Synchrony Financial
80.4K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Synchrony Financial's 80.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Synchrony Financial
Synchrony Financial's 80,383 logged complaints reach a nationwide footprint - 61 states have at least one filing on record. 42.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2011 through 2026-06-26.
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.
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.
Frequently Asked Questions
How many CFPB complaints does Synchrony Financial have?
80,383, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Synchrony Financial respond to complaints on time?
99.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Synchrony Financial?
"Incorrect information on your report", filed under the "Credit card" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.