James Elias and James Kozik v. Synchrony Bank Settlement

Welcome to the Elias v. Synchrony Bank Settlement Website


If while you were a California resident, you (1) received a telephone call between March 27, 2012 and June 16, 2017 regarding the collection of a debt and spoke with an agent of Synchrony Bank, (2) did not have an account with Synchrony Bank at the time of the call and (3) were not informed at the beginning of the call that the call may be recorded, then you may be entitled to a class action settlement.


A proposed class action settlement has been reached in a lawsuit called James Elias and James Kozik v. Synchrony Bank, Superior Court for the State of California County of Los Angeles, Case No. BC555883. The lawsuit claims that Synchrony Bank violated California laws that prohibit the recording of telephone calls without consent of all parties to the conversation. Synchrony Bank has denied the claims. Nonetheless, Synchrony Bank and the Class Representatives have agreed to settle the dispute to avoid the uncertainty and costs of litigation.

Synchrony Bank has agreed to create a Settlement Fund of $999,999.00. After class action administration fees and costs, service payments to the class representatives, and attorneys’ fees and costs are deducted, the remaining amount will be divided up equally amongst all Class Members who submit timely and valid claim forms.


Your Legal Rights and Options in this Settlement:


Participate in the Settlement 

If you wish to receive a Settlement Payment, read the Notice for information on how to file a claim. If you do not file a Claim Form by October 24, 2017, you will not receive a Settlement Payment.

Exclude Yourself from the Settlement 

If you do not want to participate in the settlement, you must send a letter requesting exclusion postmarked no later than October 24, 2017 or else you will be bound by the settlement. 

Object to the Settlement 

If you wish to object to the settlement, you must follow the directions in the Notice

Participate in the Hearing 

If you submit a timely objection to the settlement, you may also indicate in the objection whether you wish to appear and be heard at the time of the final fairness hearing. 

Do Nothing 

If you do nothing with respect to the Notice, you will not receive any Settlement Payment and you will be bound by the terms of the settlement including the release of claims described below.