Looking to sue Synchrony? Small claims court is an option, and you may have others…
At FairShake we’ve helped thousands of people ripped off by big companies like Synchrony. And we’ve helped get millions of dollars in settlement offers…
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Tired of hitting dead ends when trying to get a refund from Synchrony? Feeling like there’s nowhere to turn?
You’re not alone. It seems like many people have tried all the Synchrony customer service options, but still feel unheard.
There are different ways to file a complaint against Synchrony, but none have the same power and leverage as taking legal action.
So, if you’re thinking of suing Synchrony, where do you even start? You might expect there to be tons of class action lawsuits against them, but it’s often more complicated than that.
What many people don’t know is that hidden clauses buried deep within their contracts frequently allow companies like Synchrony to push legal claims into the private realm of consumer arbitration, away from conventional courts.
But here’s the thing: your Synchrony contract doesn’t have the power to take away your right to pursue legal action by suing them.
Here’s what you can do…
Learn more about the consumer arbitration process here.
If you’re ready to sue Synchrony in Small Claims Court, read on below:
The first thing you have to verify is whether your claim actually qualifies for small claims court. They don’t accept just any claim. There are limitations. You need to verify to to things:
The type of compensation
Small claims courts are different than most courts. In most traditional courts, for example, you could ask for money and what is called equitable compensation which is anything other than money. You could ask for things like replacement parts on a broken vehicle, a set of collector coins that was taken from you, or something else. But with small claims courts you can usually only ask for what is called monetary compensation, a dollar amount.
So if there are any damages that take the form of equitable damages you have to convert them into a dollar amount.
The amount of compensation
As you are converting, remember that there are limits to the amount of compensation you can ask for when you sue Synchrony Bank in small claims court. Every state is different, with some having limits as low as $2,500 and some upwards of $10,000. You can find your state limits here.
If your claim doesn’t qualify for small claims court because it exceeds these limits or anything else, you still have options. At FairShake we can help you file a claim and guide you through binding arbitration.
Synchrony Bank, Legal Operation
P.O. Box 29110
Shawnee Mission, KS 66201
If you would like examples of demand letters or more information about how to write them, you can find an excellent guide here.
Once you have finished filling out all the right documents it’s time to officially file with the courthouse. Most courts still require that you physically visit the courthouse to hand-deliver the documents.
You will have to pay the small claims court filing fee in order to sue Synchrony Bank. Once that is done the court clerk will review the documents, stamp them, return your copies to you while keeping one for the court, and assign you a hearing date.
The amount of your filing fee should be posted on the court website and if you are a low-income plaintiff you can usually get this waived.
Ready to sue Synchrony in small claims court?
If this sounds too hard and expensive, try consumer arbitration instead…