CFPB · Heavy filing volume
Synchrony Financial
80.4K CFPB complaints (heavy-volume third) · 61 states · top issue Incorrect information on your report.
Synchrony Financial is in the heavy-volume third with 80.4K CFPB complaints (ranks #9 of 342). Timely 99.5% · relief 30.8% · top product Credit card. Allegations, not findings.
- Volume rank #9 of 342
- Heavy filing volume
- +9660.5% filings 2011 to 2026
CFPB relief outcome brief
CCDB company synchrony-financial
30.8% relief · 99.5% timely · 80.4K filings · Credit card
Same-product relief peers
Nearest relief peer: Goldman Sachs Bank USA (29.5% relief)
Synchrony Financial closes 30.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Synchrony Financial's 80.4K filings include narrative text
42.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Synchrony Financial complaint mix by product
- Credit card 27K 34.4% – 32% relief
- Credit card 16K 21.0% – 35% relief
- Debt collection 13K 16.5% – 21% relief
- Credit reporting 10K 13.3% – 26% relief
- Credit reporting, 9K 12.0% – 38% relief
- Checking or 1K 1.8% – 17% relief
- Bank account 743 1.0% – 32% relief
Heavy-volume mix: how Synchrony Financial's 80.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card | 26.5K |
| Credit card or prepaid card | 16.2K |
| Debt collection | 12.7K |
| Credit reporting or other personal consumer reports | 10.3K |
| Credit reporting, credit repair services, or other personal consumer reports | 9.2K |
| Checking or savings account | 1.4K |
| Bank account or service | 743 |
| Money transfer, virtual currency, or money service | 707 |
| Consumer Loan | 682 |
| Payday loan, title loan, or personal loan | 631 |
| Payday loan, title loan, personal loan, or advance loan | 553 |
| Mortgage | 224 |
| Credit reporting | 183 |
| Vehicle loan or lease | 136 |
| Debt or credit management | 83 |
| Prepaid card | 58 |
| Payday loan | 42 |
| Money transfers | 9 |
| Other financial service | 4 |
| Student loan | 2 |
Nationwide filing states for Synchrony Financial
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 12.2% of this company's filings
Synchrony Financial rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 8.4K
- +9660.5% vs 2011
Top States
| State | Complaints |
|---|---|
| CA | 9.8K |
| FL | 8.4K |
| TX | 7.4K |
| NY | 5.9K |
| GA | 4.0K |
| PA | 3.0K |
| NC | 3.0K |
| NJ | 2.9K |
| IL | 2.6K |
| OH | 2.5K |
| VA | 2.1K |
| MD | 2.0K |
| MI | 1.9K |
| AZ | 1.8K |
| MA | 1.5K |
| TN | 1.5K |
| SC | 1.4K |
| WA | 1.2K |
| CO | 1.1K |
| AL | 1.1K |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 9.7K |
| Problem with a purchase shown on your statement | 7.5K |
| Improper use of your report | 7.5K |
| Fees or interest | 5.9K |
| Attempts to collect debt not owed | 4.1K |
| Getting a credit card | 3.8K |
| Problem when making payments | 3.7K |
| Closing your account | 3.7K |
| Other features, terms, or problems | 3.4K |
| Took or threatened to take negative or legal action | 2.4K |
| Advertising and marketing, including promotional offers | 1.9K |
| Problem with a company's investigation into an existing problem | 1.9K |
| Problem with a credit reporting company's investigation into an existing problem | 1.9K |
| Trouble using your card | 1.7K |
| Communication tactics | 1.7K |
| Billing disputes | 1.6K |
| Written notification about debt | 1.4K |
| False statements or representation | 1.3K |
| Managing an account | 898 |
| Other | 887 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 86 | 100% |
| 2012 | 1.5K | 99.7% |
| 2013 | 1.6K | 99.2% |
| 2014 | 2.7K | 100% |
| 2015 | 2.9K | 100% |
| 2016 | 3.0K | 100% |
| 2017 | 3.9K | 100% |
| 2018 | 4.7K | 100% |
| 2019 | 4.7K | 100% |
| 2020 | 4.8K | 100% |
| 2021 | 5.3K | 100% |
| 2022 | 5.9K | 100% |
| 2023 | 7.1K | 100% |
| 2024 | 10.2K | 100% |
| 2025 | 13.7K | 99.6% |
| 2026 | 8.4K | 96% |
Source: CFPB Consumer Complaint Database
Synchrony Financial in the heavy-volume third
Synchrony Financial's 80,383 logged complaints reach a nationwide footprint - 61 states have at least one filing. 42.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2011 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#9 of 342).
Synchrony Financial answers 99.5% of complaints inside the CFPB's tracked window and closes 66.8% with a written explanation. 30.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Synchrony Financial.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Synchrony Financial: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 80.4K.
- Resurgent Capital Services L.P. Δ 11.4K complaints · 20.4% relief 69.0Kcomplaints
- Block, Inc. Δ 13.4K complaints · 0.2% relief 66.9Kcomplaints
- Encore Capital Group Inc. Δ 17.8K complaints · 36% relief 62.6Kcomplaints
- Portfolio Recovery Associates, LLC Δ 18.9K complaints · 37.8% relief 61.5Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Synchrony Financial (#9 of 342; 99.5% timely; 30.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume