How to dispute a charge at Synchrony Bank
Synchrony Bank gives cardholders 60 days from the statement date to file a dispute. Synchrony Bank typically resolves disputes within 10 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.
Dispute windows
Dispute window60 days from statement date
Chargeback window120 days from transaction date
Typical resolution10 business days
Debit card vs credit card protections
Debit card (Reg E)
N/A — Synchrony is a credit card-only issuer (store cards, Care Credit); no checking or debit products
Credit card (Reg Z)
Credit card: 60 days from statement date under FCBA; retailer co-brand dynamic means documentation matters more than usual
How to file at Synchrony Bank
- 01Online: https://www.mysynchrony.com
- 02Phone: 1-866-226-5638
Generate your Synchrony Bank dispute letter
Select your dispute type and we'll generate a personalized letter, pre-filled with Synchrony Bank-specific submission instructions and your deadline.
Select your dispute type:
Unauthorized chargeDuplicate chargeDidn't receive goods or serviceNot as described / defectiveFree trial I didn't authorizeRecurring charge after cancellation
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