SYNCB/AMAZON on a credit report — often SYNCB/AMAZON PLCC — is an Amazon Store Card or Amazon Prime Store Card account reported by Synchrony Bank, the bank that issues them. PLCC stands for private-label credit card, and the line is easy to misread because it is not the Amazon Visa, which is a Chase card and reports under Chase. If you have an Amazon store card, the entry is probably accurate. If you never opened one, or the balance, dates, or payment history are wrong, the FCRA lets you dispute it with the bureaus and directly with Synchrony, and holds Synchrony responsible for what it reports.
What SYNCB/AMAZON is
The Amazon Store Card, the Amazon Prime Store Card, and their secured versions are Synchrony Bank private-label cards, according to the cardholder agreement Synchrony publishes and independent consumer-finance coverage; they can be used only on Amazon and at Amazon-owned checkouts, which is what “private label” means. Synchrony has issued the program for years and renewed it in 2025, according to its SEC filings and trade-press coverage, so there is no newer issuer behind the tradeline. The Amazon Visa and Prime Visa are a different product from a different bank; a report that shows both a SYNCB/AMAZON line and a Chase line is showing two real accounts, not a duplicate. Synchrony’s other store-card codes are decoded on our Synchrony Bank page.
Why a SYNCB/AMAZON entry can be wrong
Amazon store cards are approved online in moments, which makes them a common first account in identity theft: a thief with your Social Security number opens the card inside an Amazon account you have never seen, and the charged-off balance lands under your name. A card belonging to a family member who shares your name can attach to your file as a mixed credit file. Promotional financing on larger purchases can produce a deferred-interest balance you did not expect. Accounts paid off or closed sometimes keep reporting, and a SYNCB inquiry you never authorized is covered in our post on unauthorized credit inquiries.
How to dispute a SYNCB/AMAZON account
Pull all three bureau reports and note the account fragment, open date, and balance on each. Dispute in writing with every bureau reporting the item — our credit dispute letter guide covers the format — and send a direct dispute to Synchrony. According to the current Amazon Store Card agreement, disputes about information reported to the credit bureaus go to Synchrony Bank, P.O. Box 71737, Philadelphia, PA 19176-1737; confirm that against your own agreement or statement, because Synchrony has changed its dispute boxes before — older Amazon agreements used an Orlando address. Amazon store card customer service is 1-866-634-8379. Under 15 U.S.C. § 1681s-2(a)(8) a furnisher must investigate a dispute sent directly to it, and under § 1681s-2(b) it must investigate the dispute a bureau forwards, within 30 days either way. Keep everything, including a bureau result that comes back “verified” — that letter is the evidence.
When it becomes a legal claim
A furnisher that keeps reporting an account as yours after a written dispute, or verifies a wrong balance without checking its own records, violates the FCRA’s furnisher duties; a bureau that keeps the item after a dispute violates its own duty to reinvestigate. Both are compensable: actual damages for the credit denied or the rate you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. SYNCB/AMAZON sits alongside SYNCB/PPC, SYNCB/CARECREDIT, and SYNCB/LOWES on our Synchrony Bank page and in our creditors and lenders directory — and our credit report dispute lawyer practice covers what happens after the dispute fails.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated September 2026.