Synchrony Bank Class Action Lawsuit: What Is Pending, What Paid, What Is Not Real
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Synchrony Bank issues store cards and CareCredit, so millions of people have an account without knowing the bank's name. As of October 2026, the Synchrony Bank class action lawsuit in the news is a 2026 federal suit over prerecorded debt-collection calls. There is no Synchrony settlement open for claims, no claim form and no deadline. The CareCredit interest-rate case was sent to individual arbitration.
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What the Lawsuits Say
Robocall case (2026). In Habel v. Synchrony Bank, a PayPal Credit account holder alleges that she revoked consent to prerecorded calls and retained counsel on January 12, 2026, and that Synchrony then called her cellphone with prerecorded messages more than 100 times. The lawsuit alleges violations of the federal Telephone Consumer Protection Act and California's Rosenthal Fair Debt Collection Practices Act.
CareCredit case (2024). In S.G. v. Synchrony Bank, the complaint alleges that new CareCredit accounts carried a 32.99% annual rate as of May 30, 2024, and up to 39.99% for late payers — above the 16 percent cap New York sets for loans under $250,000. It alleges usury and consumer-protection violations.
Credit reporting case (2026). In Saavedra v. Synchrony Bank, an individual alleges Synchrony kept reporting a debt as unpaid after canceling it on IRS Form 1099-C. Synchrony has not been found liable in any of these cases.
Case Details
Habel v. Synchrony Bank, No. 3:26-cv-03349-AJB-BJW, U.S. District Court for the Southern District of California — a proposed nationwide class. S.G. v. Synchrony Bank, No. 2:24-cv-05788, U.S. District Court for the Eastern District of New York, filed August 19, 2024, before Judge Gary R. Brown. Saavedra v. Synchrony Bank, et al., No. 2:26-cv-06230, U.S. District Court for the Central District of California — an individual Fair Credit Reporting Act suit that also names Experian, Equifax and TransUnion.
Status: Pending Cases, No Settlement Open
Habel: early stage. As of June 2026 reporting, the court had not decided whether it can proceed as a class action.
S.G. (CareCredit): on January 27, 2026, Magistrate Judge Steven I. Locke recommended granting Synchrony's motion to compel arbitration and staying the case. A secondary source reports the case was stayed in early 2026 after the judge compelled individual arbitration. CareCredit's terms say disputes go to individual arbitration and that cardholders cannot join a class action. A class payout from this case is therefore unlikely unless that changes.
The last Synchrony class settlement that paid was Lucas v. Synchrony Bank ($2.6 million, robocalls about accounts that were not the recipient's). Its claim deadline was March 30, 2023, and payments began in 2024. It is closed.
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There's no claim deadline yet. We'll email you if a settlement opens a claim period.
Who Could Be Covered
Habel: the proposed class is consumers nationwide whom Synchrony allegedly called with a prerecorded voice after they had revoked consent. The named plaintiff's account was a PayPal Credit account. Nothing is certified, and you do not sign up anywhere.
CareCredit: the complaint sought CareCredit.com accountholders charged more than 16 percent interest. With arbitration ordered, check your own cardholder agreement before assuming you are in any class.
If you kept records of calls after you told Synchrony to stop — dates, call logs, voicemails, a copy of your written revocation — keep them. That is the evidence a robocall claim turns on.
Is There Any Money Now?
Synchrony Bank Lawsuit Timeline
- 1
April 25, 2023 — Lucas Settlement Approved
Final approval of the $2.6 million robocall settlement (No. 4:21-cv-00070, N.D. Indiana). Claims had closed March 30, 2023; payments began in 2024.
- 2
August 19, 2024 — CareCredit Suit Filed
S.G. v. Synchrony Bank is filed in the Eastern District of New York, alleging a 32.99% rate violates New York usury law.
- 3
January 12, 2026 — Consent Revoked, Per Habel
The Habel complaint says the plaintiff revoked consent to prerecorded calls on this date, and that more than 100 such calls followed.
- 4
January 27, 2026 — Arbitration Recommended
Magistrate Judge Locke recommends compelling individual arbitration in the CareCredit case and staying it, rather than dismissing it.
- 5
June 2026 — Habel Robocall Suit Reported
Habel v. Synchrony Bank (No. 3:26-cv-03349, S.D. Cal.) is reported as a proposed nationwide TCPA class action.
- 6
October 2026 — No Settlement, No Claim Form
The 2026 cases are pending. No Synchrony class settlement is open for claims.
Three Things to Watch For
Synchrony collects debts on store cards, PayPal Credit and CareCredit, which makes its name easy to borrow:
“Claim your Synchrony settlement” sites
The only recent Synchrony class settlement, Lucas, closed March 30, 2023, so any site advertising a current Synchrony claim deserves suspicion. A page asking for your card number or Social Security number to “file” is not a settlement administrator.
Calls offering to settle your debt through the lawsuit
A caller who says the class action can erase your Synchrony or CareCredit balance for an upfront fee is selling something. A pending lawsuit does not change what you owe today.
Old Lucas notices recirculated
Old notices of the 2023 Lucas settlement, with its $35 to $140 estimate, may resurface and look current. Check the date and case number before acting on any notice.
Synchrony Bank Lawsuit — Questions People Actually Ask
Is there a Synchrony Bank class action lawsuit I can join right now?
There is no form to join. The pending Synchrony Bank class action lawsuit, Habel v. Synchrony Bank in the Southern District of California, is a proposed class; if it is certified or settled, class members are notified. As of October 2026 there is no settlement, claim form or deadline.
What happened to the CareCredit interest-rate lawsuit?
On January 27, 2026, a magistrate judge recommended sending it to individual arbitration and staying the case, because CareCredit's terms require individual arbitration. A secondary source reports the stay took effect in early 2026. No class payout has been ordered.
Did Synchrony ever pay a class settlement?
Yes. Lucas v. Synchrony Bank paid $2.6 million over prerecorded calls about accounts that did not belong to the person called since October 16, 2020. The claim deadline was March 30, 2023, and payments began in 2024. It is closed.
Is the Cadence Bank data breach settlement related to Synchrony?
No. The Cadence Bank data breach settlement is a separate $5.25 million deal (Pratt v. Cadence Bank, No. 1:23-cv-12996, part of MOVEit MDL No. 1:23-md-03083) over a MOVEit breach between May 28 and May 31, 2023, affecting nearly 900,000 people. Claims closed June 4, 2026; the final approval hearing was scheduled for July 9, 2026, and we have not confirmed the outcome.
Is there a Credit One Bank settlement or lawsuit too?
Credit One is a different bank. One Credit One Bank lawsuit, Mingura v. Credit One Bank N.A. (No. 4:25-cv-06712, N.D. Cal.), is a Credit One Bank class action lawsuit alleging more than 578 collection calls in four months. For what is claimable, see our Credit One Bank settlement page.
I searched for a Bank of America lawsuit. Is that this case?
No. Bank of America is not a party to any Synchrony case. For the Bank of America lawsuit most people are looking for, see our Bank of America data breach settlement page.
Synchrony keeps calling me after I asked it to stop. What should I do?
Revoke consent in writing and keep a copy. Log every call after that date and save voicemails. That record matters whether or not the Habel class is certified, and it is what a lawyer would ask to see.
Is the Saavedra case a class action?
No. Saavedra v. Synchrony Bank (No. 2:26-cv-06230, C.D. Cal.) is an individual credit-reporting suit. It seeks statutory damages of $1,000 against Synchrony under the Rosenthal Act for one consumer. It pays nothing to anyone else.
Separate from this case: were you injured in the last 2 years?
Class-action payouts are fixed amounts through an administrator. A personal injury claim is a different case — and often worth far more. Free estimate, no obligation.
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