Are you constantly receiving calls from Synchrony Bank, sometimes several times a day, even after asking them to stop? You're not alone. Across the country, consumers are experiencing unwanted robocalls, excessive phone calls, and even aggressive tactics from debt collectors acting on behalf of Synchrony Bank. If you're a victim of this kind of behavior, you might be facing what’s legally considered Synchrony Bank phone harassment — and the good news is, you have rights.
In this blog, we’ll explore what qualifies as phone harassment, your legal protections, and how you can put a stop to the robocalls once and for all.
Who Is Synchrony Bank?
Synchrony Bank is one of the largest private-label credit card issuers in the U.S. They partner with major retailers like Amazon, copyright’s, and Walmart to offer branded credit cards. While they provide financial services to millions, their aggressive debt collection efforts have landed them in hot water with countless consumers.
It's not uncommon to find complaints about Synchrony Bank phone harassment on consumer complaint boards and legal forums. Some people receive dozens of calls in a single week, even after making payments or requesting that calls cease.
What Counts as Phone Harassment?
You might be wondering — how do I know if the calls I’m getting from Synchrony Bank actually qualify as phone harassment?
Here are a few red flags that may indicate you're experiencing Synchrony Bank phone harassment:
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Receiving robocalls or pre-recorded messages without your permission
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Getting calls early in the morning or late at night
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Being contacted multiple times a day
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Receiving calls even after requesting in writing for them to stop
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Being contacted at your workplace after asking them not to
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Feeling threatened, intimidated, or abused during a phone call
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Being contacted about someone else’s debt (a wrong number situation)
If any of the above situations apply to you, you could be facing illegal behavior from Synchrony Bank or their contracted debt collectors.
Why Is This Happening?
Debt collection is big business. Synchrony Bank either collects debts in-house or outsources to third-party collection agencies. These agencies often use automated dialing systems (also known as robodialers) to make thousands of calls per day.
Unfortunately, that efficiency sometimes comes at the cost of consumer privacy and dignity. If you’ve fallen behind on payments, even by a few days, it’s not uncommon for Synchrony Bank to begin its aggressive outreach campaign.
But just because you owe money doesn’t mean you have to tolerate Synchrony Bank phone harassment. Federal and state laws are designed to protect you from exactly this kind of abuse.
Your Legal Rights Under the FDCPA and TCPA
Two primary federal laws protect consumers from harassing phone calls: the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).
FDCPA — Fair Debt Collection Practices Act
This law applies to third-party debt collectors, not the original creditors. So if Synchrony Bank hires a debt collection agency, that agency is bound by the FDCPA. Under this law, collectors are prohibited from:
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Calling before 8 a.m. or after 9 p.m.
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Contacting you at work after being told not to
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Harassing, threatening, or using abusive language
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Lying or using deception to collect a debt
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Contacting you after a written request to cease communication
If you believe you’ve experienced Synchrony Bank phone harassment, and it involves a third-party agency, the FDCPA may give you grounds for legal action.
TCPA — Telephone Consumer Protection Act
The TCPA focuses specifically on robocalls and automated dialing systems. It also restricts calls to mobile phones without prior express consent. If Synchrony Bank or its agents have been robocalling your cellphone without your permission, that may violate the TCPA.
In some cases, each violation of the TCPA can result in up to $1,500 in damages. So even a few robocalls can add up to serious financial penalties for Synchrony Bank.
How to Document Synchrony Bank Phone Harassment
If you plan to take legal action or simply want to file a complaint, documentation is key. Here’s how you can protect yourself and build a strong case:
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Keep a Call Log
Write down the date, time, and number of every call you receive from Synchrony Bank or their collectors. -
Record Voicemails and Save Texts
If you receive pre-recorded messages or text messages, save them. They can serve as evidence of robocalls. -
Write a Cease and Desist Letter
Send a written request asking them to stop calling you. Send it via certified mail and keep a copy for your records. -
Record Calls (if legal in your state)
In some states, you’re allowed to record calls without the other party’s consent. Check your local laws before doing so. -
Screenshot Call Logs
If they call multiple times a day, take screenshots of your phone logs to prove frequency.
Documenting these actions gives you leverage and credibility if you choose to contact an attorney or file a complaint.
What You Can Do to Stop the Robocalls
Here are several steps you can take today to stop Synchrony Bank phone harassment:
1. Revoke Consent
If you’ve ever given Synchrony Bank permission to call your mobile phone, revoke that consent in writing. Without your consent, robocalls to your cellphone are a violation of the TCPA.
2. Submit a Complaint to the CFPB
You can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB investigates complaints and often pressures companies to respond.
3. File with the FCC
The Federal Communications Commission (FCC) handles complaints about robocalls. If you suspect TCPA violations, submit a complaint.
4. Contact an Attorney
If you’re overwhelmed, it may be time to seek legal help. Consumer protection lawyers often offer free consultations and only get paid if they win your case. A good attorney can assess if your Synchrony Bank phone harassment experience qualifies you for compensation.
Class Action Lawsuits Against Synchrony Bank
In recent years, Synchrony Bank has faced multiple class-action lawsuits due to their debt collection and communication practices. In 2020, for instance, Synchrony was forced to pay millions to settle allegations of unlawful robocalls and credit reporting issues.
If you're experiencing Synchrony Bank phone harassment, you may not be alone — and your case could potentially join a larger class-action suit. In these cases, individual consumers often receive settlement payouts without ever stepping foot in court.
Can You Sue Synchrony Bank?
Yes, if the phone harassment you're experiencing meets the legal thresholds, you may be able to sue Synchrony Bank or the collection agency they use. You can sue for:
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Statutory damages under the FDCPA and TCPA
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Emotional distress
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Attorney’s fees
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Punitive damages, in some cases
Each call or text could be worth hundreds (or even thousands) of dollars in compensation.
Why You Shouldn’t Ignore the Calls
Even if you’re fed up with the harassment, don’t ignore your debt entirely. Failing to respond could result in:
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Damage to your credit score
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Collection lawsuits
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Wage garnishment or frozen bank accounts
Instead of ignoring the issue, take action. That means understanding your rights, documenting the harassment, and seeking the right help to fight back.
How Consumer Rights Law Firm PLLC Can Help
Dealing with Synchrony Bank phone harassment can be overwhelming and emotionally draining. That’s where Consumer Rights Law Firm PLLC comes in.
This experienced team of consumer protection attorneys specializes in stopping unwanted debt collection calls. They can help you:
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Evaluate whether Synchrony Bank violated federal laws
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Stop the calls and texts immediately
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Recover damages for harassment
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Represent you in a lawsuit or settlement
They’ve helped thousands of consumers hold debt collectors accountable, and they can help you too. Best of all, they typically work on a contingency basis, so you pay nothing unless they win your case.
Final Thoughts: You Have the Power to Fight Back
Phone calls from Synchrony Bank don’t have to control your life. Whether you owe a debt or not, you still have rights. Synchrony Bank phone harassment is not just annoying — it could be illegal.
By understanding your rights, documenting the calls, and connecting with professionals like Consumer Rights Law Firm PLLC, you can take back your peace of mind.
So, the next time your phone lights up with yet another call from Synchrony Bank — know that you’re not powerless. Help is just a call or click away.
Has Synchrony Bank crossed the line with repeated robocalls? Don’t wait. Reach out to a consumer protection lawyer today and say goodbye to the harassment.