Synchrony Financial – Legit or Scam?

I came across a critical review of Synchrony Financial on a Scam Reporting website –, titled ‘Synchrony Financial is a dirt company’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against Synchrony Financial with a pinch of salt.

Here is what the review says –


I do not have any account with this company right now, but I did have one few years back. I made few late payments and my account was forwarded to the credit agencies. I do admit that I had to pay an over of $700 to settle the account. I print the confirmation page and showed it to one of the credit agencies.It was made okay with the credit agency. However, I do not do it even with the other credit agencies which I thought would automatically be intimated. Later after few years, I realized that the debt was still not paid. So, I tried to sort the matter. I tried to log into my account to see the proofs of the payment made.However, I could not log in as the account was closed long back. I could not find any record of it which was completely normal. So, I called Synchrony Financial to get some proofs. They may have with them. Thinking the same, I called these people. I thought I will clear it from my credit by showing the proof.However, these guys told me that they have no proof of me paying the money and I am still under debt. That came surprising as I had cleared the account long back and one of the credit agencies had also updated the status based on the confirmation letter.According to these guys my account was closed, and they do not have any papers pertaining to that account. So, as per the credit report, I still had their money and needed to pay in order to clear the credit score.So, I asked the guy I was talking to for a solution. He said that I must write a letter to an address asking for more information on the account. I asked him to email the address as I was driving. He said that it wasn’t possible as he was not allowed to mail from the office, and everything was accounted.I thought I will tackle this later. I had so much to do at work. But, calling these guys was the biggest mistake. Instead of solving the matter and helping me with the papers and payment proofs, these people just forwarded my account to the credit agencies once again. I started getting calls from them. Until now, no one was bothered about the debt as it was already paid. After I told them about my problem, the calls started coming up.They started harassing me every day. It is so much difficult to get rid of these people when they happen to be the scammers and not the right company. I am stuck with these calls and a debt that was actually paid long back. These people have also ruined my credit score and are not doing anything to help someone who happened to be their customer few years back. This is not justified. These people will have to provide a solution and I am not going to pay without a reason.


In case you don’t already know (assuming you came to this page by Googling ‘Synchrony Financial scam‘, or ‘Synchrony Financial review‘, Synchrony Financial is listed under the category Business on

Here is the rest of the contact information for the sole purpose of identification –

  • Address: Stamford CT
  • Phone: +1-800-333-1082
  • Website:
  • Severity of Scam: High [not sure what it means]
  • Reported Loss: 6600 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity Synchrony Financial was awarded 1 / 5 Stars  based on 6 Reviews.

It is difficult to ascertain whether Synchrony Financial is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into Synchrony Financial, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list Synchrony Financial as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against Synchrony Financial, please contact us immediately. If you have lost money to  Synchrony Financial, together we can work to recover your loss.

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