Synchrony Bank scam: is that message or call real?

Editorially reviewed · Last updated September 8, 2026

Yes — this is a scam. A message using Synchrony's name to collect personal or account information is an impersonation scam.

Exhibit · Email

Suspicious purchase — verify your account

Synchrony Account Security

alerts@synchrony-account-review[.]com

9:02 AM

We detected a purchase that needs your attention. Confirm your details now at synchrony-account-review[.]com/verify

Verify account

Illustrative email · not an original screenshot

Other versions you might get: The same impersonation can arrive as a text, voicemail, or call about a suspicious purchase, a locked account, or a verification request. Phishing, smishing, and vishing all use a fake Synchrony contact to get the information the real account page would not request that way.

What to do right now

Stop using the message's link or number. Do not reply or send personal, login, or payment information.
Open the account yourself. Use a saved official bookmark or the Synchrony app, then check transactions and alerts there.
If you entered information, secure it from a clean device. Change the exposed password, use a unique password, turn on multi-factor authentication, and monitor the account.
If there is an unauthorized payment or identity risk, act quickly. Contact Synchrony and your bank or card issuer through official contact details, ask about a reversal, and consider a fraud alert.
Report the attempt. Keep the message and sender details, then file at reportfraud.ftc.gov.

Reduce the risk of another scam

An impersonator may follow a phishing message with a call or a second email. Keep checking the account through the official route, use a unique password, and never let a follow-up contact replace the real Synchrony support channel.

● Public service · free steps first

Take the free protection steps first

A suspicious message does not tell us how someone found your details. If you shared personal information, start with the official recovery guidance. You can also freeze your credit for free.

Freeze your credit — free at all three bureausRestricts access to your credit report for new credit applications. It does not protect existing accounts from misuse.
Report it and get a recovery plan at IdentityTheft.govThe FTC walks you through exactly what to do next, for free.

Decide what protection you need

Start with the free controls above. Compare what a paid service would add only after deciding which problem remains.

Compare free and paid protection →

No purchase needed. How we use evidence.

Frequently asked

Does Synchrony ask for personal information by email?

Synchrony warns against emailed requests for personal information. Do not send sensitive details through an unexpected message. Verified fraud investigations can involve forms and secure communication, so check the request through the support route for your actual Synchrony product.

How can I tell if a Synchrony message is real?

Do not rely on the display name or the urgency in the message. Check the sender and destination, then open your Synchrony account yourself and verify the activity there. A request for personal information by email conflicts with Synchrony's fraud guidance.

A Synchrony message says there is a suspicious purchase. What should I do?

Do not click the message link or call its number. Open the official account yourself, check the transaction, and contact Synchrony through the real support route if it is unfamiliar. Save the message as evidence before deleting it.

I clicked a Synchrony link and entered my information. What now?

Stop using the link, then change the exposed password from a clean device and turn on multi-factor authentication. Monitor the account and contact Synchrony, your bank, or your card issuer through official contact details if payment or identity information was involved.

How do I report a Synchrony impersonation scam?

Keep the email, text, call details, sender address, and link, then report the attempt to the FTC at reportfraud.ftc.gov. Contact Synchrony through the official site or the number on your card so the account team can check the real activity.

CallScam

Bank fraud call scam: is that call real?

Got a call from your bank's fraud department saying there's suspicious activity on your account? Here's the verdict and what to do.

EmailScam

Phishing email examples: 7 illustrations, annotated

Seven illustrated phishing emails impersonating familiar organizations, with annotated warning signs, independent checks, and steps after exposure.

Sources

01Fraud protection— Synchrony
02How to avoid phishing— Synchrony
03What To Do if You Were Scammed— Federal Trade Commission
04Official security and fraud guidance— synchrony.com

Pass it on

Help protect someone else

If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. It's safe to forward, and stands on its own as a record for a bank or the police.