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.
- 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 →
Response Quality Score
Synchrony Financial scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (39/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
30.8% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
39 / 100 percentile-benchmarked
66.8% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Synchrony Financial sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Synchrony Financial files more complaint volume than 98% of them, and closes complaints with relief more often than 90% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 80,383 · Closed with relief: 30.8%
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