800-480-0186

My experience is that this is a valid number of a servicing company used by card issuers.  Sometimes, if there is a question or problem with a new credit card application, other than something major that totally rejects the application, you'll get a request to call this number to 'fix' whatever problem was in the application that prevented immediate approval.  It could be as little as a typo in your application, which is what I had, and after correcting the 'problem data' the card was issued as we spoke.  Note that they've already pulled your credit report when they ask you to call, so they already have your data as it was/is in your credit report. (in my case they pulled TransUnion, fwiw)

If you did NOT apply for credit and get a request to call this number, then you might want to call it anyway as possibly someone applied for credit in your name and you'll want to cut that down right away by telling them you didn't apply.  But I'm guessing that if they don't get your call back they are going to trash the application anyway.

And note that if you *RECEIVE* a call with this number as caller ID, I'm thinking you probably should consider it suspicious.  This is a number you call, NOT a number that calls you.

Hope that helps someone.  Cheers.

I have not received any calls from this number...yet. I got a letter in the mail to call this number order to complete the application process for a retail store card (which I had applied in store about 5 days prior to getting the letter). I opted to call the 877 number printed at the bottom of the receipt the cashier had given me that day instead. The rep asked for the date of application, last 4 digits of my ssn, first and last name. I told her I had the keycode and ref numbers from the receipt and she was fine with those. She said she'd transfer me to the applications rep...This rep asked me to confirm my name and address. Done. I was approved. No ssn needed.

I asked her about the 800-480-0186 number on the letter and she said SYNCHRONY FINANCIAL has several numbers and that may be one of them; she also said they did send a letter out to me recently.
...I had been a victim of identity theft a while back and put alerts on my credit reports. This may have been why I needed to confirm my address and info with them.

I got the exact same letter! Who should we report this to? Do we need to call the Credit Bureaus?

What you do depends on whether or not you have recently applied for the credit card referenced in the letter.  The steps that B.T. took in the post directly above yours are a good guide on how to proceed.

I received a message stating they needed to verify some information for a Lowe’s credit card I was applying for. Told me to call this number and provided me a reference number. I called the number and they asked me to verify my home address and last 4 of my social. Cynthia stated that someone had applied online on the 15th. She put a note and reported it as a fraudulent application and told me to contact the credit reporting bureaus and put a fraud alert on all of them, which I already had done while on the phone with her.

I got a letter from (supposedly) Synchrony Bank, PO BOX 965014, Orlando FL, 32896-0514, Thanking me for applying for Amazon.com store card, and wanting me to call 1-800-480-0186, to complete the credit application.    I did NOT APPLY for this Amazon store card.

I received letter from Synchrony Bank.  Requesting that I contact them for additional information regarding my request for a credit application with Amazon Credit Builder. I called and stated my concern about the letter. I told the rep I didn't sign up for credit with Amazon and certainly don't need any credit builder service. The man then told me I might be a victim of attempted fraud. He  asked me for my full social security number to inform the credit bureaus that I did not apply for a credit card. I said no way. He then asked for my home address and I indicated they sent me the letter he has my address.  When we completed the call, instead of thanking me for calling Synchrony Bank, he thanked me for calling Amazon.

The letter in the mail makes this a federal offense does it not?

I received a letter from "Synchrony Bank" stating that they needed more information in order to process my Lowe's credit application.  Neither my husband nor I had applied, so I called to alert them and to ask if I could get information regarding the place or method that someone used to request the credit.  Someone with an American accent answered and asked to confirm my name and address, then she put me on hold to get the information I requested.  After being on hold for a while, I disconnected, afraid that the connection might be allowing them to access files on my cell phone, which they probably can't, but I was feeling paranoid.  Is this a valid Synchrony number or is it a scam number?

Why don't you go to the official website for Synchrony and use the phone number given there? That way you know you're calling a legitimate number for them

Phillips 66 gas card

I received a mailed letter from Synchrony Bank, PO Box 965002, Orlando FL 32896-5002 saying they required additional information from me to process my "recent credit application with Lowes." I am advised to "call 800-480-0186 in order to quickly complete this requirement."

I haven't recently applied for credit with Lowes and based on all the similar phishing scam mailers others have documented with this exact same letter, I have no intention of calling them, much less provide them with any personal info.

I received a letter that asked me to call Synchrony Bank about a credit card aplication.  I was concerned someone had applied with my name so I made the call.  After giving the guy information ( I have other accounts with Synchrony) I was very uncomfortable.

I received a letter similar to everyone else, but for "Dicks Sporting Goods". I looked up Synchrony Bank's fraud number online and called that instead of what was listed in the letter. The rep asked for the reference number on the letter and was able to close out the fraudulent credit card application. He also asked for a mailing address to send further communication to about the result of their fraud investigation.

my letter was from LOEWS for a credit application i did not apply.No credit reporting agency used.Synchrony bank is the Creditor.
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i got the same leter from above address.

so this has been ongoing for several yearsand why is nothing being done about it.

Received letter saying I'd applied for a credit card from LOWES and needed to call for more information.  Called.  Repeatedly asked for SSN, didn't want any other information, just SSN over and over.  Hung up.

I got an email from Credit Karma that Lowe’s had done a hard credit pull which dropped my score. I started a dispute. 3 days later I got a letter from Lowe’s stating they need more info to complete processing my credit application. When I called 800-480-0196 the rude man with an accent wanted my full social, my birthdate and my address. “Are you comfortable giving me you social?” No. Eventually I hung up on him. The letter Really looks legit. The phone call sounded legit.  But why who applied for credit in my name?

Wife just got a letter stating a credit application with LOWE's was recently filed.  NOT US!  Googled the phone number and saw all these SPAM concerns. with looking at the letter, and it really does look official, there is NO name or signature, just Sincerely Synchrony Bank, Creditor.
Not calling them back as that would qualify as a contact from me allowing them to call the phone number I used.  This would only increase the SPAM calls I already get.  Hate these spam BA5TARDS!

Recieved a letter thanking me for my recent credit application at Lowes which I did not make. Asked me to call 800 480-0186 to provide additional information to complete the application. This is a scam and mail fraud also.