Dispute a hotel charge on your Synchrony credit card by calling the number on the back of your card or your statement, or by sending a written notice to Synchrony at P.O. Box 965033, Orlando, FL 32896-5033. This follows billing rights outlined in Synchrony account agreements and the U.S. Fair Credit Billing Act (FCBA), which covers credit card billing errors such as incorrect hotel charges, unauthorized amounts, or charges for services not received. These steps apply to U.S. Synchrony credit cardholders and address issuer-side disputes, not hotel merchant refunds.
Gather your statement showing the charge, any receipts or hotel correspondence, and details of the error before contacting Synchrony. During the dispute, the disputed amount is not due for payment per FCBA protections referenced in Synchrony agreements. This process is separate from fraud claims, which use Synchrony's dedicated fraud protection if the charge was unauthorized.
Controlling Rules for Synchrony Hotel Charge Disputes
The Fair Credit Billing Act (FCBA) provides U.S. credit card billing dispute rights for errors, including incorrect charges from hotels. Synchrony credit card account agreements reference these billing rights and outline how to notify them of disputes. For example, Synchrony documentation confirms rights to dispute transactions and specifies contact methods.
These rules govern billing errors like a hotel charge for the wrong amount or for undelivered services. Synchrony agreements also note that if they provide a billing explanation but you still disagree, you can send written notice within 10 days to refuse payment on the disputed amount.
What Does Not Control a Synchrony Hotel Charge Dispute
A hotel's own cancellation or refund policy is separate and must be handled directly with the hotel merchant. Synchrony billing disputes do not override merchant terms. This process also differs from fraud protection, which applies only to unauthorized charges--report those via Synchrony's fraud page.
It does not apply to debit cards, bank account disputes, buy now pay later products, or non-credit Synchrony accounts. Card network rules (Visa, Mastercard) may influence outcomes but are handled through Synchrony's process.
Steps to Dispute a Hotel Charge with Synchrony
| Step | Action | Details |
|---|---|---|
| 1. Gather evidence | Collect statement, receipts, hotel emails | Note charge date, amount, and error description (e.g., "charged for unused room"). |
| 2. Contact Synchrony | Call number on card back or statement | Explain the billing error verbally; request confirmation. |
| 3. Send written notice if needed | Mail to P.O. Box 965033, Orlando, FL 32896-5033 | Include account number, error details, amount; use certified mail for proof. See Synchrony docs. |
| 4. Respond to explanation | If Synchrony sends billing details and you disagree, write within 10 days | Refuse payment on disputed amount per account agreement. |
| 5. Track response | Monitor statements and mail | Disputed amount not due during process. |
Follow these steps promptly. If the charge may be fraudulent, use the fraud process instead.
Evidence and Exceptions to Prepare
Include in your notice: a clear description of the error, the disputed amount and date, your account number, and any prior billing explanation from Synchrony. Keep copies of everything sent.
Exceptions include valid charges, which may not qualify for removal. Fraudulent charges follow a separate investigator process. Limits follow FCBA and Synchrony policy--no late fees or delinquency on the disputed amount during review.
FAQ
Can I dispute a hotel charge if I canceled but was still charged?
Yes, if it qualifies as a billing error under FCBA and Synchrony policy (e.g., services not received). Contact Synchrony with cancellation proof.
What if the hotel charge was fraudulent or unauthorized?
Use Synchrony's fraud protection process, not billing dispute steps.
How do I know if my dispute was received by Synchrony?
Use certified mail with return receipt, or request confirmation after calling.
What happens if Synchrony doesn't resolve my hotel dispute?
Contact the CFPB or FTC for escalation.
Does this apply to Synchrony store cards used at hotels?
Billing rights in the account agreement apply if it's a credit card product.