How to fix Synchrony credit card fraud (legal guide 📖)

This article will walk you through my proprietary 4 step process to delete both fraudulent charges and fraudulently opened Synchrony credit card accounts from your credit reports.

I’m Ali Zane, a credit advocate with 20 years of experience at Imax Credit Repair

My associate attorneys and I have resolved 100% of legitimate Synchrony bank card fraud cases and ID theft cases using this process.

Here is the 4 step process we’ll follow:

• 1️⃣ Call Synchrony’s fraud dept (try to resolve immediately)
• 2️⃣ File FTC + police reports (this activates your strongest rights)
• 3️⃣ Mail disputes to Synchrony + bureaus (with proof)
• 4️⃣ Pursue legal remedies + money damages if they don’t resolve the issue

Here’s the best part – I offer free legal help‼️ (seriously)

If you’ve got Synchrony fraud charges or a fraudulently opened Synchrony account,

as a credit advocate I can help you with $0 cost out of your pocket.

As I can get our legal fees paid by the bank, per F.C.R.A provisions

Most people don’t know this BUT there’s no reason for you do this alone.

Use the link below Now

✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

WATCH THIS: Synchrony fraud & ID theft recovery video

Watch this first. It explains how investigations really work and why your documentation + timeline matters.

Podcast: Removing Fraud Charges Off Your Credit Report

STEP 1️⃣ : Call the Synchrony Fraud Dept

Start here because Synchrony can sometimes fix fraud fast. ⏱️ If they stall, deny, or tell you to “write in,” you’ll move to Step 2 and Step 3.

Scenario 1: Fraud charges on an existing Synchrony card

• Call the number on the back of your card (or report inside your account portal).
• List each fraud charge by date + amount + merchant.
• Document: date/time, rep name, case number.
• If they deny or drag it out → go to Step 2 & Step 3.

Scenario 2: Fraudulently opened Synchrony card/account

• Call and request fraud/identity theft.
• Ask what address/email/phone was used to open it (ID thieves often use different info).
• Demand they close the account and stop reporting it.
• If they say “write to us,” perfect — you’ll do it correctly in Step 3.

GOOD NEWS: If Synchrony doesn’t agree to fix the issue, we may get you monetary damages

If you’re a legitimate victim and the fraud reporting isn’t corrected after proper notice + documentation, it can become an actionable compliance issue. In many cases we can help with no upfront fees.

Call (323) 983-8973
Email Me: Fraud@imaxcredit.com
✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

STEP 2️⃣ – Filing your Synchrony ID theft reports (with FTC and police)

The 2-anchor stack

FTC Report ✅ + Police Report ✅ = your strongest dispute package

STEP 2A – File an FTC ID theft Affidavit

• File here: IdentityTheft.gov
• List Synchrony and any fraud accounts/charges/inquiries you found.
• Save/print the final report (you’ll attach it in Step 3).

STEP 2B – File a ID theft Police report

• File online if your department allows it; otherwise file in person.
• Bring ID + proof of address + statements + credit report pages (if a new account is reporting).
• Make sure the report lists Synchrony and the fraudulent activity.

Note: Its a federal and state offence to make an untrue statement in a Police report or FTC report. Under no circumstances file these reports unless you’re 100% sure that the accounts are fraudulent.

One Master “Synchrony Fraud” Letter (Use for Police + Your Dispute Packet)

✅ Edit the brackets. Paste it into your police report narrative box AND include it inside your dispute packets.

[YOUR FULL NAME]
[YOUR ADDRESS]
[DOB / Last 4 ssn]
[MOBILE #]
[EMAIL]

I am a victim of identity theft and fraud. The following Synchrony accounts, charges, and/or credit inquiries are fraudulent. I did not authorize them, did not benefit from them, and did not give anyone permission to use my personal information.

A) Unauthorized Charges on an Existing Synchrony Account (if applicable)
- Account ending in: [XXXX]
- Fraud charge(s): [DATE] – [$AMOUNT] – [MERCHANT], [DATE] – [$AMOUNT] – [MERCHANT]
- Reason: I did not make these transactions and did not benefit from them.

B) Fraudulently Opened Synchrony Account (if applicable)
- Account ending in: [XXXX]
- Open date (if known): [__/____]
- Reported balance: [$____]
- Reason: This account was opened without my knowledge or consent. I have never used it and received no benefit from it.

C) Unauthorized Credit Inquiry (if applicable)
- Creditor: Synchrony
- Inquiry date: [__/____]
- Reason: I did not authorize this application/inquiry.

Suspect information: I (do / do not) know who the suspect may be.

I am reporting this issue so that the credit bureaus can block this information and the creditors can close/remove fraudulent accounts, and correct any inaccurate reporting to the credit bureaus.

Sincerely,

Want a deeper bureau template? Identity theft credit bureau dispute letter

CONTACT ME: For no cost help on how to fix Synchrony fraud

✅ If you followed the steps and Synchrony/bureaus still won’t correct the fraud, you may be entitled to money damages and full credit repair — often with $0 out of pocket.

Call (323) 983-8973
Email Me: Fraud@imaxcredit.com
✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

STEP 3️⃣ – Mailing your id theft/fraud dispute letter to Synchrony & the credit bureaus

Now you build the paper trail. This matters if anyone denies your claim later.

✅ What to include (simple)

• Master narrative letter (above)
• FTC report
• Police report
• ID + proof of address (utility bill, cell bill, bank statement)
• Credit report pages showing the fraud (if applicable)

Mailing addresses (Synchrony + credit bureaus)

Tip: If you mail disputes, consider a service like LetterStream so your exact letter + attachments + proof of mailing are preserved digitally.

STEP 4️⃣ – If Synchrony or the credit bureaus don’t fix this

YOU MAY BE ENTITLED TO MONEY DAMAGES

WE GUIDE YOU FOR FREE

At that point, you may be facing FCRA and/or FCBA violations. This is where my team can step in to pursue:

• Removal/correction of fraudulent tradelines
• Refunds for unauthorized charges (when applicable)
• Monetary damages (credit harm + stress/emotional distress)
• ⚖️ Attorney’s fees paid by the other side (not you)

Call (323) 983-8973
Email Me: Fraud@imaxcredit.com
✅ BOOK YOUR FREE GUIDANCE CALL WITH ME

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RELATED SYNCHRONY FRAUD ARTICLES

• Identity Theft Credit Bureau Dispute Letter
• How to Repair Credit After Identity Theft and Fraud
• How to Fix Chase Credit Card Fraud
• How to Fix Wells Fargo Credit Card Fraud

FAQ: Synchrony Fraud

What is the Synchrony fraud department phone number?

Safest option: use the number on the back of your card or the in-app call button (to avoid fake “fraud lines”), Otherwise ring their customer service listed on their website t: 1-866-226-5638

Will this process work for all Synchrony Bank card types ?

Yes, this process will work for all major Synchrony credit cards may it be Synchrony Amazon Prime card, Synchrony TJMax rewards card, Synchrony Lowes Card Sams Club card, Synchrony Paypal Cash back card, Synchrony Venmo card. Synchrony Care credit card.

A fraudulent Synchrony account was opened in my name and is showing on my credit report, what do I do?

Treat this like identity theft (because it is). Here’s the clean order:

• Call Synchrony and tell them to close the account + flag it as fraud.
• File the FTC report + police report (Step 2).
• Mail disputes to Synchrony + bureaus (Step 3) so you have proof.

What if Synchorny refused/denied my fraud/identity theft claim?

If you’ve sent your FTC + police report packet by mail (Step 3) and have proof of notice, then you’re most likely entitled to legal damages 💰.

Basically a company should not deny your claim unless they have evidence that the fraud was done by you.

You can reach out to me or Imax Credit to explore options

Call (323) 983-8973
Email Me: Fraud@imaxcredit.com
✅ GET HELP WITH YOUR SYNCHRONY FRAUD CASE →

Disclaimer: This article is educational and not legal advice. Every fraud/identity theft case is fact-specific.