CFPB Consumer Complaint Profile
Syncapay, Inc
30 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 30
- Total complaints
- Mid-range
- 0
- Last 12 months
- 63.3%
- Timely response
- Bottom decile
- 16
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Syncapay, Inc has accumulated 30 complaints, placing it #2333 by volume. It posts a 63.3% on-time response rate, the 4th percentile among companies with 100+ complaints.
- #2333
- of 3,843 companies by volume
- 63.3%
- on time (4th pctile)
- Credit card or prepa…
- most-complained product
- 16
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Syncapay, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
63.3% Among the lowest higher than 4% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 4 |
| 2021 | 13 |
| 2022 | 13 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Syncapay, Inc
The CFPB Consumer Complaint Database has logged 30 complaints against Syncapay, Inc overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 16 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Credit card or prepaid card," which sits at the top of the product breakdown. Inside that category, "Trouble using the card" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Syncapay, Inc draw a 63.3% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, the consumer-relief closure rate is 26.7%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Syncapay, Inc have?
The CFPB has logged 30 complaints against Syncapay, Inc to date, of which 0 came in over the last 12 months.
Does Syncapay, Inc respond to complaints on time?
Syncapay, Inc's CFPB timely-response rate is 63.3%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Syncapay, Inc?
The most complained-about product for Syncapay, Inc is "Credit card or prepaid card." You can view the full product breakdown on this page.
What is the most common complaint issue with Syncapay, Inc?
The most common issue reported by consumers about Syncapay, Inc is "Trouble using the card." All complaint issues are listed above with their counts.
How do I file a complaint against Syncapay, Inc?
You can file a complaint against Syncapay, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Syncapay, Inc?
The CFPB has recorded complaints against Syncapay, Inc from 16 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit card or prepaid card
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Syncapay, Inc have?
The CFPB has logged 30 complaints against Syncapay, Inc to date, of which 0 came in over the last 12 months.
Does Syncapay, Inc respond to complaints on time?
Syncapay, Inc's CFPB timely-response rate is 63.3%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Syncapay, Inc?
The most complained-about product for Syncapay, Inc is "Credit card or prepaid card." You can view the full product breakdown on this page.
What is the most common complaint issue with Syncapay, Inc?
The most common issue reported by consumers about Syncapay, Inc is "Trouble using the card." All complaint issues are listed above with their counts.
How do I file a complaint against Syncapay, Inc?
You can file a complaint against Syncapay, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Syncapay, Inc?
The CFPB has recorded complaints against Syncapay, Inc from 16 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.