BBB Accredited Business Profile

Synchrony Bank (Formerly GE Capital Retail Bank)

Synchrony Bank (Formerly GE Capital Retail Bank)

(800) 250-5411

Synchrony Bank (Formerly GE Capital Retail Bank)

84 years in business

950 Forrer Blvd
Kettering, OH 45420

BBB File Opened: 04/28/1999
Business Started: 01/01/1932
Type of Entity
Business Management
  • Ms. Michelle Bruno, GE Capital Retail Bank
  • Principal: Ms. Margaret Keane, President & CEO
Contact Information
  • Ms. Michelle Bruno, GE Capital Retail Bank
  • Principal: Ms. Margaret Keane, President & CEO
  • Ms. Christy King
Business Category
  • Credit Cards & Plans
Additional Information
  • GE Capital provides private label and bankcard credit programs to retailers and consumers in the United States and Canada. They do not provide personal loans via the purchase or use of prepaid money cards, nor do they call or email potential customers to request personal information to establish prepaid cards or personal loans. Offers of such loans appear to be an attempt to fraudulently obtain money or access consumers' confidential financial information and is not associated with, authorized or sponsored by GE Capital or GE Capital Retail Bank. If you believe you have been a victim, you should contact local authorities. More information is available at As a reminder, to protect your identity and the security of your financial accounts, never give your personal credit card or other financial information to people who call or email you without verifying who they are. Prepaid Loan Inquiries Your BBB has received many inquiries and complaints from consumers receiving a call from someone pretending to be an employee of GE Capital Retail Bank offering a loan via the use or purchase of prepaid money cards (such as Vanilla Reload Card), placing the funds on it and giving that person the card number in order to receive the loan. The result is that the scammer has the funds on the card and the consumer will not receive the loan. BBB advises that GE Capital Retail Bank and MIO (Vanilla Reload Card) are not offering this type of service, this is a scam. Please be aware that giving out a prepaid card's number gives an unlimited access to the card's funds by the person you gave the number to. BBB advises consumers to be very cautious when applying for loans online. Be certain that you are on a legitimate site; it is best to go directly to a known bank's website. Also, be aware that no legitimate bank will ever ask you to pay any kind of fees via a prepaid card. If in doubt, do not do it. If it sounds too good, do not do it. Always check the business out on
  • In May 2014, GE Capital Retail Bank formally notified your BBB it plans to change its legal name to Synchrony Bank on June 2, 2014.

Products & Services
Synchrony Bank, part of Synchrony Financial (NYSE: SYF), is a federal savings bank and a member of the FDIC. Its offerings include private label and co-branded credit cards, promotional financing and installment lending, loyalty programs, and Optimizer+plus branded FDIC-insured, savings products through Synchrony Bank. Its roots in consumer finance trace back to 1932. The company provides a range of credit products through programs established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. Through its partners' more than 300,000 locations across the United States and Canada, and their websites and mobile applications, the company offers its customers a variety of credit products to finance the purchase of goods and services. More information can be found at, and
Alternate Business Names
  • CareCredit
  • Synchrony Financial
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
Number of Employees: 


BBB Reason for Ratings

BBB rating is based on 13 factors: Get the details about the factors considered.

Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

BBB reports on known significant government actions involving the business's marketplace conduct.

BBB reports on a company that is out of business for three years from the date the company closes its doors or ceases to do business.

BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.

BBB reports on a business’s bankruptcy as long as the business remains in bankruptcy.

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Synchrony Bank (Formerly GE Capital Retail Bank)

Synchrony Bank (Formerly GE Capital Retail Bank)


Customer Review Rating:


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