untrappable

Synchrony Bank scam: is that message or call real?

Editorially reviewed · Last updated August 6, 2026

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

Suspicious purchase — verify your account
S
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
The Email, as received

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

  1. Stop using the message's link or number. Do not reply or send personal, login, or payment information.
  2. Open the account yourself. Use a saved official bookmark or the Synchrony app, then check transactions and alerts there.
  3. 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.
  4. 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.
  5. Report the attempt. Keep the message and sender details, then file at reportfraud.ftc.gov.

How to make sure it never bites you

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.

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Stop the next one at the source

You got this because your details are on lists that get bought, sold, and leaked. You can't unspill that, but you can make it useless to a scammer. Start with the free steps — they do most of the work.

Optional — if you'd rather it was handled for you

If you'd rather have it watched for you, an identity-protection service monitors your accounts, SSN, and the dark web, warns you the moment something new appears, and helps you recover if someone gets through.

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Frequently asked

Does Synchrony ask for personal information by email?
Synchrony says it will never email you with a request for information. Treat an email asking for personal or account details as a phishing warning, and open your account or contact Synchrony through an official route yourself.
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.

Related scams

Sources

A public service

Help protect someone else

Scams spread because people stay quiet about them. If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. Passing it on is the easiest good thing you'll do today. It's safe to forward, and stands on its own as a record for a bank or the police.