter dated 08/19/2018 “In reaching this decision,
your application was reviewed and denied for the following reason ” PREVIOUS APPLICATION APPROVED.
The customer service was to make a note for the reason of closing the account ending 8558. So when you said that you reviewed the application that was a false statement
I thought that I would reapply thinking that it was a mistake. I again received notice that application was denied again and a letter would be sent to explain after REVIEWING the reason.
You should REVIEW what happened and issue a new cc that would allow me to link to my pay pal and e-bay account using
I wait to hear from you concerning this mistake made by one of your customer serviced and issue a new cc. If any of the above, damages my credit standing you will be served with the proper paper in small claims court or a higher court if the damage to my credit is more than $10,000.00 I am CFO for 2 corps and my personal credit score is over 800 and I have over 1,250,000.00 in credit lines for the 2 corps i am CFO for. PLEASE HANDLE YOUR MISTAKE ASAP
Yours Truly.
Mr.Robin Truett


Michael Hudgins September 20, 2018 at 12:59 pm

Run!! Don’t use this whack company. They lowered my credit line bc of their error. I ask them to change my payment date to a later date & they didn’t do making me late on my payment.
So I had a credit limit of 1200 and now I have a limit of $510 with a balance of $430..thanks synchrony bank for messing up my debt ratio.
My score was 650 and nothing on my credit has changed. I understand if my credit score was lowered and then they lowered my credit limit..but nothing has change..this company sucks!! Run!!


Anita Holmeso July 11, 2018 at 11:54 am

I pay $150 .oo a month and you take $96 ok dollars out for interest in very upset last year we were evacuated due to a large fire our whole town was closed we used the card as could not get to our bank I’m having foot surgery next month I would like to lower my interest to a lower one I live on social security i see you have a !ot of negative comments can you please help me thank you Anita Holmes


leroy solomon July 7, 2018 at 4:53 pm

I apply,ed for a gas card Texaco/ Chevron, and got approved with a limit of $1500.00 now I never used that amount after paying for months I noticed my balance never went down, never paying the minimum every month after month so I decided to take the payments from the day I got the card to now 2018, from there website and compared it with the payments from my bank after adding all the payment it Is close to Six Thousand Dollars ( $6000.00 ), Now I would like to know how is it that I still owe ONE THOUSAND fIVE HUNDRED DOLLARS ( $1500.00 ) I’M NOT GOING TO PAY ANOTHER DIME. AND WE CAN GO TO COURT ABOUT THIS MATTER. i WILL BE MAKING A COMPLAINT TO THE BETTER BUSINESS BBB AND THE CONSUMER PROTECTION AGENCY ON THIS MATTER.


Cheryl Holley-Stanton May 1, 2018 at 10:09 am

I cannot believe I am unable to speak to ANYONE in a company the size of Synchrony Bank who is able to resolve an issue regarding a lien on the deed of my home!! A lien which should NOT be on the deed of my home regarding a loan initiated by GE Money Bank in 2007 that NOONE knows how to access, pull-up, power on, power off, validate, verify, retrieve, remove, erase, eradicate, talk about or refer me to the right department. 2 hours of telephone carousel for someone to tell me to send my paperwork to a Post Office Box in Orlando, Florida and someone will get back with me. Are you really serious? SMH I am exhausted…how does this corporation stay in business and acquire other businesses? I felt as though I was taping an episode of The Three Stooges comedy “Whose on First?”


Mackenzie Douglas March 28, 2018 at 1:12 am

SYNCHONY BANK DOESNT WANT YOU TO PAY OFF ACCOUNT SO THE DIRTY CREDIT CARD TRICKS HAVE BEGUN!!..3/14/2018 made $800 payment..3/26/2018 called to see why payment not posted and was told banking info couldnt be verified..3/26/2018 received letter stating autopay cancelled without any reason given..called and was told banking info couldnt be verified and then other rep said autopay cancelled by my bank and I should contact them..Banking info has been the same since opening account in 2015..Have NEVER MISSED OR BEEN LATE ON PAYMENT!!..PATHETIC COMPANY!


Mindy March 26, 2018 at 9:11 am

Closing my account with this bank, due to the most inept, worst customer service I have come across in a long time. Cable companies have better CS than this bank. don’t waste your time with them.


joann castro March 3, 2018 at 8:34 am

I have closed my account after call from you. Your bank allowed someone to get a new card, new address, new maiden name and allowed them to spend $. I have s/w 10 reps and so confusing. How was this allowed? I cannot s/w a rep since I don’t have the false address and maiden name. That is not right. I am the consumer and you allowed someone to get a card and when I s/w you I would appreciate answers. Your reps give no comfort on this. Thanks


Jay February 2, 2018 at 12:36 pm

I take care of all of my household finances. I called as I noticed a late payment on our invoice. With my call I asked why my check was cashed on 12/28/2017 and was assessed a late fee on 1/12/2018. That is 15 days after our check was already cashed. Our due date is the tenth of every month. The customer service rep was very rude and would not tell me why. I asked to speak to a manager regarding this and Hugh 7071802 said he couldn’t get me the information due to the fact I was not the card holder. I refuse to go into detail as to why my wife is not available as its none of your business. I asked for a manager above him and I was advised it would take 72 hours to have a manager call me back! ARE YOU KIDDING ME! Three days to resolve something as simple as this: I had one question, WHY was I charged a late fee 15 days after your bank cashed our check. Simple, right, apparently not. Also, you voice phone prompts are worthless and are not user friendly. It seems as if your defrauding your customers by adding fees that are not necessary. Are you related to Wells Fargo? Sounds like it.


Peter LEwis December 10, 2017 at 8:59 pm

I am extremely upset with this financial bank; I have several accounts with them for years now and none of my accounts has ever been late or pass due; I recently went to use my accounts to shop for CHRISTMAS only to find out they had decided to CLOSE several of my paid off accounts and then decrease the limits on the other three account that had very low balance on them. MERRY CHRISTMAS TO ME RIGHT REALLY WHAT SERVICE WAS THIS TO RECEIVE FROM A BANK THAT I HAVE BEEN MORE LOYAL TO THEN MANY. I WILL REALL RECONSIDER HOW I REFER THIS THEM OR EVEN USE THEM.


Mike March 17, 2018 at 8:34 am

Hope you do realize when you have credit and don’t use them for a period of time. The creditor can or will close them without notice or also reduce spending limits.


Jerry Beachum October 20, 2017 at 2:47 pm

BBB Case # 42073099 for customer abuse dating back to 8/30/2017 on a transaction dating back to 8/8/2017.


Brandon September 10, 2017 at 8:33 pm

On Aug 16, 2017 I paid my account balance in full in the amount $1,885.00 and not even month later on sept 5, 2017 synchrony bank close out my account.

At this time I will be submitting a complaint to consumer financial protection bureau.


Annon August 15, 2017 at 9:54 am

Everyone with recent issues against this bank, Without going in to details, I’m in the process of filing a small claims lawsuit against Synchrony Bank for the damage they have caused. I encourage everyone who can to do the same. It’s a small nominal fee to do so at the Country Clerks office, and most states will allow you to sue for up to $10,000. Here’s how to get their attention, when you name the Point Of Contact, use Margaret M. Keane as the contact. They will have to server the papers to her, further more, make sure this address is used:

Synchrony Financial
777 Long Ridge Road
Stamford, Connecticut 06920

The more people that do this, the better. It will also affect their Business Credit Rating.


Denise Thompson August 16, 2017 at 3:27 pm

They are pursuing me for a balance that my ex husband ran up after the divorce and I have sent divorce papers to them w/ the judges signature on 3 occasions and they still pursue me and have ruined my credit. They tell me that my signature from the late 90’s trumps the judges signed orders. I have no idea where they got a law degree from but that is incorrect.
thank you for sharing the information regarding the class action. I will be happy to provide any information I can.


Darlene Dick August 28, 2017 at 3:02 pm

Customer Service is the worst I have ever dealt with in my life!!!!!
You are left on hold if you ask to be transferred to the United States.

Shame on you Synchrony Bank!!!


shanon Barto July 27, 2017 at 4:13 pm

I had great credit never missed a payment! I had several credit cards which are now all gone because of Synchrony Financial! A representative “Human error” entered the wrong code on my account which listed me as dead! As a result all my credit cards have been cancelled! My credit is distroyed! I called Synchrony Bank 6 times to ask them to correct this to no avail! I am getting calls from collection gencies asking for the representaive of my estate! I have been ruined! My credit report lists that I am dead! If you run my social security number I am listed as dead!


robert mcdaniel August 12, 2017 at 3:35 pm

I would stress that YOU IMMEDIATELY contact the consumer fraud division of your state attorney generals office and also the agency governing the FAIR CREDIT REPORTING ACT and file complaints against synchrony financial. Because of what you have described, this bank is now SERIOUSLY indebted to you for monetary damages that could amount to a sum off the charts. Im very well versed in the law and I doubt there is an attorney who would NOT be willing to file a civil suit on your behalf against synchrony.


Robert E Wagner II July 20, 2017 at 10:00 am

Yes back on June of 2016 I applied for a loan through this bank for a transmission to get fixed at the time we set up the loan I notified Synchrony Bank that I do not get into sibility check until the 3rd of every month I will not be able to mail out my payment until then since then it showed that I have been late quite a few times which I have never been late I have called over numerous times the last 12 months reporting that I do not get my check until the 3rd of every month I paid off the balance within 12 months like I was supposed to I get a statement showing that it was late receiving to you by the 3rd so they packed on 600 some dollars in interest charges I’m sorry I will not pay this Eiffel build my obligation by contacting Synchrony Bank over several appointments stating why the payments received when they did I have proof of every payment on time I would like to know why this was done I’m on disability and I have no other way of paying this $647 I did what I was requested paid my bill on time every month before the 12-month promotional. Please let me know on your decision on this bad decision that was made by somebody I’m trying to sell this in a professional adult manner thank you Robert Wagner Wakarusa Indiana 46573 phone number 574-354-XXXXX


H. Needham July 19, 2017 at 12:54 pm

My last 4 transactions with Synchrony Bank have not been completed properly. I have had to call repeatedly to get each corrected. On withdrawals, you have failed to deliver on time. On renewals, you failed to credit my account at the agreed to interest rate. Your advertised rate is competitive but you don’t pay what you say you do. Bottom line, I feel you are defrauding the public or simply conduct transactions so sloppily that things are never corrected and the customer takes the hit. I don’t write to the CEO anymore because all her staff does is argue. The old GE Capital is still at work here. I would steer clear, if you are thinking of using them. They are worse than the tv cable company.


Hiram Olivencia Roman July 13, 2017 at 5:05 pm

To. Mrs Margaret President and CEO Syncronic Bank USA.
Dear Mrs Margaret
I have a Sams Club Puerto Rico Plus Master Card. I have been a loyal member and do my payments on time. I called since 9 of July 2017 in regards credit for $376.20. Mr Max and Mr Jossie Martinez Manager of the Customer service and they had the $376.20 as an ajustment in the computer. Today I spoke to Kidsy and Marta the Supervisor. They supposed to see the adjustment but they did not see it.
The treatment of the employee in Spanish specialty from the supervisors was terrible and did not help. I asked Marta for the telephone of the Corporate Offices but she said did not have it. And she was going to sent a report to the Customer Service Department. Until now, I have not any situation With Syncronic Bank and Master Card.
Thank You for paying attention to my inquiry.
Hiram Olivencia Roman


ANTHONY REED July 12, 2017 at 5:19 pm

synchrony bank caused me to lose my job / career
I applied for credit and was approved
when I tried to use the credit i was blocked several times
taken through a series of identification questions in which i passed but
only to be blocked again and called by some representative
that i can’t understand.
after this i was placed on a perm bock until i sent in doXXXXents
i sent them several doXXXXents they asked for twive next day delivery
and five times by fax
each time was told either they didn’t receive it or it was unable to
be seen. even though i went to a professional doXXXXent center to fax them
photo copies, even though twice it was mailed with delivery confirmation

after months of this game i could not use the credit for weight loss
procedure to keep my job, I told them several times they were costing my
job. now it’s too late i cold not have the procedure and i was let go.


Tuan Nguyen April 25, 2017 at 8:25 pm

Dear Mrs Magaret Keane,

I want to file the complaint about your employer who do the fraud investigation on my case. I think he or she have a brainless. I told them that somebody use my identity to apply conns credit card through synchrony bank with out my authority. I am living in Houston,tx but they apply in Florida and purchase item in Beaumont,tx. How the hell they investigated that gave out the solution that I applied that card and used that card. You know what I never shop at conns since your product so expensive. And I don’t know I already report the day after the problem happen. And then today 4/25/2017 I talked to the lady name Laurel. I keep tell her I am the victim of the case and she say she can not help and not reverse the solution of what they analyzed.

Please I need some help.


Deirdre Price March 4, 2017 at 10:33 am

Madame Margaret Keane:

I have enrolled in the Customer Assistance Program for my TJX Marx Credit Card because I am out of work and fell through hardship. When I called customer service today about an ongoung problem where the December 24, 2015 written agreementis not hpnor for minimum monthly payment is greater than $20. Instead they are saying its forty which is not what the legally written contact states as Dan ID 5403 stated himself. My credit report is affected by this and I want this fix iimmediately. I am filing a corporate complaint because all I ask to be treated with respect. I do not insult anyone intelligence. You have to honor a written agreement. I should not have any past due amounts or a $239.00 minimum due on my bill when I am on Customer Assistance Program. I want this resolved immediately because its illegal to go against a written agreement.

Thank you for your cooperation in thos matter.

Deirdre Price
Port Washingto, NY 11050


Filomena Lewis March 1, 2017 at 2:40 pm

I sent money for one account and they credited the wrong account. I cannot find anyone to solve the problem.
My credit rating is excellent and I am trying to solve the problem. But the dummies don’t know what they are doing. They transferred the same money over and over and it still is not right. I will NEVER open a credit card with this company. I found out Lowe’s was the same credit company. I closed that account in a hurry. I wish they
had good people doing their work but evidently they must get uneducated individuals to do the work.

Filomena Lewis


judy taylor February 22, 2017 at 5:41 pm

you canceled my card after a 800 plus fico, and my credit went down you suck……….. never again.


Andrea Buckley February 14, 2017 at 10:55 am

I paid off my whole balance 1500.00 to my lumber liquidators card. When I went 4 days later to use it to finish my floors, the card was declined!!! These money came out of my bank and synchrony said they received my payment. But because I paid more than 500.00 off, the card was placed on a 9 day hold. That’s ridiculous. I paid it off. I should be able to use it immediately! Nowhere in the credit card disclosure does it mention a hold. Customer service was horrible. So now my project is on

hold and my money is gone.


Lucia Russo February 8, 2017 at 9:58 am

having an issue with my walmart bill i was told certain information regarding my late fee and now your bank is telling me something completely different i am an excellent customer and never been late i have this account for years. so i would like to get to the bottom of this .


Charles January 31, 2017 at 10:41 am

I am a Belk Card Customer. I have not missed a payment in over four years, never been late and twice they have reduced my credit. I did have a prolonged job loss five years ago, but never missed a Belk Card payment. Now, twice, they have reduced my credit limit so I cannot purchase anything.
In order to maintain the Belk Store relationship that I have had since 1981, I have purposely sacrificed to keep this account current. This seems to not be considered by the folks making a decision. I am conteplating my next move. Contacting Belk Stores has not proved to be helpful.


Morris and Sheila January 19, 2017 at 10:26 am

My husband and I have several credit cards were as Synchrony Financial/Bank represent. We recently fell on hard times due to his job of 35 years decreased everyone’s hours from 40 to 30. And previously before eliminated all 401k, life insurance, and medical insurance. Now days you are required to have health insurance and because I’m disabled and my husband has diabetes, high blood pressure and many other illness, cost of premium sores to over 600.00 per month. Well to get to it, we contacted our mortgage company and other main creditors to work on a payment plan, which they awesomely did. We maintained paying our credit cards on time to try and pay off. Well each time we paid Synchrony lowered our limit down to what we owed. Therefore that alone impacted our credit score so much our debt to ratio is high. Experian explained that synchrony should not have done that because the impact of going from a credit limit of 1,500 for example and our balance was 300.00 to a credit limit of 300.00 hurt us more. You may have been trying to protect your asset but you ruined us! He have paid that one off, with not additional charges and now you lowered it to 100.00. All because you looked at our credit report and saw we were late on our mortgage and car, which we made future arrangements. No one called nor sent a letter to see what was going on, because we never missed a payment with you!! I have sense contacted an attorney and the BBB are in the process of filing a complaint. Our mortgage insurance and car insurance has been cancelled due to the credit score we now have based on your own insecurities. Thanks a lot Synchrony, we are good people just fell on hard times because of a job and disabilities. Also in process of filing a discrimination law suit. I have contacted our local news station, perhaps others have been treated the same and it’s time to stand up and not let these big company’s step over us. Besides we are the very ones that make you money!!


Tania Briggs April 23, 2017 at 6:31 pm

Recently I hit a hardship and my gross income changed dramatically. I recently made arrangements on my samsclub/synchrony bank back in march of 2017 to get my account back on track. I paid what was agree. The sales rep did not what he offer to help me out. Now my account is going back in the negative because of this miscommunication. These 2 days I have to 7 different representatives and a total if 2 hours on the phone. Every time I ask to speak to a superior im told there no one. Both supervisor refuse to transfer me or even give names of there supervisor or district managers information. Im so upset eith the treatment Ive bern giving. They never took in consecration I have 2 others account with them. Once I pay my balances off with account. I will never do business with synchrony bank again. The customer service sucks. It’s sad the company cant depend.on the employees.


Dale Schoenborn January 17, 2017 at 5:31 pm

Dear Sir/Madame:
It is a great displeasure to be harassed by numerous calls every day from your automated service requesting to speak to a George LaBold. That is the best I can interpret the recorded voice. There is no way to speak to a person and the calls originate from 877-317-5659. The call back number is 877-379-4933 and again you cannot get a human being. I have made numerous calls to various numbers which are all stating that the conversation is being recorded. After explaining my problem to an agent, mostly overseas and undistinguishable, you get transferred to someone else overseas who has no comprehension of what I am saying. I have been disconnected from two managers in Ohio today. They had my number but did not call back. I was left to start all over again and again. My accounts are three CD’s and total over three quarters of a million dollars. My problem does not concern any of my accounts but there is something wrong with your security if another customer, in this case a delinquent one, is associated in any way with me. I demand that this be addressed an I am contacted before I take this to a regulatory agency. I have two phone numbers on record with you and do not know which one is being called as my 212-473-XXXXX number forwards to my 954-974-/XXXXx number on which I am receiving these calls. Please contact me as soon as possible as I am looking forward to getting this problem alleviated.

Dale E. Schoenborn
Pompano Beach FL, 33069


Joel Marin October 2, 2017 at 1:48 pm

I have been shocked to read of all the complaints from people that are affiliated with Synchrony Bank. I myself in the same position. My account was closed due to error on Synchrony Bank but I was faulted for it. Chase bank provided all the information they needed on this matter. I believe Synchrony Bank has some serious issues in their banking practice. Their customer service representatives are not very well trained their managers are also not trained they are also not on the same page. Never missed a payment but yet it was closed due to poor investigation on Synchrony Bank.


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